Johara Banking is Dubai Islamic Bank’s exclusive banking proposition designed specifically for women in the UAE. It combines Shariah-compliant financial services with lifestyle privileges, personalized service, and a sense of community and privacy—catering to the financial needs and aspirations of modern women.

Johara Savings & Current Accounts:

• Profit-earning savings account (Shariah-compliant)
• Low minimum balance requirement (AED 3,000)
• Bill payments, Free money transfers via Online & Mobile Banking, and e-statements

Johara Debit Card

• Free, specially branded Visa debit card

  which includes

  • Roadside assistance, lifestyle offers, and travel discounts
  • Global Visa benefits
  • Added security features

Dedicated Johara Banking Zones

• Ladies-only service areas in select branches
• Staffed by women for added comfort and privacy

Additional Benefit:

• No minimum balance requirement for salaried customers
• Up to 1% discount on profit rate for Business Finance.
• 25% discount on Due Diligence Fee on Business Finance
• Waiver of Due Diligence & Documentation fee on Home Finance for Salary Transfer customers
• Chance to Win Valuable Prize through Lucky Draw

Priority Banking: For Aayan Banking and Wajaha Banking benefits please refer to benefits section under: Aayan Exclusive Banking; Wajaha Private Banking

A minimum monthly new salary transfer of AED 5,000 is required to be eligible for Johara banking benefits.

Upon receiving consent from customer, debit cards are issued for opening Savings account and both cheque book and debit cards are issued to customer upon opening current account.

If you are an individual working woman or a housewife, you may choose to open either savings account or current account under Johara banking.

If you are a self-employed woman, you will be able to open a current account.

Upon opening a salary account in Johara banking, customer can avail rewards under bank’s current campaign named DIB XTRA. Rewards up to AED 16,000 are available under this campaign.

Yes, existing salary transfer customers are eligible for the Johara banking benefits. To avail the benefits, customer is required to approach the bank and convert account into Johara banking.

Yes, you are required to open a salary transfer account with DIB and thereafter you will be eligible for all benefits under Johara banking.

Yes, you are required to open a salary transfer or savings or current account and thereafter you will be eligible for all benefits under Johara banking.

As a woman self-employed customer of DIB, you are eligible to avail the benefits under Johara banking.

All Johara banking self-employed customers are eligible to avail up to 1% discount on profit rate based on the tenure of Business finance. Additionally, you are eligible for 25% discount on Due diligence and documentation fee. This benefit will be applicable, till you are a Johara customer.

As a Johara banking self-employed customer, you are eligible for 25% discount on Due diligence and Documentation fee on business finance.

Yes, you are required to open a current or savings account, to avail the benefits of Johara banking.

As a housewife, you can open a current or savings account with DIB and avail benefits under Johara banking.

You will be assigned a relationship Manager under our priority banking segment Aayan or Private Banking segment Wajaha banking. For more detail you may click Aayan Exclusive Banking; Wajaha Private Banking

For availing up to 1% discount on profit rate and 25% on Due diligence and documentation fee you are required to apply for a minimum finance Amount of AED 50,000/-