Understanding DIB Salary in Advance

Understanding DIB Salary in Advance

Dubai Islamic Bank (DIB) provides fast and innovative solutions for unforeseen financial needs. DIB provides loans within minutes. Payroll account holders are provided with prepaid products.

Al Islami Salary-in-Advance is a temporary salary advance payment tool, up to 90% of one month’s net salary, which can be withdrawn at any ATM or received by check at any of our branches. If you pay in full the amount received by the end of the month, you can use this opportunity every month.

How does it work?

The DIB Advance Salary is a temporary advance salary that can provide up to 90% of the current month’s total net wages. The amount can be withdrawn at any ATM or received by check at a DIB bank branch.

There is a convenient withdrawal every month, provided that the payment is returned at the end of each month.

Eligibility Criteria

All salaried employees receiving salaries from the Islamic Bank of Dubai are eligible to use this product. All eligible clients can apply for Al Islami Down Payment.

Age limit for receiving advance payment

  • Minimum age for admission: 21 years
  • Maximum age for admission: 64 years old
  • Maximum insurance age: 65 years.

How to apply?

You can apply for prepaid products in the following ways

  • Login to DIB Al Islamic Internet Bank and apply
  • You can use any fast bank terminal
  • Send SMS “SIA” to 4222. This feature is only available to registered customers of Al Islami SMS Banking.
  • Via telephone bank DIB
  • You can apply through the DIB ATM
  • You can apply at the DIB branch

When will the prepayment amount be credited to the account?

The Al Islami Salary-in-Advance application was quickly approved and funds will be credited to the account. If you are in urgent or emergency need of cash, please apply for Al-Islami salary in advance.

Without paperwork, a free takaful equivalent to the loan amount is provided on the basis of the Kard Hassan fund (in case of death or permanent complete disability for any reason, the maximum amount is AED 13,500), which is subject to the terms and conditions.

How to resolve claims in case of unforeseen circumstances?

After the start date and during the coverage period, death from any cause not expressly excluded by the plan.

The plan requires the company to reimburse policyholders for actual advances in salary of up to AED 13,500.

If the insured person causes permanent total disability (PTD) for any reason not excluded by this plan after the effective date and during the insurance period, the company must reimburse the insured for the actual advance wages in accordance with the terms of the plan. But not more than AED 13,500.

Termination of benefits

The benefits covered by this plan will end when one or more of the following events occur.

  1. Close payroll account
  2. The insured has reached the maximum age set by the plan.
  3. Claims payable in the event of death or total incapacity for work
  4. The bank will cancel the benefits of this plan at any time in accordance with the terms.
  5. If your plan expires on schedule and has not been renewed by the bank.


Upfront salary payments are a good option provided by the Islamic Bank of Dubai. The service is available 24/7, the application works faster and more conveniently, without any documents, and the prepayment amount is credited directly to your account. This applies to all DIB payroll account holders, and the best part is that you can receive salaries up to AED 13,500 in advance.

Before applying, please review the employment documents, terms and conditions and receive the salary and benefits provided by the Islamic Bank of Dubai in advance.


  1. 4) The bank will cancel the benefits of this plan at any time in accordance with the terms. Would like to know what is the terms as I’m trying to get advanced salary but showing not legible from DIB bank

  2. I need liability letter from the bank
    Dib but I have salary in advance I am willing to pay early.
    How can I repay salary in advance

  3. What will happen if I pay my salary in advance late? I have changed my job and my previous organization had hold my salary.

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