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Dubai Islamic Bank Business logo

Dubai Islamic Bank Business

Islamic business bank accounts

e-Trader, Plus, Premium, Infinite and Ultimate accounts with different allowances.

Explore

At a glance

Key facts

Account structureQard Hasan demand current account; the balance earns no profit
Packagese-Trader, Plus, Premium, Infinite and Ultimate
CurrenciesAED and USD current-account options under the account key facts
Balance basisAggregate business relationship across currencies determines the package's monthly-average test
Digital bankingBusiness Online access, extra users and annual maintenance have package-specific charges
Cheque bookFirst business cheque book included; subsequent books differ for Ultimate
International transfersBranch and online prices differ by package; correspondent charges and USD OUR upfront costs may apply
PayrollWPS salary SIF processing and UAE FTS bulk transfers are listed in the business tariff
Opening documentsValid trade licence, company authority and owner or signatory identity documentation
Tariff dateBusiness-specific schedule effective 30 April 2026
See plans

Fees

e-Trader annual account maintenanceAED 1,700
Plus charge below AED 50,000 average relationship balance · per monthAED 525
Premium charge below AED 250,000 average relationship balance · per monthAED 525
See all fees

Use cases

Use casesBusiness accounts, International payments, Payroll

Plans

e-Trader

EligibilityUAE or GCC national with a Dubai DED Trader licence for social or online trade
Monthly average relationship balanceNo minimum published
Account maintenanceAnnual charge after the first year; see Fees
Included teller transactionsFive per month
Included online local transfersFive per month

Business Plus

Monthly average relationship balanceAED 50,000; below-balance charge applies
Included teller transactionsFive per month
Included online local transfersFive per month

Business Premium

Monthly average relationship balanceAED 250,000; below-balance charge applies
Included teller transactionsTen per month
Included online local transfersTen per month

Business Infinite

Monthly average relationship balanceAED 500,000; below-balance charge applies
Included teller transactionsFifteen per month
Included online local transfersFifteen per month

Business Ultimate

AED 1,050 per month

Waived if the account balance exceeds AED 3.5 million on any day in the month.

Account-charge waiverBalance above AED 3.5 million on any day in the month
Included teller transactionsThirty per month
Online local transfersPer-transaction charge; see Fees

Fees

1,700AED

e-Trader annual account maintenance

First year waived.

525AED

Plus charge below AED 50,000 average relationship balance · per month

525AED

Premium charge below AED 250,000 average relationship balance · per month

Infinite charge below AED 500,000 average relationship balance · per monthAED 630
Ultimate account charge · per monthAED 1,050*

*Waived if the account balance exceeds AED 3.5 million on any day in the month.

Business alerts setup, e-Trader through InfiniteAED 26.25*

*Waived when subscribed to SME online banking.

First business cheque book, all packagesFree
Later cheque book, e-Trader through InfiniteAED 52.5
Later cheque book, UltimateFree
Corporate cheque-book issuance, all packagesAED 3,150
Bulk cash transaction of at least AED 1 million: minimum chargeAED 105
Bulk cash deposit or withdrawal of at least AED 1 million0.01% of transaction value, minimum AED 105
Third-party cash-cheque withdrawal up to AED 250,000, all packagesAED 105
Third-party cash-cheque withdrawal over AED 250,000, e-Trader through InfiniteAED 210
Third-party cash-cheque withdrawal over AED 250,000, UltimateAED 105
Foreign-currency cheque collection within UAEAED 52.5
Foreign-currency cheque collection outside UAE0.125% of cheque value, minimum AED 262.50
Cheque collection, all packagesAED 105 plus courier charges
Incoming foreign-currency transfer, all packagesFree
USD transfer under OUR: upfront correspondent chargeUSD 18 in addition to transfer charge
Payment tracer, recall or SWIFT copy, all packagesFree
Ultimate WPS salary SIF file and recordFree
e-Trader through Infinite WPS salary SIF fileAED 210 per file plus AED 0.525 per record
UAE FTS bulk transferAED 26.25 per beneficiary bank plus Central Bank charge
First debit-card issuance, all packagesFree
Debit-card replacement, e-Trader through InfiniteAED 26.25
Debit-card replacement, UltimateFree
Debit-card currency conversion, all packages2.1% excluding card-franchise charges
Other UAE-bank ATM balance enquiryAED 1
Other UAE-bank ATM declined transactionAED 1
Other UAE-bank ATM cash withdrawalAED 2
Standing-instruction execution within DIBFree
Account-closure certificateAED 105
Ultimate cash collection, per pickupActual cost
e-Trader Business Online setupFree
Plus Business Online setupAED 1,050
Premium Business Online setupAED 788
Infinite Business Online setupAED 525
Ultimate Business Online setupAED 263
e-Trader Additional Business Online userFree
Plus Additional Business Online userAED 105
Premium Additional Business Online userAED 105
Infinite Additional Business Online userAED 105
Ultimate Additional Business Online userFree
e-Trader Business Online annual maintenanceFree
Plus Business Online annual maintenanceAED 1,050
Premium Business Online annual maintenanceAED 1,050
Infinite Business Online annual maintenanceAED 1,050
Ultimate Business Online annual maintenanceAED 1,050
e-Trader Business SMS/email alert user, monthlyAED 15.75
Plus Business SMS/email alert user, monthlyAED 15.75
Premium Business SMS/email alert user, monthlyAED 10.5
Infinite Business SMS/email alert user, monthlyAED 10.5
Ultimate Business SMS/email alert user, monthlyFree
e-Trader Teller transaction after monthly allowanceAED 42
Plus Teller transaction after monthly allowanceAED 42
Premium Teller transaction after monthly allowanceAED 42
Infinite Teller transaction after monthly allowanceAED 42
Ultimate Teller transaction after monthly allowanceAED 42
e-Trader Branch domestic telex transferAED 52.5
Plus Branch domestic telex transferAED 52.5
Premium Branch domestic telex transferAED 42
Infinite Branch domestic telex transferAED 26.25
Ultimate Branch domestic telex transferAED 5.25
e-Trader Online domestic telex after monthly allowanceAED 52.5
Plus Online domestic telex after monthly allowanceAED 52.5
Premium Online domestic telex after monthly allowanceAED 42
Infinite Online domestic telex after monthly allowanceAED 26.25
Ultimate Online domestic telex after monthly allowanceAED 1.05
e-Trader Branch international telex, plus correspondent chargesAED 78.75
Plus Branch international telex, plus correspondent chargesAED 78.75
Premium Branch international telex, plus correspondent chargesAED 63
Infinite Branch international telex, plus correspondent chargesAED 63
Ultimate Branch international telex, plus correspondent chargesAED 36.75
e-Trader Online international telex, plus correspondent chargesAED 52.5
Plus Online international telex, plus correspondent chargesAED 52.5
Premium Online international telex, plus correspondent chargesAED 42
Infinite Online international telex, plus correspondent chargesAED 36.75
Ultimate Online international telex, plus correspondent chargesAED 26.25
e-Trader Customer-requested payment amendmentAED 52.5
Plus Customer-requested payment amendmentAED 52.5
Premium Customer-requested payment amendmentAED 52.5
Infinite Customer-requested payment amendmentFree
Ultimate Customer-requested payment amendmentFree
e-Trader Outward cheque special clearingAED 210
Plus Outward cheque special clearingAED 210
Premium Outward cheque special clearingAED 210
Infinite Outward cheque special clearingAED 210
Ultimate Outward cheque special clearingAED 105
e-Trader Cheque stop paymentAED 105*

*Ultimate also pays the applicable telex charge.

Plus Cheque stop paymentAED 105*

*Ultimate also pays the applicable telex charge.

Premium Cheque stop paymentAED 105*

*Ultimate also pays the applicable telex charge.

Infinite Cheque stop paymentAED 105*

*Ultimate also pays the applicable telex charge.

Ultimate Cheque stop paymentAED 10.5*

*Ultimate also pays the applicable telex charge.

e-Trader Returned inward chequeAED 420
Plus Returned inward chequeAED 420
Premium Returned inward chequeAED 315
Infinite Returned inward chequeAED 315
Ultimate Returned inward chequeAED 315
e-Trader Cheque copy or detail younger than six monthsAED 105
Plus Cheque copy or detail younger than six monthsAED 105
Premium Cheque copy or detail younger than six monthsFree
Infinite Cheque copy or detail younger than six monthsFree
Ultimate Cheque copy or detail younger than six monthsFree
e-Trader Cheque copy or detail older than six monthsAED 157.5
Plus Cheque copy or detail older than six monthsAED 157.5
Premium Cheque copy or detail older than six monthsAED 105
Infinite Cheque copy or detail older than six monthsFree
Ultimate Cheque copy or detail older than six monthsFree
e-Trader Post-dated cheque storage, per instrumentAED 26.25
Plus Post-dated cheque storage, per instrumentAED 26.25
Premium Post-dated cheque storage, per instrumentAED 26.25
Infinite Post-dated cheque storage, per instrumentAED 10.5
Ultimate Post-dated cheque storage, per instrumentAED 5.25
e-Trader Post-dated cheque replacement or early withdrawalAED 26.25
Plus Post-dated cheque replacement or early withdrawalAED 26.25
Premium Post-dated cheque replacement or early withdrawalAED 26.25
Infinite Post-dated cheque replacement or early withdrawalAED 10.5
Ultimate Post-dated cheque replacement or early withdrawalAED 5.25
e-Trader Branch manager's cheque issuanceAED 52.5
Plus Branch manager's cheque issuanceAED 52.5
Premium Branch manager's cheque issuanceAED 52.5
Infinite Branch manager's cheque issuanceAED 52.5
Ultimate Branch manager's cheque issuanceAED 26.25
e-Trader Inward demand-draft or manager's-cheque collectionAED 105
Plus Inward demand-draft or manager's-cheque collectionAED 105
Premium Inward demand-draft or manager's-cheque collectionAED 105
Infinite Inward demand-draft or manager's-cheque collectionAED 105
Ultimate Inward demand-draft or manager's-cheque collectionAED 52.5
e-Trader Branch demand-draft issuanceAED 52.5
Plus Branch demand-draft issuanceAED 52.5
Premium Branch demand-draft issuanceAED 52.5
Infinite Branch demand-draft issuanceAED 52.5
Ultimate Branch demand-draft issuanceAED 26.25
e-Trader Branch manager's-cheque or demand-draft cancellationAED 157.5
Plus Branch manager's-cheque or demand-draft cancellationAED 157.5
Premium Branch manager's-cheque or demand-draft cancellationAED 157.5
Infinite Branch manager's-cheque or demand-draft cancellationAED 157.5
Ultimate Branch manager's-cheque or demand-draft cancellationAED 105
e-Trader Online manager's-cheque issuanceAED 42
Plus Online manager's-cheque issuanceAED 42
Premium Online manager's-cheque issuanceAED 31.5
Infinite Online manager's-cheque issuanceAED 21
Ultimate Online manager's-cheque issuanceAED 10.5
e-Trader Online inward draft or manager's-cheque collectionAED 78.5
Plus Online inward draft or manager's-cheque collectionAED 78.5
Premium Online inward draft or manager's-cheque collectionAED 52.5
Infinite Online inward draft or manager's-cheque collectionAED 31.5
Ultimate Online inward draft or manager's-cheque collectionAED 15.75
e-Trader Online demand-draft issuanceAED 42
Plus Online demand-draft issuanceAED 42
Premium Online demand-draft issuanceAED 31.5
Infinite Online demand-draft issuanceAED 21
Ultimate Online demand-draft issuanceAED 10.5
e-Trader Online draft or manager's-cheque cancellationAED 105
Plus Online draft or manager's-cheque cancellationAED 105
Premium Online draft or manager's-cheque cancellationAED 63
Infinite Online draft or manager's-cheque cancellationAED 52.5
Ultimate Online draft or manager's-cheque cancellationAED 26.25
e-Trader Direct-debit authority setup, amendment or cancellationAED 105
Plus Direct-debit authority setup, amendment or cancellationAED 105
Premium Direct-debit authority setup, amendment or cancellationAED 78.75
Infinite Direct-debit authority setup, amendment or cancellationAED 52.5
Ultimate Direct-debit authority setup, amendment or cancellationFree
e-Trader Direct-debit insufficient-funds responseAED 210
Plus Direct-debit insufficient-funds responseAED 210
Premium Direct-debit insufficient-funds responseAED 183.75
Infinite Direct-debit insufficient-funds responseAED 157.5
Ultimate Direct-debit insufficient-funds responseAED 105
e-Trader Direct-debit stop payment or cash replacementAED 210
Plus Direct-debit stop payment or cash replacementAED 210
Premium Direct-debit stop payment or cash replacementAED 183.75
Infinite Direct-debit stop payment or cash replacementAED 157.5
Ultimate Direct-debit stop payment or cash replacementAED 105
e-Trader Direct-debit authority confirmationAED 42
Plus Direct-debit authority confirmationAED 42
Premium Direct-debit authority confirmationAED 31.5
Infinite Direct-debit authority confirmationAED 21
Ultimate Direct-debit authority confirmationFree
e-Trader Automated sweep initial setupAED 262.5
Plus Automated sweep initial setupAED 262.5
Premium Automated sweep initial setupAED 157.5
Infinite Automated sweep initial setupAED 105
Ultimate Automated sweep initial setupFree
e-Trader Automated sweep modificationAED 157.5
Plus Automated sweep modificationAED 157.5
Premium Automated sweep modificationAED 105
Infinite Automated sweep modificationAED 75
Ultimate Automated sweep modificationFree
e-Trader Automated sweep cancellationAED 52.5
Plus Automated sweep cancellationAED 52.5
Premium Automated sweep cancellationAED 26.25
Infinite Automated sweep cancellationAED 26.25
Ultimate Automated sweep cancellationFree
e-Trader Standing-instruction setup, amendment or cancellationAED 52.5
Plus Standing-instruction setup, amendment or cancellationAED 52.5
Premium Standing-instruction setup, amendment or cancellationAED 52.5
Infinite Standing-instruction setup, amendment or cancellationAED 26.25
Ultimate Standing-instruction setup, amendment or cancellationAED 5.25
e-Trader Standing instruction to another UAE bank, plus transfer and correspondent chargesAED 52.5
Plus Standing instruction to another UAE bank, plus transfer and correspondent chargesAED 52.5
Premium Standing instruction to another UAE bank, plus transfer and correspondent chargesAED 52.5
Infinite Standing instruction to another UAE bank, plus transfer and correspondent chargesAED 26.25
Ultimate Standing instruction to another UAE bank, plus transfer and correspondent chargesAED 5.25
e-Trader Standing instruction to a bank outside UAE, plus transfer and correspondent chargesAED 52.5
Plus Standing instruction to a bank outside UAE, plus transfer and correspondent chargesAED 52.5
Premium Standing instruction to a bank outside UAE, plus transfer and correspondent chargesAED 52.5
Infinite Standing instruction to a bank outside UAE, plus transfer and correspondent chargesAED 26.25
Ultimate Standing instruction to a bank outside UAE, plus transfer and correspondent chargesAED 5.25
e-Trader Standing-instruction insufficient-funds transactionAED 105
Plus Standing-instruction insufficient-funds transactionAED 105
Premium Standing-instruction insufficient-funds transactionAED 63
Infinite Standing-instruction insufficient-funds transactionAED 52.5
Ultimate Standing-instruction insufficient-funds transactionAED 26.25
e-Trader Account-balance certificateAED 210
Plus Account-balance certificateAED 210
Premium Account-balance certificateAED 210
Infinite Account-balance certificateAED 210
Ultimate Account-balance certificateFree
e-Trader Long-form company-formation letterAED 630
Plus Long-form company-formation letterAED 630
Premium Long-form company-formation letterAED 630
Infinite Long-form company-formation letterAED 630
Ultimate Long-form company-formation letterFree
e-Trader Short-form company-formation letterAED 315
Plus Short-form company-formation letterAED 315
Premium Short-form company-formation letterAED 315
Infinite Short-form company-formation letterAED 315
Ultimate Short-form company-formation letterFree
e-Trader Audit confirmation letterAED 210
Plus Audit confirmation letterAED 210
Premium Audit confirmation letterAED 210
Infinite Audit confirmation letterAED 210
Ultimate Audit confirmation letterFree
e-Trader Letter to government departmentAED 420
Plus Letter to government departmentAED 420
Premium Letter to government departmentAED 315
Infinite Letter to government departmentAED 210
Ultimate Letter to government departmentFree
e-Trader Capital letterAED 630
Plus Capital letterAED 630
Premium Capital letterAED 525
Infinite Capital letterAED 420
Ultimate Capital letterFree
e-Trader Reference letterAED 315
Plus Reference letterAED 315
Premium Reference letterAED 315
Infinite Reference letterAED 315
Ultimate Reference letterAED 105
e-Trader Release, clearance or no-liability letterAED 315
Plus Release, clearance or no-liability letterAED 315
Premium Release, clearance or no-liability letterAED 315
Infinite Release, clearance or no-liability letterAED 315
Ultimate Release, clearance or no-liability letterFree
e-Trader Liability letterAED 525
Plus Liability letterAED 525
Premium Liability letterAED 525
Infinite Liability letterAED 525
Ultimate Liability letterFree
e-Trader Duplicate statement covering up to three monthsAED 52.5
Plus Duplicate statement covering up to three monthsAED 52.5
Premium Duplicate statement covering up to three monthsAED 52.5
Infinite Duplicate statement covering up to three monthsAED 52.5
Ultimate Duplicate statement covering up to three monthsAED 52.5
e-Trader Duplicate statement covering three to six monthsAED 78.75
Plus Duplicate statement covering three to six monthsAED 78.75
Premium Duplicate statement covering three to six monthsAED 78.75
Infinite Duplicate statement covering three to six monthsAED 78.75
Ultimate Duplicate statement covering three to six monthsAED 78.75
e-Trader Duplicate statement covering six to nine monthsAED 105
Plus Duplicate statement covering six to nine monthsAED 105
Premium Duplicate statement covering six to nine monthsAED 105
Infinite Duplicate statement covering six to nine monthsAED 105
Ultimate Duplicate statement covering six to nine monthsAED 105
e-Trader Duplicate statement covering nine to 12 monthsAED 157.5
Plus Duplicate statement covering nine to 12 monthsAED 157.5
Premium Duplicate statement covering nine to 12 monthsAED 157.5
Infinite Duplicate statement covering nine to 12 monthsAED 157.5
Ultimate Duplicate statement covering nine to 12 monthsAED 157.5
e-Trader Duplicate statement covering over 12 monthsAED 262.5
Plus Duplicate statement covering over 12 monthsAED 262.5
Premium Duplicate statement covering over 12 monthsAED 262.5
Infinite Duplicate statement covering over 12 monthsAED 262.5
Ultimate Duplicate statement covering over 12 monthsAED 262.5
e-Trader Cash collection, per pickupAED 140
Plus Cash collection, per pickupAED 140
Premium Cash collection, per pickupAED 130
Infinite Cash collection, per pickupAED 120

Good to know

e-Trader eligibility

The e-Trader account is for a UAE or GCC national holding a Dubai DED Trader licence for online or social selling. Its annual maintenance charge begins after the first year.

Balance tests

Plus, Premium and Infinite incur their monthly charges only below the respective average relationship balances. Ultimate's monthly charge is waived if the balance exceeds AED 3.5 million on any day of the month.

Included transactions

The five packages include five, five, ten, fifteen and thirty teller transactions monthly. Online domestic transfer allowances differ; further transactions are charged separately.

International costs

Correspondent-bank charges can be added to overseas transfers. An upfront USD 18 correspondent charge applies when a USD transfer uses OUR allocation.

Cheque collection

Cheque collection can add courier costs to the bank's processing charge. Foreign-currency collections outside UAE use a percentage with a published minimum.

Account documents

Company formation documents and signatory authority depend on the business legal form; DIB may request a board resolution, memorandum or power of attorney.

Important stuff

DIB business schedule of charges (effective Apr 2026)

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DIB business current-account key facts (May 2025)

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DIB general schedule of charges (Oct 2026)

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