Last Updated on 12 April 2026
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Sharjah Islamic Bank Current account
Current account
Features
- Operates under the Qard Hassan principle, meaning deposited funds are treated as an interest-free loan to the bank. No profit is paid on balances.
- Complimentary debit card enabling ATM withdrawals and POS purchases locally and internationally.
- Available in AED, USD, GBP, and EURO for international banking convenience.
- Full online and mobile banking services for transfers, bill payments, and account monitoring.
- Cheque book available upon request, subject to eligibility.
- Monthly electronic statements and transaction notifications for better control.
- Dedicated call center support around the clock.
- There is no monthly fees on this account.
- This account can be opened AED, USD, GBP and EURO
- You require a minimum balance of AED 3000 for individuals and AED 15000 for corporates, to take benefits of the account.
- There is no profit rate on this account.
Required Documents
- To open a Current Account, customers generally need:
- Completed account opening application form
- Valid passport copy
- Emirates ID
- UAE residence visa (for expatriates)
- Salary certificate or proof of income
- Last 6 months bank statement
- Minimum balance maintenance (typically AED 3,000)
- Applicant must be 21 years or older
- Additional documents may be requested based on bank policy.
Main Benefits
- Deposit and withdraw funds anytime without restrictions.
- Debit card, cheque facility, and digital banking for easy access.
- Ideal for travel, foreign remittances, and international payments.
- Manage your finances anytime through online and mobile banking.
- Serves as a base account for financing, cards, and other services.
- Assistance available 24/7 for all banking needs.
Frequently Asked Questions
Q. How can I open a SIB Current Account?
A. You can open the account by visiting any branch or through digital banking by submitting the required documents.
Q. Is there a minimum balance requirement?
A. Yes. A minimum monthly balance of AED 3,000 is generally required to avoid charges.
Q. Will I earn profit on this account?
A. No. This account does not earn profit as it is designed for transactions, not savings.
Q. Can I use the debit card internationally?
A. Yes. The debit card can be used for international transactions and online purchases.
Q. How do I register for online banking?
A. Registration can be completed using your account or card details via digital banking platforms.
Q. How can I deposit money?
A. You may deposit funds through branches or cash deposit machines.
Q. Can this account be linked to other products?
A. Yes. It can be linked to financing, cards, and other banking services.
Sharjah Islamic
Established in 1975 through an Amiri decree, the bank was initially known as the National Bank of Sharjah. In 2002, the bank was the first bank to convert to Islamic Banking and was renamed as Sharjah Islamic Bank (SIB). SIB has a Vision 'to be the bank of choice, delivering creative customer solutions based on Islamic principles of partnership, trust & equality for all’. The values followed by them are :
- Bonding and Harmony
- Compliance
- Learning and Self Development
- Social Responsibility
- Creativity and Innovation
Get in touch with Sharjah Islamic Bank Customer Care