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Launching in the UAE · Early access spots are limited
Save Money Instantly Every Time You Pay
You don't have a saving problem. You have an automation problem. ZARAH rounds up every card payment and quietly builds your savings across every goal — from every account.
You just live normally.
You just live normally.
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See every UAE bank account in one place — finally
Every card tap saves a little. It adds up faster than you think
Multiple goals growing at the same time, automatically
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Built For UAE Users
Who Live Fast And Want Control
Who Live Fast And Want Control
You're already spending. Your card is already tapping. The only thing missing is a system that turns every transaction into progress, without asking you to think about it.
Connect via Open Finance
Link every UAE bank account in seconds. No login sharing. No screen-scraping. You grant access — and you can pull it back anytime.
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Funds held with
a sponsor bank wallet
a sponsor bank wallet
Your saved money sits inside a licensed UAE bank — not with us. ZARAH runs the experience. A regulated bank holds your funds.
Security-first architecture
Bank-grade encryption. Minimal permissions. You're always in control.
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You don't have
a money problem.
You have a system problem
You tell yourself you'll start saving next month
Every transaction already saves something.
Next month started now.
Next month started now.
You have three bank accounts and no idea where you actually stand
One dashboard. Every UAE account.
Your real number, right there.
Your real number, right there.
You downloaded four budget apps. You deleted all four.
ZARAH doesn't track what you did wrong.
It just quietly fixes it going forward.
It just quietly fixes it going forward.
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What ZARAH Helps You Achieve
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I'm saving for so many things at once
Vacation. Emergency fund. New phone. Pick your goals, set your round-up preference, and ZARAH automatically splits every save across all of them — simultaneously. No manual transfers. No mental overhead.
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Which account actually has money right now?
You've got accounts across two or three UAE banks and you're switching between apps just to check your balance. Connect them all to ZARAH. One view. Real numbers. No more guessing before you pay.
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Wait — I already saved AED 1,245 this month?
That's what round-up saving feels like. Every card payment rounds up to the nearest amount you choose. The difference goes straight into your goals. Small amounts. Every tap. Adds up without you noticing.
How it Works
Three steps. Then you just spend normally.
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Step 1
Link your accounts ~ four minutes
Connect your UAE bank accounts through Open Banking. We never see your login credentials — you authorise directly through your bank and can revoke access whenever you want.
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Step 2
Tell ZARAH what you're saving for
A trip. A car. Anything. Set your goals and choose how aggressively you want to round up. Ready to receive every round-up automatically.
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Step 3
Spend normally. Save automatically.
Every card tap rounds up. The difference hits your goals instantly — split across all of them. Check your progress when you feel like it. Adjust anytime. Or just forget about it and let it build.
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Step 1
Connect your accounts securely
Link your bank accounts using Open Banking through Lean. You stay in control of permissions at all times
Step 2
Create a goal
Choose what you're saving for and set your preferences. ZARAH prepares your goal wallet
with a sponsor bank
Step 3
Let it run
ZARAH automatically builds progress using small, consistent saves — while you track analytics and adjust anytime
You can pause, change settings, or disconnect anytime
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Security
is not a feature. It's the product
is not a feature. It's the product
Bank-grade data protection
End-to-end encryption, in transit and at rest. We only request what we actually need — and you can cut our access anytime, directly from your bank.
Open Finance connection
Account connections run through Open Finance infrastructure — the same regulated standard used by licensed financial institutions. Your bank password never touches our systems. Not once.
Funds held with a sponsor bank wallet
Your savings sit inside a licensed UAE bank — not on ZARAH's balance sheet. We provide the interface. A regulated institution holds every dirham.
Compliance-first approach
We're completing the full UAE regulatory process before a single user goes live. We won't launch until it's done properly. No shortcuts.
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Stop trying harder. Start saving by default
Most people don't fail at saving because they lack willpower. They fail because every save requires a conscious decision — and real life always wins that fight. ZARAH removes the decision entirely. You spend. It saves. Every time. No willpower required.
Get App
Early members get priority access and exclusive launch perks.
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FAQ
What is Zarah?
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Zarah is a UAE-based app that helps you save and invest automatically — without changing your habits. We connect to your bank through open banking, round up your everyday spending, and turn the "spare change" into capital.
Who is Zarah for?
UAE residents who want to start saving but feel it's "too early" or "I don't have enough yet." Zarah is designed so that your first thousand dirhams appears on its own — effortlessly.
Is Zarah live yet?
We're currently in closed access and building the waitlist. Drop your email on the site to get early access and priority onboarding.
What are round-ups?
You spend 23.40 AED on coffee — Zarah rounds it up to 30 and sets aside 6.60 AED into your savings pool. Over a month, these small amounts typically add up to 1000 AED depending on how often you use your card.
Do I choose where my savings go?
Yes. You set as many goals as you want (emergency fund, holiday, first home, school).
Can I customize the round-up rules?
Yes. You can set a stet (×1, ×2, ×5) or Smart step (out AI will help to chose steps for each transaction to have it the most efficient), a monthly cap, or pause round-ups for specific categories (e.g., internal transfers between your own accounts).
Who regulates Zarah?
Zarah operates under Zarah Holding Ltd, registered in ADGM (Abu Dhabi Global Market).
Can Zarah see my banking data or move my money?
No. We use open banking in AIS mode (Account Information Service) — meaning we can read transaction information, but we cannot initiate payments or withdrawals from your bank account. Every transfer into Zarah is confirmed by you separately.
How is my data protected?
All data is transmitted through encrypted channels, and we only store what's strictly needed to operate the service. We never sell your data to third parties and never use it for advertising.
What happens to my money if Zarah shuts down?
Client funds are held in segregated accounts with a licensed banking partner and are legally separated from company assets. Your savings are not part of Zarah's balance sheet.
Do I need a special account or card?
Not at launch. You just connect your existing bank via open banking. Later, we'll offer a Zarah card for expanded use cases.
Can I connect multiple accounts or banks?
Yes. Zarah supports multi-account setup: round-ups can be calculated across all connected cards, and savings are pooled in one place.
Can I withdraw my money anytime?
Yes. Basic savings are transferred back to your bank within 1–3 business days.
Is there a minimum to start?
No minimum to start saving. Some investment products may have an entry threshold, which is always shown on the product card.
Are there any hidden fees?
No. All fees are published in the Pricing section. We don't charge for connecting your bank, for top-ups, or for withdrawals on the base plan.
Who can sign up?
UAE residents aged 18+ with a valid Emirates ID and a bank account at one of the supported banks.
How long does onboarding take?
Usually 3–5 minutes: sign-up, KYC, bank connection.
2026 © Zarah