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In It Together

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Important updates and measures on COVID-19

The wellbeing and safety of our customers is our foremost priority as we continue to navigate through the evolving COVID-19 situation and the impact that it is having on our lives.

DIB is working in line with the UAE Government’s several initiatives to safeguard the wellbeing of citizens, residents and businesses. We will keep you abreast and updated on the situation, as it evolves.

Note from the GCEO | Digital Banking. Safe Banking | Bank from home | Information on Branches | Deferment

Note from the Group CEO

30 March 2020
DIB - In It Together! Yes, we are going through challenging times that are testing us all but during tough times like these, we need to get tougher. We need to be strong, determined, positive and most importantly, keep ourselves, as well as our near and dear ones, secure. Read more

18 March 2020
DIB – Committed and connected to you, always! In this increasingly global world, we may, at times face challenging situations which can significantly affect the way we conduct our daily lives. The COVID-19 pandemic, as we all know, has had varying impact in different parts of the world and leaders across the globe have been forced to take unprecedented decisions to control the spread of this outbreak. Read more

 

 

Digital Banking. Safe Banking.

Easy, convenient and instant.

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Worried about your safety? Bank from home via DIB Online or Mobile App.

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Contactless payments

You can also avoid cash and rather activate Apple Pay or Samsung Pay on your mobile device, link your Credit or Debit Card and start using it at almost every point of sale, including fuel stations and supermarkets, to name a few.

Bank from home! Services available via DIB Online Banking/Mobile App

Click here for latest updates on banking services

Credit & Debit Cards

  • Activate Card & set-up PIN
  • Blocking Card
  • Freeze Card
  • Change Card PIN
  • Check Available Balance/download Statement
  • Shop/buy online

Credit Cards (only)

  • Change Payment instructions
  • Request for Supplementary Card
  • Make Card Payments
  • Get Cash on Card
  • Avail Easy Payment Plan
  • Get Balance Transfer

Loyalty Redemption of Wala’a Rewards

  • Get Balance Transfer
  • Redeem for Other purchases (Airline/Hotels/Electronics)

Deposits & Accounts

  • Open a new current, savings or investment account instantly
  • Get your Account Details
  • Generate a Mini Statement
  • Your account statement emailed
  • View Cheque Status
  • View Investment Deposit Details
  • View Murabaha Details
  • Check your Relationship Summary
  • Make Premature Liquidation of Wakala Deposit
  • Update Deposit Maturity Instructions
  • Submit Salary In Advance Application
  • Make Cheque Book Request
  • Generate IBAN No.
  • Share your IBAN details
  • View Profit rates
  • View Currency convertor

Funds Transfer

  • Transfer to DIB/own Accounts
  • Make Domestic or International Transfers (Within UAE)
  • Express Transfer to India, Pakistan, Jordan
  • Avail Remit-to-ATM transfer
  • Cancel a Remit-to-ATM transfer
  • Manage Beneficiaries
  • Schedule a transfer

Personal Finance

  • Get Pre-approved Personal Finance instantly
  • Avail Personal Finance Top Up offers
  • Make Early settlement of finance

Home Finance

  • Request for Letters / NOC
  • Request for Copies of Documents

 

Information on DIB Branches

Due to the existing situation and the efforts to safeguard public health and safety, our operating branches frequently undergo changes. Click here for latest information on branch operations


Relief schemes for customers

To help customers during this difficult time and in line with the directives of regulatory authorities, starting 15 March to 31 December 2020, DIB has put in place special finance postponement schemes as well as waivers and benefits on Credit & Debit Card services.

If you are impacted due to the COVID 19 situation (unpaid leave / reduced salary), you can apply/enroll in the DIB Relief Scheme i.e. Installment Deferment of your:

(1) Personal Finance and/or Auto Finance via DIB Online Banking (https://online.dib.ae).

STEPS:

  • Select the active finance on which you require relief
  • Click “Installment Deferment”.
  • Select the months you are requesting for relief, this must correspond to the months.
  • of financial impact / salary reduction as mentioned in your employer letter.
  • Attach the supporting documents to demonstrate financial impact on your salary due to COVID-19.

No Debit or Credit Card? No Problem. You can register for DIB Online Banking even if you do not have a Debit or Credit card. Simply register as a new user and select “NON CARD HOLDER”, and call DIB Phone Banking to generate your OTP. Click here to register.

(2) Credit Card; please contact us via any of the following channels with relevant proof of financial stress at least 15 days prior to your due date (i.e. letter from employer, HR confirmation, etc.);

  • Phone Banking: Call 046092222
  • Email: Download and fill the editable PDF form (Click here to download deferment form) and email it to Solutions.Hub@dib.ae from your registered email address with DIB – An agent will call you to confirm your request within 15 working days. Please note due to the high volumes of requests, emails received that do not comply with the below requirements will not be responded to.
  • Branch: Visit your nearest branch and apply on site

(3) For Home Finance related deferment requests, please write to: Home.finance@dib.ae 

(4) If you have lost your job, please email the supporting documentation to: Collection.HelpDesk@dib.ae

(5) For any other queries/concerns, please fill out the form at: https://www.dib.ae/about-us/contact-us

If you have already sent the email with all the above items included, kindly wait for a call back from the team. If you would like to know the status of your request, please check your finance details on DIB Online Banking or you may call DIB Phone Banking on 04 609 2222.


SME Customers

  • Minimum length of business has been reduced to 1 year (current length 2 years)
  • Up to 90 days postponement of first instalment with no additional charges for existing customers (valid until December 31, 2020)
  • Reduced pricing:
    • Low profit rate starting from 12%
    • Up to 50% reduction in processing fees
  • Simplified documentation process (subject to meeting UAECB requirements)

To apply, talk to your Relationship Manager or call 04 609 2222.

Any Questions?

What is Targeted Economic Support Scheme (TESS), which was recently announced by UAECB?
  • In order to contain and manage the effects of the COVID-19 pandemic, the Central Bank (CB) of the UAE on 18 March, 2020 has announced the Targeted Economic Support Scheme (TESS) to provide temporary relief for all effected private sector corporates, SMEs and individuals only – effective 15 March 2020 until 31 December 2020.
  • This scheme is applicable for financial products such as Auto Finance, Personal Finance and Home Finance wherein eligible customers can avail postponement of financial payments
What type of customers qualify to the scheme?
  • The scheme is applicable for all Dubai Islamic Bank salaried customers (Salary transfer or ‘Post Dated Cheque’ customers). 

Any Customer who will not be eligible in this scheme?
  • Customer should have paid the previous installment (and not be delinquent)
What relief will a customer get under this scheme?
  • If eligible (based on proof that the customer’s salary has been reduced or if the customer is being sent on unpaid leave), the customer may get a temporary deferment of finance for up to a maximum of 3 months.
  • If the Employer of the customer has reduced his/her salary for 2 months, then the relief provided by the Bank will be for 2 months
  • If the Employer of the customer has reduced his/her salary for 1 month, then the relief provided by the Bank will be for 1 month
What is the cost to avail this scheme?
This scheme/facility will be free of charge
What if my requirement of relief is more than 3 months?
As of now we will entertain your request for 3 months. However if after 3 months the situation does not improve, you can approach us again with updated proof and we will be happy to assist you with your request depending on the situation and applicable T&C.
What is the minimum time period required or minimum number of instalments to be paid before this facility can be availed?
  • There is no requirement of minimum number of installments to be paid
  • Customers who have availed any of the above facilities (AF/HF/PF) and not even paid 1 installment can avail this facility
If I avail postponement/deferment under this scheme, will my credit history get affected or will the AECB get affected?
No, this will not impact your credit history with us or with AECB since this is a government backed initiative.
What type of proof is required to avail 3 months deferment?
  • Email / Letter from your (the customer’s) Employer indicating the reason and/or time period of leave / salary reduction
  • Any other satisfactory proof
If customers avail postponement/deferment under this scheme, can they still apply for standard postponements/deferments (i.e as per the bank's standard policy)?
  • Yes, postponements/deferments availed under this scheme are over and above standard postponements/deferments applicable as per product
  • For normal postponements/deferments, the standard applicable policy terms (Number of repayments made, fee etc.) will apply
What will happen if my salary has not been reduced or my Employer has not asked me to go on unpaid leave? Can I avail the scheme (postponement/deferment) in this case?
  • The 3 months deferment option is only for those customers who have been impacted (salary reduction or un-paid leave). For others we can offer 1 month deferment free of charge.
When will this scheme end?
  • This scheme is available to customers who approach the bank until 15 September 2020.
Where are the DIB Home Finance Customer Service Centers located in UAE and what are the working hours?
  1. Our Home Finance Service Centers are temporarily not open for Walk-Ins.
  2. Drop Box Facility available from 08:00am to 02:00pm (Sunday to Thursday except on public and bank holidays) at

    Dubai:
    Office 409, Business Village Block "B", Deira, Dubai (next to Clock Tower), UAE.

    Abu Dhabi:
    Ministry of Energy Building, 10th Floor, AL Falah Street, Abu Dhabi, UAE

  3. Alternatively, You can email us your request to Home.Finance@dib.ae
  4. Our dedicated Home Finance Call Center numbers are 800-4354 (08:00am to 05:00pm - Sunday to Thursday)
  5. For New Home Finance Requests kindly write us to hf@dib.ae
  6. You can email us your request to Home.Finance@dib.ae
  7. Self-Assessment and log leads/requests on: www.dib.ae/FirstStep

FAQ’s on deferment scheme – Businesses/Self-employed

Any Questions?

What is Targeted Economic Support Scheme (TESS), which was recently announced by UAECB?
  • In order to contain and manage the effects of the COVID-19 pandemic, the Central Bank (CB) of the UAE on 18 March, 2020 has announced the Targeted Economic Support Scheme (TESS) to provide temporary relief for all effected private sector corporates, SMEs and individuals only – effective 15 March 2020 until 31 December 2020.
  • All Non Individual/Non Salaried customers (applicable Non Individuals under Al Islami Business Solutions, Home Finance & Auto Finance)
What type of proof is required to show that a customer qualifies under this scheme?
  • Written request from the customer (Authorised signatory, with company stamp where applicable)
  • Identification documents including valid Trade License
  • 3 months bank statement (Notable reduction of Credit Turnover in latest 3 month bank statement
What relief will a customer get under this scheme
If eligible (based on proof that Business/Non Individual entity has reduced turnover), customer may get temporary postponement/deferment of finance for up to a maximum of 3 months.
What will happen if business/bank statement does not show any sign of distress? Can I avail postponement in this case?
  • Normal policy will apply and the Bank has the discretion to approve or reject your request
  • In this case, instalment postponement fee will be charged
What is the minimum time period required or minimum number of instalments to be paid before this facility can be availed?
  • At least 3 installments must be paid before applying for postponement under this scheme.
  • At least 6 installments should be remaining before applying for postponement in this scheme.
Any Customer who will not be eligible in this scheme?
  • Customer should have paid the previous installment (and not be delinquent)
  • As mandated, Fixed Deposit Customers and Non Resident customers are excluded
What is the cost to avail this scheme (maximum 3 EMI Deferment)?
This scheme/facility will be free of charge