Dubai Islamic Bank Accounts

As a customer, you can choose from a variety of Dubai Islamic bank accounts — current, savings, investment, and business accounts — all designed with transparency and ease of access. All of these accounts come with features like online and mobile banking, competitive profit rates, and a wide ATM network, delivering a seamless and rewarding banking experience!

Key Features of Dubai Islamic Bank Accounts in Dubai

Let’s explore the top features of each Dubai Islamic bank account —

Al Islami Current Account

✔️Daily cash withdrawal limit of up to AED 75,000	✔️Easily pay bills online
✔️Online banking services	✔️Free teller transactions and a chequebook

Al Islami 2-in-1 Account

✔️A combination of a savings account and a current account	✔️A profit-earning account
✔️Pay bills online	✔️Online banking facilities

Al Islami E-Savings Account

✔️Available for existing customers

✔️Competitive profit rates

Al Islami Savings Account

✔️Account available for minors	✔️A profit-earning account
✔️Available in multiple currencies	✔️Online banking facilities

Shaatir Savings Account

✔️Exclusive bank account for kids	✔️Zero minimum balance with no maintenance fee
✔️Get a personalised card	✔️A profit-earning account

Johara Current Account

✔️Get a globally recognised debit card and other banking facilities	✔️Online bill payment facility
✔️Online banking services	✔️Free teller transactions and a chequebook

Johara Savings Account

✔️Account available for minors	✔️Multiple currencies are available
✔️A profit-earning account	✔️Online banking facilities

Al Islami Payroll Account

✔️Zero minimum opening balance required with no maintenance fee	✔️A free debit card and a chequebook
✔️Salary-in-advance facility available	✔️Competitive rates on personal and auto finance

Dubai Islamic Bank Account Opening — Eligibility Criteria

The primary eligibility requirements for DIB bank account opening are as follows — 

Eligibility Type	Criteria
Minimum Age	18 years old
Citizenship	UAE national or a legal UAE resident

Note: Additional eligibility requirements apply as per the bank account that you choose.

Dubai Islamic Bank Account Opening Requirements — Documents Checklist

Here are the documents required for Dubai Islamic Bank online account opening —

• ✔️Emirates ID
• ✔️Passport
• ✔️UAE Residence Visa
• ✔️Income Proof — Salary Certificate or Trade Licence
• ✔️Residence Proof — Utility Bill or Other Documents
• ✔️Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS) Declaration signed at the time of application

Dubai Islamic Bank Online Account Opening via Paisabazaar.ae

DIB bank account opening becomes quite easy with Paisabazaar.ae.

Simply follow these steps —

• Step1- Click here and fill out the form
• Step2- Choose a DIB bank account from the quotes
• Step3- Apply and follow the on-screen prompts

We will follow up with you after reviewing your application.

Here’s why you must choose us to open your next account — 

• ✔️We let you choose from a wide range of accounts from the top banks in the UAE
• ✔️Our customer support team is available to assist you at all times
• ✔️The account opening process is quick and hassle-free

Dubai Islamic Bank Accounts — Fees and Charges

Some of the key fees and charges of the DIB bank accounts are tabled below —

Type of Fee	Charges
Return Cheques Drawn on DIB by Customer — Insufficient Balance	AED 105
Return Cheques Drawn on DIB by Customer — Returned Murabaha (DIB)	AED 105
Return Cheques Drawn on DIB by Customer — Insufficient Balance (Direct Debit)	AED 26.25
Copying Documents	Free
Deposit Lockers- Security Deposit (one-time payment, refundable)	Free
Standing Order Instruction- One-Time Setup Charge	Free
Account Statement for the Current Cycle	Free

DIB Bank Accounts — Terms & Conditions

Find below some of the major terms and conditions of the Dubai Islamic Bank accounts in the UAE —

• The bank will assign a unique customer identification number to each customer that will be used for all transactions conducted with it. The customer is solely responsible for any disclosure of their account number to third parties.
• The customer’s signature, whether submitted in physical or electronic format and registered with the Bank, shall serve as the official authorisation for all banking transactions on the customer’s account(s). This signature will remain valid unless the customer formally modifies or cancels it. Any changes to the signature will take effect only on the next business day following receipt of the modification or cancellation request at the branch where the account is held.
• If the customer wishes to change their name for any reason, they must provide an official document from the relevant authority approving the name change. The bank reserves the right to accept or reject payments, cheques, or other documents issued under the customer’s previous name, without any liability for doing so.
• Withdrawals from the customer’s account may be made through written orders accepted by the bank or via authorised points of sale.
• The bank is entitled to deduct any applicable expenses, fees, or commissions directly from the customer’s account, without prior notice, for services rendered. These charges will be in accordance with the bank’s prevailing schedule of fees and commissions.

Dubai Islamic Bank FAQs