Zarah

Launching in the UAE · Early access spots are limited

Save Money Instantly Every Time You Pay

You don't have a saving problem. You have an automation problem. ZARAH rounds up every card payment and quietly builds your savings across every goal — from every account.
You just live normally.

See every UAE bank account in one place — finally

Every card tap saves a little. It adds up faster than you think

Multiple goals growing at the same time, automatically

Built For UAE Users
Who Live Fast And Want Control

You're already spending. Your card is already tapping. The only thing missing is a system that turns every transaction into progress, without asking you to think about it.

Connect via Open Finance

Link every UAE bank account in seconds. No login sharing. No screen-scraping. You grant access — and you can pull it back anytime.

Funds held with 
a sponsor bank wallet

Your saved money sits inside a licensed UAE bank — not with us. ZARAH runs the experience. A regulated bank holds your funds.

Security-first architecture

Bank-grade encryption. Minimal permissions. You're always in control.

You don't have  a money problem.  You have a system problem

You tell yourself you'll start saving next month

Every transaction already saves something.
Next month started now.

You have three bank accounts and no idea where you actually stand

One dashboard. Every UAE account.
Your real number, right there.

You downloaded four budget apps. You deleted all four.

ZARAH doesn't track what you did wrong.
It just quietly fixes it going forward.

What ZARAH Helps You Achieve

I'm saving for so many things at once

Vacation. Emergency fund. New phone. Pick your goals, set your round-up preference, and ZARAH automatically splits every save across all of them — simultaneously. No manual transfers. No mental overhead.

Which account actually has money right now?

You've got accounts across two or three UAE banks and you're switching between apps just to check your balance. Connect them all to ZARAH. One view. Real numbers. No more guessing before you pay.

Wait — I already saved AED 1,245 this month?

That's what round-up saving feels like. Every card payment rounds up to the nearest amount you choose. The difference goes straight into your goals. Small amounts. Every tap. Adds up without you noticing.

How Much Could You Save Automatically?

Every card purchase rounds up. The spare change builds your goals.

Transactions per day

Average check

45 AED

Round up to nearest

Per month

375AED

Per year

4,563AED

Of spending

5.6%

Based on avg. round-up of 2.5 AED per transaction across 6,750 AED/mo in spending.

Be first. Get launch perks + priority onboarding

How it Works

Three steps. Then you just spend normally.

Step 1

Link your accounts ~ four minutes

Connect your UAE bank accounts through Open Banking. We never see your login credentials — you authorise directly through your bank and can revoke access whenever you want.

Step 2

Tell ZARAH what you're saving for

A trip. A car. Anything. Set your goals and choose how aggressively you want to round up. Ready to receive every round-up automatically.

Step 3

Spend normally. Save automatically.

Every card tap rounds up. The difference hits your goals instantly — split across all of them. Check your progress when you feel like it. Adjust anytime. Or just forget about it and let it build.

Step 1

Connect your accounts securely

Link your bank accounts using Open Banking through Lean. You stay in control of permissions at all times

Step 2

Create a goal

Choose what you're saving for and set your preferences. ZARAH prepares your goal wallet  with a sponsor bank

Step 3

Let it run

ZARAH automatically builds progress using small, consistent saves — while you track analytics and adjust anytime

You can pause, change settings, or disconnect anytime

Security  
is not a feature.  It's the product

Bank-grade data protection

End-to-end encryption, in transit and at rest. We only request what we actually need — and you can cut our access anytime, directly from your bank.

Open Finance connection

Account connections run through Open Finance infrastructure — the same regulated standard used by licensed financial institutions. Your bank password never touches our systems. Not once.

Funds held with a sponsor bank wallet

Your savings sit inside a licensed UAE bank — not on ZARAH's balance sheet. We provide the interface. A regulated institution holds every dirham.

Compliance-first approach

We're completing the full UAE regulatory process before a single user goes live. We won't launch until it's done properly. No shortcuts.

Stop trying harder. Start saving by default

Most people don't fail at saving because they lack willpower. They fail because every save requires a conscious decision — and real life always wins that fight. ZARAH removes the decision entirely. You spend. It saves. Every time. No willpower required.

Get App

Early members get priority access and exclusive launch perks.