| Dubai Branch Details | Verified Identifiers and Contacts |
|---|---|
|
Legal Name Dubai Islamic Bank Public Joint Stock Company |
Regulator Licensed & regulated by the Central Bank of the UAE |
|
Primary Dubai Location Al Maktoum Road, Deira (Dubai) P.O. Box 1080, Dubai, UAE |
Phone Banking Within UAE: 04 609 2222 Outside UAE: +971 4 609 2222 Email: contactus@dib.ae |
|
Opening Date Officially opened on 15 September 1975 |
Website https://www.dib.ae |
|
International Transfer Codes SWIFT: DUIBAEAD Routing Number: 802420101 |
Digital Channels alt online, alt mobile, alt business online, alt phone banking |
|
Regular Dubai Branch Hours Many Dubai locations follow similar hours (varies by branch).
|
Payment Features Seen In Dubai Channels Apple Pay, Samsung Pay, UAE PASS, and Aani are listed under DIB’s digital/payments services. |
|
Customer Segments Wajaha Private Banking, Aayan Exclusive Banking, Mumayyaz Privilege Banking |
Market Reference DFM: DIB (as used in DIB investor communications) |
Dubai Islamic Bank (DIB) is a Dubai-headquartered institution with a long operating history in the UAE.
In day-to-day use, what matters most is simple: clear channels, recognizable branch access, and practical product coverage.
DIB Presence In Dubai
In Dubai, DIB branches range from traditional street locations to mall-based formats, and the bank also supports digital-first servicing through its alt platforms.
Many customers use a mix: a nearby branch visit for certain requests, plus apps and online banking for routine tasks.
If you plan a branch visit, focus on the exact location and its service type.
Dubai includes mall branches with shift-based hours, while classic branches often follow weekday-and-Saturday patterns.
That small detail can save a lot of time, honestly.
How DIB’s Sharia-Compliant Banking Works
Islamic banking is built around asset-backed structures and contract clarity.
In practice, that means DIB products typically rely on well-known formats such as Murabaha, Ijara, and Wakala depending on the product type.
| Contract Type | Common Use | Customer Experience |
|---|---|---|
| Murabaha | Structured purchases and financing | A known cost structure with agreed terms |
| Ijara | Lease-based arrangements | Payments align with a leasing model |
| Wakala | Deposit/investment agency structures | A mandate-based approach to placement |
| Sukuk | Capital markets and investment portfolios | Often used in institutional and treasury contexts |
Personal Banking Products In Dubai
For day-to-day needs, personal banking at DIB typically centers on accounts, cards, and financing options.
Dubai customers often care about speed, service access, and transparent terms more than fancy wording.
-
Accounts:
current and savings-style structures, with digital statements and everyday payments support. -
Cards:
options designed for everyday spending, with common payment integrations where available. -
Auto and Home Finance:
structured finance offerings that align with Sharia-compliant contract frameworks. -
Deposits:
products that may present profit rates rather than conventional interest language.
A small but real detail: if you want branch servcies (cash counters, document stamping, or special requests), pick a location that clearly supports full banking services.
Some mall branches run a two-shift model where the later shift may focus on sales activity.
Business and Corporate Banking In Dubai
Dubai’s business scene is fast and global, so business banking needs to be reliable and scalable.
DIB covers a broad range, from SME accounts to corporate solutions and treasury activity.
| Area | What It Typically Covers |
|---|---|
| Business Banking | Accounts, payments, collections, and day-to-day cashflow tools |
| Corporate Banking | Structured financing, sector solutions, and larger facility arrangements |
| Treasury | FX and money-market activity, liquidity and hedging-style needs |
| Investment Banking | Capital markets services, including Sukuk-related activity where applicable |
Digital Banking and Payments In Dubai
DIB’s alt digital channels are designed for everyday control: viewing balances, moving funds, and handling routine requests.
Dubai customers who value speed often rely on alt online and alt mobile, then use a branch for the occasional in-person step.
- alt online and alt mobile for daily account actions and transfers.
- alt business online for business users who need a dedicated workflow.
- alt phone banking for assisted access and account services by phone.
- Payments features listed under DIB channels include Apple Pay, Samsung Pay, UAE PASS, and Aani (availability can vary by device and setup).
International Transfers From Dubai
When sending money abroad, the key is using the correct SWIFT code and matching account details.
For DIB, the SWIFT code is DUIBAEAD.
For some rails you may also see a routing number referenced as 802420101.
A clean transfer setup usually needs: beneficiary name, IBAN or account number, bank name, country, plus the correct SWIFT.
Small mismatch? Big delay. Keep it tidy.
What To Bring For A Dubai Branch Visit
Branch processes can differ by product, but the core goal is consistent: identity verification and customer profiling.
In Dubai, that usually means you arrive with the right documents so the request can move on the spot, not after a second visit.
Requirements vary by residency status and the exact service.
- UAE Residents: commonly bring Emirates ID and supporting documents tied to the product (address and income details may be requested).
- Visitors or Non-Residents: availability can depend on the product; bring passport and any supporting residency or address documents relevant to your situation.
- Businesses: expect trade license, ownership documents, and authorized signatory proof for company account requests.
Fees and Profit Rates
Pricing is product-specific, so treat “fees” as a structure, not a single number.
DIB provides formal documents such as a schedule of charges and product statements for transparency.
If you’re comparing options, the clean approach is to focus on total cost over time and the exact service pattern you’ll actually use.
Recent Financial Snapshot
For readers who follow Dubai banking trends, DIB’s public updates are useful signals of scale.
DIB reported FY 2024 results with AED 8,165 million net profit and AED 345 billion total assets.
In 9M 2025, DIB reported record revenues of AED 9.7 billion with total assets at AED 393 billion.
| Period | Selected Public Metrics |
|---|---|
| FY 2024 |
Pre-tax profit: AED 9,005 million Net profit: AED 8,165 million Total income: AED 23,341 million Total assets: AED 345 billion |
| 9M 2025 |
Operating revenue: AED 9.7 billion Pre-tax profit: AED 6.6 billion Total assets: AED 393 billion Customer deposits: AED 302 billion |
Common Questions
Which code should I use for an overseas transfer?
Use the bank’s SWIFT code for international transfers. For DIB, that is DUIBAEAD.
If a form asks for it, you may also see Routing Number 802420101.
Do Dubai branches share the same working hours?
Many Dubai branches follow a similar pattern, yet mall branches can run different shifts.
The safest step is to confirm the exact branch name and its posted hours before you go.
A 10-second check can prevent a wasted trip.
What’s the simplest way to reach DIB from Dubai?
For general inquiries, Phone Banking is a common starting point: 04 609 2222.
If you prefer email, use contactus@dib.ae.
