Sifr | Halal and Interest-Free Money Management

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Pay

Pay quickly and securely with your debit card.

Your payment card sent directly to you

Receive your payment card quickly and securely at your home, ready to use.

Manage your money interest-free

Your money is managed completely interest-free, so you have financial peace of mind and don't have to compromise.

What is halal banking?

Paying and receiving money safely

Every transaction is protected, so you can pay and receive money worry-free.

Your payment card sent directly to you

Receive your payment card quickly and securely at your home, ready to use.

Manage your money interest-free

Your money is managed completely interest-free, so you have financial peace of mind and don't have to compromise.

What is halal banking?

Paying and receiving money safely

Every transaction is protected, so you can pay and receive money worry-free.

Approved by
the Sharia Ethical Board

Since 2018, we at Sifr have been building financial solutions that fully comply with our Islamic principles. Every product is approved by the Sharia Ethical Board, so you can be sure your money is managed completely halal and interest-free.

Our Sharia Ethical Board is headed by Mufti Faraz Adam. He is a British scholar and consultant, founder of Amanah Advisors, with classical fiqh training, a master's degree in Islamic Finance and AAOIFI certification.

Read more about Sifr Sharia Ethical Board

Saving with peace of mind, features with impact

Save toward your goals

Set up sub-accounts for what's important. From a new car to Hajj: move forward one step at a time.

Hajj

7 months left

€7.000

€25.000

New car

3 months left

€11.000

€27.000

Zakat

3 months left

€1.050

€4.000

Vacation

10 months left

€7.000

€25.000

Umrah

10 months left

€1.200

€4.500

Open a halal account

Functions in line with your values

From investing in Sharia-compliant stocks according to AAOIFI standards to API links. Available soon.

Personal and business solutions

Managing all your money halal and riba-free

Personal

€15 / month

Dutch IBAN

Instantly available

Physical & digital debit card

Secure and convenient, accepted anywhere

Tap to Pay (coming soon)

Make contactless payments

Business

€25 / month

All business types

BV, VOF, sole proprietorship and association

Team cards (physical & digital)

For your team or organization

Linking accounting software

Automatic reconciliation

So much more than a halal account

An intuitive app

Payment Cards

Dutch IBAN

International transactions

The Sifr app makes it easy to keep control of your money: completely halal, riba-free and secure.

Get started within minutes and manage your spending and savings wherever and whenever you want. Our app is modern, intuitive and designed to make your financial choices effortless.

Coming soon.

With Tap to Pay, collect contactless payments directly on your phone, quickly, securely and without a terminal.

Start in minutes and manage permissions, transactions and notifications effortlessly in the Sifr app.

With payment cards, give employees secure payment methods with their own limits and roles.

Activate virtual cards instantly, order physical cards, manage limits, pause when lost and receive notifications in the Sifr app.

Receive a Dutch IBAN in your name, ready to use immediately.

Pay and receive easily with SEPA transfers, all conveniently arranged in the Sifr app.

Send and receive internationally in more than 20 currencies.

See rate and fees in advance, track status and manage everything in the Sifr app.

Freedom to grow begins with Islamic values.

At Sifr, money management goes beyond transactions. It is a way to stay true to your Islamic values and make financial choices that truly suit you.

Find out how it works

Frequently Asked Questions

We understand that you may have questions. Below are the most frequently asked questions.

What does halal financial management mean?

Halal financial management means that all your money transactions are completely free of interest (riba) and other non-halal practices. At Sifr, we only work with solutions that are consistent with Islamic values and our ethical principles.

Who is Sifr for?

For anyone who wants to manage their money in line with their values: private or business. Think of families and students, freelancers and
SME, and foundations or mosques that want to work clearly and reliably.

Can I also save with Sifr?

Yes. You create sub-accounts per goal, set aside automatically and keep track of progress and expenses in the app. Savings is riba free; so you receive no interest, but you retain full visibility and control.

Can I apply for a halal mortgage through Sifr?

Not yet. We are working on Sharia-compliant forms of funding (such as murabaha/ijara). Sign up for our newsletter for updates and follow our roadmap to see when this becomes available.

How does Sifr make money without interest?

With transparent subscription fees (private and business) and, where applicable, clear service or exchange fees. We do not earn interest or invest in unauthorized activities.

Have questions?

Feel free to contact us through our Support page.

Halal financial solutions for everyone

Savings | Coming soon

Loans | Coming soon

Your payment card sent directly to you

Manage your money interest-free

Paying and receiving money safely

Your payment card sent directly to you

Manage your money interest-free

Paying and receiving money safely

Saving with peace of mind, features with impact

Save toward your goals

Functions in line with your values

Managing all your money halal and riba-free

Personal

Business

So much more than a halal account

An intuitive app

Payment Cards

Dutch IBAN

International transactions

Frequently Asked Questions

Have questions?

Open a halal account and choose Islamic values