Dubai Islamic Bank announces 3.95% fixed for 3 years — no salary transfer required (2 July 2026)

Dubai Islamic Bank has announced a 3.95% fixed rate for 3 years with no salary transfer required — plus equity release of up to AED 500,000 paid directly into the customer’s account.

What’s changed

• 3.95% fixed for 3 years — without salary transfer.
• Equity release up to AED 500,000, credited directly to the customer’s account.

What it means for borrowers

• NSTL pricing at STL levels: banks normally charge a premium when your salary isn’t transferred. At 3.95% with no salary transfer, DIB is pricing at — or below — what most banks charge salary-transfer clients (see current rates bank by bank). Especially relevant for the self-employed and anyone unwilling to move their banking.
• Longer certainty: a 3-year fix at this level buys more rate certainty than the 1–2 year offers dominating the market this quarter.
• Cash-out on top: up to AED 500,000 of equity release straight to your account makes this a strong package for owners looking to switch banks and release funds in one move.

Final eligibility, reversion terms and fees are confirmed on application — we’ll verify the full structure for your case and compare it across 15+ banks, free.