🏦 1. Introduction: What is Dubai Islamic Bank?
Dubai Islamic Bank (DIB) is the first Islamic bank in the world, established in 1975 in the United Arab Emirates. It operates strictly under Shariah (Islamic law) and has become one of the largest Islamic banks globally, serving over 5 million customers.
Headquartered in Dubai, DIB blends modern banking innovation with authentic Islamic values to offer a full spectrum of retail, business, and corporate financial services.
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History and Legacy of DIB
Founded: 1975
Pioneer of Islamic banking globally
Listed on Dubai Financial Market (DFM)
Operates in UAE, Pakistan, Kenya, Indonesia, Sudan, and more
Owns majority stake in Paninis Dubai Sy aria how Bank (Indonesia)
With a rich history and a future-driven strategy, DIB stands at the forefront of Islamic finance worldwide.
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3. DIB Market Position in the UAE and Globally
Top 3 Islamic banks in the world by assets
Over 90 branches across the UAE
More than 5 million active customers
One of the most digitized Islamic banks
Rated A3 (Moody's) and A (Fitch) for financial strength
DIB's commitment to ethical finance and financial inclusion has earned it a leading reputation in the Islamic banking sector.
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4. Personal Banking Services
đź’° Accounts:
Current Account (Wakala based)
Savings Account (Mudharabah based)
Investment Deposit Account
Al Islami Gold Account (priority banking)
Ladies’ Account – Johara
Child Account – Shaatir
đź’ł Debit Cards:
Free international usage
24/7 ATM access
Discounts on lifestyle and dining partners
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🏦 5. Business and Corporate Banking
DIB offers Shariah-compliant business solutions for startups, SMEs, and large corporations.
Business Services:
Business current and saving accounts
Working capital finance
Murabaha-Based trade finance
Waka la deposits
Corporate debit cards
DIB also supports Government initiatives, including Emirati business programs, and offers dedicated relationship managers for larger businesses.
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6. Digital and Mobile Banking
DIB Mobile App Features:
View balances and transactions
Pay DEWA, Etisalat, and other bills
Transfer funds locally and internationally
Apply for finance or credit card
Secure biometric login
Online Banking (Personal & Corporate):
Dashboard for full financial control
WPS file upload
Manage standing instructions
View Islamic financing schedule
DIB’s digital services are available via the app, desktop, ATMs, and even WhatsApp banking.
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7. Shariah-Compliant Finance Products
All of DIB’s offerings are certified by a Shariah Board, including:
Credit Cards (Takaful-covered):
Al Islami Classic, Platinum, Infinite Cards
Emirates Skywards Card (miles earning)
Cashback, travel insurance, and airport lounge access
Personal Finance:
Based on Murabaha or IJA rah contracts
Flexible repayment (up to 48 months)
No interest, only profit margin
Early settlement options
Auto Finance:
New & used car finance
Islamic leasing (IJA rah)
Insurance & registration support
Home Finance:
Buy, build, or refinance homes
Based on IJA Ra or Murabaha models
Up to 85% financing
Salary-transfer and non-salary-transfer options available
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8. DIB Wealth and Investment Management
Wealth Services:
Sunk UK (Islamic bonds)
Equity funds
Real estate investment
Islamic mutual funds
Structured investment products
Taka full (Islamic insurance)
High-net-worth individuals can access Al Islamic Private Banking with dedicated advisors and custom portfolio planning.
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9. Target Customers
DIB serves:
UAE Nationals
Expatriates (salary or non-salary transfer)
SMS and Entrepreneurs
Corporations
Women and children (custom products)
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10. Awards and Achievements
DIB has received numerous awards, such as:
Best Islamic Retail Bank – 2023 (Global Finance)
Most Innovative Islamic Bank – 2022
Best Mobile Banking Experience – UAE 2023
World’s First Islamic Bank – Recognized by multiple regulators
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How to Open a DIB Account
Requirements:
Emirates ID
Passport with valid UAE visa
Salary certificate or trade license
Proof of address (DEWA bill, tenancy contract)
Methods:
Visit nearest DIB branch
Use DIB mobile app
Apply online via www.dib.ae
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12. DIB Customer Support
Call Center: 04 609 2222
WhatsApp Banking: +971 4 609 2222
Live Chat: Available on the mobile app and website
Branch Hours: 8 AM to 2 PM (varies by location)
ATM/Branch Locator: Via app or DIB website
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13. Frequently Asked Questions (FAQs)
Is Dubai Islamic Bank safe?
Yes. DIB is regulated by the UAE Central Bank and audited by a Shariah Supervisory Board. It has strong capital adequacy ratios.
Is DIB for Muslims only?
No. DIB is open to everyone, regardless of religion. Its services are based on Islamic principles, but all customers are welcome.
Does DIB offer online account opening?
Yes. You can open an account through the Hayyak app or the official website.
Is DIB part of the UAE Wages Protection System (WPS)?
Yes. DIB fully supports WPS compliance for business payroll needs.
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14. DIB Compared to Other UAE Banks
Feature DIB ADCB FAB
Shariah Compliance ✅ 100% ✅ (via Al Hilal) ✅ (via FAB Islamic)
Digital Services ✅ Excellent ✅ Excellent ✅ Excellent
Islamic Credit Cards ✅ Exclusive ✅ Few options ✅ Few options
Account Opening Online ✅ Hayyak App ✅ Yes ✅ Yes
DIB leads in Islamic innovation and customer-first Shariah-compliant services.
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