Profit Sharing
Your money works. You share the returns.
Instead of fixed interest rates, BNQ uses profit-sharing (Mudarabah) — a model where your returns reflect real economic activity.
The Flow
From savings to returns
See how your money flows through ethical investments and back to you.
The Numbers
Clear, transparent returns
No hidden fees. No interest. Just honest profit-sharing.
0%
Projected annual return
0%
Interest (riba-free)
0%
Shariah-certified
Comparison
Profit-sharing vs. conventional interest
See how the two models compare across what matters most.
Traditional Interest
BNQ Profit-Sharing
Basis of returns
Fixed rate on principal
Share of actual profits
Risk distribution
Borrower bears all risk
Risk shared fairly
Ethical screening
No screening applied
All investments screened
Transparency
Rate set by bank alone
Ratio agreed upfront
Shariah certification
Not applicable
Board certified (AAOIFI)
Get started
Banking, aligned with
your principles
Join the waitlist for early access — AI-powered, Shariah-certified, beautifully simple banking.