Security & protection

Your money, protected

Every SDB Wallet account runs on the same security infrastructure trusted by Europe's largest banks. Military-grade encryption, real-time monitoring, full GDPR and PCI DSS compliance.

Security in numbers

256bit
AES encryption — military grade
24/7
AI monitoring of every transaction
<1min
Average card-freeze time on report
6certs
European certifications & licenses
How we protect you

Four layers of security working in the background

Every transaction passes through multiple checks before it executes.

01

Identity & access

Biometric authentication (Face ID / fingerprint) + auto-lock + 2FA on every sensitive operation. Your account is bound to your registered device.

  • Face ID and fingerprint
  • Auto-lock on idle
  • TOTP / SMS OTP for sensitive ops
  • Real-time alerts on any login attempt
02

Data encryption

All data encrypted with AES-256 at rest and TLS 1.3 in transit. Encryption keys stored in FIPS 140-2 certified Hardware Security Modules.

  • AES-256 at rest
  • TLS 1.3 for every connection
  • Keys in FIPS 140-2 HSM
  • Periodic key rotation
03

Card protection

Dynamic CVV refreshes every 60 minutes, 3D Secure 2 on every online transaction, instant freeze, and purchase protection up to €10,000.

  • Dynamic CVV (rotates hourly)
  • 3D Secure 2 on every online tx
  • Instant freeze/unfreeze in app
  • Purchase protection up to €10,000
04

AI fraud detection

Our system analyses every transaction in real time against your usual pattern. Suspicious behaviour is blocked automatically before it executes.

  • Real-time analysis 24/7
  • ML model trained on your pattern
  • Automatic block on anomaly
  • Instant push + SMS alert
Certifications & licenses

Built on global security standards

Licensed financial partners
Financial services are provided through licensed partners
GDPR compliant
Personal data protected under EU standards
PCI DSS at our card partner
Card data is processed at a PCI DSS compliant partner
ISO 27001 data centres
Our servers are hosted in certified data centres
Mastercard network
Our cards are issued on the Mastercard network through an issuing partner
AML / KYC compliant
Anti-money-laundering & terror financing

Tips from the security team

01

We will never ask for your password

Not by phone, not by email, not over WhatsApp. Any such request is a scam.

02

Enable notifications

A push for every transaction lets you spot anything suspicious within seconds.

03

Keep the app updated

Every release ships security improvements. Keep auto-updates on.

04

Use a trusted network

Avoid financial operations on public Wi-Fi without a VPN.

Open an account you can trust

The same protection that powers Europe's biggest banks — without the branches and the friction.

We respect your privacy

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