Minimum Salary
5.000,00 د.إ
Dubai Islamic Bank’s Al Islami personal accounts—Current, 2-in-1, Savings, and Payroll Current—offer Shari’ah-compliant banking with tiered fee waivers, competitive profit rates, and digital conveniences. Choosing the right account depends on your salary credit, transaction needs, and desire for profit-earning potential.
| Feature / Package | Current Account | 2-in-1 Account | Savings Account | Payroll Current Account |
| Shari’ah Structure | Qard Hasan | Qard Hasan (current) + Mudarabah (saving) | Mudarabah | Qard Hasan |
| Minimum Balance | None | None | None | None |
| Salary Transfer Requirement | Optional | Optional | Optional | ≥ AED 3,000 monthly |
| Profit Rate | N/A | Variable (published) | Variable (published) | N/A |
| Profit Distribution | N/A | Quarterly | Quarterly | N/A |
| Free Teller Transactions | 6 per month; AED 10.50 thereafter | 6 per month; AED 10.50 thereafter | 6 per month; AED 10.50 thereafter | 6 per month; AED 10.50 thereafter |
| Debit Card | Free issuance & replacement¹ | Free issuance & replacement¹ | Free issuance & replacement¹ | Free issuance & replacement¹ |
| First Cheque Book | Free | Free | N/A | Free |
| Next Cheque Book | AED 26.25 per book | AED 26.25 per book | N/A | AED 26.25 per book |
| Online & Mobile Banking | Full access | Full access | Full access | Full access |
| Bill Payments & Transfers | Free via digital | Free via digital | Free via digital | Free via digital |
¹ Replacement beyond the first free card: AED 26.25.
Detailed Schedule of Fees & Charges
All fees inclusive of 5% VAT where applicable.
| Service Category | Service | Charge |
| Account Fall-Below Fee | Monthly (if no salary credit for Payroll) | AED 25 |
| Teller Transactions | 1–6 free/month; AED 10.50 each thereafter | AED 10.50/transaction |
| Cheque Book (first) | Free (Current, 2-in-1, Payroll) | Free |
| Cheque Book (subsequent) | — | AED 26.25/book |
| Debit Card Issuance | Primary & first supplementary | Free |
| Debit Card Replacement | Lost/stolen/damaged | AED 26.25 |
| ATM (DIB ATMs) | Withdrawal, deposit, inquiry | Free |
| ATM (Non-DIB UAE ATMs) | Cash withdrawal | AED 2 per txn |
| Balance inquiry | AED 1 per txn | |
| ATM (GCC ATMs) | Withdrawal | AED 6.30 per txn |
| Balance inquiry | AED 3.15 per txn | |
| ATM (International) | Withdrawal | AED 15.75 per txn |
| International POS | Purchase | 2.00% of transaction |
| Local Transfer (digital) | Within DIB & UAEFTS | Free |
| Local Transfer (branch) | Other UAE banks | AED 21 |
| International Transfer | SWIFT/Telex (BEN/SHA online) | AED 21 |
| SWIFT/Telex (OUR branch) | AED 105 | |
| Standing Instructions | Setup/amendment/cancel | AED 26.25 / AED 52.50 |
| Returned Cheque | Per cheque | AED 241.50 |
| Stop-Payment | Per cheque | AED 105 |
| Duplicate Statement | Per cycle | Free |
| Statement Outside Cycle | Per month | AED 26.25; max AED 105/request |
| Account Closure (≤ 6 mo) | If closed within six months | AED 105 |
| Balance Certificate | Per request | AED 52.50 |
| Liability / No-Liability Cert. | Per request | AED 63 |
Account Benefits
Current Account
2-in-1 Account
Savings Account
Payroll Current Account
– Emirates ID (original & copy)
– Passport with valid UAE residence visa (copy)
– Salary certificate or payroll file (for Payroll account waiver)
– Proof of address (utility bill) if requested
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