To register for the DIB mobile banking services:

• Visit the branch and complete the application form OR
• Select the service on the account opening form

• You MUST be a current account holder of DIB Bank.
• You MUST be a mobile subscriber of a cellular service provider for receipt of Log in PIN upon registration.

• You can access the service by dialing *278# on currently on Safaricom.

NO. Registration is free.

NOTE:

Normal mobile network operator charges will apply for Internet services when using the DIB application or per USSD session

You can access our mobile banking platform through these two channels:

A. DIB Mobile Banking – USSD

To activate mobile banking dial *278# and enter your PIN.
This service is available to both Safaricom and Airtel Subscribers.
The services available on *278# are:

• Balance enquiry and Mini statement request
• Send airtime to your phone or to any Safaricom, Airtel or Telkom Subscriber
• Transfer of funds from your DIB Bank Account to your M-PESA or any MPESA subscriber
• Transfer of funds from your DIB Bank Account to your Airtel Money or any Airtel Money  subscriber
• Pay your KPLC, DSTV, GOTV, Zuku, Nairobi water and purchase KPLC prepaid Token directly from DIB account
• Conduct funds transfers within DIB Bank Accounts
• Fund your DIB Bank account via MPESA using PayBill 342342 

B. DIB (K) Mobile Application

The DIB (K) Mobile App is a Mobile Banking App owned by DIB Bank and is available on Android and IOS app stores.

The App has the following features:

• Quick balance display for registered accounts
• Branch & ATM locator with banking hours’ information
• Fast contact to DIB Bank customer care services via telephone, email & social media (Twitter and Facebook)
• Transfer of funds from your DIB Bank Account to M-PESA or Airtel Money that is linked to phone address book
• Airtime purchase service that is linked to phone address book
• Bill presentment and payment options for major billers and utilities
• Funds transfers within DIB Bank Accounts
• Secure payment option via Real Time Gross Settlement (RTGS)
• Bill presentment and payment options for major billers and utilities (with balances and account confirmation)
• Fund your DIB Bank account via MPESA using PayBill 342342

I. Balance Enquiry
II. Mini Statement
III. Internal Account Transfer
IV. Mobile Airtime Top-up:
• Safaricom
• Airtel
V. Transfer of money from DIB Bank Kenya Account to an M-PESA Account
VI. Transfer of money from M-PESA Account to DIB Bank Kenya Account
VII. Utility Bill Payment : KPLC Post-paid, KPLC Prepaid, Nairobi Water, DSTV, Star Times, GOTV, Jamii Telkom, Zuku, Airtel Post-paid and Orange Post-paid.
VIII. Forex Rate Enquiry
IX. Setting up standing orders
• Pay School Fees
• SMS alerts for account transactions.
• Lifestyle features on DIB Bank Kenya Mobile App (Traffic Cameras, Business tools, Fund and extras)

Note:

• Normal mobile network operator charges will apply for Internet services when using the DIB application or per USSD session
• Changes in tariff will be communicated to the customers.
• The transaction charges exclude Excise Duty

You can access all your accounts apart from your loan accounts. Funds transfer services however, are currently only accessible for the Kenya Shilling current accounts

Note: Please note that you can only hold a maximum of Kes 100,000 in your MPESA account. If you attempt to transfer an amount that will result in your MPESA account having a balance higher than the allowed maximum of Kes 100,000, the transaction will fail.

• Go to the Airtel SIM toolkit
• Select Airtel Money
• Select Make Payments
• Select Paybill
• Scroll down and select ‘Other’
• In the Business Name section, type in the Paybill Number: 342342
• Enter the amount in Kshs you want to pay.
• Enter your secret Airtel Money PIN.
• Under reference, enter DIB Bank Account Number

If the above procedure does not work, use the procedure below.

• Dial *222#
• Select Airtel Money Menu
• Select your language.
• Select Lipa na Airtel Money
• Select Pay Bill
• Select Other
• In the Business Name section, type in the Paybill Number: 342342
• Enter the amount in Kshs you want to pay.
• Enter your secret Airtel Money PIN.
• Enter the DIB Bank Account Number

Yes, the Bank recruits when positions fall vacant. We advertise for open positions on the Bank website and anyone that meets the criteria is free to apply. DIB Bank Kenya is an equal opportunity employer and we encourage all those who meet the set minimum requirement to apply for job posted

No. DIB Bank Kenya is an equal opportunity employer and will not discriminate on the basis of religion whatsoever. This is a Bank that is founded on fairness, honesty and equality and we shall endeavour to ensure diversity is enforced at all levels. We have currently ninety nine per cent of our staff who are non-Muslims. Faith to which one belongs does not comprise of any of our competencies. However, we ascribe to a strong moral behaviour and a code of conduct that envisions our values system

The transfer limits for DIB Kenya’s Internet Banking may vary depending on factors such as transfer type. Standard banking fees may apply depending on the type of transactions or services you use, as outlined in our Tariff Guide that can be accessed at our website, www.dibkenya.co.ke

If you need assistance with DIB Kenya’s Internet Banking, you can reach our customer support team by calling our call center on +254709913000 or contact your branch.

If you forget your Internet Banking password, you can easily reset it online by following the “Forgot Password” link on the login page. You’ll be prompted to enter your CIF and User ID and you will receive your credentials on your email.

DIB Kenya’s Internet Banking is free for all account holders. However, please note that there may be charges for different transactions performed.

Yes, DIB Kenya’s Internet Banking is accessible from both desktop and mobile devices. Simply use any browser on you mobile to enjoy banking on the go.

Yes, DIB Kenya’s Internet Banking employs the latest security measures to ensure the safety and confidentiality of your online transactions. We use encryption technology and multi-factor authentication to protect your account information.

To enroll for DIB Kenya’s Internet Banking, simply visit any our branches and fill the internet banking application form and the bank will register you and send your login credentials for you to get started.

With DIB Kenya’s Internet Banking, you can perform a wide range of banking activities, including checking your account balances, downloading your statements, transferring funds between accounts and externally, and much more.

DIB Kenya’s Internet Banking is a secure online platform that allows you to conveniently manage your banking needs from anywhere, at any time, using your computer or on your mobile device.

We have a variety of products to suite every individual needs. We have specialized products for the following categories.

• Individuals – Salaried, Non Salaried, Youth, Minors.

• Business Banking and Corporate – Sole Proprietor, Partnership, Limited Companies, Schools, county government, NGOs, etc.

• We have different documentation for different categories as below:

  1. Personal Customers

   

  • Kenyan Nationals
  • Original and copy of ID or Passport (PP)
  • One coloured passport size photograph
  • Salaried – Payslip
  • Non-salaried – Source of income
  • Pin (Personal Identification Number) or TIN
  • Foreign National
  • Original and copy of PP or Alien Certificate
  • Valid Visa
  • One coloured passport size photograph for each signatory
  • Salaried – Payslip
  • Non-salaried – Source of income
  • Pin (Personal Identification Number) or TIN (Tax Identification Number)

  Additional Requirements

  • Swag Youth
  • Student ID
  • Minors (Najma)
  • Birth Certificate

  1. Business and Corporate Banking Customers

    General Requirements for directors and signatories

  • PIN (Personal Identification Number) or TIN (Tax Identification Number)
  • Original and copy of ID, PP or Alien Certificate
  • One colored passport size photograph

  General Requirements for the accounts

  • Certificate of Incorporation/Registration/Form CR 1 (original and copy)
  • Search fee as per tariff (for verification of company details at Company Registry)
  • Proof of physical/operating address for the business: either;
  • Current tenancy/lease agreement (in the name of the business)
  • Current utility bill i.e. electricity or water (in the name of the business)
  • Current trading license
  • Company Pin (Personal Identification Number) Certificate
  • KYC documents for corporate entities with a shareholding
  • Board resolution on the company letter head indicating decision to open the account, the appointed signatories and the signing instructions. Company seal to be included.

    Sole Proprietorship – Registered 

  • Pin (Personal Identification Number) or TIN (Tax Identification Number)
  • Original and copy of ID, PP or Alien Certificate
  • Valid Visa for Foreign Nationals
  • One coloured passport size photograph for each signatory.

  Partnership

  • KYC documents for each signatory
  • Partnership deed

  Limited Liability Company

  • Memorandum of Association (original and copy)
  • Form CR 2 – For a Company Limited by shares
  • Form CR 3 – For a Company Limited by guarantee
  • Form CR 4 – For a company whose Liability is Unlimited.
  • Articles of Association – Model 3, 4 or 5. If the applicants do not adopt the above models, then they must provide their own articles.
  • Certificate of Compliance for Foreign Incorporated companies
  • KYC documents for each signatory

  Societies, Clubs, NGO’s, Churches

  • For NGO’s, letter of reference from NGO board
  • For fundraising accounts with a valid fund-raising permit
  • For religious organizations, an introduction letter from the deemed head of the body

  Trusts, Administrators, Executors, Liquidators

  • Letter of Probate/Administration
  • Trust Deed and Supplementary Deeds for any change in Trustees
  • Trust Resolution as specified in the Trust Deed

  County Governments, Government of Kenya Departments, Parastatals, Research Bodies

  • Certified copy of by-laws for County Governments
  • Letter of authority from the respective Ministry signed by the Permanent Secretary and / or the Cabinet Secretary
  • For constituent bodies / boards within the Ministry – Gazette Notice / respective Act constituting it
  • Resolution or Minutes to open the account and signing mandates
  • Minutes to prove elected officials

   

1. WHAT IS DIB MORTGAGE FINANCING?

DIB mortgage financing is a solution that avails funds to customers for purchase of completed residential housing unit, plot purchase or construction of a house on a preowned plot.

2. HOW DO I KNOW IF I QUALIFY FOR MORTGAGE FINANCING?

To start with, your net income should be able to support the monthly mortgage repayments and still remain within the 2/3 debt burden ratio. In addition, your salary should be channeled through DIB Bank Kenya.

3. WHAT DOCUMENTS DO I NEED TO APPLY FOR DIB MORTGAGE?

You need to complete a Mortgage Facility application form and return it alongside some few basic personal documents. A checklist of required documents can be obtained at any of our branches.

4. HOW MUCH DEPOSIT DO I NEED TO RAISE BEFORE I CAN OBTAIN BANK FINANCING?

You will be required to raise just 5% of purchase price and DIB will finance you for the 95% balance if purchasing a completed unit. For plot purchase DIB will finance 70% while for construction, DIB will finance 80%.

5. WHAT ARE SOME OF THE COSTS ASSOCIATED WITH MORTGAGE FINANCE?

In addition to monthly repayments, other costs that you need to consider include but no limited to; legal fees, valuation fees, taxes and statutory levies, insurance premiums among others.

6. HOW CAN I ESTIMATE THE EXPECTED MONTHLY REPAYMENT?

Kindly use our Financing calculator to evaluate your approximate repayment amounts.

1. WHAT DOES DIB AUTO FINANCE ENTAIL?

Our Auto Finance avails funds for purchasing motor vehicles for personal or business use for sole proprietors.

2. HOW DO I APPLY FOR AUTO FINANCE?

Our process is quick and easy. Simply walk to any of our branches and our relationship team will assist you to complete the DIB Auto finance application form. Return the form to get with requisite documents and you will have a feedback within 4 days.

3. DOES THE MOTOR VEHICLE HAVE TO BE NECESSARILY BRAND NEW?

No. We financing you for both new and preowned vehicles.

4. WHAT IS THE MAXIMUM ALLOWABLE AGE LIMIT FOR FINANCING PREOWNED VEHICLES?

The maximum age allowed for preowned (used) vehicles is 7 years from the date of manufacture.

5. HOW MUCH SHOULD I RAISE BEFORE THE BANK CAN FINANCE ME FOR MOTOR VEHICLE PURCHASE?

DIB will finance up to 80% of purchase price for new vehicles and 70% for preowned vehicles. You will be required to deposit your portion of financing before the bank avails financing.

1. WHAT DOES DIB PERSONAL FINANCE COVER?

Through DIB personal finance, we provide you with funds required for your day to day needs. Whether to purchase household goods or meet emergency cash needs, this solution caters for it.

2. WHAT IS THE QUALIFICATION CRITERIA TO GET PERSONAL FINANCE?

Your net salary after statutory deductions and other financial obligations determines how much you qualify to get as personal finance.

3. DO I HAVE TO CHANNEL MY SALARY THROUGH DIB TO QUALIFY FOR PERSONAL FINANCE?

Yes it is mandatory that your employee remits your salary through DIB Bank for you to enjoy our personal finance facility.

4. WHAT ARE THE OTHER CHARGES ASSOCIATED WITH PERSONAL FINANCE?

There is a documentation fee of 2% for facilities of up to Kes 1 Million. Facilities above Kes 1Million will attract a lower fee of 1%.

5. WHAT IS THE MAXIMUM AMOUNT AND MAXIMUM TENURE FOR THE FACILITY?

Based on your income and other existing financial obligations, you may qualify for up to Kes 4 Million with a repayment period of up to 60 months.

No, Islam does not prohibit from selling or buying or entering into partnership with non-Muslims provided the underlying transactions are Shari’a compliant

• Zakat is accounted as per the Articles and Memorandum of Association of the Bank and is approved by the Bank Fatwa and Shari’a Supervisory Boards on the following basis:

  a. The portion of Zakat payable by the Bank on its shareholders’ behalf is calculated on ‘statutory reserve’, ‘general reserve’, ‘retained earnings’ and ‘provision for employees’ end of service benefits’;

  b. Zakat on depositors’ investment risk reserve is calculated and deducted from the investment risk reserve balance held with the bank and added to the Zakat payable balance; and

  c. Zakat is disbursed by a committee appointed by the Board of Directors and operating as per the by-law set by the Board of Directors.

   

Yes, the Account Holder bears the loss in proportion to his/her investment.

• The form of Islamic insurance is TAKAFUL which is based on Shari’a rules. In case of absence of a Takaful based company, Shari’a compliant banks are allowed to get insurance cover through conventional insurance to avoid exposing the investors’ deposits to high risk.

   

• Takaful is the Islamic way of Insurance. Takaful means mutual protection and joint guarantee through contribution by each member.

   

Takaful eliminates the element of chance, gambling and ambiguity by:

a. Investing the deposit pool in only Shari’a compliant products.

b. The participants are investors and they share the profit of their investment.

c. A Takaful Company manages the Takaful Fund on Wakala or Mudharaba basis. At the same time they compensate those of the group who are exposed to losses.

• Yes, Takaful Insurance of Africa

   

• No, overdraft facility is not allowed in Shari’a compliant banking. Shari’a compliant banks may offer Shari’a compliant alternatives for such a facility.

   

• Shari’a compliant banks do not offer loans; they offer financing through Shari’a compliant modes of investment and transactions.

   

Members of DIBPL’s Shari’a Board are:

1) Dr. Hussein Hamed Hassan (Chairman of Shari’a Board)

2) Mian Muhammad Nazir (Member Shari’a Board)

3) Sheikh Badru Jaffar Swaleh (Resident member Shari’a Board)

DIB Bank Kenya offers specially tailored solutions to ensure your trade transactions are executed without delay. One of our competencies is in facilitating trade in commodities either for trading or for processing into value added products. Our wide range of Sharia compliant products are available to support:

• Domestic and international trade,
• All types of Letters of Credit, Bonds, Guarantees, Document Collections, Pre-Export and Collateral Financing
• Easy & transparent process

For more information, contact us or visit any DIB bank branch

1. WHAT IS ASSET BASED FINANCING?

In asset based financing, the asset purchased becomes the collateral for that facility.

2. WHAT KIND OF ASSETS CAN A BUSINESS ACQUIRE USING DIB ASSET BASED FINANCING?

If an asset is identifiable by registration number or serial number, then we can finance it! Array of assets includes to name but a few ; motor vehicles, Trailers, Earth moving equipment, construction Equipment, Machinery, Pickup Trucks, Motor Vehicles, Light industrial Plants, Milling, Lifting Equipment, Mineral water processing …, Meat processing …, Light Automotive Engineering …, Quarry equipment, Food processing …, shoe manufacturing … etc.

3. WHAT PORTION OF THE PURCHASE PRICE WILL I BE REQUIRED TO RAISE?

DIB will finance up to 80% of purchase price for motor vehicles and 50% of purchase price for machinery.

4. WHAT ARE THE REQUIREMENTS FOR APPLYING FOR ASSET BASED FINANCING?

To apply for Asset Based Finance you will need to complete a Business Facility Application Form and submit alongside other business documentation as indicated on the requirements checklist available at our branches. Our dedicated relationship managers can guide you through the process.

1. WHAT IS THE OBJECTIVE OF SME MORTGAGE FINANCE?

The purpose for SME Mortgage is to finance self-employed people and businesses for to acquire developed residential and commercial properties in urban areas.

2.WHAT PORTION OF THE COST WILL THE BANK FINANCE?

DIB Bank Kenya Mortgage Finance will cater for up to 80% purchase price of commercial and 90% of residential property. The customer will be expected to raise the other portion before the bank funds are released.

1.WHAT IS COVERED UNDER COMMERCIAL PROPERTY DEVELOPMENT?

This financing is for individuals and companies in need of completing commercial buildings for sale or rent. These can be single or multiple dwelling units for resale, rental or both

2.HOW MUCH OF THE TOTAL COST WILL THE BANK FINANCE COVER?

Facility for commercial property development covers up to 90% of the construction cost.

• 1. WHICH BUSINESSES ARE ELIGIBLE FOR STOCK AND WORKING CAPITAL FACILITY?

  If your business holds stock for resale or processing then this facility will suit you. Some of the target businesses include; Bakeries, Retailers/wholesalers, Contractors, Petroleum dealers, Stockists, Pharmacies, Flour Mills, Motor Dealers, Spare parts dealers, Grain Merchants etc. The above are only examples and the list is not exhaustive.

  2. WHAT CAN WORKING CAPITAL FACILITY BE USED FOR?

  Working capital finance can be used for a variety of purposes ranging from paying salaries, purchasing of stock, paying for advertisement/marketing, expansion into new regions. This facility can help your business get ahead of competition.

  3. WHAT IS THE REPAYMENT PERIOD FOR WORKING CAPITAL FINANCING?

  The repayment period depends on the trading cycle of the business. Thus, it varies from one type of business to another. We can guide you on an appropriate financing term for your type of business.

   

• Financing

   

  1. WHAT IS CONTRACT FINANCING?

  This solution offers financing to companies to enable them undertake projects or tenders issued by the government or reputed companies. The financing covers both tenders for supply of goods or construction projects.

  2. WHICH BUSINESSES QUALIFY FOR CONTRACT FINANCING?

  If you are a reputable business with a track record of successfully undertaking similar projects as the one financing is sought for, then you are the partner we are looking for.

  3. WHAT IS THE REPAYMENT PERIOD FOR FINANCING OBTAINED?

  The repayment period will be dependent on the nature of project undertaken. However, the period will revolve around 90 days.

   

1. WHAT KIND OF FINANCING CAN I GET AS A MEDICAL PRACTITIONER?

Our financing product for medical practitioners enables health practitioners acquire medical equipment, hospital premises through mortgage, auto finance or even funding of day to day operations through working capital financing.

2. WHO IS ELIGIBLE FOR FINANCING UNDER THIS PRODUCTS?

Financing is available to private medical practitioners, private hospitals and mission hospitals in need of equipment and other facilities related to their operations.

3. CAN I BE FINANCED TO BUY USED EQUIPMENT?

No. Our scheme finances only purchase of new medical equipment.

DIB Bank offers its esteemed customers many channels to access the Bank where it has invested heavily in an ever-expanding branch network, a robust online banking system and alternative modern payment and collection channels such as mobile money transfer services. Customers are served from the 7 branches of DIB (at Upperhill Head office, Goodman Branch at Westlands, Eastleigh Branch, Bondeni Branch in Mombasa, Contact Centre, Head Office / Switch Board and Kilindini House in Mombasa) with additional branches earmarked to be opened. A team of experienced and dedicated corporate relationship managers are at hand to meet the needs of existing and new customers. We would love to hear from you, contact us through corporate@dibkenya.co.ke

• The customer is at the heart of CB’s team and the core attributes of the team are:

  Responsiveness to the customer’s financial needs and building long-term financial partnerships driven by our team with unsurpassed knowledge and experience coupled with the Bank’s ability to offer comprehensive services and strategic solution-driven capabilities to corporate clients.

  Anticipation  of business needs and provision of timely financial solutions.

  Efficiency and being Proactive in turning around customer requests.

  DIB Bank Kenya blends local expertise with global insights enabling your business cross new frontiers while responding swiftly to the ever changing markets dynamics.

  Islamic banking and finance is today one of the world’s fastest-growing economic sectors that comprises of more than 400 institutions tasked with managing assets in excess of US$ 1 trillion globally.

   

This is a shariah compliant Facility that allows you to pay for your takaful premiums in installments over a maximum of 10 Months.

• As a fully shariah compliant Bank, we only finance takaful policies issued by fully shariah compliant takaful operators such as Takaful Insurance of Africa.

   

We finance Takaful policies with up to 12 months validity period e.g. Motor, Medical etc. As noted earlier, we only finance takaful policies issued by shariah compliant takaful operators.

The funds are paid directly to the takaful Operator. Your takaful Operator / agent is informed immediately this is done.

No.

We accept payments through cheques (first two instalments will be via a current cheque and the rest postdated). You will be required to open a DIB Bank account.

No. Even if you do not have an account with us we will still finance your Takaful Premium financing application. However, as a condition, you will be required to open and operate a DIB Bank account.

We will call you immediately to replace the payment and also inform your Takaful Operator.

The profit rate applicable varies. Its determined by the CBK rate.

All Dib Bank Kenya Branches Countrywide and all Agents Countrywide

Your DIB Bank Kenya ACCount number is all you need to transact. Supporting documentation/proof of source of funds may be required for amounts above Kes. 1M as per CBK prudential guidelines.

This service is offered at no additional cost. Existing charges may be levied as per the DIB Bank Kenya Tariff guide.

All DIB Bank Kenya IocaI currency current and Savings Accounts

Kenya Shillings transactions

Yourself, your agents, your tenants, your customers from any part of the country where Dib Bank Kenya has a presence, your authorized signatories, etc.

The transaction is instant and reflects in your DIB Bank Kenya Account in real-time to enable you our customers the convenience of virtual business and countrywide reach.

DIB Bank Kenya Limited will send you a notification text to your registered mobile number at the end of the transaction. You may also access your account statement through our mobile and internet banking or any of our ATM machines.

•  Always confirm the amount reflected on the deposit slip issued at Co-0p Bank, it will show the name and account number of your DIB Bank Kenya Account and the amount deposited. Should you have any dispute at the point of the transaction, the same can be picked with the teller.
• Should you have concerns after leaving the teller Counter regarding the nature of the transaction, amount, or availability of the same in your account, the same Can be addressed by Calling DIB Bank Kenya on +254 709 913000.

Yes, you can if you have an account with them.

Yes, you can by providing the account number and directing whoever is sending money to use the ‘Send to Account’ option.

The service is currently available on the DIB mobile App; thus, one needs a smart phone to access this service.

No. PesaLink does not provide funds transfer to those without a bank account.

A customer can link one account from each bank that they bank with.

Yes, there will be charges as below

No, users will not be charged to receive funds on PesaLink 

You will receive an SMS confirming successful transaction

Reversal of Pesalink transaction is automated i.e., if failure is due to system functionality, invalid account  number or phone number. 

The customer will be required to call the bank to initiate a reversal request for the transaction. Bank will follow process of reversal request as stipulated in the process by the member banks.