Last Updated on 12 April 2026
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Sharjah Islamic Bank Digital Account
Digital Account
Features
- Start Experiencing all the benefits of digital banking with SIB Digital Account.
- Just Sign up for the Digital Account and get rewarded with many of its exclusive features.
- Get Instant Account Opening
- Enjoy Zero Minimum Balance
- Provides Profit Paid Monthly
- Minimum balance AED 0
- Profit Paid is monthly
- Open your account directly through the SIB mobile application without visiting a branch.
- Manage your account, transfers, statements, and payments entirely from your smartphone.
- Receive a complimentary debit card for ATM withdrawals, point-of-sale purchases, and online transactions.
- Track transactions through electronic statements and real-time notifications.
- Send money within the UAE and abroad conveniently through the app.
- Eligible balances earn profit based on SIB’s Islamic profit-sharing model.
- Protected by strong authentication, encryption, and secure banking protocols.
Required Documents
- The following documents are required.
- To open a SIB Digital Account, you will need Valid Emirates ID
- Must be 18 years or older
- Active UAE mobile number
- Valid email address
- UAE resident visa (for expatriates, if required)
- No minimum balance is required to open the account.
Main Benefits
- Sharjah Islamic bank provides SIB Digital Account where the customer can digitally open a bank account on fingertips just download the SIB Digital App and start banking. With an easy remittance facility, send money free and fast through online banking.
- This is available for customers through Mobile Banking only
- Enjoy No minimum balance requirement, fees or charges
- Get Free debit card
- Provides Free cheque book
- Get Free remittances to India
- Get Free remittances to Pakistan
- You can make local and international payments quickly, easily and securely.
- Start exploring Unlimited & Complimentary Mastercard offers Priceless
- Open and manage your account anytime, anywhere without branch visits.
- Start banking with no minimum balance requirement.
- Enjoy a free debit card, e-statements, and SMS alerts.
- Transfer funds, pay bills, and manage finances directly from your phone.
- All operations follow Islamic banking principles.
- Designed for UAE residents with quick onboarding.
Frequently Asked Questions
Q. What is the minimum balance?
A. The minimum balance is AED 0
Q. What is the eligibility criteria?
A. The applicants should be 18 years of age
Q. How can I open a SIB Digital Account?
A. Download the SIB mobile app, enter your Emirates ID, complete the digital verification process, and your account will be opened instantly.
Q. Is there a minimum balance requirement?
A. No minimum balance is required to open the account. However, a minimum balance may be required to earn profit.
Q. Will I receive a physical debit card?
A. Yes, a complimentary debit card is issued after your account is activated.
Q. Can I use this account for daily banking?
A. Yes, you can perform transfers, bill payments, balance checks, and card transactions.
Q. What are the transaction limits?
A. Typical limits include ATM withdrawals up to AED 15,000 per day, POS purchases up to AED 50,000 per day, and online purchases up to AED 25,000 per day. Limits are subject to bank policy updates.
Q. Can existing SIB customers open this account?
A. No, this account is exclusively available for new customers.
Q. Is the account Sharia-compliant?
A. Yes, all services follow Islamic banking principles approved by SIB’s Sharia board.
Q. What happens if my balance drops below the profit threshold?
A. You will not earn profit for that period if your balance falls below the required minimum.
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