Islamic Commercial Bank

Dubai Islamic Bank Account Opening

Part of PakFinHub's DIB coverage — every account type and how to open one.

9 Account Types
Digital Onboarding Available

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Dubai Islamic Bank account opening covers a wider range of products than most conventional banks offer — DIB structures separate accounts for different customer segments instead of one generic savings account with bolt-on features. Below is what's on offer, and how each one works.

DIB Account Types

Account	Who It's For
Asaan Account	SBP's simplified low-documentation account for financial inclusion — reduced KYC requirements, lower balance thresholds
Regular Current / Savings Account	Standard retail current and savings accounts under Islamic Mudarabah/Qard principles
Foreign Currency Account	USD, GBP, EUR and other major currency deposit accounts
Freelancer Account	Built for freelancers and IT exporters receiving foreign payments; DIB's Western Union remittance collection line (0800-11-DIB / 342) is marketed to this segment specifically
Johara Account	DIB's dedicated women's financial services account
Itmenaan Account	Fixed-profit-tier savings account for customers who want predictability
Senior Citizen Account	Preferential terms for account holders above a set age threshold
Muaawin Account	Designed for persons with disabilities (PWDs)
Term Deposit	Fixed-tenure Islamic deposit (Mudarabah-based) for a locked-in profit rate

Account list confirmed from DIBPL's official website navigation (dibpak.com/index.php/bank-accounts/).

How Dubai Islamic Bank Account Opening Works

DIB offers both branch-based and fully digital account opening. For digital account opening, DIB provides an online onboarding flow through its official Digital Account Opening portal — no branch visit required for eligible applicants, using CNIC verification and biometric/video KYC. For branch-based opening, you'll need your original CNIC, a passport-size photograph, and proof of income or occupation depending on the account type.

Every DIB deposit account operates under a documented Islamic contract — typically Qard (interest-free loan structure for current accounts) or Mudarabah (profit-and-loss sharing for savings and term deposits) — rather than a conventional interest-bearing structure. The bank publishes its profit-sharing weightages and historical profit rates for each account tier separately (see our Profit Rates page).

Documents You'll Typically Need

Original CNIC/SNIC or NICOP for overseas applicants
Passport-size photograph
Proof of occupation or source of income (salary slip, business registration, etc.)
Initial deposit amount as per the chosen account's minimum balance requirement

Cheque Books & Deposits

Current account and select savings account holders can request a cheque book once the account is active; DIB also offers Cash Deposit Machines (CDMs) and cash/cheque collection through its branchless banking channels for customers who don't want to queue at a teller. Cheque clearing follows the standard SBP-mandated same-day and next-day clearing cycles depending on the branch and the clearing house involved.

Digital account opening and branchless banking channels confirmed from DIBPL's official website (dibpak.com).

Cheque Book & Deposit Charges

Once your account is active, here's what a cheque book and everyday deposit-related requests actually cost under DIB's Schedule of Charges — regular current/savings accounts pay per-leaf cheque book fees, while Asaan Account holders get a lower rate.

Item	Charge
Cheque book issuance (regular account)	Rs 25/leaf
Asaan Account cheque book	Rs 16/leaf
Customized/specialized cheque book	Rs 28/leaf
Stop payment of cheque / lost cheque book	Rs 600/instruction (max Rs 1,000)
Cheque returned unpaid (inward clearing)	Rs 600
Retrieval of paid cheque — within 1 year	Rs 300
Retrieval of paid cheque — after 1 year	Rs 600
Cash/cheque deposit (within or inter-city)	Free
Cash withdrawal (within or inter-city)	Free
Statement of account, ad hoc (printable)	Free

Source: DIB Schedule of Charges, July–December 2026.