The Islamic banks available to us in the UK (which are fully available to all of us, not just Muslims) don't give interest, but, instead, expected profit, but they have never paid below the rate they predicted. Quite often, their rate is better than the mainstream savings vehicles can offer. They are openly ethical in the sense that they will never invest their funds in alcohol, betting or tobacco. They are, of course, sharia-compliant. Personally, that has never bothered me (I'm not one of those ignorantes who squirm, kneejerk fashion, without ever having looked it up, at the word "sharia," which, as applied in the UK, has, without any strain at all, got to comply with the laws of the land, and the Islamic banks have no trouble with that).