Ethical Finance
The Complete Guide to Ethical Banking
Everything you need to know about how ethical banking works, its principles, and why it matters for the modern world.
8 min readRead
AI-Powered · Ethical · Zero Fees
Banking that matches
your values
Save smarter, invest ethically, and get insights in seconds — all from one AI-powered account.
Ethically CertifiedDeposits ProtectedAI-Powered InsightsAR / EN / FR
Why BNQ
Built different
Ethical
Certified
Ethical by Design
Every transaction screened against ethical standards. Profit-sharing savings, screened investments — certified compliant.
What did I spend this week?
AED 2,340 across 12 transactions
Find ethical investments
AI That Works for You
Spending insights, investment discovery, budget planning — through natural conversation in AR, EN, or FR.
Invest With Confidence
Screened equities, bonds, fractional real estate — guided by AI, ethically certified.
AccountFree
CardAED 0
TransfersAED 0
Savings4.2% p.a.
Zero Hidden Fees
See exactly what you pay. Real profit-sharing, not interest-based returns.
B
BNQ AI
Online
ARENFR
How much did I spend on dining this month?
You spent AED 1,240 on dining — 23% above your monthly target. Your top 3 restaurants were Zuma (AED 480), Salt (AED 320), and Orfali Bros (AED 190).
Ask anything about your finances...
AI Companion
Intelligence that
serves your values
Ask about your spending, find compliant investments, or plan your savings — through natural conversation. Available 24/7.
Private by design
Your data is encrypted and never shared with third parties.
Human handoff anytime
Request a person whenever you need one. Full context transferred.
Arabic, English, French
Speak naturally in your language — including voice input.
Products
Everything you need
Available balance
AED 24,832.40
C
Carrefour
Today
-AED 234.50
S
Salary deposit
Yesterday
+AED 12,500
U
Uber
Yesterday
-AED 32.00
N
Netflix
Mar 22
-AED 44.99
D
DEWA
Mar 21
-AED 380.00
Savings balance
AED 45,200
+4.2% p.a.
Profit-sharing
JanAprJulOctDec
Portfolio value
AED 68,400
Bond Fund A
35%+6.8%
Screened Equities
30%+12.4%
Real Estate
20%+8.1%
Gold
15%+3.2%
Simple by design
Open your account in 3 minutes
Step 01
Download & Register
Choose your language, verify with Emirates ID or passport. Done in under three minutes.
Available on iOS and Android. KYC powered by our banking partner — secure, fast, no branch visit needed.
01
BNQ
Welcome
AR
EN
FR
Get Started
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Trust & Governance
Certified. Regulated. Transparent.
Ethical Governance
Independent governance board with certified experts reviewing every product and transaction.
Our governance board →Regulatory Compliance
Licensed and regulated. Your deposits are protected under applicable deposit guarantee schemes.
Privacy & Security
Bank-grade encryption, biometric authentication, and strict data isolation. Your data is never shared with third parties.
Why switch
BNQ vs conventional banking
Feature
Conventional
BNQ
Interest
Interest-based returns
Profit-sharing
Investment screening
No ethical screening
Independently certified
AI insights
Basic notifications
Conversational AI companion
Savings model
Fixed interest rate
Real profit participation
Fee transparency
Hidden charges common
All fees disclosed upfront
Ethical certification
Not applicable
Independent board certified
Language support
Mostly English
Arabic, English, French
Open your account
Start with the essentials
Everything you need to start banking ethically — with a virtual Visa card, AI-powered insights, and ethically certified products. Free, forever.
Free
- Everyday account
- Virtual Visa card
- AI companion
- Mobile banking
Essential
BNQ
Essential
Cardholder
4930 •••• •••• 0964
Exp
12 / 29
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Learn
Resources
AI & Technology
How AI Is Transforming Personal Finance
From spending insights to investment discovery, AI is changing how we manage money — responsibly.
5 min readRead
Education
Understanding Profit-Sharing vs Interest
Why BNQ uses profit-sharing and how it compares to conventional savings accounts.
4 min readRead
Questions
Frequently asked
Get started
Banking, aligned with
your principles
Join the waitlist for early access — AI-powered, ethically certified, beautifully simple banking.