Guide
26 articles tagged “Guide”
Is Buy Now Pay Later Halal in the UAE? Tabby, Tamara and the Fiqh (2026)
Tabby and Tamara dominate UAE checkouts, and both market Shariah compliance. What scholars actually say about split payments, late fees and where the risk hides.
Is Crypto Halal? A UAE Investor's Guide to the Scholarly Debate (2026)
The UAE regulates crypto more thoroughly than almost anywhere, but regulation is not fiqh. Where scholars agree, where they split, and a framework for deciding.
Halal Personal Financing in the UAE (2026): How It Works and When to Use It
UAE Islamic banks offer personal finance through goods Murabaha and Tawarruq. How the structures work, what they cost, and the questions to ask before signing.
Islamic Credit Cards in the UAE (2026): How They Work and What to Watch
Every major UAE Islamic bank issues cards without charging interest. The structures behind them, the fees that replace interest, and how to use one without regret.
Sending Money Home from the UAE the Halal Way (2026)
The UAE is one of the world's largest remittance markets. What makes a transfer halal, how exchange houses, banks and apps compare, and the traps that eat your money.
Islamic Banking in the UAE Without a Salary Transfer: The 2026 Options
Salary transfer is the UAE banking system's favorite handcuff. Here is every Islamic account, deposit and financing product we verified that works without one, from Ruya's zero-minimum accounts to SIB's published-rate mortgage.
Is Insurance Haram? The UAE Answer, Without the Hand-Waving
The short answer is that most scholars object to conventional insurance, the UAE built a regulated alternative, and the law sometimes obliges you to hold cover anyway. Here is how to navigate all three facts honestly.
Bancatakaful in the UAE: What You Are Actually Buying at the Bank Counter
A takaful plan sold by your Islamic bank is underwritten by someone else entirely. Here is how the distribution chain works, why the key facts statement is your best friend, and the questions that cut through the pitch.
Death Benefits in the UAE: Takaful, Gratuity and the Account Freeze Nobody Plans For
When a UAE resident dies, bank accounts freeze, including joint ones, until succession is certified. What actually reaches your family, and how fast, depends on decisions you make now: beneficiaries, takaful, and where the gratuity sits.
How Inheritance Actually Works for Muslims in the UAE: Faraid Without the Fog
Your estate will be distributed by fixed shares you cannot rewrite, through courts that follow rules older than any registry. What you can control is one third, the guardians, the debts and the paperwork. Here is the whole map.
The Expat's Guide to Halal Home Finance in the UAE (2026)
You will put down more, prove more income and lose the schemes, but the UAE remains one of the few places an expatriate Muslim can finance a home without touching riba. The complete playbook, gate by gate.
Your Joint Account Will Freeze Too: The UAE Death Freeze, and How to Plan Around It
When a UAE resident dies, banks freeze their accounts, joint accounts included, until succession is certified. No will prevents it. Here is the mechanism, the months it can cost, and the liquidity design that makes it survivable.
Guardianship in the UAE: The Estate Planning Decision That Outranks the Money
Who raises your children if you die is a court decision, and the only question is whether your voice is in the file. How guardianship nomination works on the Muslim and civil tracks, and the mistakes that leave it to chance.
The UAE Expat Estate Planning Checklist: Ten Items, Two Tracks, No Excuses
Most expat estates in the UAE are unplanned, and the defaults are nobody's intentions: fixed shares or a statutory split, frozen accounts, unnominated guardians. The complete checklist, priced and sequenced.
How to Calculate Zakat in the UAE: Nisab, Hawl and the 2.5% That Follows
Three concepts decide everything: whether you cross the threshold, whether a lunar year has passed, and what counts as zakatable. A working method for UAE residents, with the numbers that matter in 2026.
Zakat on Gold in the UAE: The Jewellery Question, Settled Enough to Act On
Gold is the asset UAE households actually hold, and the one where zakat confusion runs deepest. The nisab weights, the jewellery debate, how to value a mixed collection, and the calculation with the metal at record prices.
Zakat on Savings in the UAE: Accounts, Profit Rates and National Bonds, Worked Through
Your savings account balance is the easiest zakat calculation you will do, until you ask about the expected profit, the prize draws and the sukuk. How zakat applies across the UAE halal savings shelf.
Zakat on Stocks and Funds: The Intention Test That Decides Your Calculation
The same share can owe zakat two different ways depending on why you hold it. How traders and investors calculate differently, what to do with ETFs and robo portfolios, and the honest limits of every shortcut.
Zakat on Business Assets: What Your Company Owes When Nobody Is Collecting
Inventory, receivables and the business bank account are zakatable; the warehouse, vans and machinery are not. How UAE business owners separate trading assets from tools, and why the calculation is easier than the discipline.
Where to Pay Zakat in the UAE: Channels, Eligibility and the App That Replaced the App
The Zakat Fund app is discontinued, the Awqaf authority runs the system, and Abu Dhabi surfaces services through TAMM. Your real options for discharging zakat in the UAE, and how to vet each one.
Used Car, Halal Finance: How the UAE Market Prices Second-Hand (2026)
The premium for buying used is printed: 3.19% flat against 2.49% new at Emirates Islamic. Add DIB's 10-year age cap, RAK's AED 10,000 minimum ticket and Ajman's AED 750,000 used ceiling, and the second-hand rulebook is fuller than most buyers think.
Getting Approved for Islamic Car Finance in the UAE: DBR, AECB and the Salary Floor Map (2026)
Approval is arithmetic: your salary against the floor, your obligations against the 50% debt burden ceiling, your history against the AECB file. The full underwriting map, plus what to fix before you apply.
The Wasiyya: The One Third of Your Estate You Actually Control
Faraid fixes who inherits what. The wasiyya is the exception built into the system: up to a third of your estate, directed to whoever the fixed shares miss. Registrable at the court notary, and mostly unused.
Two Tracks, One Family: Inheritance for Mixed-Faith and Convert Households in the UAE
UAE succession law runs on two parallel tracks, and mixed-faith families can have members on each. Which rules apply to whom, why converts face a permanent registry exclusion, and how to plan a household that straddles the line.
Zakat in the UAE (2026): No Levy, One Authority, and a System Most Residents Never Use
The UAE collects no compulsory zakat. What it runs instead is a federal authority with scholar-reviewed calculators, fatwa services and distribution channels, recently consolidated under Awqaf. How the system works and how to use it.
The Annual Halal Money Review: One Afternoon That Keeps Your UAE Finances Clean
Takaful renewals, zakat dates, beneficiary designations and estate documents all decay quietly on different calendars. Merge them into one annual review and the whole system maintains itself. Here is the agenda.