Minimum deposit
AED 5,000
DIB Al Islami Investment Deposit
DIB Al Islami Investment Deposit is a Mudaraba term deposit from AED 5,000 for 1 to 12 months, with profit declared by the bank and paid every quarter.
An existing account with DIB is required, such as DIB Al Islami Current Account.
At a glance
The Al Islami Investment Deposit is a term deposit. You put in a lump sum of AED 5,000 or more, choose a tenure of 1, 3, 6, 9 or 12 months, and leave it until that period ends. It is built on Mudaraba. You provide the money, the bank invests it in a shared pool, and the pool's net profit is split between depositors and the bank in agreed shares. That makes it different from DIB's Wakala deposits such as the Retail Wakala Deposit, where the bank quotes an expected rate when you book. Here the rate is only known once the bank declares it. The deposit can be held in dirhams, US dollars, pounds, euros or Qatari riyals, and you need a DIB current or savings account first.
Fees and balance
Profit
Profit is paid quarterly. No profit if withdrawn before completing 30 days in the Mudaraba Pool. Later broken deposits use the applicable savings account profit rate for the actual time invested.
Available deposit tenures
| Tenure | Annual rate |
|---|---|
| 1 month | 0.35% |
| 3 months | 0.38% |
| 6 months | 0.43% |
| 9 months | 0.45% |
| 12 months | 0.48% |
| Tenure | Annual rate |
|---|---|
| 1 month | 0.35% |
| 3 months | 0.38% |
| 6 months | 0.43% |
| 9 months | 0.45% |
| 12 months | 0.48% |
Declared for Q2 2026
In plain words
- Profit rate
- An Islamic account does not pay interest. It pays you a share of what the bank earns on your money. The profit rate is that share as a yearly percentage of your balance. More on this
- Tenure
- The length of time you agree to leave the deposit in place. You choose it when you open the deposit, and the rate you get depends on the tenure you pick. More on this
- Declared rate
- The bank announces the profit rate for each period after the period ends. The rate shown is the one announced for Q2 2026. More on this
What your money earns here
Tenure
12 months
Uses the rates declared for Q2 2026. The amount and the rate stay the same for the whole period, and the profit is paid out, not added to the balance. Try other rates
AED 48
profit over 1 year
0.48%
a year
profit earned over time
The figures in the table are the rates DIB declared for the second quarter of 2026. They show what the pool paid in that quarter, and a new rate is declared each quarter. When a deposit is broken after 30 days, profit is recalculated for the days actually invested at the rate that applies to broken deposits, which is tied to the savings account rate, and profit already paid above that amount is taken back from your account.
Benefits
Five Deposit Currencies
Can be placed in AED, USD, GBP, EUR or QAR.
Automatic Renewal Option
You can instruct the bank to reinvest the principal for another period of equal length at maturity.
Shariah-compliant
Banking model
Fully digital, no branch visit
Account opening
How to open
Before you apply
1.Open in the app.
2.An existing account with the bank is required.
3.Minimum deposit: AED 5,000.
Application steps
1.Open a DIB current or savings account if you do not have one.
2.Apply at a branch or Wealth Management Centre, or through online or mobile banking as an existing account holder.
3.Complete the Investment Deposit application form and have your Emirates ID, passport and residence visa ready.
4.Choose the currency, the tenure and what should happen at maturity: reinvest the principal or close the deposit.
5.Fund the deposit in one lump sum of AED 5,000 or more.
Good to know
Good option for
Savers who want a short, Sharia-compliant term deposit from AED 5,000, in dirhams or a foreign currency, with profit paid during the term.
Consider another account if
You have AED 25,000 or more to place and want a rate quoted up front. DIB's Wakala deposits work that way, and their expected rates are higher than the rates declared on this deposit.
At maturity and early closure
You choose in advance what happens when the term ends. The bank either reinvests the principal for another period of the same length at the rate then prevailing, or closes the deposit. To close a deposit before maturity you visit a DIB branch.
Frequently asked questions
Get answers to common questions about the DIB Al Islami Investment Deposit