# Kestrl – Ethical Finance — Money Without Compromise > Ethical finance app for spending, saving, and growing wealth aligned with personal values. (iPhone/iPad app by Kestrl LTD.) - Source: https://appshunter.io/ios/app/kestrl-ethical-finance/id6756298213 (this page in markdown: same URL + `.md`) - Developer: [Kestrl LTD](https://appshunter.io/developer/1512592352) - Category: Finance, Utilities - Price: Free - Age rating: 4+ - Requires: iOS 15.6 · 115 MB - Languages: American English - Released: 2026-01-20 - Data updated: 2026-09-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/kestrl-ethical-finance/id6756298213/reviews.md ## What is Kestrl? YOUR MONEY, YOUR VALUES We’re Kestrl – the app that helps you to spend, save and grow your wealth without compromising on your beliefs. Join the waitlist today and become an ‘Alif’ Early adopter. In exchange for your feed back you’ll get exclusive perks and early access to features FOR LIFE! Download and begin your ethical journey today. Winners of ADIB’s Ethical Finance Awards and Money 20/20 Fintech for Good Award 2025. This description is relevant for UK customers only. From funding wars to contributing to global pollution, Banks have used our money for unethical activities for years. We’re building an alternative. EARN AN INTEREST-FREE RETURN Store money in a Kestrl current account and receive a competitive, fully interest-free and ethical (Shariah certified) return on any money you have deposited. Withdraw any time and gain full transparency on where your money is at all times. AVOID UNETHICAL COMPANIES We’ll flag if any payments have been made to companies you don’t agree with and suggest alternative places to shop at. Receive a monthly score of how much of your money has been successfully divested away from harmful activities. Connect other bank accounts and check your spending across your portfolio. SUPERCHARGE YOUR GOALS WITH SAVINGS POTS Create sub-accounts for your specific goals and we’ll put money towards them as often as you want. From saving for a holiday to Hajj, we’ll round up spare change or do automatic monthly/weekly deposits. Earn an interest-free return on any money stored in these pots. MANAGE YOUR MONEY Connect all your bank accounts to Kestrl via open banking and manage your finances in one place, from tracking subscriptions, building a budget and avoiding debts. Get instant notifications to keep track of every payment. VALUES-ALIGNED FEATURES From purifying interest across your bank accounts, to calculating zakat or screening companies for investments, we’ve got your back with our suite of faith-based and ethical screening services. BEST IN CLASS SECURITY Freeze your card in seconds. Our algorithms will detect any suspicious transactions or activities and freeze your card instantly unless we can confirm it’s really you. AI Identity checks: If your account is accessed from an unexpected location, we’ll act immediately. Biometric Security: Access to your account is linked to the biometric sign-in on your device. UK Residents only, Ts&Cs apply. This card is issued by AF Payments Limited pursuant to a licence by Mastercard International. AF Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900440) for the issuing of electronic money and payment instruments. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International. Kestrl registered Address: Salisbury House, 29 Finsbury Circus, London, EC2M 5SQ. ## Key features - Interest-free returns on deposits - Flagging of unethical company payments - Savings pots for specific goals - Connects all bank accounts - Budgeting and debt avoidance tools - Zakat calculation and investment screening - AI-powered transaction security ## Recent user reviews (10 of 25) All indexed reviews: https://appshunter.io/ios/app/kestrl-ethical-finance/id6756298213/reviews.md ### 5/5 — Amazing *2026-08-05, version 2.5.3* I’ve never ever wrote review before but Kestrl yes at the start was slightly challenging with the verification part however the team were very supportive help with every step I recently signed up it’s so easy to use and navigate where things are and best Islamic bank to use can’t wait for saving pots and cards are allowed to be added to Apple Pay etc will be useful ### 5/5 — Really good *2026-06-22, version 2.5.0* I really like the look of the app. Easy to navigate, easy to use ### 5/5 — Excellent app and user interface… *2026-05-13, version 2.4.0* Can’t wait for more features to come! Alhamdulillah such a refreshing bank! ### 5/5 — Greatest appreciation! *2026-05-10, version 2.4.0* Much needed for the Ummah, and anyone interested in ethical finance. ### 5/5 — Love the concept *2026-05-10, version 2.4.0* The app is new but impressive. The features it is planning to roll out will make it an ideal banking app for any ethically minded person. Congratulations to team Kestrl! ### 5/5 — No issues *2026-05-10, version 2.4.0* No issues with the app. Support team is also quick to respond if any problems occur. ### 5/5 — Ethical savings, with REWARDS and great SERVICE 😊😊😊 *2026-05-10, version 2.4.0* Kestrl has bought ethical banking into the banking world. Has a great products on the horizon, very easy to use APP. Has great customer service which is found via the functions on the APP. Order your card, earn rewards and spend your money in an ethical way. ### 5/5 — 10/10 *2026-05-10, version 2.4.0* Solving a problem thag has been failed to be solved for decades One of the few tools designed for the every day Muslim Easy to use, great tech and an overall fantastic product ### 5/5 — Precisely What Banking Needs. *2026-05-10, version 2.4.0* Alhumdulillah, I’ve been wanting a banking experience that is ethical and Islamically aligned, and Kestrl is working to actually fulfill that need. InshAllah. The experience has been really good so far. The Current Account is functional and features are improving. Seems to be what the banking sector has been missing. ### 5/5 — Amazing *2026-05-10, version 2.4.0* Amazing initiative, future plans / growth look great, keep it up!!! ## Frequently asked questions about Kestrl ### What is Kestrl's ethical focus? Kestrl helps you manage your money without compromising your beliefs. It flags payments to companies you disagree with and offers Shariah-certified, interest-free returns on your deposits. ### Does Kestrl offer interest-free returns? Yes, Kestrl offers a competitive, fully interest-free and Shariah-certified return on any money deposited in your Kestrl current account or savings pots. ### How does Kestrl help avoid unethical companies? Kestrl flags payments made to companies you don't agree with and suggests alternatives. You also receive a monthly score indicating how much of your money has been divested from harmful activities. ### What security features does Kestrl provide? Kestrl offers best-in-class security with instant card freezing for suspicious transactions, AI identity checks for unexpected access locations, and biometric security for account access. ### Can I manage all my bank accounts with Kestrl? Yes, Kestrl allows you to connect all your bank accounts via open banking, enabling you to manage your finances in one place, track subscriptions, build budgets, and avoid debts. ### Is Kestrl available in the UK only? Yes, the description explicitly states that Kestrl is relevant for UK customers only and that UK Residents only, Ts&Cs apply. ### What are the benefits of joining the Kestrl waitlist? Waitlist members become 'Alif' Early adopters and receive exclusive perks and early access to features for life in exchange for their feedback. ### Does Kestrl have ads? No, Kestrl does not contain advertisements. The app is free to use and does not have ads. ## Version history (last 5 releases) ### 2.7.0 — 2026-09-02 Withdrawals just got simpler. Update now! ### 2.6.0 — 2026-08-24 Virtual cards are here! Get yours instantly and start spending—no waiting for plastic. Manage all your cards in one place. Update now! ### 2.5.3 — 2026-07-30 A smoother experience and improvements throughout. Update now! ### 2.5.2 — 2026-07-13 A smoother experience and improvements throughout. Update now! ### 2.5.1 — 2026-06-23 Update your phone number and email directly in Settings—quick, secure, and right where you need them. Plus a smoother experience and improvements throughout. 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Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*