Last Updated on 27 January 2026
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Dubai Islamic Bank Al Islami 2-in-1 account
Al Islami 2-in-1 account
Features
- Dual-Purpose Structure: You access the transactional flexibility of a current account combined with the profit-earning potential of a savings account in a single product.
- Sharia-Compliance: Your account operates under Islamic banking principles, ensuring all earnings and transactions are Sharia-compliant.
- Profit Calculation: Your expected profit is calculated based on your average monthly balance and is credited to your account on a quarterly basis.
- Profit Eligibility Conditions: To qualify for profit, you must maintain a minimum balance of AED 10,000 on every single day of the month and perform no more than two debit transactions (withdrawals or transfers) in that month.
- Digital Access: You can manage your funds 24/7 through Online Banking and Mobile Banking platforms.
- Currency: The account is maintained in UAE Dirhams (AED).
- There is no monthly fees on this accoMonthly Maintenance Fee: AED 26.25 (Deducted on the first Sunday of every month).
- Teller Transaction Fee: AED 10.50 per transaction (Applicable for every transaction after the 6th free one in a month).
- Cheque Book Fee: AED 26.25 per 10-leaf book (Applicable from the second cheque book onwards). unt.
- This account can only be opened in AED.
- You require a minimum balance of AED 3000 to open this account.
- Profits will be not be paid to the customers, if they fail to meet the average minimum balance requirement.
Required Documents
- Identification: Valid Emirates ID and Passport.
- Residency: Valid UAE Residence Visa (required for expatriates).
- Proof of Address: Utility bill, tenancy contract, or other proof if requested by the bank.
Main Benefits
- Teller Access: You receive six free teller transactions every month for your in-branch banking requirements.
- Cheque Book: You receive your first cheque book free of charge.
- Debit Card: You get a DIB Debit Card for daily cash withdrawals and retail purchases.
- Bill Payment: You can pay utility and telecommunication bills directly from your account, simplifying your monthly financial management.
- Monthly E-Statements: You receive free monthly electronic statements to help you track your spending and income.
- Maintenance Fee Waiver: You are exempted from the monthly maintenance fee if you maintain an average monthly balance of AED 3,000.
Frequently Asked Questions
Q. What exactly is the Al Islami 2-in-1 Account?
A. It is a unique account that combines the features of a current account (like cheque books and high transaction limits) with the benefits of a savings account (profit earnings), all within a Sharia-compliant framework.
Q. How is the profit calculated on this account?
A. Profit is calculated based on the average monthly balance held in your account
Q. When is the profit paid?
A. The expected profit is distributed and credited to your account on a quarterly basis
Q. What is the minimum balance required to earn profit?
A. To be eligible for profit in a specific month, your balance must not drop below AED 10,000 on any day during that month
Q. Are there limits on withdrawals if I want to earn profit?
A. Yes. You are allowed a maximum of two withdrawal transactions (via teller or electronic channels) per month to remain eligible for profit. If you exceed this, no profit is calculated for that month
Q. What happens if I don't meet the profit conditions?
A. If you drop below the AED 10,000 minimum balance or make more than two withdrawals, your account is treated effectively as a standard current account for that month, and no profit is earned
Q. Is there a monthly fee for this account?
A. Yes, there is a monthly maintenance fee of AED 26.25
Q. How can I avoid the monthly maintenance fee?
A. The fee is waived if you maintain an average monthly balance of AED 3,000 or more
Q. When is the maintenance fee deducted?
A. If applicable, the fee is deducted from your account on the first Sunday of every month
Q. How many free teller transactions do I get?
A. You are entitled to six free teller transactions per month
Q. What is the charge for additional teller transactions?
A. Any teller transaction beyond the six free ones is charged at AED 10.50 per transaction
Q. Is the cheque book provided for free?
A. Your first cheque book is issued free of charge. Any subsequent cheque books (10 leaves) are charged at AED 26.25
Q. Do I receive a debit card?
A. Yes, a Debit Card is included with the account for daily withdrawals and payments
Q. Can I pay my bills through this account?
A. Yes, the account supports payment of utility and telecommunication bills
Q. How do I receive my account statements?
A. You will receive free monthly electronic statements (e-statements) detailing your transactions
Q. Where can I see historical profit rates?
A. You can view the historical profit rates for the Al Islami 2-in-1 Account on the Dubai Islamic Bank website
Q. How can I open this account?
A. If you are new to DIB, you can open an account via the "Banking in Minutes" online feature. Existing customers can open it via Online Banking or by visiting a branch
Dubai Islamic
Dubai Islamic Bank (DIB), established in 1975 is the pioneer of Islamic banking that has seen a phenomenal growth. The Bank since inception has remained customer-centric organization, where honesty and customized personal service form the basis of all relationships. Though sticking to its root traditions, the bank equally blends with the commitment of innovation, flexibility, and modernity. Every customer of the bank is provided with comprehensive solutions for any financial need.
The bank works with the vision of providing unsurpassed customer service and becoming the world’s largest Islamic banking corporation.
Get in touch with Dubai Islamic Bank Customer Care