Shariah Governance
Certified. Transparent. Independent.
Our independent Shariah supervisory board ensures every product and transaction meets AAOIFI standards.
Supervisory Board
Our Scholars
An independent board of internationally recognised Shariah scholars oversees every product we offer.
Dr. Ahmad Al-Rashid
Fintech & Digital BankingAAOIFI-certified scholar, 20+ years in Islamic finance. Former advisor to the Central Bank of UAE.
“Innovation and faith are not at odds — they are partners in building a just financial system.”
Dr. Fatima Al-Sayed
Shariah ScreeningPhD in Islamic Banking from INCEIF. Published researcher on contemporary Shariah screening methodologies.
“Rigorous scholarship ensures that modern products remain true to timeless principles.”
Sheikh Omar Mahmoud
Compliance & AuditSenior Shariah auditor with expertise in fintech compliance and digital banking instruments.
“Transparency is the foundation of trust between a bank and its community.”
Process
Our Methodology
A rigorous, multi-stage review process ensures every product meets the highest Shariah standards.
Product Review
Every financial product is submitted to the board for review before launch. Our scholars examine the contract structure, risk-sharing mechanisms, and asset-backing requirements.
Standards Compliance
Products are evaluated against AAOIFI standards and applicable regulatory requirements. We maintain dual compliance with both Shariah and conventional regulations.
Ongoing Monitoring
Transactions are continuously screened to ensure ongoing compliance. Our AI-assisted monitoring flags anomalies for human review in real time.
Transparent Reporting
Shariah certificates are published for every product. Methodology documents are available on request. We believe in radical transparency.
Documentation
Certificates
Each BNQ product carries a downloadable Shariah certificate issued by our supervisory board.
Everyday Account Certificate
Confirms the Shariah compliance of our daily transaction account, including fee structures and fund handling.
Available at launchSavings Account Certificate
Certifies the Mudarabah-based profit-sharing model used for all BNQ savings products.
Available at launchInvestment Products Certificate
Validates the screening methodology and asset selection criteria for BNQ investment offerings.
Available at launchGet started
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