Best Halal Investing Referral Codes Malaysia 2026
4 Shariah-compliant platforms · Verified codes · Updated Apr 2026
Wahed Invest is the only robo-advisor in Malaysia where every portfolio is 100% Shariah-certified — no conventional interest, no haram sectors. Code YINOOI1 gives RM20 welcome bonus after investing RM200. Managed by an independent Shariah advisory board. The #1 choice for Muslim investors who want automated halal investing.
Best for: Muslim investors wanting fully automated, certified halal investing
Min: RM200
ASNB Ria is Malaysia's national robo-advisor built on Amanah Saham Nasional Berhad (ASNB) — a government-backed institution. Code ZP3HXD gives RM20 bonus. ASNB funds (including ASB) are certified halal by Majlis Agama Islam. For Bumiputera investors, this is the most accessible halal unit trust platform.
Best for: Bumiputera investors, ASB/unit trust preference, government-backed safety
Min: RM100
FSMOne Malaysia (code 4G4TEP) gives RM25 + 50% off fees for 30 days. FSMOne carries a wide range of Shariah-compliant unit trusts, ETFs, and bonds. It is the best platform for halal investors who want to self-select specific Shariah-certified funds rather than rely on an automated portfolio.
Best for: Hands-on investors wanting to choose specific halal funds and ETFs
Min: RM100
StashAway (referral link) primarily invests in conventional ETFs, but offers a Shariah-compliant portfolio option. The referral gives RM30,000 managed free for 6 months — the highest value referral in Malaysian investing. Best for investors who want StashAway's ERAA® strategy applied to Shariah-screened assets.
Best for: Investors who prefer StashAway's platform with a Shariah-compliant portfolio
Min: RM100
RM30,000 managed free
Get code →FAQ
Which investing app is best for halal investing in Malaysia?
Wahed Invest (code YINOOI1) is the #1 choice for fully Shariah-compliant investing — every portfolio is 100% halal-certified. ASNB Ria (code ZP3HXD) is best for Bumiputera investors wanting government-backed ASNB/unit trusts. FSMOne (code 4G4TEP) is best for choosing specific Shariah ETFs and unit trusts manually.
Is EPF (KWSP) halal?
EPF is a conventional provident fund — it invests in both conventional and Shariah-compliant assets. However, EPF offers a Shariah Savings option (Simpanan Shariah) which ring-fences your EPF savings into a 100% Shariah-compliant investment pool. Contact EPF to switch to Simpanan Shariah if you want fully halal EPF savings.
Is ASB (Amanah Saham Bumiputera) halal?
ASB is certified halal by the National Fatwa Council. The ASNB Ria app (code ZP3HXD) makes it easy to invest in ASNB-managed funds including halal unit trusts directly from your phone. Note: ASB is only available to Bumiputera Malaysians. Non-Bumiputera can invest in other ASNB funds via Ria.
Can non-Muslims use Wahed Invest?
Yes. Wahed Invest is open to all Malaysians regardless of religion. The portfolios are Shariah-compliant (halal-screened), but there is no religious requirement to use Wahed — many non-Muslim investors use it because Shariah screening excludes tobacco, alcohol, weapons, and gambling, which aligns with ESG investing principles.
What is the minimum investment for halal investing platforms in Malaysia?
Wahed Invest: RM200 minimum (referral code YINOOI1, RM20 bonus). ASNB Ria: RM100 minimum (code ZP3HXD, RM20 bonus). FSMOne: RM100 minimum (code 4G4TEP, RM25 + 50% off fees). StashAway: RM100 minimum (referral link, RM30,000 managed free).