Dubai Islamic Bank (loans): verified facts and rating
Licensed since: 1975 Checked 2026-10-31
Score breakdown
96% backed by facts · How we rank
Dubai Islamic Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference86%114%109% · median 100%
Support hours a week84 h168 h168 h · median 168 h
Maximum amount, % of country reference50%125%125% · median 100%
Longest term48 mo48 mo48 mo · median 48 mo
Dubai Islamic Bank (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1975 DIB officially opens on 15 September 1975 (год основания) | dib.ae | 2026-10-31 |
| Licensed by the regulator | Yes Dubai Islamic Bank Public Joint Stock Company, licensed & regulated by the Central Bank of the UAE. | dib.ae | 2026-10-31 |
| Published rate, % of country reference | 109% Profit rate from 5.99% per annum to 21.99% per annum reducing (KFS: Indicative Annualized Percentage Rate starting from 7.21% up to 21.96%) · reducing rate 5.99% (lower bound) · index 100 = 5.50% (median at launch) | dib.ae | 2026-10-31 |
| Free early repayment | No Early Settlement from same Bank Finance** 1% or Max AED 10,000 | dib.ae | 2026-10-31 |
| No arrangement fee | No Applicable One time Due Diligence and Documentation fee: 1.05% of the finance amount (Inclusive of VAT), Maximum of AED 2620 - Minimum of AED 520 | dib.ae | 2026-10-31 |
| Fees or terms published | Yes Schedule of Charges (Personal Finance); Key Facts Statement – (Personal Finance Sukuk) | dib.ae | 2026-10-31 |
| Complaints procedure | Yes How to complain to us? ... DIB Website Complaint Form www.dib.ae/feedback ... You may escalate your complaint to Sanadak (Ombudsman Unit for the United Arab Emirates) | dib.ae | 2026-10-31 |
| Online application for new customers | Not verified | — | |
| Support hours a week | 168 h At any time: Phone Banking +971 4 609 2222 | dib.ae | 2026-10-31 |
| Maximum amount, % of country reference | 125% Up to AED 5 million for UAE Nationals and up to AED 3 million for Expatriates · max 5000000 AED · index 100 = 4000000 AED (median at launch) | dib.ae | 2026-10-31 |
| Longest term | 48 mo Tenure up to maximum of 48 months | dib.ae | 2026-10-31 |
Compare Dubai Islamic Bank (loans)
Badge for the company's website
The company can put this badge on its website: it shows the current place and Score and links to this page. Copy the code:
<a href="https://global-rating.com/en/company/ae-dib-loans/"><img src="https://global-rating.com/badge/ae-dib-loans.svg" width="240" height="56" alt="Dubai Islamic Bank (loans) — Global Rating"></a>