Minimum Salary
5.000,00 د.إ
Dubai Islamic Bank offers four Shari’ah-compliant business accounts—e-Trader, Al Islami Plus, Al Islami Premium, and Al Islami Infinite—each with escalating minimum average balance requirements, maintenance fees, and transaction allowances. All packages operate on Qard Hasan principles (interest-free loan), with fees and charges structured around account usage. Eligibility requires a valid UAE trade license, authorized signatories with UAE residency, and standard corporate documentation.
Account Packages & Core Features
| Package | Min. Avg. Balance (AED) | Maintenance Fee (AED/month) | Free Transactions (Teller) | Fall-Below Fee (if balance unmet) |
| e-Trader | None | Free | First 5 free, then AED 42/txn | N/A |
| Al Islami Plus | AED 50,000 | AED 525 if balance < AED 50,000 | First 5 free, then AED 42/txn | AED 525 |
| Al Islami Premium | AED 250,000 | AED 525 if balance < AED 250,000 | First 5 free, then AED 42/txn | AED 525 |
| Al Islami Infinite | AED 500,000 | AED 630 if balance < AED 500,000 | First 5 free, then AED 42/txn | AED 630 |
(All charges are VAT inclusive)
Eligibility Criteria
Detailed Schedule of Fees
1. Teller Transactions
| Service | Fee |
| Cash deposit / withdrawal (over-counter) | AED 42 per transaction |
| Cheque deposit / withdrawal | AED 42 per transaction |
| Bulk cash deposit/withdrawal (> AED 1 M/day) | 0.13125% of amount |
| Demand Draft issuance | AED 42 per instrument |
| Manager’s Cheque issuance | AED 42 per instrument |
| Cheque return (inward & outward) | AED 210 per cheque |
| Stop payment | AED 52.50 per instruction |
| Duplicate statement (branch) | AED 52.50 per request |
(First five teller transactions per month are free; thereafter AED 42 each)
2. Standing Instructions
| Service | Fee |
| Standing instruction setup | AED 52.50 one-time |
| Execution charges (to DIB accounts) | Free |
| Execution charges (to other UAE banks) | AED 52.50 + correspondent charges |
| Amendment / cancellation | AED 52.50 |
| Insufficient funds | AED 105 per transaction |
3. Remittances & Transfers
| Service | Over-Counter Fee | Online Fee |
| Local funds transfer (DIB to DIB) | Free | Free |
| Local funds transfer (DIB to other UAE banks) | AED 52.50 | AED 5.25 |
| Outward remittance (local TT) | AED 52.50 | AED 5.25 |
| Outward remittance (international TT) | AED 52.50 | AED 5.25 |
| Inward remittance | Free | N/A |
| Swift copy | Free | Free |
| Amendment / investigation | AED 52.50 | N/A |
| Cancellation / recall | AED 52.50 | AED 5.25 |
4. Digital Banking & Alerts
| Service | Fee |
| DIB Biz Alert setup | AED 26.25 (waived if online) |
| Monthly Biz Alert subscription | AED 15.75/user (e-Trader: AED 26.25) |
| businessOnline subscription | Included |
| Additional user access | AED 105/user one-time |
5. ATM & Card Services
| Service | Fee |
| Non-DIB ATM withdrawal (UAE) | AED 5 per transaction |
| GCC ATM withdrawal | AED 10 per transaction |
| International ATM withdrawal | AED 20 per transaction |
| Balance inquiry (non-DIB ATM) | AED 2 per enquiry |
| Debit card replacement | AED 25 |
| Foreign currency transaction spread | 1.99% |
(Debit card issuance is complimentary)
6. Account Maintenance & Miscellaneous
| Service | Fee |
| Account closure (≤ 6 months) | AED 367.50–AED 630 (package-dependent) |
| Dormant account charge (per annum) | AED 315 |
| Certificate of balance | AED 157.50 |
| Liability letter | AED 210 |
| Audit confirmation report | AED 262.50 |
| Trade license renewal – grace period charge | AED 367.50 per month |
Select the package aligned with your business size, transaction volume, and digital usage. For online-focused SMEs, e-Trader provides cost-efficiency; for established enterprises, Al Islami Infinite offers maximal benefits and service privileges.
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