INSIFR listens and is ready to answer all your questions

At INSIFR, we offer transparent and fair pricing for our services.

Individuals
€15 per month or €150 per year. Transactions are free of charge.

Businesses
€25 per month or €250 per year, plus €0.20 per transaction.

You gain access to all the services linked to your account, as well as a fully Halal and innovative platform. This not only provides peace of mind and security, but also empowers you to achieve all your financial goals. Every cent you invest is worthwhile.

At INSIFR, the onboarding process is simple and fast:

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

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

3. Once the verification process is complete, you’re officially part of the INSIFR community and will gain immediate access to our riba-free services.

Quickly and easily download your statements through the INSIFR app under the 'All Transactions' option on your account page. We make it as easy as possible for you to stay in control of your finances, with transparency and constant accessibility.

Adding funds to your INSIFR account via bank transfer is simple:

Standard bank transfer:
Share your INSIFR 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 funds from your INSIFR account to any account of your choice 24/7. You can also withdraw cash from an ATM using your Mastercard.

There are several ways to get in touch with us:

For customers
Use our contact page and FAQ section for the fastest and easiest way to reach us. If your question isn’t listed, feel free to email us at support@insifr.com.

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

For investors
Reach out via ir@insifr.com to explore our growth and investment opportunities.

Share your feedback, suggestions, or ideas with us at feedback@insifr.com. Your input helps us improve and is essential to our growth. Together, we’ll make INSIFR even better!

The app is available on the Google Play Store and the iOS App Store. Simply search for INSIFR and start making the most of your Halal financial experience right away.

The cards are expected to launch by the end of summer.

You can open an INSIFR account if you live or work in the Netherlands. Soon, we’ll be expanding our services to Belgium, Germany, France, Spain, and Italy - making it possible for even more people to become part of the INSIFR community. Our mission is to provide as many people as possible with access to our Halal financial services.

At INSIFR, opening an account is quick and easy. You’ll need:

• A smartphone

• A Dutch mobile number

• A valid ID (passport or driver’s license)

Once your application is approved, you’ll be able to access all of our Halal financial services.

 To open an INSIFR account, you must:

• Live in the Netherlands

• Be 18 years or older

• Have a valid ID (passport or driver’s license)

Are you a parent looking to open a savings account for your child(ren)? That’s possible - as long as you meet the requirements above.

Our accounts are protected with the highest security standards. We use bank-level encryption to safeguard your data during transmission and storage. Your privacy and security are our priority. However, you are responsible for keeping your login credentials and card safe.

No, we do not require a minimum balance. This is a conscious choice to ensure our services remain accessible to everyone, regardless of their financial situation. Additionally, we do not allow overdrafts, so you always stay in control of your finances.

"CLRB" in your IBAN refers to our partner Clear.Bank. 

Clear.Bank is authorised and regulated by De Nederlandsche Bank (DNB) to offer cross-border financial services and is listed in the DNB register under number R182528. This means Clear.Bank meets the strict regulatory requirements set by the Dutch financial authority.

From 2027 onward, we expect to introduce IBANs with the bank code "SIFR", which will be directly tied to our own brand identity.

Yes, you can open multiple accounts with INSIFR - for example, if you want to keep your personal and business finances separate. You’ll need to create a separate account for each service (personal or business). From within those accounts, you can request additional sub-accounts to better organize your financial goals and structure.

No, that’s not allowed. Personal accounts are intended for individual use and have different terms than business accounts. We recommend using a business account for your company’s finances. This helps keep your records clear and organized, and prevents potential issues with laws and regulations.

If you suspect that someone else has (had) access to your account, please contact us immediately via the app.

Also, use the app to block all your cards immediately:

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

• Find your cards and select Block card for each of them.

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

1. Go to Home in the INSIFR app.
2. Select the Profile option from the menu.

You can manage your personal information through the app.

If you don’t have access to the app, please contact us at support@insifr.com. We will verify your identity and then assist you with updating your information.

Contact our customer support via the app if you want to close your account. Log in and place your request, and we will make sure your account is securely closed. If you do not have access to the INSIFR app, call us at +31 (0)808 258 4888 for assistance.

Please find our developer documentation here: https://developer.tell.money/insifr

As soon as you notice an unfamiliar transaction, immediately block your INSIFR card through the app:

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

• Find your card and select Block card.

• Contact our customer service through the app. If you don’t have access to the app, email us at support@insifr.com.

• Provide details about the transaction, such as the merchant, location, and date.

We will start an investigation.

Sometimes a transaction may appear unfamiliar due to:

• A different merchant name on the statement,

• An active subscription you may have forgotten about.

Still unsure? Please contact us through the app as soon as possible.

Payment fraud occurs when scammers trick you into making a payment that ends up with them. They pose as trustworthy sellers with attractive offers and disappear as soon as they’ve received your money.

Always be cautious when shopping online and only buy from reliable stores.

Do you believe you're entitled to a refund after a purchase with your INSIFR card? We're here to help.

Purchases made with your INSIFR card are protected through the Mastercard Chargeback program. If the seller doesn't cooperate, we can help you recover your money.

Contact us through the app. No access? Email us at support@insifr.com.

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

• Money was withdrawn from your account but not (fully) dispensed by the ATM.

• You paid for an order, but it was never delivered.

• You received a damaged or defective product.

• More was charged than expected.

• You were charged in the wrong currency.

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

• The seller didn’t issue a promised refund.

• The seller went bankrupt before delivery.

Is your situation not listed? Feel free to contact us through the app — we’ll look into it together.

Can’t resolve the issue with the seller? Contact us through the app or email us at support@insifr.com. We will ask you to provide:

• A description of the product or service, including the date, seller, and amount.

• Proof of damage or incorrect delivery.

• Proof of purchase.

• Evidence that you first tried to resolve the issue with the seller.

That depends on the seller — usually within 5 business days.

Always ask for a time estimate. If it takes longer than promised, wait an extra 1–2 days and follow up with the seller.
Still no refund? Then contact us through the app.

Card purchases
This means the bank is still processing the payment. It usually takes up to 7 business days.

Transfers
If there's no clear reason for the delay, please contact us through the app or give us a call.

Did you receive a suspicious message claiming to be from INSIFR? Report it immediately. This helps protect both you and others:

Unknown transaction
Block your card in the app: Cards → select the correct card → Block.

Unknown payment
Go to Payment history → tap Help → choose the appropriate option.

Suspicious transfer
Select the transaction → Help → Report as fraud.

Think you’ve been scammed?

• Stop all communication immediately.

• Contact us right away through the app.

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

When shopping online:

• Be cautious of offers that seem too good to be true.

• Never share PINs, passwords, or verification codes.

• Read reviews about the seller.

• Type website addresses manually—don’t click on unexpected links.

• Always log out after use.

• Use your payment card instead of making transfers.

• Carefully review every payment.

To keep your account secure:

• Keep your device up to date.

• Always log out after using our app.

• Lock your phone with a PIN and/or fingerprint.

• Only download apps from trusted sources.

• Use a strong password and change it regularly.

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

SCA (Strong Customer Authentication) is a security requirement for electronic payments. It requires at least two of the following forms of identification:

• Something you know (e.g. a password or PIN),

• Something you have (e.g. your phone),

• Something you are (e.g. fingerprint or facial recognition).

Please look at our complaints process found at this page.

Your complaint will be registered and assigned to a team member. You’ll receive an acknowledgment within two business days.

Simple complaints are resolved quickly, while more complex cases may take up to 15 business days. We’ll keep you informed throughout the process.

Open banking allows you to securely share your financial data with licensed third parties. This enables you to:

• Manage all your accounts in one place,

• Access personalized services,

• Enjoy greater transparency and control.

Yes. Your data is only shared with licensed parties that comply with strict regulations and data security standards.

A bank or third party may request access to your data through the app. You’ll always see which data is being requested, why it’s needed, and you must give explicit consent first.

The process is secure and handled via both our app and the third party’s app. You log in and give permission to share your data in a controlled and transparent way.

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

Payments
Third parties can initiate payments on your behalf.

Insight into financial data
Third parties can access your data (with your permission) to provide better, more tailored services.

We currently support:

• Card payments

• ATM withdrawals

• SEPA transfers

At this time, international payments, direct debits, recurring transfers, and CHAPS payments are not yet supported. We're working to make these features available in the future.

INSIFR is continuously expanding its user-friendly and reliable services.

International payments are not currently supported. We understand how important this feature is and are working hard to make it available with the launch of INSIFR 2.0. This will allow you to receive money from anywhere in the world in the future.

Make sure you have sufficient balance in your INSIFR account.

• Open the INSIFR app

• Select Send Money at the top

• Enter the recipient’s details and the amount

Still experiencing issues? Contact us through the app - we’re happy to help.

Limits may vary depending on the country and currency. In most cases, there are no restrictions.

Planning to transfer a large amount? We may need to carry out additional checks to ensure your security. In most cases, this process is just as smooth as with smaller transfers.

Open the INSIFR app and go to your Transaction History.

• Find the transfer you want to confirm.
• Tap the transaction and select Download.
• The confirmation will be downloaded in the language of your app.

Note: It’s not possible to download confirmations for failed transfers or joint accounts.

SEPA payments can take up to three business days.

First, check that the correct account details were entered. If the amount hasn’t arrived after three business days, ask the recipient to confirm whether the funds have been received.

If not, please contact us through the app - we’ll be happy to look into it for you.

Do you know the recipient? If so, try contacting them directly and politely ask for a refund.

If that doesn’t work, contact us through the app. We can initiate a recall request on your behalf.

Don’t know the recipient? We’re still happy to help.

Please note that this process may take time, could involve costs, and a full refund cannot be guaranteed.

Always be extra cautious when sending money to new recipients.

Be especially alert in the following situations:

• You're asked to pay immediately for items on platforms like Marktplaats or Instagram without a secure payment method such as PayPal.

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

• You're encouraged to invest in crypto through an unfamiliar account.

If something doesn’t feel right — stop, and contact us through the app. Your safety comes first.

Please note: Once a payment has been sent, we cannot guarantee that the full amount can be recovered.

Unfortunately, sent payments cannot be stopped.

Made a mistake? Contact the recipient immediately and ask for a refund.

If that doesn’t work, reach out to us via the app - we’ll gladly look into possible next steps with you.

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

Still haven’t received the money after that? Ask the sender to check if the details were entered correctly and, if needed, to contact their bank.

Of course, we’re also here to help if you have any further questions.

At the moment, you can only send payments in euros (EUR) with INSIFR.

However, you can make purchases in other currencies - for example, when shopping online or traveling. We're working on enabling multi-currency payments in the future to give you even more flexibility.

Our Shariah board, led by Mufti Faraz Adam, ensures that all our investments comply with Islamic principles. These independent experts advise us on Shariah standards, so you can be confident that your money is managed ethically and responsibly.

You can view the certificate on our legal page.

INSIFR is a financial services provider that puts the Islamic community at the center. We offer access to a modern, innovative payment system tailored to your everyday needs.

Through the INSIFR app, you can access an e-wallet and a Mastercard payment card. With INSIFR, you manage your finances in a way that aligns with your values and principles.

At INSIFR, it’s all about you. We offer:

• Riba-free financial services with secure, ethical investments

• Simple and user-friendly tools that anyone can understand

• Full transparency about where your money is and what fees apply

• Innovation through the latest technologies

• Active community engagement: we listen, support, and work with you toward your success

At INSIFR, we believe it’s essential to support the community in line with Islamic values. Our goal is to give everyone the opportunity to take control of their finances - without compromising their principles.

Traditional banks don’t always offer the right options or the transparency people need. We do things differently: we provide clear and Halal financial solutions.

By working closely with the community, we support local initiatives - helping people move forward, encouraging genuine engagement, and making a positive impact together.

INSIFR aims to operate on a global scale. Many of our partners and much of our network are based in the Dubai International Financial Centre (DIFC). This strategic location supports us in realizing our ambitions.

At the same time, as Dutch founders, we remain closely connected to our roots in the Netherlands.

We’re committed to developing more Islamic financial products - including a fully riba-free Halal mortgage.

We expect this mortgage to be available in 2027, allowing you to achieve your financial goals without compromising your Islamic values.

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

For entrepreneurs, we’re developing Islamic financing options such as Murabaha and Mudarabah, with a planned launch in 2027.

Our experts will guide you in choosing the solution that best supports your business - helping you succeed while staying true to your Islamic values.

INSIFR will partner with organizations that make a local social impact and have been verified by us.

Starting in 2026, you’ll be able to easily donate Zakat or Sadaqah to trusted Islamic charities directly from your INSIFR account. You can choose between a one-time or recurring donation - in line with your beliefs.