Dubai Islamic Bank Al Islami 2 in 1 Account

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Dubai Islamic Bank is one of the largest joint-stock companies listed on the Dubai Financial Market. With the growing evolution of the Global Islamic Finance Industry, the bank has also become the third-largest Islamic bank in the world.

With 90 branches in the UAE, Dubai Islamic bank is present in seven markets across the world. The bank is expanding its global presence into developing the industry further.

Dubai Islamic Bank establishes excellent relations with its customers and intends to offer them the best banking products. The bank’s wide range of financial solutions includes bank accounts, debit cards, credit cards, mortgages, loans, fixed deposits and much more.

Dubai Islamic Bank Al Islami 2 in 1 Account is one of the best current accounts the bank offers. Al Islami 2 in 1 Account comes with a combination of multiple features to help account holders manage their finances in a better way.

Keep reading to learn more about Dubai Islamic Bank Al Islami 2 in 1 Account.

Features & Benefits of Dubai Islamic Bank Al Islami 2 in 1 Account

Here is the list of features and benefits that the Dubai Islamic Bank Al Islami 2 in 1 Account offers.

1. Minimum Balance Requirement

The account holders need to maintain a minimum account balance of AED 3,000 to open their Dubai Islamic Bank Al Islami 2 in 1 Account. However, the account opening balance for salaried customers is AED 500.

2. Available in AED

The applicants can open Dubai Islamic Bank Al Islami 2 in 1 Account in AED only.

3. Bill Payment Facilities

Dubai Islamic Bank Al Islami 2 in 1 Account allows account holders to make easy bill payments. Here are a few helpful bill payment options.

  • Telecommunication - Du and Etisalat
  • Properties - EMAAR
  • Airlines - flydubai and Air Arabia
  • Utilities - ADDC, SEWA, FEWA, DEWA, Emicool and Ajman Sewerage
  • Government Services - Trakhees, Noqodi, DED and RTA

4. Interest Rate

Dubai Islamic Bank Al Islami 2 in 1 Account offers an interest rate of up to 0.30% per annum on the average balance maintained in the bank account.

5. Free Electronic Banking

Dubai Islamic Bank Al Islami 2 in 1 Account offers various electronic banking options, including phone banking, online banking, ATMs, cheque deposit machines and much more.

6. Daily Cash Withdrawal Limit

Unlike other current accounts, Dubai Islamic Bank Al Islami 2 in 1 Account offers a daily cash withdrawal limit of up to AED 75,000.

7. Free Monthly E-Statement

Dubai Islamic Bank Al Islami 2 in 1 Account provides account holders with free monthly e-statements. The account holders get these account statements sent to their registered email ids.

8. No Monthly Fee

The bank applies no monthly charges if the account holders manage to maintain a minimum balance of AED 3,000 in the account. However, if they fail to maintain the average minimum balance, a monthly fee of AED 25 will be applied.

9. Free Chequebook

Dubai Islamic Bank Al Islami 2 in 1 Account provides the account holders with one free chequebook. However, if they need more chequebooks, the bank will charge AED 25 per chequebook.

10. Free Teller Transactions

With Dubai Islamic Bank Al Islami 2 in 1 Account, the account holders can make the first six teller transactions for free every month. They need to pay AED 10 per transaction for each transaction done post the six transactions.

11. Full-Time Help and Support

Dubai Islamic Bank Al Islami 2 in 1 Account provides the account holders with a 24x7 helpline. They can call the bank anytime to seek assistance.

12. Free DIB Debit Card

With Dubai Islamic Bank Al Islami 2 in 1 Account, the account holders get a free debit card with multiple excellent benefits. The account holders can use this debit card at any local or international retail outlet for shopping. The DIB Debit Card provides the account holders with a daily purchase limit of AED 15,000 and a daily transaction limit of AED 10,000.

Benefits of Using Johara Debit Card

Here is the list of benefits that the Al Islami Classic Debit Card offers.

  • Instant access to Dubai Islamic Bank Loyalty Program - Wala’a Rewards
  • Earn loyalty program reward points using Al Islami Classic Debit Card on any retail outlets (not applicable in European countries). The account holders can further redeem these shopping points for paying hotel bills, booking flights tickets, etc.
  • Earn Wala’a reward points from bill payments done using Johara Debit Card (except Government Services category including utility bill payments)
  • Daily cash withdrawal of AED 75,000 per day
  • Discounts on dining, travel and entertainment
  • Attractive discounts and offers on some chosen brands

Services Provided by VISA Representative Team

Dubai Islamic Bank provides the Al Islami 2 in 1 Account holders with a dedicated VISA representative team to help them find answers to their queries.

Here are the services that the VISA representative team offers.

  • Replace your debit card within three working days if required
  • Provide emergency cash at 270,000 locations worldwide
  • Block your bank account from fraudulent purchases

Eligibility Criteria for Dubai Islamic Bank Al Islami 2 in 1 Account

Here are the eligibility criteria for Dubai Islamic Bank Al Islami 2 in 1 Account.

  • The monthly average balance of AED 3,000
  • A minimum account opening balance of AED 3,000

Documents Required for Opening a DIB Al Islami 2 in 1 Account

Here are the documents required to open a Dubai Islamic Bank Al Islami 2 in 1 Account.

  • A copy of the original passport
  • A copy of the passport visa page
  • Emirates ID

How to Apply for Dubai Islamic Bank Al Islami 2 in 1 Account

Here are two simple ways for opening a Dubai Islamic Bank Al Islami 2 in 1 Account.

1. Apply Online

To open a Dubai Islamic Bank Al Islami 2 in 1 Account, the applicants can visit the bank’s online portal and fill out the application form. Further, the applicants need to upload the required documents.

2. Visit Bank’s Branch

The applicants can also open a Dubai Islamic Bank Al Islami 2 in 1 Account by visiting one of the bank’s branches. They need to carry all the required documents to submit along with the application form.

Frequently Asked Questions on Dubai Islamic Bank Al Islami 2 in 1 Account 

Q1: What is the opening balance required for Dubai Islamic Bank Al Islami 2 in 1 Account?
Ans: The applicants can open Dubai Islamic Bank Al Islami 2 in 1 Account with a minimum opening balance of AED 3,000.

Q2: Can I open my Dubai Islamic Bank Al Islami 2 in 1 Account in multiple currencies?
Ans: No, you can open a Dubai Islamic Bank Al Islami 2 in 1 Account in AED only.

Q3: How do I open a Dubai Islamic Bank Al Islami 2 in 1 Account?
Ans: You can open a Dubai Islamic Bank Al Islami 2 in 1 Account in two simple ways.

  • Fill out the online application form.
  • Visit the bank’s branch.

Q4: How can I access Dubai Islamic Bank Al Islami 2 in 1 Account?
Ans: You can access Dubai Islamic Bank Al Islami 2 in 1 Account using online and mobile banking.

Q5: Can I get a free chequebook or a debit card with Dubai Islamic Bank Al Islami 2 in 1 Account?
Ans: Yes, the account holders get one free chequebook and a debit card with their Dubai Islamic Bank Al Islami 2 in 1 Account.

Ruchi Gohri
Ruchi Gohri

Senior Content Writer | She has a penchant for writing and with over 5 years of experience, she plays around with words elegantly, crafting simple content for all to read. In her free time, she loves her couch either to read or catch on to her sleep.