As we know, Banks are crucial in managing the finances of individuals and businesses in the UAE. Dubai Islamic Bank is the first prominent Islamic which offers an extensive range of banking services that follow Islamic principles. Moreover, it was founded in 1975 and offers Sharia-compliant banking in different cities of this lovely country. The commitment of Dubai Islamic Bank to customer satisfaction and digital innovations takes its reputation to new heights. In this detailed blog, we will try to explore the services, account openings, and Dubai Islamic Bank branches in the UAE.
Services Offered by Dubai Islamic Bank
| Service | Fees (AED) | Notes |
| Account Maintenance Fee | Free | For current and savings accounts |
| Minimum Balance Requirement | 3,000 AED (for most accounts) | 25 AED for subsequent chequebooks |
| Below Minimum Balance Charge | 25 AED per month | Charged if balance falls below the required minimum |
| Current Account Cheque Book | Free (first cheque book) | Free (first checkbook) |
| ATM Cash Withdrawal | Free (DIB ATMs) | 2 AED per transaction at non-DIB ATMs in UAE |
| International ATM Withdrawal | 20 AED per transaction | For withdrawals outside the UAE |
| Local Fund Transfer (within UAE) | 1 AED to 10 AED | Charges vary by method of transfer |
| International Fund Transfer | 75 AED to 100 AED | Based on destination and amount |
| Debit Card Replacement | 26.25 AED | Including VAT |
| Credit Card Annual Fee | 315 AED to 2,100 AED | Depends on the card type (e.g., Platinum, Infinite) |
Business Banking
If you choose Dubai Islamic Bank then you can experience business accounts like the Business Current Account and Plus Accounts. Furthermore, this Islamic bank also allows customers to avail top services like trade finance, business finance, and different corporate cards.
Digital Banking
If you choose this Islamic bank in UAE then you simply use platforms like Apple Pay and Samsung Pay. Moreover, Dubai Islamic Bank allows customers to experience self-service banking kiosks that access them to services like withdrawals and deposits.
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Dubai Islamic Bank Branches in the UAE
| City | Branch | Contact No | Operating Hours |
| Dubai | DIB – Main Branch | +971 4 609 2222 | Sun-Thu: 8 AM to 3 PM, Fri: Closed |
| Dubai | DIB – Deira Branch | +971 4 295 0111 | Sun-Thu: 8 AM to 3 PM, Fri: Closed |
| Abu Dhabi | DIB – Khalidiya Branch | +971 2 681 0000 | Sun-Thu: 8 AM to 3 PM, Fri: Closed |
| Abu Dhabi | DIB – Al Ain Branch | +971 3 751 7777 | Sun-Thu: 8 AM to 3 PM, Fri: Closed |
| Sharjah | DIB – Al Wahda Branch | +971 6 569 4411 | Sun-Thu: 8 AM to 3 PM, Fri: Closed |
| Ajman | DIB – Ajman Branch | +971 6 746 2211 | Sun-Thu: 8 AM to 3 PM, Fri: Closed |
Dubai Islamic Bank: How to Open Your Account Effortlessly
Online
One of the smoother and hassle-free ways to create an account with Dubai Islamic Bank is their website.
Visit the DIB Website: To create an account, you have to go to the official website of Dubai Islamic Bank which is https://www.dib.ae.
Select “Open an Account Online: After accessing the website, you have to find the section that is normally labeled as “Open an Account Online”.
Choose the Type of Account: After clicking, here you need to select the type of account that you wish to open with DIB. Whether you want to open a current account or an investment account, the bank fulfills your needs.
Provide Personal Details: After choosing the account type, you have to enter information like your full name and date of birth on the online form. Moreover, Mobile Number, Email Address, and Emirates ID Number are also important.
Upload Required Documents: Now you need to upload the required documents, such as a scanned copy of your Emirates ID, passport copy, salary certificate, and proof of address.
Review and Accept Terms and Conditions: It is vital to review that all details are correct before accepting the Terms and Conditions.
Wait for Confirmation: After that, DIB bank will review your application and verify all your documents. When your application is approved, you can receive an email that includes your account number and IBAN.
Activate Your Account: At last, when your account is active, you are able to set up online banking and mobile banking.
FAQs
Which documents are essential for customers to create an account with Dubai Islamic Bank in the UAE?
If someone wants to create an account with DIB then upload his scanned copy of Emirates ID, Passport copy, Salary Certificate, and proof address.
Tell me the reason why it is important to create an account with Dubai Islamic Bank?
If someone creates an account with Dubai Islamic Bank, he can access services like Islamic Insurance, Priority Banking, Hajj and Umrah Services, and more.
What is the minimum balance requirement for a Dubai Islamic Bank account?
It depends on the type of account if you want to create an Al Islami 2-in-1 Account the minimum balance required is around AED 10,000.
