In this digital age, banks are reliable and smart options that fulfill the financial needs of everyone. Dubai Islamic Bank is the leading and first Islamic bank that allows customers to manage their finances smoothly in the UAE. This reputable bank was established in 1975 and makes its place in the hearts of customers with its top-class banking services. Moreover, the commitment of Dubai Islamic Bank to customer satisfaction and Sharia-compliant banking sets it apart from other banks in this lovely country. In this detailed blog, we will explore top services, account opening, and Dubai Islamic Bank branches.
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) | May vary depending on the account type |
| Below Minimum Balance Charge | 25 AED per month | Charged if balance falls below the required minimum |
| Current Account Cheque Book | Free (first cheque book) | 25 AED for subsequent cheque books |
| 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) |
Digital Banking
If you choose Dubai Islamic Bank it allows you to use platforms like Apple Pay and Samsung Pay. Moreover, the bank also offers self-service banking kiosks that allow you to access services like withdrawals, deposits, and payments. This Islamic bank provides advanced features like trade services.
Personal Banking
Dubai Islamic Bank offers a wide range of savings and current accounts that cater everyday banking needs of customers. In this bank, you can avail the option of Sharia-compliant personal finance like home finance and car finance. Moreover, here you can also experience Islamic credit cards that offer cashback and travel benefits.
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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 |
Start Banking: How to Open Your Dubai Islamic Bank Account
Mobile App
To create an account with Dubai Islamic Bank it is advised to use their mobile app to avoid any hassle.
Download the DIB Mobile App: To create a DIB account, the app is available on the Apple Store or Google Play Store. You can download and install it on your mobile easily.
Open the DIB Mobile App: After installing the app, you have to Sign Up if you are using it for the first time. Moreover, if someone already has an account then log in with his credentials.
Select “Open New Account”: After logging In, on the main screen you have to find the “Open New Account” section and click on it.
Choose Account Type: Now you have to select the type of account that you are eyeing to create with Dubai Islamic Bank. Furthermore, the most preferred options of accounts among customers are Savings, Current, and Investment.
Enter Personal Information: Whether you are willing to create an Investment or savings account, it is good to give your personal details. Moreover, you must have to provide your Full Name, Date of Birth, Emirates ID number, Passport details, and Email Address.
Upload Required Documents: In this step, you have to upload your documents like Passport, Emirate ID, Proof of address, and Visa page for verification.
Set Up a PIN and Security Questions: when your documents are verified then you have to create a 4-digit PIN for secure login.
Start Banking: At last, when your account is active you are able to transfer money, check balances, and pay bills.
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FAQs
What is the reliable way to create an account with Dubai Islamic Bank in the UAE?
In the UAE, the DIB Mobile App is one of the most reliable and smoother ways to create an account with Dubai Islamic Bank.
Which essential documents are required to create an account with Dubai Islamic Bank?
If you are willing to create an account with DIB then you must have your Passport, Emirate ID, Proof of address, and Visa page.
Why is it important to create an account with Dubai Islamic Bank?
If you create an account with Dubai Islamic Bank it allows you to access platforms like Apple Pay and Samsung Pay. Moreover, it also provides services like Islamic Insurance, Priority Banking and Hajj and Umrah Services.
