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Secure payments worldwide

Work globally with confidence. Pay abroad and make international transfers in more than 20 currencies right from the app. You see the exchange rate and all fees in advance, receiving a status update immediately after confirmation.

Your personal Dutch IBAN is central to receiving and sending. The app helps you securely record amounts and beneficiaries and allows you to quickly make repeat payments when needed - this keeps international payments simple and predictable.

Your card is available immediately as a virtual card. The physical card follows quickly and works worldwide wherever your network is accepted. You always stay in control, even on the go.

Manage everything from the app. Set limits per day, month and transaction, freeze your card if lost and view details and notifications for each payment. This works fully halal and riba-free, with a clear overview and settings you can adjust at any time.

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 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.

Your Mastercard is now welcomed at millions of locations worldwide.