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What is halal banking?

Halal banking means managing money in line with Islamic values. Without interest, with clear agreements and transparent costs. This allows you to choose with peace of mind.

No riba: We do not pay out interest and we do not charge interest.


No uncertainty or speculation: Products are clear, with straightforward terms and conditions.


Ethical spending: We avoid sectors that are not permitted and we publish our criteria.

How Sifr applies this

A Dutch IBAN for your daily payments, riba-free savings with sub-accounts, interest cleansing where necessary and zakat tools. Everything is fully transparent and accessible within the app.

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Begin managing your finances riba-free today

Manage your money the halal way - safely, securely and digitally. Experience true financial freedom without compromising your values.

Open a halal bank account
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If you would like to find out more about the services you are receiving, please check our corresponding FAQ page or reach out to us via the Sifr app.

 

Sifr's payment accounts and related payment services are provided by Transact Payments Malta Limited, a payments and electronic money institution authorised and regulated by the Malta Financial Services Authority (MFSA) to offer payment and electronic money services in Malta and in the European Economic Area (EEA). Registered office: Vault 14, Level 2, Valletta Waterfront, Floriana, Malta, FRN 1914. Company number: C 91879.

 

Our products are not covered by the Depositor Compensation Scheme (DCS); however, your funds will be kept in segregated accounts and protected as required by Article 10B of Malta’s Financial Institutions Act (Chapter 376).

 

Sifr's card is issued by Transact Payments Malta Limited pursuant to licence by Mastercard International. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879.

 

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