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Transparent pricing

with no hidden costs

Clear monthly price with all features included. No hidden costs, everything transparent and simple.

Personal

€15
per month

Dutch IBAN
Linked directly to your account

Ready to use
For daily payments

Personal and organized
Connected to your account via the app

Free euro transactions
Connected to your account via the app

Apple & Google Pay
Coming soon

Open a current account More about personal rates

Business

€25
per month

All business forms
BV, VOF, sole proprietorship and association

Team cards
For your team or organization

Ready to use
For all business payments

Dutch IBAN
Linked directly to your account

Real-time insights
Simple and digital via the app

Open a business account More about business rates

Frequently asked questions

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

How does Sifr make money if everything is interest-free?

Sifr earns through transparent service fees, subscriptions and partnerships, ensuring all products remain fully halal and riba-free.

Are there any hidden costs or extra fees?

No. We work with a clear monthly fee per account. Any additional fees (such as international transfers, exchange rates, card replacement or cash withdrawals over your limit) are clearly stated upfront in the app and on the pricing page. No fine print, no surprises.

What is included in my subscription?

You get a Dutch IBAN in your name, the Sifr app with full digital management, a virtual card (active immediately), 3D Secure
security, notifications and limits, sub-accounts/savings goals, and access to our Help Center. For extras such as additional (team) cards, Tap to Pay, international payments or accounting links, clear rates are shown in advance. You can find the complete overview on the pricing page.

Have questions?

Feel free to contact us through our support page.

Start managing riba-free today

Manage your money completely halal, securely and digitally. Start now and experience financial freedom in line with 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.

 

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