Dubai Islamic Johara Savings Account

Savings Account is the most secure and safe way of earning a profit on your money while maintaining its liquidity. Incorporating the principles of Shari’a in its practices, Dubai Islamic Bank offers exciting benefits on your DIB Johara savings account. Its ease of transaction along with attractive interest rates make Dubai Islamic Bank Johara Savings Account one of the most preferable savings accounts in the UAE. 

What is Johara Savings Account?

Johara is a separate brand introduced by Dubai Islamic Bank to provide additional hassle-free services to women. Dubai Islamic Bank has opened separate branches for Johara customers. Besides, Johara Savings Account holders can avail of separate facilities in any DIB branch. The bank also gives special offers and facilities on Johara Savings Account.

Features & Benefits of Dubai Islamic Al Islami Savings Account

Maximize your savings

Offering a fairly high rate of profit on your deposits, Dubai Islamic Bank Johara Savings Account maximizes your savings. The profits as per the rate of interest are calculated and transferred to your Johara Savings account every quarter. Every 3 months you earn interest on your savings account balance. Besides, you also receive interest on the interest in the form of compound interest which increases your savings. You can earn these quarterly profits by meeting the eligibility criteria and not withdrawing money from your account more than once a month.

Johara Debit Card

With your DIB Johara Savings Account, you receive a ‘ladies first’ Johara Debit Card that provides you exciting offers on desserts, dining, fashion, jewelry, and shopping. You also receive Wala’s rewards and Visa Privileges with global service on your Johara Debit Card.


You do not need to visit Dubai Islamic bank personally to take advantage of the facilities on your DIB Johara Savings Account. With your savings account, you receive 24/7 access to your savings account. Using e-banking on your mobile app or visiting DIB’s website you can easily access your savings account from anywhere around the globe. Besides, the bank allows you six free teller transactions per month. With the consent of the parent(s)/guardian, this account can be opened for a minor as well. 

Salary in Advance

Has it ever happened that your monthly salary does not meet your needs and you seek other options to meet your additional expenses? If you need extra money, you do not need to look beyond your Dubai Islamic Bank Johara Savings Account. When you require extra credit in your account, Dubai Islamic Bank can credit up to 90% of the monthly net salary in advance to your Johara Savings account instantly. You can use this facility monthly if you return the full payment by the end of the month. 

The charges to use this facility service are:

Amount Processing Fee
AED 1,000 – AED 13,500 AED 309.75
AED 13,501 – AED 30,000 AED 525

Investment Deposits

Your DIB Johara Savings account is connected to an investment deposit multiplying profits on your savings. The bank invests an additional amount in your Johara Savings account to purchase various assets. The profit earned by the bank on your savings is shared with you. This provides you an additional interest in your savings. Most importantly, the amount in your Johara Savings remains liquid so you can withdraw it anytime you wish.

Paying Utility bills with Johara savings account

Sometimes, your busy schedule may cause you to forget the due date on your monthly bills attracting fines and additional charges. To avoid these fines, you may find a quick and easy method to pay your bills. With a DIB Johara savings account you can make hassle-free payments on your monthly bills at:

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

Pay bills using Johara Saving Account and put your mind at ease.  

Additional Benefits

  • On borrowing any loan or purchasing an additional financing product from DIB, you can set your Johara savings account on autopay mode which will allow your bank account to automatically deduce the outstanding amount from your account without requiring any further action from your side. 
  • Using your DIB Johara Savings Account, you can subscribe and annually pay for the Al Islami Takaful Savings program to secure your family’s future and provide them a better lifestyle. 

Interest Rate Offered by Johara Savings Account

You receive a rate of profit of 0.15% on your Dubai Islamic Bank Johara savings account regardless of your account balance but to earn more profits you are advised to maintain a minimum account balance of AED 3000 or above to receive an exemption from the monthly account maintenance fee.

Monthly Account Maintenance Fee AED 26.25*
Teller Fees (per transaction) (first 6 transaction free) AED 10.50
Private Banking Maintenance Fee (Per month) AED 210
Al Islami SMS Banking Free
Cheque Book Issuance (25 leaves) Free
Remit-to-ATM Free

*Monthly Account Maintenance Fee is exempted if you maintain the balance of AED 3000 or above.

Many services offered on your Johara Savings Account are free. You can also save at least AED 441 annually by not making more than 6 withdrawals per month and maintaining a minimum balance of AED 3000. 

Currency Accepted

Dubai Islamic Bank accepts both AED and USD currency for your Al Islami Savings Account.

Eligibility Criteria for Johara Savings Account

Any female 18 or above is eligible to open Johara Savings Account in Dubai Islamic Bank. All you need to do is show your ID and residential proof and deposit a minimum amount of AED 3000. In case, you are opening an account for a girl minor, you are expected to provide your bank documents along with your child’s ID and residence proof

Documents Required to Open a Dubai Islamic Johara Savings Account

  • Copy of Emirates ID
  • Visa
  • Passport Copy
  • Recent Salary Certificate
  • Residential Address Proof

How to Apply for Dubai Islamic Johara Savings Account

To open Johara Savings Account:

  1. Visit your nearest Dubai Islamic Bank branch
  2. Fill the Johara savings account application form
  3. Provide required documents along with original documents for verification purposes.

You can also open your Johara savings account at in less than 30 minutes. All you need is:

  1. Visit
  2. Enter your details
  3. Attach supporting documents
  4. Your account will be verified and opened

FAQs on Dubai Islamic Johara Savings Account

Q1: Can I access my savings account 24/7?

Answer: Yes, the DIB Johara savings account has 24/7 accessibility.

Q2: Is there separate eligibility required for the salary-in-advance offer?

Answer: You are eligible for the salary-in-advance offer if you receive your monthly salary from Dubai Islamic Bank.

Q3: What is the rate of interest on the DIB Johara Savings Account for currency in USD?

Answer: If you deposit your money in USD, the rate of profit is 0.01% per annum.

Q4: Is Johara savings account Shari’a compliant?

Answer: Yes, all the savings accounts of Dubai Islamic Bank are Shari’a compliant.

Q5: Is Johara Savings account for women only?

Answer: Yes

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