Open Dubai Islamic Bank Zero Balance Account?

The Dubai Islamic Bank is renowned for offering numerous exquisite financial products in the UAE, with its zero balance account being one of the top options for the same. As you go through this article, you will acquire relevant information about the zero balance account in Dubai Islamic Bank, which is also known as the Shaatir Savings Account. The article will explain all the crucial details about the savings account, like the process of opening the account and the ways to access it, eligibility criteria, and more.

Zero Balance Account - An Overview

Financial institutions offer various services to their users to deal with their finances efficiently, with most banks allowing individuals to open a zero balance account. Generally, a zero balance account implies that the account holder is not under an obligation of maintaining a minimum balance in their savings account. It can also mean that the person is not required to pay a certain amount at the time of opening the bank account. 

With this feature, a zero balance account gives you the flexibility and freedom to maintain your account. It is indeed a great advantage that, unlike any other account, your financial institution will not impose any fine even when you don’t have a balance in your zero balance account. As there can be several emergencies where you may require monetary help, you won’t have to bother about any fines for withdrawing the entire amount available in your account with a zero balance account

Advantages of Having a Zero Balance Account

When you opt for a Dubai Islamic zero balance account or a similar one from any leading provider, you can enjoy get many benefits and offers as listed below:

  • No requirement to maintain a minimum salary
  • No need to maintain a minimum monthly balance
  • A zero balance account may not even require any initial deposit at the time of opening the account
  • Even non-regular users or new users of a specific bank are mostly qualified to open zero balance account 

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Features and Benefits of Dubai Islamic Bank Zero Balance Account

As mentioned earlier, a zero balance bank account comes with numerous exclusive benefits. Given below are the major merits of having a zero balance account in Dubai Islamic bank-

  • This savings bank account allows minors (individuals aged below 18) to open an account
  • No cooling-off period included
  • No need to maintain a minimum balance
  • Higher profits generally expected
  • No maintenance fee charged by the bank for the Shaatir Savings account.

How to Open a Dubai Islamic Bank Zero Balance Account? 

There are several ways to open a zero balance account in Dubai Islamic bank, with both online and offline modes of application being available to users. 

Go through the following steps to find out about the application process for the same - 

Online Process

A) Online Banking

  • To open a zero balance account in Dubai Islamic bank, you can always go to the official website of the DIB. 
  • Hit the ‘Al Islami Online Banking’ section once you are on the DIB website. 
  • Click on the ‘New User’ tab. 
  • Select the ‘Register Now’ option next.
  • Provide all the necessary details and continue with the on-screen instructions.

B) Mobile Application Banking 

If you wish to open a new Dubai Islamic Bank zero balance account, your card number and PIN are all you need to complete the process. 

Simply download and install the official DIB application on your smartphone and open it. Get started with the on-screen prompted instructions, where only the mentioned details may be asked for the application procedure. 

Alternatively, if you already have an online banking zero balance account in DIB, you can complete the mobile banking registration by using your online banking credentials.

Offline Banking

A) Phone Banking

You can perform several operations related to the zero balance account through phone banking. For this, you can simply get your number registered with the bank offline or on the website and connect to the bank’s official phone banking contact number to complete the procedures required for your service.  

B) Visiting a Branch

The possibility of an individual facing an issue with the online registration process of opening a Dubai Islamic bank zero balance account is always present (whether due to errors of the online portal or individual errors). In such circumstances, you can directly consult a customer representative by visiting your nearest DIB branch where one of the concerned personnel will help you get done with all the required application process. 

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Eligibility Criteria for Opening a Zero Balance Account with Dubai Islamic Bank

To open a zero balance account in Dubai Islamic Bank, an applicant must be a UAE national or have valid resident documents. It should be noted that if the applicant is a minor, they must present the following documents as mentioned below - 

  • Parents’ consent letter (if the applicant is a minor)
  • ID documentation of the guardian
  • ID documentation of the child

Documents Required to Open a Dubai Islamic Bank Zero Balance Account 

It is necessary to present the following documents when opening a zero balance account in Dubai Islamic bank - 

  • Valid Emirates ID
  • Valid passport
  • Valid residence Visa (applicable only for UAE ex-pats)
  •  A fund source or proof of income or trade licence
  • Account opening application
  • Address proof like a utility bill
  • Signed Foreign Account Tax Compliance Act and Common Reporting Standard declaration (if applicable)

How to Access Dubai Islamic Bank Zero Balance Account?

Once you open your zero balance account, you can avail of different media to access the account. With the enhancement of technology, Dubai Islamic bank provides the facility of viewing your account and the related details online. 

The following section will focus on all the sources through which you can login to your Dubai Islamic Bank zero balance account -

A) Mobile Banking

You can easily access your DIB zero balance account through the DIB mobile app if you are an Android or Apple user, with the application available on both the Apple and Google Play stores. You can install the application directly or scan the QR code on the official DIB website for the same. After that, perform the following steps - 

  1. Tap on the ‘Register’ icon on your screen
  2. Provide the required card and PIN details 
  3. Once the details are validated, enter the required credentials, i.e., your username and password 
  4. Finally, type in the security information to start using any feature of the account 

B) Online Banking

It is convenient to use the online banking service of the DIB, with features like the transfer of funds and online payments becoming hassle-free. This ease of access is backed by the higher security level of the accounts, which reduces the chances of your account getting hacked. Moreover, the online banking experience lets you access your account anywhere at any time.

To start using this facility, check out the instructions below -

  1. Visit the official website of Dubai Islamic bank
  2. Go to the ‘Quick Login’ section
  3. Provide your card and PIN 
  4. As you receive the OTP on your registered mobile number, enter it to get access to the account

C) WhatsApp Banking

Besides using WhatsApp as a social media platform, several banks across the UAE have introduced WhatsApp banking as well. Users can acquire any data related to their Dubai Islamic zero bank account via the app, which is quite convenient and safe to use. 

To utilise the WhatsApp banking service, follow the below-given registration process - 

  1. Add +97146092222 to your WhatsApp contact list
  2. Send a message, typing ‘Hi’ on the same number from your bank's registered mobile number
  3. Once you receive the welcome message, tap on the ‘Subscribe’ button
  4. Provide any one detail from your account number, CIF number, or the last 6 digits of your credit card number
  5. An OTP will be sent to your registered mobile number
  6. Enter the OTP here and submit it to start availing the services 

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D) SMS Banking

With SMS banking, you can obtain information about your transactions and even get alerts every time an amount is debited or credited to your account. So if you have got any queries regarding your utility bills and other bill payments, you can simply use the SMS service for the required clarifications. 

To access the facility, here is what you will need to do - 

  1. Go to your mobile banking, express banking terminal, or online banking account. 
  2. Move to the ‘Services’ section. 
  3. Click on the SMS banking registration option. 

There are alternate options to start the SMS banking as well - 

  1. Visit a Dubai Islamic Bank ATM
  2. Go to the ‘Others’ section there and tap on SMS banking


  1. Fill in the Electronic Banking Service registration form 
  2. After that, you will receive a confirmation SMS
  3. Once asked to enter a 4-digit PIN, type it, and send it to the number 4222 
  4. Finally, you will receive an activation SMS. To make any queries, use the 4-digit PIN you created. 

E) Phone Banking

If you wish to open new investment deposits, seek information regarding your account, or complete several other processes, you can utilise phone banking to make the process simple and hassle-free. You can also keep a record of your monthly spending and even pay different types of bills like utilities, Salik, DEWA, SEWA, and many more with phone banking. 

To start this service, go through the following instructions - 

  1. Sign in to your online banking account or go to the Express Banking Terminal
  2. Under the ‘Services’ section, click on Phone Banking registration 

F) Offline Visit to the DIB Branch

Among the most common and traditional ways to acquire information about your Dubai Islamic Bank zero bank account is to visit your nearest DIB branch. Simply visit a bank branch and get in touch with one of the bank representatives to seek the required assistance.  


Opening a zero balance account in Dubai Islamic bank involves a fairly easy process, with the bank offering the opportunity to apply for a zero balance account via numerous routes. Once you complete the process of opening the account via any of the selected methods, you will get access to the various benefits of the zero balance account.  

To check out some quick facts related to DIB zero balance account, have a glance at the section below:


Q1: Which services are provided when opening a Dubai Islamic Bank zero balance account via mobile banking?

Ans: With the mobile banking service, you can transfer funds, and view your zero balance account and all the details related to it like the transactions made, the credit and debit amounts, and more. Moreover, if you have a debit card, you can activate the card and block it as well.  

Q2: What are the points to be noted when using an online banking for zero balance account in Dubai Islamic bank?

Ans: To keep yoxur Dubai Islamic zero balance account, secure via online banking, you must follow the points given below-

  • As the bank never asks you for your personal bank-related information (either through a call or SMS), you should not provide the information on the mentioned platforms
  • Make sure to logout from your online banking account so that no one else can have access to it and fetch all the crucial information
  • Avoid clicking on links sent to you via suspicious emails
  • Keep your devices updated with all the latest security updates

Q3: What are the services available for a zero balance account in WhatsApp banking?

Ans: Using the WhatsApp banking option for your zero balance account, you can access various banking facilities to verify your account balance, transfer funds, complete bill payments, and more.

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