Dubai Islamic Bank ATM
Part of PakFinHub's DIB coverage — ATM count, charges, and card issues.
- 220+ DIB ATMs
- 1Link Network Access
Dubai Islamic Bank ATM access runs on two layers: DIB's own proprietary machines, and the wider 1Link network shared across Pakistani banks. Below covers the network size, and what to do if your card gets stuck at one.
DIB ATM Network
- DIB-Owned ATMs
- 220+
- Shared Network
- 1Link (nationwide)
- Card Networks Supported
- VISA, UnionPay, PayPak
- UnionPay Global Acceptance
- 145+ countries
ATM count and network figures confirmed from DIBPL's official UnionPay Debit Card page (dibpak.com).
Withdrawing at Other Banks' ATMs
Because DIB's cards ride on the 1Link switch, DIB debit card holders can withdraw at any other 1Link-member bank's ATM across Pakistan, not just DIB-branded machines. That inter-bank withdrawal carries a standard 1Link charge that's smaller than an international withdrawal fee, and DIBPL's own ATMs are free for the same transactions.
| Transaction | On DIBPL ATMs | On 1Link (Other Banks) |
|---|---|---|
| Balance inquiry | Free | Rs 4.67 |
| Cash withdrawal | Free | Rs 35 |
| Mini-statement | Free | — |
| Receipt on withdrawal/balance inquiry | — | Rs 4.67 |
| ATM Access Fee | Rs 600 | — |
DIBPL charges an ATM Access Fee of Rs 600 in addition to the above; on-DIBPL-ATM balance inquiry, cash withdrawal, mini-statement, and ad hoc statement requests are otherwise free. Figures exclusive of FED where applicable. Source: DIB Schedule of Charges, July–December 2026.
International Cash Withdrawal and POS Transactions
UnionPay cardholders using DIB cards outside Pakistan — for ATM withdrawals or POS/internet purchases — pay a percentage-based charge rather than a flat fee, since it depends on the rupee-dollar exchange rate at the time of the transaction.
| Transaction | Charge |
|---|---|
| International cash withdrawal | 4.0% or actual cost + applicable taxes |
| International balance inquiry | Rs 250/enquiry |
| Document/transaction retrieval | Rs 1,000/document |
| POS & internet purchase (international) | 4.0% or actual cost + applicable taxes |
| Debit card replacement — VISA (Aayan & Signature) | Rs 900 |
| Debit card replacement — UnionPay (Silver & Gold) | Rs 900 |
Source: DIB Schedule of Charges, July–December 2026.
If Your Card Stops Working
- Call the 24/7 Call Center at 111-786-DIB (342) to check if the card was blocked for a security reason
- Confirm your card hasn't expired — DIB debit cards carry a standard multi-year validity printed on the card face
- For replacement or conversion to a different card tier, request it at your relationship branch or through the Call Center
- Activate a new or replacement card through DIB's official WhatsApp Banking channel
Card replacement and activation process confirmed from DIBPL's official Debit Cards page.
Dubai Islamic Bank ATM FAQs
How many Dubai Islamic Bank ATMs are there?
DIB operates 220+ of its own ATMs in Pakistan, plus access to the wider 1Link network shared across Pakistani banks.
Can I use my DIB card at another bank's ATM?
Yes, through the 1Link network. A cash withdrawal costs Rs 35 and a balance inquiry costs Rs 4.67 at another bank's ATM, versus free on DIBPL's own ATMs (which carry a separate Rs 600 ATM Access Fee).
A Worked Example: International Withdrawal Cost
Because DIB's international ATM and POS charge is percentage-based rather than flat, the actual rupee cost depends entirely on the transaction size and exchange rate at the time. Withdrawing the equivalent of USD 200 abroad, for instance, would carry a charge of roughly 4% of that amount (or the actual cost, whichever is higher) plus applicable taxes — meaning the fee itself scales with how much you withdraw, unlike the flat Rs 35 charged for a domestic 1Link withdrawal. For anyone traveling and planning to rely on a DIB UnionPay card abroad, this makes fewer, larger withdrawals generally cheaper in percentage terms than several small ones, since taxes and the "actual cost" floor apply per transaction regardless of size.
Why On-Network Access Isn't Really "Free"
DIBPL's own ATMs show as free for balance inquiries, withdrawals, and mini-statements — but that's separate from the flat Rs 600 ATM Access Fee charged on top, per the Schedule of Charges. In practice, this means the per-transaction cost at a DIBPL machine is genuinely zero, but the account itself isn't free to hold if that access fee applies to your card or account tier; it's worth confirming with DIB whether the Rs 600 charge applies once, annually, or under specific conditions for your particular account before assuming ATM access is entirely cost-free.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: October 31, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth. Every DIB fee table is collected on the Schedule of Charges page.
Ready to bank with Dubai Islamic Bank?
Verify current rates, offers, and terms directly with DIB Pakistan before you apply.
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Good For
- Understanding DIB's own ATM footprint versus the shared 1Link network
- Knowing where to check exact inter-bank withdrawal charges
- Troubleshooting a DIB debit card that isn't working
- UnionPay cardholders travelling internationally
More on Dubai Islamic Bank
Branch & ATM Locator
Network size and official locator.
DIB Near Me
Find the nearest branch or ATM by city.
Bank Timings
Friday, Saturday, and today's hours.
Bank Overview
History, leadership, ownership, and key facts.
Bank Profile (Quick Reference)
One-page snapshot of key stats and contacts.
Careers
Career areas, eligibility, and how to apply.
For independent verification, see State Bank of Pakistan, SECP, 1Link.