THE FULL PICTURE
Everything your money should be.
Sharia-aligned by design, honest about every charge, and built to make your money do good. Here is how, feature by feature.
Built on principle
The values 99 is structurally built around - not features bolted on.
Know exactly where your money rests.
99 is structurally Sharia-aligned by design, not a setting you switch on. Every holding is screened away from interest, gambling, alcohol and arms, and clearly labelled - so you always know exactly where your money rests.
- ✓Screened away from interest, gambling, alcohol & arms
- ✓Every holding labelled - nothing hidden
- ✓Aligned by design, not an opt-in setting
Your Zakat, untouched.
Work out what you owe with the in-app calculator, then give in a tap. 100% reaches the cause - we take nothing, and every penny is accounted for.
- ✓Built-in Zakat calculator
- ✓0% platform fee - 100% reaches the cause
- ✓From calculation to giving, in one place
Give, and watch it land.
Donations are released against real project milestones and independently audited, so you can follow your money from your account all the way to completion.
- ✓Released against project milestones
- ✓Independently audited
- ✓Tracked to completion
Honest by design
No interest, no hidden charges, no markups buried in the rate.
You pay for usage, not for the account.
No monthly fee, no minimum balance, no interest - in or out. Every charge is shown in full before you confirm, with nothing hidden inside the exchange rate.
- ✓Zero account fees, zero interest
- ✓Every charge shown before you confirm
- ✓No hidden FX markups
Spend beyond GBP.
Hold and spend in the major currencies with GBP as your base, and see the rate before you switch. The roster keeps growing as we expand - a commitment to multi-currency, not a fixed list.
- ✓Major currencies, GBP base
- ✓See the rate before you switch
- ✓Roster grows as we expand
Cards you control.
Physical and virtual. Freeze and unfreeze in a tap, reveal your details when you need them, and move money between your cards instantly - with no fees to move your own balance.
- ✓Freeze / unfreeze instantly
- ✓Reveal & copy details securely
- ✓Move your own money, fee-free
Smarter money
The everyday tools that make 99 a pleasure to actually use.
Earn as you spend.
Earn cashback at partner merchants, paid straight back to your balance - rewarding everyday spending, without points to chase or gimmicks to decode.
- ✓Cashback at partner merchants
- ✓Paid straight back to your balance
- ✓No points, no catches
Ask your money anything.
A built-in assistant that understands your spending, helps you plan, and keeps you on track - in plain language, whenever you need it.
- ✓Understands your spending
- ✓Helps you plan & stay on track
- ✓Plain-language answers, on demand
THE 99 PRINCIPLE
Doing right by your money and doing right by the world aren't a trade-off here.
Most banks profit from your money through interest, hidden charges, and places you would never choose to fund. 99 is built the other way around - aligned with your values, honest about every charge, and structurally free of interest.Money with a conscience.
Be first in line when 99 launches. No fees to join, no catch - just a better way to bank.