Halal savings account

With a riba-free savings account at INSIFR, you can grow your money safely and Halal. Our financial solutions meet all your requirements. We are always here for you, so you can achieve your goals with peace of mind.

Open your Halal personal account
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Transparent Islamic financial services

At INSIFR, we understand that you want to save riba-free, in line with your personal norms and values. So, with our solutions, you will make the most of your Halal savings in a convenient and innovative environment. There are no hidden surprises; your money is invested in ways that match your way of life.

Personalized savings goals

Set up separate savings targets for all of your needs, like a new car, or a vacation.

Always available

You have easy access to your accounts 24/7 and deposit or withdraw at your convenience.

Understanding the way you save

Receive a personalized overview of your savings data so you reach your goals faster and easier.

Halal

Save with confidence as your money is not invested in unethical sectors.

Safe

Your funds will be held in one or more segregated accounts and safeguarded in line with article 10B of the Financial Services Act.

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Financial services for private persons

We commit to make our services simple, transparent, and innovative.

Savings account

Let your money grow ethically with our riba-free savings account. You can rest assured that your savings are never invested in industries that are not aligned with your values. With an INSIFR account, you save with peace of mind.

Open your Halal personal account

€15 per month

€150 per year

Personal account

Includes

  • One Dutch IBAN account
  • One physical card (available soon)
  • One virtual card (available soon)
  • Free euro transactions
  • Customer support via app

€15 per month

€150 per year
Open your account

Organize your money matters in 3 easy steps

Are you ready to start saving the INSIFR way?

Follow these simple steps and open your personal account with INSIFR.

1
Enter your data
Enter your personal data for registration.
2
Choose your account
Choose the account you want to use to continue.
3
Start halal saving
Start and manage your finances immediately.
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Payments and savings

In 2025 we plan to expand our payment and riba-free savings products with the latest innovations. You will be able to manage your finances more easily and securely. Our solutions are designed to provide greater convenience and control, whether you are paying online or saving for the future. At INSIFR, you are at the center of all our financial decisions.

Smart investing

Expect products designed specifically for investing so you can grow your savings with attractive returns and manageable risks in 2026. Our investment options are flexible and transparent, allowing you to make informed decisions.

Transparent financing

Let us introduce you to our Islamic finance solutions in 2027. Whether you need a loan for your dream home or a new car, INSIFR will offer customized solutions suited to your financial situation. We care about you and your dreams and will offer advice and support in a way that feels right for you.

Frequently asked questions

What do you mean by an interest-free savings account at INSIFR? +

At INSIFR, you have a savings account without interest that is fully in line with Islamic principles. This means that your savings grow responsibly, without involvement in interest (riba).

How can I open an account for specific purposes? +

Follow these steps to open an account:

  1. Log in to your INSIFR account.
  2. Go to the 'Savings Pots' section and click on 'Create New Pot'.
  3. Enter your goal, such as 'New Car' or 'Vacation,' and set a savings goal.

Is my savings always accessible? +

Yes, you can access your money 24/7. This is how you access your halal savings:

  1. Log into your INSIFR account through our mobile or website app.
  2. Go to your savings account and choose "Withdraw" or "Deposit" to withdraw or add money at any time.

How can I analyze my savings behavior? +

To analyze your savings behavior:

  1. Log in to your INSIFR account.
  2. Go to the dashboard and select "Analyze Savings Behavior.
  3. View your personalized reports and charts to understand and adjust your savings behavior.

What will my money be invested in? +

Your savings will only be invested in ethical sectors that adhere to Islamic values. This means:

  1. You can view the list of approved sectors in your INSIFR account under "Investments.
  2. Check your investment reports regularly to see where your money is going.

Is my savings safe? +

Yes, your funds will be held in one or more segregated accounts and safeguarded in line with article 10B of the Financial Services Act.

How do I open an account with INSIFR? +

Follow these steps to open an account:

  1. Sign up through our mobile or website app by entering your personal information.
  2. Upload a photo of your ID for verification.
  3. Once approved, you can start saving immediately through your new account.

Why should I join the INSIFR community? +

INSIFR offers a digital financial experience that truly cares and aligns with your Islamic values. With a platform tailored to your needs and preferences, you grow with a community that shares your values.

Where can I download the INSIFR app? +

The app is available by searching for "INSIFR" in both the [App Store] and [Play Store].

Join our community

Switch to INSIFR and experience Islamic financial services that genuinely care about your needs. With our innovative and Halal approach, you'll have access to a digital platform tailored to your preferences.

 

Will you also become part of our community?

Join INSIFR!

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© INSIFR LTD 2025

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 INSIFR app.

INSIFR'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.

Whilst our products are not covered by the Depositor Compensation Scheme (DCS), your funds will be held in one or more segregated accounts and safeguarded in line with article 10B of the Financial Services Act.

INSIFR'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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