Islamic Commercial Bank

DIB Business & SME Accounts

Part of PakFinHub's DIB coverage — Itmenaan and Saving Plus, DIB's two dedicated business-facing accounts.

Itmenaan
Saving Plus

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

Our main Account Opening page covers DIB's personal accounts. These two are built for businesses specifically — a free-services transactional account, and a high-liquidity savings account for SMEs and institutions.

Itmenaan Account

A transactional current account designed for day-to-day business use, bundled with a set of free banking services. Eligible account holders include individuals, SMEs, commercial ventures, private companies, partnerships, clubs, sole proprietorships, societies, and public companies — a notably wide entity list compared to a typical personal current account.

Currency: PKR only
No minimum balance requirement
Profit calculated on monthly average balance, paid semi-annually
Single profit tier starting from PKR 1
Complimentary Takaful coverage up to PKR 1 million — for individuals and sole proprietors only, not other entity types

Source: DIB Pakistan's official Itmenaan Account page, dibpak.com.

Saving Plus Account

A Mudarabah-based savings account where profit potential increases as your average balance increases, positioned by DIB as an option for SMEs, institutions, and individuals with high liquidity to place.

Currency: PKR only
Profit calculated on monthly average balance, paid monthly
Free online banking access at all DIB branches nationwide
Access to Priority Banking services on meeting the balance requirements set in DIB's Schedule of Charges

Source: DIB Pakistan's official Saving Plus Account page, dibpak.com.

Beyond Deposit Accounts: SME Financing

DIBPL also runs a dedicated SME & Commercial Banking financing arm, targeting Small Enterprise (SE) and Medium Enterprise (ME) segments across its branch network without geographical or sectoral restriction, per its official SME Banking page. For the actual financing products and charges, see our Business Finance page and Corporate & Investment Banking page.

Source: DIB Pakistan's official SME Banking and Corporate & SME Banking pages, dibpak.com.

Business & SME Accounts FAQs

What is DIB's Itmenaan Account?

A transactional account for individuals, SMEs, commercial ventures, private companies, partnerships, clubs, sole proprietorships, societies, and public companies, with no minimum balance requirement and complimentary Takaful coverage up to PKR 1 million for individuals and sole proprietors.

What is DIB's Saving Plus Account for?

A high-liquidity savings account aimed at SMEs, institutions, and individuals, where profit increases as the average balance increases. It's PKR only, with monthly profit payout.

Does DIB Itmenaan Account charge for the account itself?

There's no minimum balance requirement, and it comes with a host of free banking services, per DIB's official Itmenaan Account page — confirm current specific charges on DIB's Schedule of Charges.

Can a sole proprietorship open a DIB business account?

Yes — DIB's Itmenaan Account explicitly lists sole proprietorships among the entity types eligible to open it, alongside SMEs, partnerships, and companies.

Official Sources & Last Verified

Facts checked against DIB Pakistan's official Itmenaan Account, Saving Plus Account, and SME Banking pages. Last verified: August 22, 2026. Profit tiers and charges change; check dibpak.com's current rate sheet.

Good For

Sole proprietors and small businesses wanting a free-services current account
SMEs or institutions parking high liquidity and wanting profit that scales with balance
Understanding DIB's business account options before choosing between them

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