NIB Savings Accounts

Grow Your Savings, Ethically & Profitably

Start your savings journey with as little as £100! Our Mudarabah (Profit-Sharing) Savings Account offers up to 4.70% annual returns, all while adhering to Shariah principles. Instead of interest, your money is invested in ethical, Shariah-compliant ventures, and profits are shared based on a pre-agreed ratio.

Features & Benefits

🌱 Grow Savings, Create Impact

Ethical Investment

Your money is invested in Shariah-compliant, asset-backed ventures.

Profit-Sharing Model

Receive a share of profits, instead of fixed interest.

Start with £100

Open your Grow-Your-Savings account with as little as £100.

Up to 4.70% Returns

Historically offers attractive annual returns, up to 4.70%.

No Interest Involved

Completely interest-free, aligned with Islamic financial principles.

Social Impact

Help others own homes Interest-Free while growing your savings.

Asset-Backed

Your savings are invested in real, tangible properties.

Secure & Transparent

No hidden fees, all investments are backed by real assets.

Features & Benefits

NIB Saving Accounts

Feature

Minimum investment amount

Profit sharing ratio

Your return is based on a share of the profits generated from the properties we finance.

Historic profit rate awarded

The displayed rates represent our historically awarded annual profit rates, but please note that past performance is not a guarantee of future results. Returns are based on actual profits earned, not a fixed rate.

Dividends are distributed monthly, and the expected annual profit rate reflects the effective total return over a year if monthly dividends are reinvested. These rates correspond to target monthly returns of 1.00%, 4.00%, 4.51%, and 4.60% per annum, respectively.

Unlimited top-ups

You can transfer any amount, provided it meets the minimum investment threshold. Every 30 days, you can also top up your account by an additional £2,000 with no paperwork. Want to invest more? Just fill out a quick top-up form. Plus, topping up your account is free of charge—an added bonus!

Social purpose

Your investment will help finance property purchases for people across Italy, enabling them to buy homes without interest and stay free from debt.

Asset-backed investment

To minimize risk, each property is either directly owned or secured with a legal charge by a ring-fenced entity.

Ring-fenced portfolio

Your funds are safeguarded through a ring-fenced entity dedicated solely to property purchases within Italy.

Withdrawal/exit fees

This one-time fee covers administrative costs if you decide to withdraw funds or close your account.

Minimum notice period

This is the minimum recommended notice period for withdrawals. Exiting your investment may depend on Banks4All securing replacement capital or homebuyers purchasing equity in their properties, whichever happens first. If unsure, please consult a financial advisor.

NIB Saving

£100

Medium

4.07%

0.25%

3 Months

NIB Saving+

£5,000

High

4.60%

0.25%

3 Months

NIB Saving Pro

£30,000

V. High

4.70%

0.25%

3 Months

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NIB Savings Accounts

How It Works?

Experience the simplicity of our Grow-Your-Savings product:

  • Register & Apply: Open an NIB Saving Account.
  • Approval: We quickly process your application.
  • Invest: Transfer your initial investment.
  • Home Financing: Your funds finance homes for the community.
  • Rental Profits: Homeowners pay rent on shares they don’t own, generating profits.
  • Monthly Dividends: Receive dividends in your account each month.
  • Withdraw or Reinvest: Choose to withdraw or automatically reinvest your returns.

Grow your savings while making a positive impact!

first step towards NIB Savings Account!

Apply for NIB Savings Account

📝 Ready to Get Started?

Please fill out the form below to begin your NIB account opening process. Our team will review your application and guide you through the next steps.

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We’re here to help! Whether you need answers to common questions or want to reach out to us directly, we’ve got you covered.

Client Testimonials

Love from Our Customers

Here’s what Banks4All Customers Say about their Experience with NIB Services.

4.5/5

4.9 of 5 (3600 reviews)

3.5/5

5 of 5 (1295 reviews)

4.9/5

4.9 of 5 (3600 reviews)

5/5

5 of 5 (1295 reviews)

James H., Italy

NIB allowed me to buy my first home, ethically and transparently.

Lily T., Italy

I trust NIB to manage my savings without the burden of interest.

Michael B., Italy

NIB’s services are perfectly aligned with my financial and ethical values.

Sophia W., Italy

Very Professional & Expert team, they guide me about NIB’s services perfectly.

Imran K., Italy

My savings not only grow but also contribute to helping families avoid debt.