# Sarwa: Invest, Trade & Save — Make Money Work > All-in-one investment, trading, and savings app with diversified portfolios and human support. (iPhone/iPad app by Sarwa Digital Wealth Limited.) - Source: https://appshunter.io/ios/app/sarwa-invest-trade-and-save/id1554353496 (this page in markdown: same URL + `.md`) - Developer: [Sarwa Digital Wealth Limited](https://appshunter.io/developer/1554353498) - Category: Finance, Productivity - Price: Free - Rating: 4.40/5 from 106 App Store ratings · 100 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 91 MB - Languages: American English - Released: 2021-04-12 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/sarwa-invest-trade-and-save/id1554353496/reviews.md ## What is Sarwa? Sarwa is an all-in-one investment and personal finance app. Whether you prefer a hands-off investment, real-time trading of stocks, ETFs or you want to save and earn an estimated return of over 4%, Sarwa is your one-stop shop. With Sarwa Invest, Trade, and Save, all your investments are covered. Investing has never been easier. With Sarwa, you can sign up in a few minutes and transfer with zero cost from a local U.A.E AED account. There are no lock-ins, no account opening or account closing fees. Looking for a hands-off investment to make your money work? With Sarwa Invest, we build you a globally diversified portfolio of Exchange-Traded Funds across assets, that reflect your risk profile and values. Once your account is funded, we take care of the rest from dividend reinvesting to portfolio rebalancing. With Sarwa Trade you can easily invest in companies you believe in. Sarwa Trade delivers self-directed trading of thousands of U.S. stocks and ETFs. You can also put your cash to work, with Sarwa Save. Earn high-yield estimated return with Save+. All with no lock-in period and no withdrawal fees. The estimated returns are before our fees. They are based on existing federal fund rates and other economic factors and are subject to change. HUMAN SUPPORT: We use smart technology to make the process fast and efficient. We also understand the need to talk to a real human. Our great support team is available to answer your questions. For accounts above $50K, you can schedule a meeting and talk to your advisors when you need them. SERIOUS ABOUT YOUR SECURITY: We adhere to high industry standards of security and compliance and have strict internal policies. Sarwa is regulated by top-tier regulators (FSRA in the ADGM) and is backed by renowned regional and international investors and government funds. FEATURED: ‘A good financial advisor can literally be the difference between make or break. In the UAE, plenty of investors trust [Sarwa] with their money’ – CNN. BIG ON EDUCATION: Learn and stay informed with our articles, videos, and workshops with Q&A sessions. We also feature community heroes that have had unconventional paths to success to inspire your own with My Sarwa Story. You can reach us at hello@sarwa.co. Sarwa Digital Wealth (Capital) Limited is regulated by the Financial Services Regulatory Authority (“FSRA”) in the Abu Dhabi Global Markets (“ADGM”) and holds a Category 3C license with a Retail Client and Holding and Controlling Clients Investments and Money Endorsement. Sarwa Digital Wealth (Capital) Limited’s registered address is 16-104, Hub 71, Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi, United Arab Emirates. https://www.adgm.com/public-registers/fsra/fsf/sarwa-digital-wealth-capital-limited All Promotional materials are provided from/by Sarwa Digital Wealth (Capital) Limited and is intended only for jurisdictions where it is authorised to provide services and does not constitute an offer or solicitation to provide services in any jurisdiction where it is not permitted to do so. Sarwa is not a bank. We can unlock high-yield accounts through our banking partners. Options trading entails significant risk and is not appropriate for all customers and may involve the potential of losing the entire investment in a relatively short period of time. Past performance is no guarantee of future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes and may not reflect actual future performance. Information contained on this platform is of a general nature only and does not consider your financial objectives or personal circumstances. All investing involves risk, including the possible loss of money you invest. Please visit our Disclaimer Notice page for further information. ## Key features - Hands-off investing with diversified portfolios - Real-time trading of stocks and ETFs - High-yield savings with estimated returns - Zero-cost transfers from local UAE accounts - No lock-in periods or account fees - Human support and advisor meetings - Educational articles, videos, and workshops ## What do users think of Sarwa? Overall sentiment: neutral **Pros** - 👍 User-friendly interface - 🚀 Quick and simple trades - 💡 Great for beginners - 🔒 Secure platform - 🤝 Excellent customer support **Cons** - 🐛 Buggy app with pricing and performance issues - 🔍 Lack of transparency in fees and account information - 🕰️ Slow app performance and freezing issues - 🔍 Difficult to navigate and find basic account details - 🕰️ Slow account approval and withdrawal process **Commonly reported bugs** - Prices and profit/loss values not updating correctly - Watchlists and pages getting stuck on loading screens - Good 'til Canceled orders being automatically canceled - Sync issues between displayed prices and actual trade prices **Most requested features** - Dark mode option - Advanced portfolio analysis tools - Web-based platform - Support for more asset classes (forex, commodities, etc.) - Improved order execution reliability ## Recent user reviews (10 of 100) All indexed reviews: https://appshunter.io/ios/app/sarwa-invest-trade-and-save/id1554353496/reviews.md ### 2/5 — Quite Buggy, Poor with portfolio performance analysis *2025-10-07, version 6.0.3* I have been using this app for a very long time now. The UI is great in terms of looks. But very buggy in many cases. When you go to certain pages, the stock price changes, the profit/loss value doesn’t unless you go back and come back to the page again. Sometimes watchlists or other pages get stuck at the spinning wheel requiring you to quit and reload the app. All the transactions you do, there’s no way to properly calculate profits/loss over multiple transactions in certain time frame. It’s hard to even know if one sale brought how much profit after selling the stocks. The total profit value they show is always over the lifetime. The deposits number also isn’t accurate in a sense that it doesn’t show relevant number to the current portfolio in most cases. You can’t change the default values they show in the main page, I.e. between all time value, value including cash/investments and profit/losses etc. These have been there for a very long time and I really thought these would get fixed fairly quickly. The UI and email/push alerts(news) is a great feature though. I’ve been using it on iPhone 16 pro max and 17 pro max over 5G and high speed WiFi. ### 5/5 — Best app *2025-10-03, version 6.0.3* Best refferal bonus ### 5/5 — Good Start *2025-09-25, version 6.0.3* Best robo advisor app for beginners. ### 5/5 — Quick and Simple Trades *2025-09-23, version 6.0.3* The app is very intuitive and easy to use. Very little learning curve and you figure out how to navigate the platform. ### 5/5 — App review *2025-09-16, version 6.0.1* Have been using Sarwa for a couple of years. Easy to use, reliable , secure and built for the trade app . The UI and the framework has been developed with so much care for anyone to understand and start trading! Thanks Sarwa team ### 2/5 — Very poor server to execute the trade, it freez to much lot of hassle to place order . *2025-09-09* Very poor server to execute the trade , it freez to much lot of hassle to place and execute the order ### 5/5 — Simplicity *2025-09-05, version 6.0.0* What I loved about this product was that it was so simple to use. The learning curve was minimal. Sure few minor improvements can be done, but anyone new to investing too can easily get in start trading. ### 1/5 — Dont use this app *2025-08-26, version 5.12.0* Worst app. You need to pay $35 for withdrawal fees. They wont mention this. You cant withdraw money from investing account, but you can deposit directly- how convenient. Also you cannot withdraw more than 115 dollars at once. In short they will loot you from everywhere possible ### 1/5 — Sarwa Invest *2025-07-27, version 5.12.0* Sarwa Invest account opening takes forever, although the app claims to complete the process within 2 days, it’s 7 days and still counting. Customer services refuse to acknowledge the issue, and keep asking if we face a problem without actually addressing it. Whatsapp customer services runs in a loop with no fix. Great app design let down by poor app management and disappointing customer service. ### 1/5 — This is not an all-in-one app *2025-06-28, version 5.11.0* I joined this app to trade stocks, but I was hoping to dabble in other markets too. Unfortunately, there's nothing else here. No commodities, no forex, no indices. It’s a one-trick pony. In today's market, it’s valuable to be able to move between different asset classes based on economic conditions. This platform locks you into a single lane. It’s a very outdated model, and I'll be moving my funds to a broker that offers a more comprehensive, all-in-one experience. ## Frequently asked questions about Sarwa ### What does the Sarwa app do? Sarwa is an all-in-one investment and personal finance app that allows users to invest in diversified portfolios, trade stocks and ETFs, and save money to earn estimated returns. It aims to make managing your money and growing your wealth easier. ### What are the key features of Sarwa? Key features include hands-off investing with globally diversified portfolios, self-directed trading of U.S. stocks and ETFs, and a savings option to earn high-yield estimated returns. The app also offers zero-cost transfers, no lock-in periods, human support, and educational resources. ### How much does Sarwa cost? The app itself is free to download and use. While there are no account opening or closing fees, and transfers are free from local UAE accounts, there are fees associated with the investment and trading services. Estimated returns are before these fees. ### Is Sarwa available in my region? Sarwa is primarily targeted towards users in the UAE. The app is regulated by the Financial Services Regulatory Authority (FSRA) in the Abu Dhabi Global Markets (ADGM), indicating its operational focus and compliance within that jurisdiction. ### Who is Sarwa for? Sarwa is designed for individuals who want to make their money work for them, whether they prefer a passive investment approach, active trading, or earning interest on their savings. It caters to both beginners and more experienced investors looking for a convenient and secure platform. ## Version history (last 5 releases) ### 7.4.0 — 2026-02-18 Trade – Historical Portfolio (V2) A new Historical Portfolio view is now available in Sarwa Trade, replacing the previous Performance tab. Access it from the Trade tab via the top-right icon. Performance Charts Account Balance & Net Deposits – Track your account balance over time with an optional net deposits overlay.Returns (Time-Weighted Return) – View your portfolio's investment performance, independent of cash movements.Earnings – See your historical profit or loss at a glance. Open Finance Funding Flow A new funding flow powered by Open Finance is now available for supported banks. This enables easier funding of your Sarwa accounts from supported UAE banks. ### 7.3.1 — 2026-01-14 Welcome to the Sarwa app where you can choose hands-off investing of your money or do-it-yourself trade of over 5,000 stocks and ETFs. This update includes some fixes and improvements under the hood to improve your overall Sarwa experience. ### 7.2.0 — 2025-11-18 Welcome to the Sarwa app where you can choose hands-off investing of your money or do-it-yourself trade of over 5,000 stocks and ETFs. This update includes some fixes and improvements under the hood to improve your overall Sarwa experience. ### 7.0.0 — 2025-11-04 Welcome to the Sarwa app where you can choose hands-off investing of your money or do-it-yourself trade of over 5,000 stocks and ETFs. This update includes some fixes and improvements under the hood to improve your overall Sarwa experience. ### 6.2.0 — 2025-10-20 Welcome to the Sarwa app where you can choose hands-off investing of your money or do-it-yourself trade of over 5,000 stocks and ETFs. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*