Islamic Commercial Bank

DIB Cheque Book, Pay Order & Stop Payment

Part of PakFinHub's DIB coverage — how to actually order, request, and stop these, not just what they cost.

• App-Based Ordering
• Branch Option

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

Ordering a DIB cheque book, pay order, or stop payment each has its own process. Charges for these show up in DIB's Schedule of Charges across several of our other pages. This page is about the actual process — how you order, request, or cancel each one.

Ordering a Cheque Book

The DIB Mobile App has a dedicated "Order Cheque Books" option under its services menu, with a "View Request List" feature to track it. You can choose a book of 25, 50, or 100 leaves. Alternatively, submit a signed Cheque Book Request form at a branch — DIB's form requires you to acknowledge responsibility for safeguarding the cheques and to promise to report any loss immediately.

Source: DIB Pakistan's official DIB Mobile Banking App page and Cheque Book Request form, dibpak.com.

Creating a Pay Order or Demand Draft

The DIB Mobile App also has a "Create Pay Order/DD" option in the same services menu as cheque book ordering, letting you generate one without a branch visit. See our Account Opening page for pay order and DD issuance charges from DIB's Schedule of Charges.

Source: DIB Pakistan's official DIB Mobile Banking App page, dibpak.com.

Placing a Stop Payment

Per DIB's own Debit Card Terms and Conditions, the bank acts on written or verbal instructions to stop payment on a cheque. In practice, that means calling Phone Banking at 111-786-DIB (342) or visiting a branch, with the cheque number, date, payee, and exact amount ready — the more specific you are, the less risk of the wrong cheque getting flagged, or the right one slipping through before the stop is processed.

A stop payment only works if it reaches DIB before the cheque is presented for clearing — once it's already been paid out, there's nothing left to stop.

Source: DIB Pakistan's official Debit Card Terms and Conditions and Schedule of Charges.

Institutional Cash & Cheque Collection

Separately, DIB offers a contracted Cash & Cheque Collection service aimed at schools, societies, foundations, institutes, and clubs collecting payments from many customers — delivered through designated Branchless Banking locations, with collections deposited into the beneficiary account. This is a business/institutional service, not something an individual account holder signs up for; charges are set per the specific contract, not a published fixed rate.

Source: DIB Pakistan's official Branchless Banking — Cash & Cheque Collection page, dibpak.com.

Cheque, Pay Order & Stop Payment FAQs

Why the App Route Usually Beats the Branch Route

For cheque books and pay orders specifically, the DIB Mobile App's dedicated options exist precisely so you don't have to queue at a branch counter for something that's fundamentally a paperwork request, not a transaction requiring in-person verification. The practical case for still choosing the branch form is narrow: no smartphone, unreliable data connectivity, or wanting a physical signature trail for your own records. Otherwise, the app's "View Request List" tracking feature gives you visibility a branch counter typically doesn't — a paper form submitted in person usually just gets processed without a status you can check yourself in the meantime.

Getting a Stop Payment Right the First Time

Because a stop payment only works before the cheque clears, the window to act is genuinely narrow, and giving DIB an imprecise instruction wastes part of that window. The cheque number alone often isn't enough — supplying the date, payee name, and exact amount together lets DIB's system flag the specific instrument rather than searching against a partial match, which matters if you've issued more than one cheque to the same payee around the same time. If you're not certain of every detail, gathering them from your cheque book stub or account statement before calling is faster than calling first and trying to recall details under pressure.

Official Sources & Last Verified

Facts checked against DIB Pakistan's official Mobile App page, Debit Card Terms and Conditions, and Schedule of Charges. Last verified: October 31, 2026. Charges change between SOC cycles; confirm current figures on dibpak.com. Every DIB fee table is collected on the Schedule of Charges page.

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Good For

• Ordering a cheque book without a branch visit
• Knowing how to actually stop a cheque before it clears
• Understanding DIB's institutional cash/cheque collection service if you run one

More on Dubai Islamic Bank

For independent verification, see State Bank of Pakistan.