Open by default,ethicalby design.

Zero interest. Transparent fees. Zakat tools, ethical screening, and multi-currency in one account.

Sharia-aligned · Zero interest · Open to everyone

Now onboardingFounding members

99 App home screen showing balance, transactions, and quick actions

THE 99 DIFFERENCE

Everything aligned. Nothing hidden.

The features that set 99 App apart - and the principles behind them.

Core principle

Know exactly where your money rests.

Your funds never touch gambling, alcohol, arms, or interest - every holding is screened and labelled.

Sharia-aligned

Ethically screened

0% fee

Zakat

Your Zakat, untouched.

Work out what you owe, then give in a tap. We take nothing.

You give£100

They receive£100

100% reaches the cause - we take nothing

Project oversight

Give, and watch it land.

Independently audited and released against milestones - tracked to completion.

✓

Site survey£ released

✓

Build phase 1£ released

✓

Build phase 2£ released

✓

Completion auditFinal sign-off

Transparent

You pay for usage, not for the account.

Every charge is shown before you confirm. No hidden fees, no silent markups.

You send£250.00

Hidden chargesNone

Total to pay£250.00

✓What you see is what you pay

Confirm£250.00

Gold

Cashback

Earn as you spend.

Cashback at partner merchants, paid straight back to your balance.

+£0.00

paid straight back to your balance

Multi-currency

Spend beyond GBP.

Hold multiple currencies and see the rate before you switch.

From

↓

€

See the rate before you switch

Cards

Cards you control.

Physical and virtual. Tap to pay and set your own limits, in seconds.

AI assistant

Ask your money anything.

A built-in assistant for spending, saving and staying on track.

How much did I spend on groceries this week?

£82.40 - down 12% on last week.

Explore all features →

An account with
your name on it.

Free, Forever

Basic

UK account with sort code & account number
1 physical card + 1 free virtual card
Faster Payments, Direct Debits & Standing Orders
Up to 10 savings pots
6-step Zakat calculator & charity giving
Sharia & ethical product screening

Getting Started

Three steps.
Nothing more.

Sign Up & Verify

Create your account in minutes. From this moment, your money is ringfenced and kept away from harm.

Hold, Spend & Send

Manage your money in GBP and beyond. Every transaction stays aligned with your values.

Stay in Control

Freeze cards in a tap, automate your Zakat, track spending, and know exactly where your money rests.

Trust & Transparency

Ethical finance.
No compromise.

Your capital will never fund gambling, arms, alcohol, or exploitation. We sacrifice margins, not principles.

Your money is protected.

Funds are ringfenced with our safeguarding partners. Never lent out, never invested in harmful sectors.

Zero interest. Ever.

We don't pay interest and we'll never charge it. Your money stays clean, always.

Full transparency.

All fees shown before you confirm. No hidden charges, no silent markups. We publish where your funds rest.

Built-in giving tools.

6-step Zakat calculator, Sadaqah tracking, vetted charity partners, and community projects.

Weekly Reads

From our desk.

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AI Concierge

Got questions?
Ask our AI.

Instant answers about 99 App; plans, fees, ethical promise, and more. Powered by AI, grounded in our values.

Concierge

AI-powered · Ask anything

Keep your money
away from harm.

A UK money account where your capital is ringfenced, never funds harmful sectors, and never touches interest.