DIB Business & SME Accounts
Part of PakFinHub's DIB coverage — Itmenaan and Saving Plus, DIB's two dedicated business-facing accounts.
- Itmenaan
- Saving Plus
Opening a DIB business account is different from a personal one. 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.
Itmenaan or Saving Plus: Which One Actually Fits
The two accounts are built for different cash-flow patterns, not different business sizes. Itmenaan is a transactional account — no minimum balance, free banking services, profit on a single tier starting from as little as PKR 1 — which fits a business that moves money frequently and doesn't want to think about maintaining a balance threshold: a retailer paying suppliers weekly, a services business with regular small transactions in and out. Saving Plus is built the opposite way, for a business or institution sitting on real liquidity it doesn't need to move constantly, where profit scales up as the average balance grows and payout comes monthly rather than semi-annually. A business with high transaction volume but thin cash buffers fits Itmenaan; one holding significant reserve funds between larger, less frequent transactions fits Saving Plus better — and nothing stops a business from holding both, using Itmenaan for operations and Saving Plus for reserves.
The Entity-Type Detail Worth Double-Checking
Itmenaan's complimentary Takaful coverage of up to PKR 1 million applies only to individuals and sole proprietors, not to the other entity types the account is otherwise open to (SMEs, partnerships, private companies, clubs, societies, public companies). If you're opening as a partnership or private company specifically expecting that Takaful benefit, it's worth confirming directly with DIB before assuming it carries over — the account itself is open to you, but that particular perk is narrower than the account's overall eligibility list.
Official Sources & Last Verified
Facts checked against DIB Pakistan's official Itmenaan Account, Saving Plus Account, and SME Banking pages. Last verified: October 31, 2026. Profit tiers and charges change; check dibpak.com's current rate sheet.
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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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