Dubai Islamic Bank Current Account

The DIB current account is an excellent option if you want seamless salary transfers, fund transfers, and bill payments. You can also benefit from 24/7 account access through the DIB mobile app and digital platforms. 

DIB Current Account — Features and Benefits

DIB current accounts are available under two different types. Here are the primary features and benefits of each one — 

1. DIB Johara Current Account

Types of Features	Description
Multiple Banking Facilities	Easy utility bill payments — Airlines- flydubai and Air Arabia Properties- EMAAR Government Services- DED, Noqodi, Trakhees, and RTA Telecommunication- Du and Etisalat Utilities- SEWA, FEWA, DEWA, ADDC, Emicool, and Ajman Sewerage  Seamless access to internet banking and mobile banking
Free Banking Services	Get a debit card on signing up Free chequebook First six teller transactions without any fee

2. Al Islami Current Account

Feature Type	Description
Banking Channels	Internet banking, mobile banking, WhatsApp banking, and more
Cash Withdrawal	Daily limit of up to AED 75,000 via debit card
Bill Payment Facilities	Airlines- flydubai and Air Arabia Properties- EMAAR Telecommunication- Du and Etisalat Government Services- DED, Noqodi, Trakhees, and RTA Utilities- SEWA, FEWA, DEWA, ADDC, Emicool, and Ajman Sewerage
Multiple Currencies	Option to open account in major currencies — AED GBP SAR AUD EUR USD
Extensive Banking Facilities	Monthly e-statements Debit card Access online banking at any time

Eligibility Criteria to Open Dubai Islamic Bank Current Account in UAE

You need to fulfil the criteria below to open a DIB current account —

Eligibility Type	Al Islami Current Account	Johara Current Account
Minimum Age	18 Years	18 Years
Nationality	UAE National or Resident	UAE National or resident

Opening a DIB Current Account — Documents Checklist

To open a DIB bank account in UAE, you must have the following documents available — 

Al Islami Current Account	Johara Current Account
Emirates ID Passport Residence Visa (applicable to expatriates) Residential Address Proof Salary Certificate (for salaried) Trade Licence (for self-employed) Duly Filled Application Signed FATCA and CRS Declaration	Emirates ID Passport Residence Visa (for expats) Residential Address Proof Salary Certificate (for salaried) Trade Licence (for self-employed) Duly Filled Application Signed FATCA and CRS Declaration

How to Apply for a DIB Current Account in the UAE?

Opening a current account in Dubai Islamic bank is fairly easy and convenient. Customers who wish to open a DIB Current Account can use any of the below-mentioned methods as per their suitability:

Online Applications

Online application is one of the easiest ways to open a current account with DIB. The applicant needs to visit the official website and apply for the desired DIB current account.

Branch Visit

Alternatively, the applicant can open a DIB Current Account by visiting the nearest branch. He/She can submit the required documents and fill the application form to open the account of his/her choice.

DIB Current Account — Fees and Charges

Given below are the fees and charges of the Al Islami current account in the UAE — 

Type of Fee	Al Islami Current Account
Account Maintenance Fee (Per Month)	AED 26.25* *Waived if a minimum balance of AED 3,000 is maintained on a monthly basis
Account Closure Fee (if closed within 6 months)	AED 26.25
Teller Fee (per transaction)	AED 10.5 from the 7th month onwards.** **No teller fee is applicable for the first 6 months
Issuance of an Additional Cheque Book	AED 26.25 (applicable from 2nd month)

How to Close Dubai Islamic Bank Current Account in the UAE?

In order to close a DIB Current Account, the account holder must make sure that they have cleared all debts in any form and then apply for closure of their DIB Current Account. Subsequently, they will have to withdraw their funds from the current account or get it transferred to any other bank account.

The account closure application can either be done through online banking or by visiting the DIB branch in your vicinity.

Note: The account holder has to pay a fee of AED 26.25 for account closure in case they close their bank account within a time span of one year.

Dubai Islamic Bank Current Account FAQs