Sarwa: Invest, Trade and Save pricing, UAE funding, custody and ADGM regulation

Sarwa combines three materially different routes: Invest is a managed portfolio service, Trade is a customer-directed securities and options account, and Save is a managed cash or fixed-income-style product under its published structure. The pricing, custodian and withdrawal clock differ among them. The most important starting choice is therefore the service and legal product, not the convenience of holding all three in one app.[1][15][7]

Sarwa’s referral program can pay up to the stated award after the invited person funds at least $500 within 90 days and other conditions are met. Sarwa states that payment can follow within 30 business days. A referral amount is therefore contingent and should not be included in available cash or return calculations before it is actually credited.[8]

View full spreads & trading costs

Sarwa Invest and Save are managed services, while Trade gives the customer order authority. That distinction affects fees, execution and responsibility for positions. Halal or socially responsible labels describe portfolio construction, not guaranteed compliance with every customer’s personal interpretation or immunity from market loss. Trade crypto also should not be described as the same custody or compensation structure as a listed security.[7][15][12]

Sarwa’s $7 Invest minimum is not an inactivity fee; it is the minimum monthly charge for the managed service after the stated initial relief. Trade has a separate per-order model, and funding can cost more than the trade itself for a small card deposit. Comparing Sarwa therefore requires the service, funding method, balance tier and transaction size rather than one headline percentage.[2][3][6]

Sarwa Trade offers familiar order types but does not guarantee execution at a displayed quote. The public pages do not establish a retail API or a guaranteed manual emergency dealing desk. Invest and Save are managed routes, so an app disconnection does not transfer individual trade responsibility to the customer in the same way as an open Trade position, which the customer must continue to monitor.[9][11][7]

Sarwa’s displayed account value can include unsettled Trade sale proceeds or managed holdings that must first be liquidated. Instant Funding can make trading credit available sooner but does not erase the funding fee or withdrawal conditions. A referral award also follows its own 90-day qualification and payment process rather than ordinary settlement.[5][7][8]

Sarwa’s protection analysis is product-specific. The ADGM firm’s regulation is one layer; Invest/Save custody and Trade execution/custody providers are additional layers. A U.S. securities protection arrangement cannot automatically be applied to crypto or to every managed product, and no public private-insurance certificate was used to claim an aggregate amount.[14][15][13]

Sarwa’s 2024 consolidation is a material entity-history fact: affected DIFC customers moved to the ADGM firm while the provider described continuity of holdings and service. The current profile therefore uses the ADGM entity and official FSRA record, while retaining the migration consequences. Third-party custodians and brokers remain distinct from the Sarwa brand.[16][14][15]

Headquarters

Abu Dhabi Global Market, Abu Dhabi, United Arab Emirates