Get up to AED 3,000 when you open Sarwa
Sarwa pays a cash bonus to both of us when you sign up with the code on the right and fund $500 within 90 days. The amount scales with how much you deposit.
Paste this in the referral field when you sign up at sarwa.co. The field disappears after you create your account.
How to use it
Four steps. Everything happens inside Sarwa’s app. This site only gives you the code.
📋 Copy the code
Copy DXKR1D4E from the card above.
📝 Sign up at Sarwa
Go to sarwa.co and paste the code in the referral field during onboarding. This is the only moment it works.
💰 Fund $500 or more
Deposit at least $500 within 90 days, in one transfer or several. Invest, Trade, and Save all count toward the total. Deposit more to unlock higher bonus tiers.
🎁 Both of us get paid
Sarwa credits AED 100 to 3,000 to each account within 30 business days of you reaching a tier.
One thing to know before you fund: keep your deposit and bonus in your account for 12 months. Withdraw below that amount early and Sarwa may reclaim the bonus from both of us. Full conditions in the terms, explained.
What is Sarwa?
Sarwa is a UAE-regulated investment platform that gives residents access to US markets, automated portfolios, and a high-yield savings account, all from one app. It launched in 2017 and holds a Category 3C licence from the FSRA in the ADGM.
📈 Sarwa Invest
Set your risk level and Sarwa builds a portfolio of low-cost ETFs: conventional, halal, or socially responsible. Sarwa rebalances and reinvests dividends automatically. Minimum: $500.
📊 Sarwa Trade
Buy and sell 10,000+ US stocks and ETFs directly. Fractional shares start at $1. No account minimum and no commissions.
💵 Sarwa Save
Earn up to 4% annually in USD with no lock-in period. Funds remain accessible. Deposits count toward your referral bonus tier.
Sarwa charges 0.40%–0.85% annually on Invest accounts. No fees on deposits or withdrawals across any product. Read Sarwa’s full product guide →
🏆 Bonus tiers
The more you deposit in your first 90 days, the higher the bonus for both of us. Reach a higher tier later and Sarwa pays the difference on top.
| Your total deposit in first 90 days | Bonus to each of us |
|---|---|
| Under $500 | AED 0 |
| $500: first milestone | AED 100 |
| Intermediate milestones | AED 100–3,000 |
| Top milestone | AED 3,000 |
Frequently asked questions
❓ What is the Sarwa referral code?
DXKR1D4E. Enter it in the referral code field during sign-up. Sarwa does not accept codes after you create your account. The field appears once, during onboarding only.
💰 How much is the bonus?
Between AED 100 and AED 3,000 for each of us. Deposit $500 within 90 days to unlock the first tier. Deposit more and the bonus scales up. Both the referred friend and the referrer receive the same amount.
⏰ When does Sarwa pay the bonus?
Within 30 business days of you reaching a qualifying deposit tier. Sarwa credits it in AED directly to your account.
🏦 Which accounts count: Invest, Trade, or Save?
All three. Sarwa adds your deposits across Invest, Trade, and Save toward the bonus total. Moving money between Sarwa products is safe and does not count as a withdrawal. Joint accounts are excluded.
📈 What if I deposit more and reach a higher tier later?
Sarwa pays the difference between the two tiers, to both of us. Earlier payouts stay. This only applies if you reach the higher tier within your 90-day funding window.
🔀 Is this code better than others?
No. Every Sarwa referral code pays identical amounts under identical terms. What this site adds is a plain-English explanation of every condition, including the ones that can cost you the bonus.
ℹ️ What does this site earn?
The same bonus you receive: AED 100 to AED 3,000, matched to your deposit tier. No ads, no affiliate networks, no tracking. Full disclosure in About & disclosure.
Ready to start?
Copy DXKR1D4E, sign up at sarwa.co, and fund $500 within 90 days.