We are not a bank. We are a movement.

At INSIFR, we get this question a lot:
“Are you a bank?”

And the answer is: No, we are not a bank.
But we’re also not trying to be one.

We are something different.
Something better.
We are a movement, built for people who are ready for financial services that actually reflect their values, their faith and their future.

Let’s clear up a few things.
Because clarity builds trust and that’s where every strong relationship starts.

Why this matters

For too long, many of us have had to compromise between convenience and conviction.
We’ve kept our money in places that don’t reflect our beliefs — simply because there was no real alternative.
INSIFR changes that.

We’re here for people who are done settling.
For people who want to manage their money with dignity, clarity and freedom — all without compromising on their faith or their ethics.

1. We don’t hold a banking license ourselves - and that’s by design.

INSIFR partners with regulated financial institutions to deliver our services. We’ve chosen this model deliberately — because it allows us to build innovative, ethical products faster, without being tied down by the outdated structures of traditional banks.

Our services - including your account and card - are operated in collaboration with TransactPay, a fully licensed and regulated financial institution based in Malta. They hold the financial license and ensure that all legal and compliance requirements are met.

We manage the customer experience, values, and vision.
So while we don’t have a banking license ourselves, your money is handled under strict European financial regulation.

2. Your money is safe - and more flexible than ever.

A lot of people ask:
“What happens if INSIFR disappears? Is my money protected?”

Fair question. Here’s the truth:

Unlike traditional banks, we don’t lend your money out or invest it in risky ventures. All your funds are held in safeguarded, segregated accounts, completely separate from our own operational accounts. This is a legal requirement under Article 10B of the Maltese Financial Institutions Act, and it’s monitored closely.

In short?
Your money is not exposed to bank risk.
It’s always there, waiting for you, ready to be accessed 24/7.

3. Better than a guarantee - full access, full flexibility.

Many people are familiar with the Deposit Guarantee Scheme (DGS) - where banks protect your money up to €100,000. But what most don’t realise is that this is a limit, not a blanket protection.

At INSIFR, your funds are not part of this scheme and that’s actually a good thing. Here’s why:

Because your money isn’t being loaned out or invested, it doesn’t need to be insured the way it does in traditional banks.

It’s always 100% available, not just up to €100,000.

And we don’t need to wait for a central bank to step in if something goes wrong, your money is already separated, ready for you at any moment.

Every euro you deposit is fully yours.
No delays. No limits.

4. Your money doesn’t fund industries you disagree with.

We know how important it is to many in our community that their money is not used to finance harmful or haram industries, like alcohol, gambling, weapons, or interest-based loans.

When you manage your money with INSIFR, your funds stay clean.
They are not used in any way that goes against Islamic values.
We don't lend your money to others. We don't invest in interest-bearing products. And we never will.

Your money stays right where it belongs: under your control, ethically managed, and aligned with your beliefs.

A human story: Amina’s choice

“I wanted a way to manage my money without feeling like I was compromising on my beliefs,” says Amina, a young entrepreneur in Amsterdam.
“INSIFR gave me peace of mind — knowing that my money stays mine, stays clean and supports the kind of future I believe in.”

Amina is one of many who are choosing a new path.
One that aligns with both faith and freedom.

So… what are you?

We’re INSIFR.
A new financial partner.
Built by people like you - for people like you.

We’re creating a system where faith, fairness and freedom are at the core of how money moves.
Where your values are respected.
Where you’re not just a customer — but a part of a community that’s ready to change the way finance works.

No hidden agendas.
No compromises.
Just clarity, security and purpose.

We’re not a bank.
We are a movement.