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Zoya Finance vs Amal Bank: Islamic Finance Comparison

Zoya Finance

4.6
Higher Rated
VS

Amal Bank

4.2

Zoya Finance

Profit Rate

Contact for rates

Min Down

Contact

States

All 50

Verified

Yes

investinginvesting

Amal Bank

Profit Rate

0% – 0%

Min Down

0%

States

All 50

Verified

Yes

bankingbanking

Detailed Rating Comparison

Zoya FinanceCategoryAmal Bank
4.6

Overall Score

4.2
4.5

Sharia Compliance

4.6
4.8

Transparency

4.3
4.4

Customer Service

4.0

States Served

Zoya Finance — All 50 States

🌎 Nationwide coverage

Available in all 50 US states

Amal Bank — All 50 States

🌎 Nationwide coverage

Available in all 50 US states

Fair Meridian Verdict

Zoya Finance

San Francisco-based halal stock screener app founded 2020. Screens 12,000+ US, UK, and Canadian stocks using AAOIFI methodology. Over $1 billion in assets managed by Zoya users. In Independently rated 4.6/5 with particularly strong scores on Sharia compliance.

Amal Bank

Digital-only Islamic bank for US Muslims. Sharia-compliant checking and savings. Independently rated 4.2/5 with particularly strong scores on Sharia compliance.

* Ratings based on independent editorial review. We may receive a referral fee if you apply through our links — this does not affect our ratings.

Apply at ZoyaFull Review
Apply at AmalFull Review

Fair Meridian Verdict: Zoya Finance vs Amal Bank

Overall winner: Zoya Finance (4.6/5)

Zoya Finance is our top recommendation for self-directed Muslim investors who want to screen individual stocks for Sharia compliance. Its AAOIFI-based methodology, 12,000+ stock coverage, Zakat calculator, compliance alerts, and brokerage integration make it the most comprehensive halal stock screening platform available to US investors in 2026.

Zoya Finance

Zoya Finance is our top recommendation for self-directed Muslim investors who want to screen individual stocks for Sharia compliance. Its AAOIFI-based methodology, 12,000+ stock coverage, Zakat calculator, compliance alerts, and brokerage integration make it the most comprehensive halal stock screening platform available to US investors in 2026.

Full review

Amal Bank

Promising new digital bank. Their checking account is excellent but savings rates could improve.

Full review

Ratings based on independent editorial research. No provider pays to receive a higher score.

Who Should Choose Each Provider?

Choose Zoya Finance if…

  • You are buying in any of the 50 US states
  • You are buying near San Francisco and want in-person service
  • San Francisco-based halal stock screener app founded 2020

Choose Amal Bank if…

  • You are buying in any of the 50 US states
  • You prefer ISNA certification — the leading North American Islamic body
  • Digital-only Islamic bank for US Muslims

Frequently Asked Questions

Based on Fair Meridian's independent ratings, Zoya Finance scores higher overall with a 4.6/5 rating. However, the best choice depends on your state, financing structure preference, and specific needs.

Yes. Zoya Finance is licensed in all 50 US states.

Yes. Amal Bank is licensed in all 50 US states.

Zoya Finance: San Francisco-based halal stock screener app founded 2020. Screens 12,000+ US, UK, and Canadian stocks using AAOIFI methodology. Over $1 billion in assets managed by Zoya users. Includes Zakat calculator and brokerage integration for commission-free halal investing. Amal Bank: Digital-only Islamic bank for US Muslims. Sharia-compliant checking and savings. See the full rating breakdown and product comparison above.

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