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Dubai Islamic Bank International Transfer: Charges & Timing

By the GulfSend teamLast reviewed 14 July 2026

We're based in the UAE and build tools for people moving and sending money across the Gulf.

Dubai Islamic Bank is the UAE's oldest Islamic bank, and it sends money abroad from the DIB app or a branch under Sharia-compliant terms. Searching Dubai Islamic Bank international transfer charges? The visible fee is only half the story — the exchange-rate margin is the rest. Here's how a DIB transfer works and when another route delivers more.

How to send an international transfer from DIB

  1. In the DIB app, open Transfers → International and add the recipient as an international beneficiary.
  2. Enter their full name and address, account number or IBAN, and the receiving bank's SWIFT/BIC (plus any local code such as India's IFSC).
  3. Choose the receive currency, review the rate and charge shown, and confirm. Keep the reference number.

Receiving into a DIB account from abroad? The sender needs DIB's SWIFT code, DUIBAEAD — our page shows where it goes.

DIB international transfer charges, timing and the weekend

DIB applies an outward-transfer charge that varies by payment type and destination, with correspondent banks sometimes deducting their own. It changes, so check the current figure in the app before sending.

A SWIFT transfer typically lands at the destination bank in one to three working days, later past the daily cut-off. On the UAE's Saturday–Sunday weekend, a Friday-afternoon transfer usually waits for Monday.

And the charge isn't the whole cost — the exchange-rate margin is the part that's easy to miss:

Where the real cost of a transfer hidesTotal cost of sending moneyUpfront feethe part you seeExchange-rate marginthe hidden part
Illustrative proportions. Two services can both advertise “no fees” — the one with the weaker exchange rate still costs you more. Always compare the amount that actually reaches the recipient.

Judge the transfer on what actually arrives, fee and rate combined.

DIB vs an exchange house or app

A bank wire suits large sums, transfers to your own account abroad, or destinations apps don't reach. For routine remittances to the big corridors, licensed exchange houses like Al Ansari and LuLu, and apps like Wise, usually deliver more for the same money.

Compare the amount received in our live tool, or on a route page like AED to INR and AED to PKR. Sending between UAE banks instead? See the bank-to-bank transfer guide. For the full picture, see the complete guide to international transfers from the UAE; moving a large amount? See transferring large sums from the UAE.

Frequently asked questions

What are Dubai Islamic Bank's international transfer charges?

DIB applies an outward-transfer charge that varies by payment type and destination, and correspondent banks may deduct their own. The exact figure changes, so check it in the DIB app before sending — and factor in the exchange-rate margin, which is a separate cost.

What is DIB's SWIFT code?

Dubai Islamic Bank's SWIFT/BIC code is DUIBAEAD. Anyone sending into your DIB account from abroad enters it in the "SWIFT/BIC" field, separate from your IBAN. Our DIB SWIFT code page has the details.

How long does a DIB international transfer take?

Usually one to three working days by SWIFT. Sending after the daily cut-off or over the UAE's Saturday–Sunday weekend delays the start to the next working day.

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