Home > Private, Business

Borrowing in line with Islamic values

Coming soon

We are working on halal financial solutions without riba, exploring models such as murabaha and ijara, carefully vetted by our Sharia Board to ensure that the structure and contracts align with Islamic principles.

We're exploring and designing the first variants in collaboration with the Sharia Ethical Board and industry partners. You'll see exactly what you pay in advance, which steps you'll take and how the repayment is structured.

You'll manage the entire process in the app. You'll provide documents, track the status of your application and view your payment plan, with clear terms and settings that you can adjust as needed.

Note: borrowing comes with obligations. Check whether the monthly costs fit your situation and only take on a commitment that you can bear responsibly.

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

Cookies Legal documents Privacy Policy

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.