Minimum age
18 years
DIB Johara Current Account
DIB Johara Current Account is the everyday account in DIB's Johara ladies banking range. It pays no profit, and an average of AED 3,000 avoids the fee.
At a glance
Key facts
Monthly Fee
AED 26.25/month below AED 3,000
Minimum BalanceAED 3,000
Account TypeIslamic
Account access
Request the optional debit card when opening the account; the first card is complimentary.
Johara is the name DIB gives its ladies banking range, and the Johara Current Account is its everyday account. It runs on the terms of the bank's standard current account: you deposit and withdraw freely, the bank guarantees the balance, and no profit is paid on it. From the account you can pay phone, utility, government and airline bills through online and mobile banking, including Etisalat, du, DEWA, SEWA and RTA. The profit-earning counterpart in the range is the Johara Savings Account.
Who can open it
Residency
UAE resident or national
Fees and balance
The monthly cost depends on one number, your average balance. If the average of your daily closing balances over the month is AED 3,000 or more, nothing is charged. Below that, the bank takes AED 26.25 for the month. Two links to other DIB products switch the fee off whatever the balance: using this account to repay a DIB finance, or having it linked to a Wakala or Investment Deposit. Aayan and Wajaha customers are exempt as well. After the first complimentary cheque book, each 25-leaf book costs AED 26.25, and an account closed within 6 months of opening is charged AED 26.25.
Minimum balance
AED 3,000
Monthly fall-below fee
AED 26.25
How to avoid the monthly fee Meet any one of these conditions.
- Keep a balanceAverage monthly balance of AED 3,000 or more
- Other exemptionsNot charged on the account that settles an active DIB finance, the account linked to an active Wakala or Investment Deposit, or for Aayan and Wajaha customers
Minimum opening amount
None
Account closure fee
AED 26.25
Charged only within 6 months of opening.
In plain words
- Fall-below fee
- A monthly charge for holding less than the balance the bank asks for. Here it is AED 26.25, charged in a month when your average balance for the month is under AED 3,000. The average is taken over every day of the month, so a few low days do not trigger the fee on their own. It is not charged in a month when you stay at or above that amount. More on this
- Account closure fee
- A one-off charge of AED 26.25 for closing the account within 6 months of opening it. Closing it later costs nothing. More on this
- Opening amount and minimum balance
- The opening amount (AED 0) is what you pay in to start the account. The minimum balance is what you keep in it afterwards. More on this
Benefits
Debit Card on Request
Ask for the card when the account is opened. The first one is complimentary.
First Cheque Book Free
The first cheque book is complimentary. Later books of 25 leaves cost AED 26.25 each.
Online Bill Payments
Pay telecom, utility, government and airline bills through online and mobile banking.
Shariah-compliant
Banking model
How to open
Before you apply
1.Request the optional debit card when opening the account; the first card is complimentary.
2.Minimum balance: AED 3,000.
Good to know
Good option for
Day-to-day spending, bill payments and cheques when your balance stays around AED 3,000 or higher.
Consider another account if
You want profit on idle money, in which case a savings account fits better, or your balance often sits under AED 3,000. Compare other Islamic accounts before deciding.
Frequently asked questions
Get answers to common questions about the DIB Johara Current Account