Own your dream home, the halal way
Grow with a banking partnerBanking made simple, halal
and human.
Open your Digital Account in 5 minutes, finance your home the riba-free way, and manage everything from one beautifully simple app.
Everything you need, in one place.
Pick a category to see the right Shariah-compliant products for you — and apply online in minutes.
Plan smarter, decide with confidence.
Work out your monthly rental, plan your savings goals, convert currencies and check today's indicative profit rates.
Financing calculator
See your estimated monthly rental in seconds.
Indicative only. Rentals are based on the bank's prevailing benchmark rate and your eligibility.
Savings planner
Set a goal and see how much to save each month.
Expected profit on Mudarabah accounts is not guaranteed and varies with the bank's actual earnings.
Currency converter
Indicative rates for home remittance and foreign currency accounts.
| Currency | We buy | We sell |
|---|
Profit rates
Indicative expected profit rates on our savings and term deposit products.
| Product | Tenure / payout | Expected profit |
|---|---|---|
| Profit Savings Account | Monthly | 9.00% |
| Women's Savings Account | Monthly | 9.25% |
| Term Deposit | 3 months · at maturity | 10.10% |
| Term Deposit | 1 year · monthly | 10.40% |
| Term Deposit | 3 years · monthly | 10.75% |
| Roshan Digital (PKR) | 1 year · monthly | 10.50% |
Your whole bank, right in your pocket.
Tap a feature to see it in action.
Open your account
Takes about 5 minutesRaast transfer
Instant · FreeRs 12,000
Pay bills
Due this weekCard controls
Platinum Debit ·· 7713Scan & pay
Pay any Raast QR merchantAyesha
of our workforce in Pakistan are women — among the highest in the industry.
We believe inclusive teams build better banks. That's why we invest in women as colleagues, customers and entrepreneurs.
Read our storyWomen's banking desks
Dedicated, priority service for women customers at branches nationwide.
Find a deskWomen entrepreneurs
Financing and advisory for women-led small businesses to grow with confidence.
Learn moreCareers & leadership
Flexible policies and leadership programmes that help women thrive at DIB.
Join our teamFind the card that fits your lifestyle.
Select a card to compare features side by side.
| Feature | PayPak Classic | UnionPay Gold | Visa Platinum |
|---|---|---|---|
| Annual fee | Rs 1,000 | Rs 2,500 | Rs 6,000 |
| Daily ATM withdrawal | Rs 50,000 | Rs 100,000 | Rs 250,000 |
| Daily purchase limit | Rs 100,000 | Rs 250,000 | Rs 500,000 |
| Contactless (tap to pay) | ✓ Yes | ✓ Yes | ✓ Yes |
| International use | Pakistan only | ✓ Worldwide | ✓ Worldwide |
| Airport lounge access | — | — | ✓ Selected lounges |
| Freeze in app | ✓ Yes | ✓ Yes | ✓ Yes |
More value every time you pay.
Up to 25% offDiningWeekend dining deals
Save at partner restaurants nationwide with any DIB debit card.
Valid till 31 Dec
15% offShoppingFashion & lifestyle
Exclusive in-store discounts at leading clothing brands.
Valid till 30 Nov
Lounge accessTravelTravel in comfort
Complimentary lounge access and travel offers with Visa Platinum.
Ongoing
5% cashbackEverydayGroceries & fuel
Cashback on contactless payments at partner supermarkets.
Valid till 15 NovFind us near you.
Search by city or area, or let us find the nearest branch to your location.
Questions? We're here to help.
Download the DIB Mobile App and choose "Open an account". You'll need your CNIC and a mobile number registered in your name. Most customers finish in about 5 minutes — or visit any branch and our team will help you.
Yes. Every product is reviewed and approved by our independent Shariah Board and audited regularly. We use structures like Mudarabah, Musharakah, Murabaha and Ijarah — never interest (riba).
Under Diminishing Musharakah, you and the bank jointly own the property. You pay rent on the bank's share and gradually buy its units until you own the home outright.
Freeze it instantly in the DIB Mobile App, or call our 24/7 helpline at 111-786-342 to block it. You can request a replacement card from the app or any branch.
Yes — the Roshan Digital Account lets non-resident Pakistanis open an account completely online and bank, invest and send money home.
DIB will never ask for your PIN, OTP, password or full card number. If anyone does — even if they claim to be from the bank — hang up and report it immediately on 111-786-342.