About Sifr | Our Mission, Values, and Vision

Managing your money in line with your faith

Sifr was born out of the need for the first fully halal and riba-free financial solution in the Netherlands. The founder, Mohamed Karrouch - with 20 years of experience in the financial sector - noticed that people who wanted to stay true to their faith had no suitable alternative. Together with experts and the community, he founded Sifr.

1.500+

customers worldwide

160+

supported countries and regions

20+

supported currencies

Sifr is confidence in your financial choices

Vision

Mission

Manifesto

Vision

A society where no one has to choose between their values and their financial future.

Mission

Helping people manage their money halal, in line with their faith, their lives and their future.

Manifesto

Freedom begins with staying true to what you believe. To build something that feels right. To a way of banking that fits who you are, what you stand for and what you want to pass on.

Read the manifesto

For anyone who wants to stay true to their values

Because principles are non-negotiable. Manage your money with confidence and feel secure about every choice.

Always manage your money halal

Sifr offers a fully halal and riba-free solution, supported by approved partners and the Sharia Ethical Board. Our partner Clear.Bank is regulated by the Dutch Central Bank (DNB).

Open a halal account test Free_Hand_Holding_iPhone_16_Pro_Mockup 2

Halal and riba-free management

For anyone who wants to handle money ethically. Halal, riba-free, transparent and simple for Muslims, foundations, young families and professionals.

For the community, by the community

With support from crowdfunders, partners, foundations and mosques, we are building Sifr: halal and riba-free with transparency, security and ease of use.