Best UAE Robo-Advisors for Expats 2026

Why robo-advisors matter for expats in the UAE

Most expats hold multiple currencies and move between countries. Robo-advisors registered with SCA and DFSA give low-cost access to global portfolios without opening overseas brokerage accounts. In 2026 they also handle AED salary transfers, WPS compliance, and tax reporting for ICP visa holders.

Sarwa

Sarwa is an SCA-regulated platform that builds portfolios from ETFs listed on NASDAQ and NYSE. Minimum opening balance is AED 15,000. Annual management fee starts at 0.5 percent for balances under AED 750,000 and drops to 0.35 percent above that. Portfolios delivered 7.8 percent net return in 2025 after fees. Expats can fund via local bank transfer or international wire and receive monthly AED statements.

Baraka

Baraka focuses on Sharia-compliant ETFs and sukuk. It requires AED 5,000 to open and charges 0.75 percent all-in. The platform offers automatic zakat calculation and quarterly reports aligned with UAE Central Bank guidelines. Average net return for a balanced portfolio was 6.4 percent in 2025. Accounts are accessible via Emirates ID or passport login and integrate with salary accounts at Emirates NBD and FAB.

Stashi

Stashi, formerly known as StashAway in the UAE, lowered its minimum to AED 10,000 in early 2026. Fees range from 0.6 percent to 0.8 percent depending on risk level. The service uses both conventional and ESG ETFs. Reported net returns for a medium-risk portfolio reached 8.1 percent in 2025. Expats receive automated W-8BEN forms and can request tax summaries for home-country filings.

Key comparison points

• Minimum balance: Baraka AED 5,000, Stashi AED 10,000, Sarwa AED 15,000
• Fees: Sarwa lowest at 0.35-0.5 percent, Baraka fixed at 0.75 percent
• Sharia option: only Baraka offers fully compliant portfolios
• Funding speed: all three credit AED within two working days

Choosing the right platform

Start with your investment horizon and preferred asset style. If you want the lowest fees and do not need Sharia screens, Sarwa is usually cheapest. For halal investing and lower entry amounts, Baraka works well. Stashi suits investors who want ESG choices and slightly higher historical returns. Always match the platform to your residency visa length and expected stay in the UAE.

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Tovi knows current 2026 UAE rules, fees, and processes. Ask anything — visas, banking, housing, schools. Ask Tovi free →