Support

At Sifr, we use transparent and fair rates for our services.

Personal

€15 per month or €150 per year. Transactions are free.

Business

€25 per month or €250 per year and €0.20 per transaction.

You get access to all services associated with your account and a fully halal and innovative platform. This offers you not only peace of mind and security but also enables you to achieve all your financial goals. Every cent you invest is valuable. For more information, visit our Personal or Business page.

At Sifr, the onboarding process is simple and quick:

1. Choose a suitable subscription and enter your details through the Sifr app.

2. Verify your identity with an ID document and a selfie.

3. After completing the verification process, you are officially a member of the Sifr community and get instant access to our riba-free services.

Download your statements quickly and easily through the Sifr application under the "All Transactions" option on the account page.

We make it as easy as possible for you to stay in control of your finances, with transparency and constant accessibility.

Adding money to your Sifr account via transfer is simple:

Regular bank transfer:

Share your Sifr account details with your external bank and initiate the transfer from their platform.

Yes, you can. Your money is always within reach. With our user-friendly system, you can transfer money from your Sifr account to another account of your choice 24/7. You can also withdraw money from an ATM using your Mastercard.

There are several ways to get in touch with us:

For customers

Use our contact page and frequently asked questions for the fastest and easiest way to reach us. If your question is not listed, please email us at support@sifr.com.

For media

Contact us at media@sifr.com so at we can share our story with the world together.

For investors

Contact us at ir@sifr.com to explore our growth and investment opportunities.

Please share your feedback, suggestions or ideas with us at feedback@sifr.com. Your opinion helps us improve and is essential for our growth. Together, we will make Sifr even better!

The app is available in the Google Play Store and the iOS App Store. Search for Sifr and get the most out of your halal financial experience immediately.

3DS (also known as "Mastercard SecureCode", "Identity Check" and "Verified by Visa") is a standard that helps reduce fraud and provide additional security for your online payments.

Authentication is the process of identifying yourself by sharing secure information available only to you. 3DS 2.0 is the latest version and provides a much smoother and more secure way to authenticate your payments.

Authentication provides an additional layer of security for online transactions, making it harder for fraudsters to access your payment information.

Yes, your card is registered with Mastercard SecureCode (3DS). This means your card number is automatically recognized at checkout as soon as you see the Mastercard SecureCode logo online. During checkout, your card issuer will contact you to confirm your identity as the legitimate cardholder.

For each online purchase at participating merchants, you will receive a one-time 6-digit password (OTP). This OTP is sent by text or email to the mobile number or email address you registered with your card issuer. Simply enter the OTP on the displayed authentication page and click the "Submit" button. Your card issuer then verifies the OTP and the transaction is approved or declined.

The partially shielded mobile number and email address are displayed on the authentication page, so you can verify that these details are correct. If the mobile number or email address is incorrect, cancel the transaction and update your information through the portal or contact customer service at support@sifr.com.

If you ever suspect that a fraudulent purchase has been made with your card, contact customer service immediately at support@sifr.com.

You can open a Sifr account if you live or work in the Netherlands. Soon we will expand our services to Belgium, Germany, France, Spain and Italy so that more people can be part of the Sifr community. Our mission is to give as many people as possible access to our halal financial services.

At Sifr, opening an account is quick and easy. You need:

• A smartphone,

• A Dutch mobile number,

• A valid ID (passport or driver's license).

Once your application is approved, you can use all our halal financial services.

To open a Sifr account, you must:

• Live in the Netherlands,

• Be 18 years of age or older,

• Be in possession of a valid proof of identity (passport or driver's license).

Are you a parent and want to open a savings account for your child(ren)? You can, as long as you meet the above conditions.

Our accounts are protected with the highest security standards. We use bank-level encryption to secure your data during transmission and storage. We take care of your privacy and security. You are responsible for keeping your login information and card secure.

No, we do not use a minimum amount. We do this intentionally so that our services are accessible to everyone, regardless of financial situation. Moreover, we don't allow overdrafts, so you always stay in control of your finances.

"CLRB" in the IBAN number refers to our partner ClearBank.

ClearBank is regulated by the Dutch Central Bank (DNB) as a provider of cross-border financial services and is listed in the DNB register under number R182528. This means that ClearBank meets the strict requirements set by the Dutch regulator for financial institutions.

Yes, you can open multiple accounts at Sifr if, for example, you want to keep your private and business finances separate. For each service (private or business), you need to create a separate account. From those accounts, you can then request additional accounts so you can better organize your financial goals and structure.

No, you can't. Private accounts are intended for personal use and have different terms than business accounts. We recommend using a business account for your company's finances. This keeps your records organized and avoids potential problems with laws and regulations.

If you suspect unauthorized access, please contact us immediately via the app.

In addition, use the app to block all your cards immediately:

1. Go to the Cards tab in the home screen menu.

2. Find your cards and choose Block Card for all your cards.

We will secure your account and initiate an investigation into possible fraud. Never share your login information with others and use a strong password to prevent unauthorized access.

1. In the Sifr app, go to the home screen.

2. From the menu, select "Profile".

You can manage your personal information through the app. If you do not have access to the app, please contact us at support@sifr.com. We will verify your identity and then help you update it.

If you want to close your account, please contact our customer service team via the app.

Log in, submit your request, and we'll make sure your account is securely closed.

Don't have access to the app? If so, you can also email us at support@sifr.com.

Consult our documentation at:

https://developer.tell.money/sifr

As soon as you notice an unknown transaction, immediately block your Sifr card via the app:

1. 1. Go to the Cards tab in the home screen menu.

   2. Find your card and select Block Card.

   3. Contact our customer service team via the app. If you do not have access to the app, email support@sifr.com.

   4. Provide information about the transaction, such as seller, location and date.

   5. We will launch an investigation.

Sometimes a transaction appears unknown due to a different seller's name on the statement or a current subscription you forgot about.

Still in doubt? Then contact us as soon as possible via the app.

Payment fraud is a serious issue that affects individuals and businesses alike. It involves any type of fraudulent or illegal activity where someone uses stolen or fake payment information to obtain goods, services, or money.

Think you are entitled to a refund after a purchase with your Sifr card? We'll be happy to help.

Purchases made with your Sifr card are protected through the Mastercard Chargeback program. If the seller is uncooperative, we can help get your money back. Get in touch via the app. No access? Email via support@sifr.com.

You can file a claim as long as the transaction occurred less than 120 days ago. For example:

• Money was debited from your account but not paid (in full) by the ATM.

• Your order was paid for but not delivered.

• You received a damaged or defective product.

• More was debited than expected.

• You were charged in the wrong currency.

• Your subscription was canceled, but you were still charged.

• The seller did not issue a refund as promised.

• The seller went out of business before delivery.

Is your situation not listed here? Feel free to contact us via the app, we'll look into it together.

Can't get in touch with the seller? Contact us via app or email at support@sifr.com. We ask for:

• Description of the product/service, including date, seller and amount.

• Proof of damage or wrong delivery.

• Proof of purchase.

• Proof that you first tried to resolve it with the seller.

It depends on the seller, usually within 5 business days.

Always ask for a time estimate. Will it take longer than promised? Wait 1-2 more days and contact them again. Is the refund still not coming? Then contact us via the app.

Card purchases

This means the bank is still processing the payment. This usually happens within 7 business days.

Transfers

If you don't see a reason for the delay, contact us via the app or call us.

Are you receiving a suspicious message on behalf of Sifr? Report it immediately. This protects you and others:

Unknown transaction

Block your card in the app → Cards → Right Card → Block.

Unknown payment

Go to Payment History → tap Help → choose the appropriate option.

Suspicious transfer

Select the transaction → Help → Report as fraud.

Were you possibly scammed?

• Stop all communication immediately.

• Contact us immediately via the app.

• Report it to a relevant authority (see our Help Center).

When buying online:

• Be alert to offers that seem too good to be true.

• Never share PINs, passwords or codes.

• Read reviews about the seller.

• Type in web addresses manually and don't click on unexpected links.

• Always log out after use.

• Use your debit card instead of wire transfers.

• Check each payment carefully.

For account security:

• Keep your device up to date.

• Always log out after using our app.

• Lock your phone with PIN and/or fingerprint.

• Only download apps from trusted sources.

• Use a strong password and change it regularly.

Enable two-step verification (2FA) whenever possible.

SCA is a security rule for electronic payments. It requires at least two of the following forms of identification:

• • Something you know (password or PIN),

  • Something you have (for example, your phone),

  • Something you are (such as fingerprint or facial recognition).

See our complaint procedure on our legal page.

Your complaint will be registered and assigned to a staff member. You will receive a confirmation of receipt within two working days. We resolve simple complaints quickly; complex complaints can take up to 15 working days. We will keep you informed.

Open banking allows you to securely share your financial data with approved external parties. This allows you to:

• • Manage all your accounts in one place,

  • Use personalized services,

  • Experience more transparency and control.

Your data will be shared only with approved parties that comply with strict regulations and data security standards.

A bank or third party requests access to your data through the app. You will always be told what data is being requested, why, and you must give permission first. The process is secure through our app and that of the third party. You log in, thus giving permission to share data.

Open banking is a service that allows customers to securely share financial data with third parties, such as banks or service providers. This can include:

Payments

Third parties can make payments on behalf of the customer.

Insight into financial data

Third parties may view data (with permission) to better serve you.

Online fraud is any type of fraudulent activity that uses the internet. This includes scams designed to steal your money, personal information, or both, through websites, emails, social media, and other online platforms.

APP (Authorised Push Payment) fraud is when criminals trick you into voluntarily sending money to their account by pretending to be a legitimate person or organisation. To avoid it:

• Verify the recipient's details before sending money.

• Be wary of urgent requests for money.

• Don't be pressured into making a payment.

• If a deal seems too good to be true, it likely is a scam.

• If you are asked to send money to a new account, that you have not sent money to before, verify that account before sending funds.

Common types include:

• Phishing: Fraudulent emails, texts, or calls tricking you into revealing personal or financial

information.

• Skimming: Criminals illegally copying card data at ATMs or point-of-sale terminals.

• Account Takeover: Criminals gaining access to your online banking or e-money account.

• Malware: Malicious software that steals your data.

• Authorised Push Payment (APP) Fraud: Tricking you into sending money to a criminal.

Most common types include:

• Romance scams. The fraudster preys on the victim's need for affection by establishing an online romantic relationship through social media or dating platforms, to later persuade them to send money to the fraudster.

• Investment scams: The scammer sets up a fake investment website promising easy and high returns with little or no risk. When the victim deposits the money, it becomes clear that such a return never existed.

• Advance fee scams: The fraudster sends an email or letter to the victim stating that there is a large sum of money, for example that the victim has won a lottery or an inheritance, but there are some fees that must be paid before the large sum is released.

• CEO scams: The fraudster poses as the victim's boss or senior manager and convinces them to make an urgent payment or change payment details for a contract or supplier. The fraudster gains access to the company's business email account through hacking or spoofing.

• Mule accounts: In this case, the fraudster convinces genuine individuals to act as 'money mules' for him, most often by paying the victim a portion of the fraudulently obtained funds. The 'mules' may be duped or willing to accept payments into their own e-money accounts from (unknown to them) stolen cards/accounts. They are then instructed to transfer the funds to an account under the fraudster's control.

• Gift card scams: gift cards are similar to cash and scammers exploit this by contacting victims with urgent situations, instructing them to purchase gift cards from specific stores, and providing the card numbers and PINs to access the loaded money, resulting in permanent loss of money for the victim.

• Deepfake: voice fraud is a relatively new method of attack but one that has proven highly effective. As the name suggests, a criminal fakes the voice of somebody else with software that can successfully copy his/her voice via a small audio sample.

• Employment scams: Scammers target job seekers, offering fake employment opportunities or requiring payment for job applications, pre-employment checks, or training.

Key measures include:

• Never share your PIN, passwords, card details, or CVV/CVC code.

• Never share personal documents like passports, national IDs, driving licenses.

• Be cautious of unsolicited emails, texts, or calls asking for personal information.

• Use strong, unique passwords for all your online accounts.

• Regularly check your account statements.

• Keep your devices operating systems, antivirus and anti-malware software up to date.

• Be wary of suspicious websites and online offers.

• Be cautious about online stores where you use your card details. Do some research online before completing your purchase to make sure the website or app is legitimate.

• Enable two-factor authentication (2FA) wherever possible.

• Only use trusted Wi-Fi networks when using your accounts or making purchases.

• Be very sceptical of anyone asking you to transfer money urgently. 

Contactless card fraud occurs when criminals use stolen cards or devices to make small, unauthorized contactless payments. To prevent it:

• Regularly check your statements for unauthorized transactions.

• Consider setting a limit on contactless payments.

• Keep your card safe and secure.

• If your card is lost or stolen, report it immediately.

Phishing involves criminals sending fraudulent messages that appear to be from your payment services provider. These messages often ask for your login credentials, card credentials, personal information, or to click on malicious links.

2FA gives you twice the protection over your emails and social media accounts, which are common entry points that fraudsters try to exploit to get access to your e-money accounts and cards. So even if cyber criminals have gained access to your password, they can't access your email or social media account if they don’t have access to the second factor. For example, getting a code sent to your mobile phone when you sign in using a new device or change settings such as your password. This control will not trigger every time you check your email or social media account. 

• Immediately contact us.

• Change your passwords and PINs.

• Report the incident to the police or relevant authorities.

• Keep a record of all communication and actions taken.

• Immediately report the loss or theft to us.

• Request a new card.

• Check your account for any unauthorized transactions.

For card and account holders living in England, Wales and Northern Ireland who have been a victim of fraud or cybercrime, report it at www.actionfraud.police.uk or by calling 0300 123 2040. In Scotland, victims of fraud and cybercrime should report to Police Scotland on 101.

In Malta, customers can report fraud to the Cyber Crime Unit, Malta Police Force, telephone no. +356 2294 2231, or email: computer.crime@gov.mt

• Europol’s website - Payment Fraud | Europol

• Stop Scams UK - Home - Stop Scams UK

• Action Fraud - Action Fraud

• The UK International Consumer Centre - Common Scams | UKICC - The UK International

Consumer Centre

• Crime Prevention – Malta Police - Crime Prevention | The Malta Police Force

• The European Banking Authority (EBA) website - Frauds and scams | European Banking Authority

• National consumer protection agencies.

We would like to inform you that the Authorised Push Payment (APP) Fraud Reimbursement rules, that apply to bank and payment service providers for relevant UK consumer accounts, do not apply to the accounts provided by Sifr.

Why?
Our accounts are issued by a Gibraltar Financial Services Commission (GFSC)-licensed institution (Transact Payments Limited). This is important as the APP Fraud Reimbursement rules apply to relevant UK accounts and our accounts are issued by an institution domiciled and registered in Gibraltar, and are therefore out of scope of the reimbursement rules.

What this means?
This means that if you are a victim of APP fraud (where a payment is made to a fraudster and authorised by you), you will not be entitled to reimbursement under the conditions set out in the rules.

Nevertheless, if you fall victim to APP Fraud, we will make every effort to recover your funds, provided you notify us immediately if you suspect or become aware of any fraudulent activity.

We currently support:

• Card payments

• ATM cash withdrawals

• SEPA credit transfers

International payments, direct debits, periodic transfers or CHAPS payments are currently not supported. We are working to enable these functionalities in the future. Sifr is constantly expanding its user-friendly and reliable services.

International payments are currently not supported. We understand that this is important and are working hard to make this option available during the launch of Sifr 2.0. In the future, this will allow you to receive money from anywhere in the world. 

Make sure you have sufficient balance in your Sifr account.

1. Open the Sifr app.

2. Select "Send Money" at the top.

3. Insert the recipient's information and the amount.

Still having problems? Then contact us via the app. We will be happy to help you further.

Limits may vary by country and currency. In most cases, there are no limits.

Do you want to transfer a large amount? Then we may have to perform additional checks. This is done to ensure your security. In most cases this goes just as smoothly as small transfers.

1. Open the Sifr app and go to  "Transaction History".

2. Find the transfer you want to confirm.

3. Tap the transaction and select "Download".

4. The confirmation will be downloaded in your app's language.

Please note that it is not possible to download confirmations from failed transfers.

SEPA payments can take up to three business days.

Please check first that the correct account information has been entered. Has the amount not arrived after three business days? Then ask the recipient if the money has been credited.

If not, contact us via the app. We will be happy to check it for you.

Do you know the recipient? Then contact them yourself and kindly ask for a refund.

Is that not possible? Then contact us via the app. We can then initiate a chargeback request on your behalf.

Don't know the recipient? We will still be happy to help you. Please note that this process can take time and money and we cannot guarantee a full refund.

Always be extra careful when making payments to new recipients.

Be cautious in these situations:

• If you are asked to pay directly for purchases made through Marketplace or Instagram without a secure payment method such as PayPal.

• If someone claiming to be from your bank asks you to transfer money.

• If you are encouraged to invest in crypto through an unknown account.

Something doesn't feel right? Stop and contact us through the app. Safety comes first.

Please note that once a payment is sent, we cannot guarantee that you will receive a full refund.

Unfortunately, sent payments cannot be stopped.

Did you make a mistake? If so, contact the recipient immediately and ask for a refund.

Is that not possible? Contact us via the app - we're happy to help you.

Payments are usually processed within two hours, but may take up to the next business day.

Still haven't received the money after that? Ask the sender to verify that the information is correct and contact his/her bank if necessary.

Of course, we are also at your service if you have further questions.

Currently, Sifr only allows you to send payments in euros (EUR).

However, you can make purchases in other currencies, for example at webshops or while traveling. We are working on enabling payments in multiple currencies in the future to give you even more flexibility.

VoP is a security feature that checks whether the name entered for a payment matches the name registered to the IBAN. It helps prevent misdirected payments and fraud.  

You’ll receive a confirmation message and can proceed with the payment after reviewing the details. 

You’ll see a “No Match” warning. We strongly advise verifying the details with the payee before continuing. Proceeding may result in funds being sent to the wrong account, and recovery may not be possible.

You’ll be shown the registered name on the account. You should confirm with the payee before proceeding to ensure the payment request is genuine.

You’ll see an “Unable to check Payee Name” message. In such cases, confirm the details directly with the payee before proceeding.  

Yes. VoP will confirm if the name matches at least one account holder. Still, we recommend verifying the name with the payee.

When providing your bank details for receiving SEPA payments, always provide your full name (not a nickname). If you are a business customer, you should provide your legal or trading name.  

Always provide your full legal name and correct IBAN. Business customers should use their registered trading name.  

Yes. Under EU regulation, VoP must be performed for all SEPA and SEPA Instant payments.  

 VoP checks occur when adding a payee, making a credit transfer, or setting up a recurring payment order. 

Contact our support team immediately. However, if VoP flagged a mismatch and the payment was still processed, recovery may not be possible, and liability may not be assumed.  

Be cautious if someone encourages you to ignore a “No Match” or “Close Match” warning. Always verify payment requests with someone you trust.  

Some telltale signs of fraud are:

• Changes to account details
• A sense of urgency to make a payment

• Somebody advising you to accept a “close match” or “does not match” without verifying

• A deal that sounds too good to be true.

Our Sharia board, led by Mufti Faraz Adam, ensures that all our investments comply with Islamic principles. These independent experts advise us on Sharia standards, so you can rest assured that your money is managed fairly and responsibly. View the certificate on our legal page.

Sifr is a financial services provider that puts the Islamic community first. With us, you get access to a modern, innovative payment system tailored to your daily needs.

Through the Sifr app, you have access to an e-wallet (electronic wallet) and a Mastercard debit card. With Sifr, you manage all your finances in a way that suits your values.

At Sifr, everything is about you. We offer:

• • Riba-free financial services with secure investments.

  • Simple and user-friendly services that everyone understands.

  • Complete transparency about where your money is and what fees are charged.

  • Innovation through the latest technologies.

  • Active community involvement: listening, supporting and working together for your success.

At Sifr, we believe it is essential to support the community in line with Islamic values. We want to give everyone the opportunity to take control of their finances without compromising their principles. Conventional banks don’t always offer the right options or sufficient transparency. We do things differently by offering clear, halal financial solutions. By working closely with the community, we support local initiatives—helping people move forward, fostering real engagement, and making a positive difference together.

Sifr aims to operate globally. Many of our partners and our network are located in the Dubai International Financial Centre (DIFC). This strategic location helps us realize our ambitions. Nevertheless, as Dutch founders, we remain closely connected to our base in the Netherlands.

We aim to develop more and more Islamic financial products, including a fully riba-free halal mortgage. We expect this mortgage to be available soon, so you can achieve all your financial goals without losing sight of your Islamic values.

Want to be the first to know? Join the Sifr community and receive instant updates on new launches.

We are working on Islamic finance options for entrepreneurs such as Murabaha and Mudarabah. These are expected to be launched soon.

Our experts will guide you in making the best choice so that your business remains successful as well as true to your Islamic values.

Sifr will partner with organizations that have local social impact and have been verified by us.

Starting in 2026, you can easily donate Zakat or Sadaqah to recognized Islamic charities through your Sifr account. You choose a one-time or recurring donation matching your beliefs.