DIB Schedule of Charges 2026: All Fees in One Place
Dubai Islamic Bank Schedule of Charges 2026
One reference page for the charges DIB Pakistan publishes across its products.
- Master Fee Reference
- 23 Fee Tables
DIB’s fees are spread across many products, so finding what a service costs usually means opening several pages. This page gathers the fee tables from PakFinHub’s DIB coverage into one place, grouped by what you are trying to do, with a link back to the full page behind each table.
Accounts, Cheques and Remittance Accounts
Cheque Book & Deposit Charges
| 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 page: Dubai Islamic Bank Account Opening, which cites DIB Pakistan’s official channels.
Placing a Stop Payment
| Charge | Amount |
|---|---|
| Stop payment of cheque / lost cheque book | Rs 600 per instruction, or Rs 1,000 maximum |
Source page: DIB Cheque Book, Pay Order & Stop Payment, which cites DIB Pakistan’s official channels.
Cheque Book Charges by Currency
| Currency | Charge per Leaf |
|---|---|
| USD | $1.7 |
| GBP | £1.1 |
| EUR | €1.3 |
| AED | AED 5.5 |
Source page: DIB Foreign Currency Accounts, which cites DIB Pakistan’s official channels.
Roshan Digital Account Charges
| Item | Charge |
|---|---|
| Cheque book issuance | Free |
| Debit card issuance | Free |
| Cheque book & ATM courier | Free (first time) |
| RTGS | Free |
| Outward remittance | Free |
| Pay order | Free |
| Home remittance in PKR account | 20 SAR-equivalent PKR charge, for amounts equivalent to $100 or above, via Exchange Company |
| Supplementary card issuance | As per standard Schedule of Charges |
Source page: Dubai Islamic Bank Roshan Digital Account, which cites DIB Pakistan’s official channels.
Cards, ATMs and Alerts
Debit Card Issuance & Replacement Charges
| Card | Issuance Fee | Replacement Fee |
|---|---|---|
| VISA Aayan (Classic) Debit Card | Rs 4,000 + FED (flat) | |
| VISA Business Debit Card | Rs 2,000 + FED | Rs 1,000 + FED |
| VISA Signature Debit Card (DIBPL staff, AVP & below) | Rs 7,500 | — |
| UnionPay EMV — Silver | Rs 2,100 + FED | Rs 2,100 + FED |
| UnionPay EMV — Gold | Rs 2,500 + FED | Rs 2,500 + FED |
| UnionPay EMV — Platinum | Rs 6,000 + FED | Rs 6,000 + FED |
| PayPak | Rs 1,400 + FED | Rs 800 + FED |
| PayPak Pink | Rs 1,000 + FED | Rs 800 + FED |
| VISA/UnionPay debit card replacement — Ayan & Signature, Silver & Gold (general replacement charge) | — | Rs 900 |
Source page: Dubai Islamic Bank Card Discounts, which cites DIB Pakistan’s official channels.
Then Get a Replacement
| Card | Replacement Charge |
|---|---|
| Visa (Signature & Aayan) | Rs 900 |
| UnionPay (Silver & Gold) | Rs 900 |
| PayPak | Rs 800 + FED |
Source page: DIB Lost or Stolen Card, which cites DIB Pakistan’s official channels.
Withdrawing at Other Banks’ ATMs
| 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 | — |
Source page: Dubai Islamic Bank ATM, which cites DIB Pakistan’s official channels.
International Cash Withdrawal and POS Transactions
| 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 page: Dubai Islamic Bank ATM, which cites DIB Pakistan’s official channels.
Paypak EMV Debit Card (Cash Management)
| Item | Charge |
|---|---|
| Issuance | Rs 850 + FED |
| Card Replacement | Rs 700 + FED |
Source page: Dubai Islamic Bank Cash Management, which cites DIB Pakistan’s official channels.
Transaction Alert Charges
| Account Type | Charge |
|---|---|
| Consumer Asset Accounts (Auto/Home) | Up to Rs 100/month |
| Consumer Retail Accounts (Individual) – monthly | Rs 200/month |
| Consumer Retail Accounts (Individual) – yearly | Rs 2,100/year |
| Company Accounts | Up to Rs 600/month |
Source page: DIB SMS Banking & Transaction Alerts, which cites DIB Pakistan’s official channels.
Fund Transfers
IBFT (Inter-Bank Funds Transfer)
| Detail | DIB’s Terms |
|---|---|
| Free allowance | First Rs 25,000 per month per account, free |
| Charge beyond free allowance | 0.1% of the transaction amount or Rs 200, whichever is lower |
| Daily limit | Rs 500,000 per day per channel |
Source page: DIB Raast, IBFT & Money Transfers, which cites DIB Pakistan’s official channels.
RTGS (Real-Time Gross Settlement)
| Submission Window (Mon–Fri) | SBP Charge (PKR) | DIBPL Charge |
|---|---|---|
| 9:00 AM – 2:00 PM | 200 | Free |
| 2:01 PM – 3:00 PM | 300 | Free |
| 3:01 PM – 4:30 PM | 500 | Free |
Source page: DIB Raast, IBFT & Money Transfers, which cites DIB Pakistan’s official channels.
Personal and Consumer Finance
Processing Charges
| Facility | Processing Charge |
|---|---|
| Unsecured Personal Finance | Rs 6,000 + FED |
| Secured Personal Finance — up to Rs 500,000 | Rs 5,000 |
| Secured Personal Finance — Rs 500,001–1,000,000 | Rs 7,500 |
| Secured Personal Finance — Rs 1,000,001–1,500,000 | Rs 10,000 |
| Secured Personal Finance — Rs 1,500,001–2,000,000 | Rs 15,000 |
| Secured Personal Finance — above Rs 2,000,000 | Rs 20,000 |
Source page: Dubai Islamic Bank Personal Loan, which cites DIB Pakistan’s official channels.
Consumer Durable Finance Charges
| Charge | Amount |
|---|---|
| Processing Charges | Upto Rs 4,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Income Estimation Charges | Upto Rs 5,000 |
| Cheque Return Charges | Upto Rs 1,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
| Late Payment Charge | Upto 35% of the monthly instalment overdue |
| Duplicate Payment Schedule Issuance Charges | Rs 1,000 |
| Documents Retrieval Charges | Rs 1,000 |
Source page: Dubai Islamic Bank Consumer Durable Finance, which cites DIB Pakistan’s official channels.
Vehicle Leasing and Fleet Finance
Auto Leasing Charges
| Charge | Amount |
|---|---|
| Processing Charges | Upto 10% of the value of the financed vehicle |
| Application Login Charges | Upto Rs 1,000 |
| Vehicle Valuation Charges | At actual / upto Rs 10,000 |
| Upfront Tracker Management Fee | Upto Rs 20,000 |
| Monthly Tracker Management Fee | Upto Rs 7,000 |
| Monthly Tracker Fee After Maturity/Settlement | Upto Rs 2,000/month |
| Cheque Return Charges | Upto Rs 1,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
| Late Payment Charge* | Upto 20% of the monthly rent overdue |
| Insurance/Takaful Charges | As per the rate quoted by the Insurance/Takaful Company |
| Vehicle Repossession Charges | At actual / upto Rs 150,000 |
| Registration Service Fee** | Upto Rs 20,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Document Retrieval Charges | Rs 1,000 |
| Income Estimation Charges | At actual / upto Rs 10,000 |
Source page: Dubai Islamic Bank Auto Leasing, which cites DIB Pakistan’s official channels.
Fleet Financing Charges
| Charge | Amount |
|---|---|
| Processing Charges | 0.1% of the limit assigned |
| Stamping Charges | As per the Provincial Tax Grid |
| Vehicle Valuation Charges | At actual / up to 7% of vehicle price |
| Late Payment Charges* | Up to 30% of the total overdue |
| Registration Service Fee** | As per the rate quoted by the enlisted registration vendor |
| ECIB Report Charges | At actual (included in processing charges) |
| Insurance/Takaful Charges | As per the rate quoted by the Insurance/Takaful Company |
| Fleet Repossession Charges | At actual / up to Rs 150,000 |
| Duplicate NOC | Up to Rs 1,000 (tax applicable) |
| SECP Charge | At actual / upto Rs 16,000 (each charge) |
| STR Registry | Upto Rs 1,040 (each registry) |
Source page: Dubai Islamic Bank Fleet Financing, which cites DIB Pakistan’s official channels.
Business, Corporate and Trade
Business Finance Charges
| Charge | Amount |
|---|---|
| Application Processing Charges | Upto Rs 20,000 |
| Property Appraisal Charges | At actual / upto Rs 5,000 |
| Legal Charges | At actual / upto Rs 10,000 |
| Income Estimation Charges | At actual / upto Rs 10,000 |
| Title Documents Verification Charges | At actual / upto Rs 10,000 |
| Property Takaful Charges | As per rate quoted by Takaful Company |
| Cheque Return Charges | Upto Rs 1,000 |
| Late Payment Charges* | Upto 20% of the monthly rent overdue |
| Partial Settlement Processing Charges | Upto Rs 5,000 |
| Finance Enhancement Processing Charges | Upto Rs 10,200 |
| Asset Repossession Charges | At actual |
| Duplicate Payment Schedule Issuance Charge | Rs 1,000 |
| Document Retrieval Charges | Rs 1,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Request for change in Financing Tenor | Upto Rs 10,000 |
| Product Switching Charges to Relevant KIBOR** | Upto Rs 40,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
Source page: Dubai Islamic Bank Business Finance, which cites DIB Pakistan’s official channels.
Corporate Banking Charges
| Item | Charge |
|---|---|
| Fresh/Renewal/Enhancement/Excess over Limit (funded & non-funded) | Processing/handling fee as agreed with the client; the offer letter records the negotiated charge |
| Issuance of NOC for creation/upgradation of charge against client assets | Minimum Rs 5,000 processing/handling |
| ECIB Report Charges | Rs 60 per report |
| Other/Miscellaneous Requests | Minimum Rs 5,000 processing/handling |
Source page: Dubai Islamic Bank Corporate & Investment Banking, which cites DIB Pakistan’s official channels.
Investment Banking Transactions
| Fee | Basis |
|---|---|
| Facility Structuring / Advising Fee | As per agreed terms |
| Facility Documentation Fee (funded & non-funded) | As per agreed terms |
| Investment Agency Fee | As per agreed terms |
| Security Trustee Fee | As per agreed terms |
Source page: Dubai Islamic Bank Corporate & Investment Banking, which cites DIB Pakistan’s official channels.
Imports
| Charge | Amount |
|---|---|
| LC opening commission (local & FCY) | 0.50% for first quarter, 0.25% each subsequent quarter, min Rs 2,500 |
| LC amendments commission | Rs 1,250 per amendment (increase in amount/period follows opening commission rate) |
| Commission on retirement of import bills incl. LC | 0.12% on rupee value, min Rs 1,850 |
| LC cancellation | Rs 1,850 flat + actual communication charges |
| Import document handling against FCY DD/TT without LC | 0.20%, min Rs 10,000 |
| Usance bills drawn under import bill | Upto 0.20% per month beyond LC validity |
| Discrepancy Fee | US$ 175 or equivalent + Telex/SWIFT charges |
| Import Advance Payment (with or without LC) | Rs 2,000 flat |
| Import Shipping Guarantee | Rs 2,000 flat |
Source page: Dubai Islamic Bank Trade Services, which cites DIB Pakistan’s official channels.
Exports
| Charge | Amount |
|---|---|
| LC advising / amendment (local & FCY) | Advising Rs 2,500; amendments Rs 1,250 |
| Export LC transfer | Rs 1,850 per transfer + communication charges |
| Documentary export collection | Rs 1,250 per collection; duty drawback handling 0.25%, min Rs 250 |
| L/C Confirmation Charges | 0.25% per quarter, min Rs 350 |
| Export Advance Payment | 0.12%, min Rs 1,500 |
Source page: Dubai Islamic Bank Trade Services, which cites DIB Pakistan’s official channels.
Guarantees
| Charge | Amount |
|---|---|
| Guarantee issuance | 0.50% per quarter or part thereof, min Rs 2,500 p.a. |
| Guarantee amendment | Rs 1,500 (other than increase in amount/period) |
| Back-to-back guarantee issuance | 0.45% per quarter, min USD 250 p.a. |
| Service charges for claims by beneficiary | Rs 1,000 flat + actual expenses |
| Endorsement of airway bill / shipping guarantees | Rs 2,000 flat |
Source page: Dubai Islamic Bank Trade Services, which cites DIB Pakistan’s official channels.
Priority Banking
Wajaha Priority Banking
| Wajaha Signature — Waived Service | What a regular customer pays |
|---|---|
| Cheque book issuance / stop payment of cheque | Rs 25/leaf; up to Rs 600 per instruction |
| Pay order issuance | Rs 350 |
| DDs/MTs/TTs within bank network | 0.1%, min Rs 125, max Rs 5,000 |
| Telex/SWIFT charges – domestic | Rs 500 |
| Standing instruction charges (LCY) | Rs 250 per transaction |
| Statement of account on ad hoc basis | Free even for regular customers |
Source page: Dubai Islamic Bank Priority Banking, which cites DIB Pakistan’s official channels.
How to Read These Charges
Every table above is reproduced from the PakFinHub page linked under it, so a fee shown here matches the fee on the product page. Some tables mix flat fees, percentages and negotiated items, and a few lines say a charge is waived or set case by case. Check the source page before relying on a line, because it carries the conditions and the date it was verified.
Official Sources & Last Verified
This page was compiled on October 31, 2026 from the linked PakFinHub pages. Each of those pages states its own official source and verification date. Bank charges change, so treat DIB Pakistan’s own published schedule and product pages on dibpak.com as final.
Schedule of Charges FAQs
Where can I see all Dubai Islamic Bank charges in one place?
This page collects the fee tables published across PakFinHub’s DIB coverage, grouped by accounts, cards, transfers, personal finance, vehicle finance and business banking.
Are the charges on this page current?
Each table is copied from a product page that names its official source. Charges can change, so confirm the figure with DIB Pakistan before you act on it.
Does DIB charge for ATM use?
The ATM tables above show which transactions are free on DIB’s own ATMs and what applies on the 1Link network and for international use. See the ATM page for the conditions.
Good For
- Comparing DIB fees across accounts, cards and finance products
- Finding what a service costs before you apply
- Checking a charge against the product page that explains it
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Raast, IBFT & Transfers
Transfer options and charges.
Financial Data
Balance sheet and ratios.
Complaints & Escalation
If a charge looks wrong.
For independent verification, see State Bank of Pakistan and DIB Pakistan.