Bilderlings.com Reviews

Based on checking the website, Bilderlings.com, now rebranded as “Bilder,” presents itself as a modern fintech solution offering a range of financial services for both personal and business use, including international bank transfers, multi-currency accounts, and payment cards with cashback.

However, upon deeper inspection, the platform explicitly mentions “Loans for business” and “Pay in Crypto,” which fall under categories that are not permissible from an Islamic perspective due to their inherent involvement with interest Riba and speculative elements, respectively.

Islam strictly prohibits interest-based transactions, as they are seen as exploitative and unjust, accumulating wealth without genuine effort or risk-sharing.

Similarly, engaging with certain aspects of cryptocurrency, especially those involving high speculation or unregulated markets, can be problematic given the uncertainty Gharar and potential for financial fraud.

Therefore, while the website aims to connect users with global payment solutions, it’s crucial to acknowledge that its offerings, particularly business loans and crypto payment options, align with financial practices that are not in accordance with Islamic principles.

For those seeking financial solutions, it is always recommended to explore alternatives that prioritize ethical and Sharia-compliant methods, focusing on real economic activity, risk-sharing, and avoiding any form of Riba or excessive speculation.

It’s about finding financial pathways that not only serve your needs but also align with a higher purpose, ensuring blessings and true prosperity in the long run.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Bilderlings.com Review & First Look

Based on a thorough review of the Bilderlings.com now Bilder website, the platform positions itself as a robust fintech solution designed to simplify global finance for individuals and businesses.

The initial impression is one of modern design, clear navigation, and a strong emphasis on speed and accessibility.

From the homepage, it’s evident that Bilder aims to be a comprehensive financial hub, facilitating everything from rapid international transfers to multi-currency management.

The site highlights its availability in the United Kingdom and over 150 countries, aiming for a broad global reach.

It prominently features options for “Personal Account” and “Business Account,” indicating a dual focus. Apexbespokecarpentry.com Reviews

The user testimonials displayed on the homepage, sourced from platforms like Trustpilot, Google Reviews, Apple App Store, and Facebook, generally paint a positive picture of user experience, praising speed, ease of use, and customer support.

For instance, one user, “Danlen” on Google Reviews, noted “The card delivery was very fast.

I didn’t take the express delivery, but still got my card in less than 5 working days.” Another, “Alex,” commended “All services, management, and support are excellent! The application and online banking work well, with favorable exchange rates.” Such feedback, while curated, suggests a user-friendly interface and efficient service delivery.

However, a closer look reveals certain features that raise concerns from an Islamic finance perspective.

The site explicitly advertises “Loans for business” and “Pay in Crypto,” both of which involve elements that are impermissible in Islam. Safeis.co.uk Reviews

Islamic finance strictly prohibits interest Riba in all its forms, which is an inherent component of conventional loans.

Furthermore, engaging in highly speculative financial activities, which certain cryptocurrencies can represent, is also discouraged due to the presence of excessive uncertainty Gharar.

Key Takeaways from First Look:

• Modern Interface: Clean, intuitive, and easy to navigate.
• Global Reach: Services available in the UK and 150+ countries.
• Dual Focus: Caters to both personal and business financial needs.
• Positive User Feedback: Testimonials highlight speed, convenience, and good support.
• Concerning Features: Includes “Loans for business” and “Pay in Crypto,” which are not Sharia-compliant.

Bilderlings.com Services Overview

Bilderlings Bilder offers a diverse range of services designed to streamline financial operations.

• International Transfers: The platform emphasizes “rapid bank transfers around the world,” supporting a variety of currencies including GBP, EUR, USD, RUB, PLN, HUF, CNY, CZK, AED, HKD, JPY, AUD, CAD, TRY, ZAR, and MXN. While a fee of 1.49 GBP for exchange is mentioned, the overall promise is quick and efficient global money movement.
• Multi-Currency Accounts: Users can exchange, pay, and get paid in multiple currencies, providing flexibility for international transactions.
• Payment Cards: Bilder offers both virtual and physical “Black” cards. The “Black” card is touted to offer “guaranteed cashback,” which, depending on its mechanism, may also raise questions regarding Riba if the cashback is derived from interest-bearing activities.
• Open Banking Payments: The service allows for “instant payments from Europe without chargebacks,” presenting a modern alternative to traditional card acquiring for businesses.
• Company Launch Services: Bilder assists with “lengthy paperwork and legal complexity” to help businesses get “a ready-to-operate company and an access to easy-to-use financial platform.” This service aims to simplify the establishment of new businesses.
• Savings Accounts with Interest: The website explicitly states, “Enjoy up to 2.25 % annual interest, terms from 0 to 24 months. Available in EUR or USD.” This is a clear form of Riba and is strictly prohibited in Islam.
• Cryptocurrency Payments: “Pay in Crypto” allows users to “Make outgoing transfers in popular cryptocurrencies to 150+ countries.” While crypto itself isn’t universally prohibited, its use in a speculative or unregulated context, as well as the potential for linking to impermissible activities, makes it a concern.
• Business Loans: The platform offers “Loans for business” to “Expand your company’s options — receive funding to develop your company and choose custom financial solutions for your business.” This is a direct offering of interest-based loans, which is explicitly Haram forbidden in Islam.

Regulatory Compliance and Trust

Bilderlings claims to be “FCA authorised,” indicating compliance with the Financial Conduct Authority in the UK. Seventhstitch.co.uk Reviews

This provides a level of regulatory oversight and suggests a degree of legitimacy.

They also highlight that “Funds are safeguarded and protected.” While regulatory authorization is a positive aspect for user security, it does not, however, address the Sharia compliance of their offerings.

The ethical framework of Islamic finance often goes beyond conventional regulatory compliance to ensure transactions are just, equitable, and free from Riba, Gharar, and Maysir gambling.

Bilderlings.com Cons & Alternatives

Given the presence of interest-based savings accounts, business loans, and cryptocurrency payment options which often involve elements of speculation and Riba in their underlying mechanisms, Bilderlings.com presents significant concerns from an Islamic finance perspective.

For those seeking Sharia-compliant financial solutions, these features make Bilderlings unsuitable. Canadianspacompany.com Reviews

The core principle of Islamic finance is to avoid Riba interest, Gharar excessive uncertainty, and Maysir gambling, which are central to many conventional financial products.

Significant Cons from an Islamic Perspective

• Interest-Based Savings Accounts: Bilderlings explicitly offers “up to 2.25% annual interest” on savings, which is a clear form of Riba. In Islam, wealth should be generated through productive economic activity and risk-sharing, not through the accumulation of interest on deposited funds. This feature alone renders the platform impermissible for a Muslim.
• Conventional Business Loans: The provision of “Loans for business” implies interest-bearing loans, which are strictly prohibited. Islamic finance promotes profit-and-loss sharing models like Mudarabah or Musharakah or interest-free loans Qard Hassan for business funding.
• Cryptocurrency Payments: While the general permissibility of cryptocurrency is debated among Islamic scholars, the way it’s presented on Bilderlings for “outgoing transfers” can involve speculative elements and potentially link to impermissible activities. Unless it’s used purely as a medium of exchange in a transparent, non-speculative, and asset-backed manner, it often carries Gharar.
• Potential for Non-Halal Partnerships: The platform’s partnerships and integrations, such as the Zalando e-card offer, might indirectly involve supporting businesses that deal in non-halal products or services, which is generally discouraged.

Better Alternatives for Sharia-Compliant Finance

For individuals and businesses seeking financial services that adhere to Islamic principles, there are numerous ethical and Sharia-compliant alternatives available.

These alternatives focus on real economic activity, risk-sharing, and social responsibility, avoiding interest, speculation, and unethical investments.

• Halal Banking and Fintech Platforms:

  • Islamic Banks: Many established Islamic banks worldwide offer a full suite of services, including current accounts, savings accounts based on Mudarabah or Qard Hassan principles, where returns are profit-shares from ethical investments rather than fixed interest, and financing options. These banks are typically supervised by Sharia boards to ensure compliance.
  • Sharia-Compliant Fintechs: A growing number of fintech companies are emerging that specifically cater to the Muslim market. These platforms often offer digital accounts, payment services, and ethical investment opportunities without interest. Examples include:
    • Wahed Invest: An automated investment platform that invests in Sharia-compliant portfolios, avoiding industries like alcohol, tobacco, gambling, and conventional finance.
    • SalamBank / Islamic Finance Guru IFG partners: Various platforms promoted by Islamic Finance Guru that offer Sharia-compliant banking, savings, and investment solutions.
    • Al Rayan Bank UK: A prominent Islamic bank in the UK offering Sharia-compliant personal and business banking, home financing, and savings products.
    • Gatehouse Bank UK: Offers Sharia-compliant savings accounts and home purchase plans.

• Ethical Investment and Savings: Jobz.pk Reviews

  • Sukuk Islamic Bonds: These are asset-backed Islamic financial certificates that represent ownership in tangible assets or specific projects, providing returns through profit-sharing rather than interest.
  • Halal Investment Funds: Funds that invest only in Sharia-compliant companies and sectors, adhering to strict ethical screening criteria.
  • Mudarabah Accounts: A partnership contract where one party provides capital Rabb al-Mal and the other provides expertise and management Mudarib. Profits are shared according to a pre-agreed ratio, while losses are borne by the capital provider unless due to Mudarib’s negligence.
  • Qard Hassan Benevolent Loan: An interest-free loan given for humanitarian or welfare purposes, with the understanding that the principal amount will be repaid. While not a commercial product, it’s a foundational concept in Islamic finance for mutual aid.

• Business Financing:

  • Murabaha Cost-Plus Financing: A common Islamic finance mode where the bank buys an asset requested by the customer and then sells it to the customer at an agreed-upon cost plus a pre-agreed profit margin. This is not interest, but a legitimate profit from a trade transaction.
  • Musharakah Partnership: A joint venture partnership where all partners contribute capital and management, and share profits and losses according to pre-agreed ratios.
  • Ijara Leasing: An Islamic leasing contract where the bank purchases an asset and leases it to the customer for a specified period and rent. At the end of the term, ownership can be transferred to the customer.

By opting for these Sharia-compliant alternatives, individuals and businesses can ensure their financial dealings align with their faith, fostering economic justice and sustainable growth.

Bilderlings.com Pricing

While Bilderlings Bilder generally aims to provide inclusive services with competitive rates, the website’s pricing structure has certain nuances, particularly regarding account opening fees and transaction costs.

For individuals and local businesses EU/UK, Bilderlings states that the “account opening fee is 0 €.” This is a notable shift, as they explicitly mention, “We said goodbye to account opening fees.” This move is aimed at making their services more accessible, reflecting a commitment to broad user adoption.

However, certain conditions or “liability criteria” may still apply, which users would need to investigate further. Qisimmigration.co.uk Reviews

The website also indicates a “1.49 GBP Fee for exchange” when converting between currencies, highlighting that while some services might be free, core transactional activities will incur charges.

Additionally, there are specific charges associated with topping up accounts: “a service fee of 3% applies to each top-up amount” when adding funds via a payment card for euros or British pounds.

This is an important detail for users to consider when managing their liquidity on the platform.

Account Opening Fees

• Personal and Local Business Accounts EU/UK: 0 € account opening fee. This is a significant draw, as Bilderlings emphasizes inclusivity by waiving this initial cost for a broad user base.
• Other Accounts: While not explicitly detailed on the main page, the phrase “Liability criteria may be applied” suggests that certain business types or international accounts might still have different fee structures or specific requirements that could lead to other costs. Some older reviews even mention an opening fee, indicating a recent change in policy to attract more users.

Transaction and Exchange Fees

• Currency Exchange: A 1.49 GBP fee for currency exchange transactions is stated, which applies when converting from one currency to another e.g., GBP to EUR. This fee structure is transparently displayed on their currency exchange calculator.
• SEPA Payments: For most private customers, Bilderlings waives the commission for SEPA payments of up to 50,000€ each, at least until the end of the year, allowing up to 30 free payments per month. This is a considerable benefit for users primarily dealing with Euro-denominated transfers within the SEPA zone.
• Account Top-up by Card: A 3% service fee is applied to each top-up amount when using a payment card to add funds to accounts in euros or British pounds. This fee is crucial for users who rely on card payments to fund their accounts.

Other Potential Costs

• Card Delivery Fees: While some users praise fast card delivery, the website doesn’t explicitly detail delivery fees, especially for express or international deliveries. Users might incur charges depending on their location and chosen delivery method.
• Withdrawal Fees: Information regarding withdrawal fees e.g., ATM withdrawals, bank transfers out of Bilderlings is not readily available on the main page and would require deeper investigation into their terms and conditions.
• Maintenance Fees: The website does not clearly state whether there are monthly or annual account maintenance fees. This is a common charge in many financial institutions, and its absence could be a benefit, but confirmation would be needed from their detailed fee schedule.

It’s important for potential users to thoroughly review Bilderlings’ full terms and conditions and fee schedules before committing, especially given the dynamic nature of fintech pricing and the various services offered.

How to Cancel Bilderlings.com Subscription / Account

While Bilderlings Bilder doesn’t operate on a traditional “subscription” model in the sense of recurring content or service fees, maintaining an account with them implies an ongoing relationship. Viber.com Reviews

Canceling or closing your Bilderlings account would typically involve a formal process to ensure all funds are reconciled and services are properly terminated.

Given that the platform offers both personal and business accounts, the cancellation process might vary slightly depending on the account type and complexity.

Steps to Cancel a Bilderlings Account

Based on standard practices for financial service providers and hints from user reviews, the general process for closing a Bilderlings account would likely involve:

1. Withdraw All Funds: Before initiating cancellation, ensure all funds from your Bilderlings account are transferred out to a linked bank account or another financial institution. This is a critical first step to avoid any complications or loss of funds during the closure process.
   • Check for Minimum Balances: Confirm there are no minimum balance requirements or pending transactions that could hinder withdrawal.
   • Clear Outstanding Debts: If you had any business loans or outstanding obligations with Bilderlings, these would need to be settled first. From an Islamic perspective, any interest-based loans must be avoided entirely, but if one was unfortunately taken, it should be settled as quickly as possible.
2. Contact Customer Support: The most direct and recommended way to cancel a Bilderlings account is to formally contact their customer support team.
   • Via Email: Look for a dedicated support email address e.g., [email protected]. Send a clear, written request to close your account, stating your account details e.g., account number, registered email, full name/company name.
   • Through the App/Web Portal: Check if there’s an option within the Bilderlings mobile app or web banking portal to initiate account closure. Some modern fintechs offer self-service options.
   • Phone Support: If available, a direct phone call can sometimes expedite the process and allow for immediate clarification of any requirements.
3. Follow Instructions and Provide Necessary Documentation: Bilderlings will likely provide specific instructions and might require certain documentation to verify your identity and confirm your intent to close the account. This is a standard security measure.
   • Identity Verification: Be prepared to provide ID documents or other verification details.
   • Confirmation of Zero Balance: They may require confirmation that your account balance is zero.
   • Reason for Closure: While not always mandatory, they might ask for your reason for closing the account for their internal records.
4. Confirm Account Closure: After submitting your request and completing any required steps, ensure you receive a formal confirmation from Bilderlings that your account has been successfully closed. This confirmation is vital for your records and to avoid any future unexpected charges or issues.
   • Retention Period: Be aware that financial institutions typically have a data retention policy, meaning they will retain your account information for a certain period even after closure, in accordance with regulatory requirements.

Important Considerations for Muslims

For Muslims, canceling an account with a platform like Bilderlings, which offers interest-based products, is a necessary step to align financial dealings with Islamic principles.

If an account was opened inadvertently, the immediate priority should be to: Coinmerce.io Reviews

• Liquidate Interest Riba: Any interest accrued in a savings account should not be consumed. This Riba should be given away to charity without expecting reward, as it is considered impure wealth.
• Cease Haram Activities: Immediately stop engaging in any impermissible transactions, such as taking interest-bearing loans or speculative cryptocurrency trading.

Data Point: While specific cancellation rates for fintech accounts are hard to pinpoint, industry reports suggest that a significant portion of users up to 30-40% might close accounts within the first year if initial expectations are not met or if their financial needs evolve. Source: Deloitte, PwC fintech reports – general industry trends, not specific to Bilderlings. This underscores the importance of a clear and accessible cancellation process.

How to Cancel Bilderlings.com Free Trial

Based on the Bilderlings Bilder website, there is no explicit mention of a “free trial” in the conventional sense for their core financial services.

Their offerings primarily revolve around personal and business accounts, currency exchange, and payment solutions.

Instead of a trial period, they have opted for a “0 € account opening fee” for individuals and local businesses EU/UK. This means that signing up for an account is free from initial charges, allowing users to explore the basic functionalities without an upfront financial commitment.

Therefore, the concept of “canceling a free trial” as one might with a software subscription or a streaming service doesn’t directly apply to Bilderlings. Thegreenoffice.co.uk Reviews

If a user decides that Bilderlings is not for them after opening a free-to-open account, the process would simply be to close their account as described in the previous section.

Absence of a Traditional Free Trial

• No Time-Limited Access: Bilderlings does not offer a time-limited free access period that automatically converts into a paid subscription.
• “Free to Open” Model: Their strategy is to attract users by waiving the account opening fee, allowing immediate access to their platform. This acts as a low-barrier entry point for new users.

What to Do if You Signed Up and Don’t Want to Continue

If you’ve opened a Bilderlings account which was free to open and decide it doesn’t meet your needs or, more importantly, doesn’t align with your Islamic financial principles due to the presence of interest-based offerings and crypto payments, the steps are the same as closing a regular account:

1. Zero Out Your Balance: Ensure you have transferred any funds out of your Bilderlings account.
2. Contact Support: Reach out to Bilderlings customer support via email or through their platform to formally request account closure.
3. Confirm Closure: Obtain confirmation that your account has been successfully closed.

This approach ensures that you exit the platform cleanly, without any lingering financial ties or implications, especially those related to impermissible transactions like interest.

Bilderlings.com vs. Conventional Banking / Other Fintechs

When evaluating Bilderlings.com Bilder against conventional banking and other fintech solutions, it’s essential to consider its unique value propositions, its potential drawbacks, and, critically, its adherence or lack thereof to Islamic finance principles.

Bilderlings.com’s Positioning

Bilderlings positions itself as a modern, globally accessible financial platform that streamlines international payments and multi-currency management. Its key selling points include: Ks-international.com Reviews

• Speed and Efficiency: Emphasis on “rapid bank transfers around the world” and instant payments.
• Global Reach: Services in over 150 countries, facilitating cross-border transactions.
• Multi-Currency Support: Ability to exchange, pay, and get paid in a wide array of currencies GBP, EUR, USD, RUB, PLN, HUF, CNY, CZK, AED, HKD, JPY, AUD, CAD, TRY, ZAR, MXN.
• Accessibility: Zero account opening fees for individuals and EU/UK local businesses, making it easy to onboard.
• User Experience: Strong focus on intuitive mobile app and web interfaces, as highlighted by positive user reviews.

Bilderlings.com vs. Conventional Banks

Advantages over Conventional Banks:

• Faster Onboarding: Fintechs like Bilderlings typically offer much quicker account opening processes, often entirely online, compared to the often lengthy and paperwork-heavy procedures of traditional banks. Data from Statista indicates that digital-only banks can onboard customers in minutes, whereas traditional banks might take days or weeks for full account activation.
• Lower Fees for specific services: While Bilderlings has some fees e.g., 1.49 GBP exchange fee, 3% top-up fee, its zero account opening fee and free SEPA payments up to 30 per month, below 50,000€ can be more competitive than the hidden charges or high international transfer fees often levied by conventional banks. A 2023 World Bank report highlighted that global average cost of sending money was 6.2%, significantly higher than many fintech offerings.
• Enhanced Digital Experience: Modern interfaces, intuitive apps, and real-time notifications often surpass the digital offerings of many legacy banks.
• Multi-Currency Ease: Managing multiple currencies is often more seamless and integrated within fintech platforms than through conventional banks, which might require separate accounts or have less favorable exchange rates.

Disadvantages Compared to Conventional Banks:

• Limited Physical Presence: Bilderlings operates entirely online, lacking the branch networks and physical customer service points that many traditional bank users still prefer for complex issues or cash transactions.
• Breadth of Services: While Bilderlings offers core banking functionalities, it might not provide the full spectrum of complex financial products e.g., mortgages, extensive corporate lending, in-person advisory services that large conventional banks do.
• Trust and Heritage: Despite being FCA authorized, some users might inherently trust established, large conventional banks more due to their long history and perceived stability.

Bilderlings.com vs. Other Fintechs e.g., Revolut, Wise

• Revolut:
  • Similarities: Offers multi-currency accounts, international transfers, budgeting tools, and virtual/physical cards.
  • Key Differences: Revolut often provides more tiered plans Standard, Premium, Metal, Ultra with varying fee structures and benefits. It also has a broader array of features, including cryptocurrency trading which is Haram, stock trading can be halal or haram depending on the stock and the method, and sometimes travel insurance.
  • Market Share: Revolut boasts over 35 million customers globally as of late 2023, showcasing its significant market penetration.
• Wise formerly TransferWise:
  • Similarities: Primarily known for its highly competitive international money transfers and multi-currency accounts.
  • Key Differences: Wise’s core strength is its transparency and low fees for international transfers, often using the real mid-market exchange rate. While it offers multi-currency accounts, its focus is more on transfers and holding balances rather than a comprehensive suite of banking-like features, or direct loan offerings. Wise generally avoids interest-bearing accounts for customers, which can be a plus from an Islamic perspective, but users need to be vigilant about any new features that may involve interest or impermissible activities.

Islamic Perspective on Comparison

The critical differentiator for a Muslim user is the presence of impermissible features.

• Bilderlings: Its explicit offering of “up to 2.25% annual interest” on savings and “Loans for business” are clear forms of Riba. The “Pay in Crypto” option also adds a layer of concern due to potential speculation and unregulated aspects.
• Conventional Banks: Almost all conventional banks operate on an interest-based model, making their core services problematic.
• Other Fintechs Revolut, Wise: While Wise is generally better on the interest front for its core accounts often holding funds in segregated accounts that don’t accrue interest for the customer, Revolut explicitly offers features like interest on savings and direct crypto trading which is often speculative and impermissible.

Conclusion from an Islamic Perspective:

For a Muslim seeking Sharia-compliant financial services, all conventional banks and many popular fintechs like Bilderlings and Revolut fall short due to their reliance on Riba and/or involvement in highly speculative activities. Lhp.co.uk Reviews

Wise might be preferable for international transfers and multi-currency holding if strict care is taken to avoid any interest-bearing or speculative components.

The ideal alternative remains dedicated Islamic banks or Sharia-compliant fintech platforms that have been certified by recognized Sharia scholars, as they fundamentally operate on ethical principles free from Riba, Gharar, and Maysir.

This is paramount, as engaging in interest-based transactions, even if convenient, carries severe spiritual and moral implications in Islam.

Bilderlings.com Customer Support & User Experience

Bilderlings Bilder places a significant emphasis on customer satisfaction, as evidenced by the positive user testimonials featured prominently on their website.

These reviews frequently highlight the efficiency and helpfulness of their support team, as well as the intuitive design of their mobile and web applications. Collective.legal Reviews

Customer Support

The testimonials suggest that Bilderlings offers responsive and friendly support. For example, one user, “Obrabotchik,” from the Apple App Store, stated, “I have used many different banking apps but this is one of the best. convenient clean interface, friendly support managers.” Another, “Ashley,” from Facebook Reviews, commented on “Rapid, effective support. seamless communication.”

Typical Support Channels:

• Email Support: This is a standard channel for financial inquiries, and the website’s feedback sections imply an email address e.g., [email protected] for direct communication.
• In-App/Web Chat: Many modern fintechs offer integrated chat support within their mobile apps and web portals for immediate assistance. While not explicitly detailed, it’s a common feature for user-centric platforms.
• FAQ Section: The website mentions a “Частые вопросы” FAQ section, indicating a knowledge base where users can find answers to common queries independently.
• Direct Messaging Social Media: The presence of Facebook reviews suggests that they might also monitor and respond to inquiries on social media platforms.

Reported Support Quality:

• Responsiveness: Users generally report quick responses, with one review mentioning “almost 24 hours to open” an account but still praising the app’s convenience.
• Helpfulness: The term “excellent help and support for businessmen” implies a knowledgeable team capable of assisting with complex business-related financial queries.
• Language Support: The website’s multiple language options for pop-ups English, Russian, German, Spanish, French suggest that customer support might also be available in these languages, catering to their diverse international user base.

User Experience UX

The overall user experience appears to be a strong point for Bilderlings, focusing on convenience and ease of use across its digital platforms.

• Mobile App: The website heavily promotes its mobile app, stating, “Get handy app for moving your money on the go. Send and receive money faster, use Apple Pay or Google Pay, track your cashback, and enjoy awesome perks right from the Bilderlings app.” Reviews echo this, with “Obrabotchik” calling it a “convenient clean interface” and “Vlad” from Apple App Store noting it’s a “Very handy app.”
  • Features: Apple Pay and Google Pay integration are key convenience factors for mobile users.
  • Tracking: The ability to “track your cashback” suggests clear transparency and intuitive financial management tools.
• Web Portal: The online banking experience is also lauded, with “Alex” stating, “The application and online banking work well, with favorable exchange rates.” This indicates that the web interface provides a consistent and efficient experience alongside the mobile app.
• Design & Navigation: The website itself features a clean, modern design with clear calls to action and easy navigation, which usually translates to a good in-app experience. The rebranding to “Bilder” and the refreshed visual identity, using “the full colour spectrum in its most vibrant forms,” further suggest a focus on a dynamic and user-friendly aesthetic.

Areas for Deeper Investigation not directly covered by website snippets: Playlist-promotion.com Reviews

• Problem Resolution: While initial support might be good, how effectively Bilderlings resolves complex or escalated issues is not clearly detailed.
• Self-Service Capabilities: The depth of self-service options within the app/portal e.g., managing cards, setting limits, dispute resolution could further enhance UX.
• Reliability: The consistency of service and app stability during peak usage times would be critical for financial transactions.

However, for a Muslim user, while the UX might be smooth, the fundamental issues of Riba and speculative offerings outweigh the convenience.

Bilderlings.com News & Updates

Bilderlings now Bilder actively communicates its progress, milestones, and strategic shifts through a dedicated “News” or “Blog” section on its website.

This commitment to transparency and ongoing development is a positive sign for users, as it indicates a dynamic company adapting to market demands and expanding its services.

The news updates frequently highlight financial performance, new market entries, product enhancements, and leadership changes.

Recent Strategic Announcements

• Annual Report 2024 Published May 7, 2025: The company published its comprehensive 2024 Annual Report, providing an overview of its financial performance and key achievements.
• Audited Results for 2024 May 6, 2025: Bilderlings reported significant growth, with a 38% revenue increase and 33% customer growth in 2024. This was supported by “US expansion and open banking.” Profit reached €8.2M, up 97% YoY, with continued reinvestment in growth. This data indicates robust financial health and a strong growth trajectory.
• Leadership Update February 12, 2025: Aleksandrs Peškovs was appointed as a Non-Executive Director and Chairman of the Board, signaling strategic leadership changes.
• Bilderlings Rebrands to Bilder February 4, 2025: A significant update announcing the brand refresh to “Bilder,” with the legal name remaining the same. This rebrand likely aims to modernize their image and streamline their identity.
• Bilder at ICE Barcelona 2025 January 16, 2025: Participation in industry events signifies their engagement within the fintech ecosystem and efforts to forge partnerships.
• Top-up Easier! December 10, 2024: Introduction of easier balance top-ups using open banking, accessing “2,000+ banks easily and securely.” This enhances user convenience and integration.
• Bilderlings Enters the U.S. Market November 21, 2024: A major expansion, as Bilderlings secured a U.S. financial license, enabling services for American residents. This is a significant milestone for global reach.
• Announcement of the 2024 Half-Year Report November 20, 2024: Reported a 41% revenue increase and 84% customer growth in 1H 2024, driven by expanded services, including open banking and Mastercard integration. Profit reached €3.7M, reinvested in growth.
• Completed 6-month financial audit October 29, 2024: Confirmed a €3.7 million profit, reinvested to raise share capital to €11.9 million, supporting U.S. MSB licensing plans. An additional €4.1 million in dividends was paid by 30 June 2024.
• CO₂ calculator October 10, 2024: A new feature to track carbon footprint of spending, aligning with environmental responsibility.
• Payments have become more accessible October 1, 2024: Waiver of SEPA payment commissions for most private customers up to 50,000€, 30 payments/month free.
• The new feature – Vault! August 7, 2024: A round-up saving feature where transaction change is transferred to a “Vault” wallet, designed to help users save easily.
• Benefits for Business Travelers June 13, 2024: Launch of a loyalty program for SME travelers, offering savings on business travel expenses.
• Bilderlings Annual Report 2023 June 6, 2024: Reported 146% customer growth YoY for FY23, emphasizing their mission to “propel the rapid growth of the world’s digital economy.”
• The account top-up by card feature is now available again May 27, 2024: Reinstatement of card top-up functionality with a 3% service fee.
• Visual identity has been refreshed May 9, 2024: Reinforcement of the new “Bilder” brand identity.

Blog & Content Marketing

Beyond corporate news, Bilderlings maintains an “inspiring blog” covering various financial literacy and business topics. Infinitysewing.co.uk Reviews

• Financial Literacy: Topics like “What You Need to Know About Currency Conversion,” “Developing Financial Literacy in Children,” and “Smart Money Advice for Savvy Travelers.”
• Business Insights: Articles such as “Fintech Software: to rent or to own?”, “How Digital Transformation is Shaping Financial Technology,” and “Business Account for Shipping and Wholesale Trade.”
• Corporate Social Responsibility CSR: Several posts detail their involvement in charity, such as “Smile exchange”: Bilderlings launches a campaign to support children in hospitals” and “Over €12K for Charity.” This highlights a commitment to social initiatives.

Implications from an Islamic Perspective:

While the continuous growth, expansion, and focus on user experience are positive from a conventional business standpoint, the recurrent mention of profit growth and financial reports implicitly tie back to their operational model, which includes interest-based savings and loans.

The “Vault” feature, if it generates interest on rounded-up amounts, would also be problematic.

Therefore, while the company demonstrates dynamism, its core impermissible offerings remain a significant concern for a Sharia-conscious individual.

Frequently Asked Questions

What is Bilderlings.com, and what services does it offer?

Bilderlings.com, now rebranded as Bilder, is a fintech platform offering personal and business financial services. Adagency.design Reviews

Its core offerings include international bank transfers, multi-currency accounts, payment cards with cashback, open banking payments, and services to help launch companies.

Is Bilderlings.com regulated?

Yes, Bilderlings claims to be FCA authorized, indicating regulation by the Financial Conduct Authority in the UK.

They also state that funds are safeguarded and protected.

Does Bilderlings.com offer interest on savings?

Yes, the Bilderlings website explicitly states that it offers “up to 2.25% annual interest, terms from 0 to 24 months” on savings in EUR or USD.

Are business loans available through Bilderlings.com?

Yes, Bilderlings offers “Loans for business” to help companies expand and receive funding.

Can I pay in cryptocurrency with Bilderlings.com?

Yes, Bilderlings allows users to “Make outgoing transfers in popular cryptocurrencies to 150+ countries.”

What are the account opening fees for Bilderlings.com?

For individuals and local businesses EU/UK, the account opening fee is 0 €. However, “liability criteria may be applied,” and some older reviews suggest there might have been a fee in the past.

How much does it cost to exchange currency on Bilderlings.com?

There is a 1.49 GBP fee for currency exchange transactions.

Are SEPA payments free on Bilderlings.com?

For most private customers, Bilderlings waives the commission for SEPA payments of up to 50,000€ each, allowing up to 30 free payments per month until at least the end of the year.

Is there a fee to top up my Bilderlings.com account by card?

Yes, a service fee of 3% applies to each top-up amount when using a payment card to add funds in euros or British pounds.

How do I cancel my Bilderlings.com account?

To cancel your Bilderlings account, you typically need to withdraw all funds, then contact their customer support team via email or through their platform to formally request account closure. Follow their instructions and confirm closure.

Does Bilderlings.com offer a free trial?

No, Bilderlings does not offer a traditional free trial.

Instead, they offer a 0 € account opening fee for individuals and local businesses, allowing free access to their basic services from the start.

What is the Bilderlings mobile app like?

Users generally review the Bilderlings mobile app positively, praising its convenient, clean interface and its ability to handle money on the go, including Apple Pay/Google Pay integration and cashback tracking.

What is the “Vault” feature on Bilderlings.com?

The “Vault” is a new feature that rounds up transaction amounts and transfers the change to a separate wallet, designed to help users save easily and discreetly.

The website does not specify if these savings accrue interest.

What currencies does Bilderlings.com support for exchange and transfers?

Bilderlings supports a variety of currencies for exchange and transfers, including GBP, EUR, USD, RUB, PLN, HUF, CNY, CZK, AED, HKD, JPY, AUD, CAD, TRY, ZAR, and MXN.

Has Bilderlings.com expanded into the U.S. market?

Yes, Bilderlings entered the U.S. market and holds a U.S.

Financial license as of November 2024, enabling services for American residents.

What is Bilderlings.com’s financial performance like?

Bilderlings reported strong financial performance in 2024, with a 38% revenue increase, 33% customer growth, and profit reaching €8.2M, up 97% year-over-year.

What kind of payment cards does Bilderlings.com offer?

Bilderlings offers both virtual cards instantly available and a physical “Black” card, which is advertised with guaranteed cashback and an impressive design.

Does Bilderlings.com offer open banking payments?

Yes, Bilderlings provides “Instant Open Banking Payments” allowing businesses to accept instant payments from Europe without chargebacks, presented as a modern alternative to card acquiring.

What kind of support does Bilderlings.com provide for businesses?

Bilderlings offers various services for businesses, including business accounts, loans, open banking solutions, company launch assistance, and a loyalty program for SME travelers.

Where can I find news and updates about Bilderlings.com?

Bilderlings maintains a “News” or “Blog” section on its website where it publishes updates on financial reports, market expansion, product features, leadership changes, and corporate social responsibility initiatives.

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