Opening a Dubai Islamic Bank (DIB) account online is straightforward and can be completed in just a few minutes. The process requires only your Emirates ID and a clear copy of your passport. Once submitted, the account is typically activated within two working days.
Who is Eligible?
Residents and expats living in the UAE can apply. You do not need to be a US citizen to proceed. One important requirement to note: this specific DIB account usually expects a minimum total monthly income of AED 3,000. If your total monthly income is below that, consider other zero-balance or digital banking options available in the UAE.
Documents and Items You Need
- Emirates ID (scan both front and back)
- Passport copy (original not required — a clear copy is fine)
- Mobile number and email for OTP verification and communication
- Clean white paper and a pen to create a signature that resembles the one on your Emirates ID
- A smartphone with the DIB mobile app installed for face verification and uploads
Step-by-Step: Open Your DIB Account using the Mobile App
- Download the DIB mobile app and open it. Choose “New customer” to start a fresh application.
- Enter your email address and mobile number, then verify the phone number by entering the OTP that will be sent to you.
- Choose the account type. You will be asked to select between a current and a savings account. Review the features and pick the one that best fits your needs.
- Confirm your non-US citizenship status if applicable, then proceed to the identity uploads.
- Scan your Emirates ID (front and back) and complete the face verification step.
- Upload a clear copy of your passport. If you do not have the original, a legible copy is acceptable.
- Sign your name on a clean white paper with a signature that closely matches the one on your Emirates ID. Scan or photograph that signature and upload it.
- Provide additional personal and employment information:
- Purpose of the account (personal use, salary, investments, financing, savings, etc.)
- Sponsor name (if applicable)
- Employment status (full-time, part-time, self-employed)
- Occupation
- Total monthly income — enter your total income, not just basic salary
- Enter address details: UAE address, street, city and your country of birth. Indicate any dual nationality if applicable.
- Provide anticipated banking activity:
- Expected monthly cash deposit
- Anticipated average account balance (since the account expects a minimum of AED 3,000, entering AED 3,000 is a safe option)
- Expected cash and non-cash transactions
- Read and accept the terms and conditions, then proceed to create your online banking credentials: choose a username and a strong password following the on-screen guidelines.
- Submit the application. The setup is quick and the account is usually activated within two working days.
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