Bank by bank
DIB: who to contact when you can't pay, and what to say
The Finance counsellors, Special Accounts Management Unit exists to agree a plan with you. Contacting them before a payment is missed keeps every option open.
Checked on the banks' own websites on 26 August 2026.
Contacts for DIB
- The team
- Finance counsellors, Special Accounts Management UnitCovers conventional and Islamic products
- Debt team phone
- +971 4 503 2400
- Walk-in
Al Nahda walk-in
Dubai Islamic Bank Al Nahda Building, 1st Floor, Al Nahda 1, Al Nahda, Dubai
- Monday–Thursday: 8:45am–4:45pm
- Friday: 8:45am–12:00pm and 2:00pm–4:45pm
What happens if you don't pay DIB
Reminders first, then a recovery officer, then a report to the Etihad Credit Bureau, and only for larger unresolved debts a civil claim. A travel ban needs a court order for a debt of AED 10,000 or more; a bank cannot impose one on its own.
Read what happens, stage by stage →What to say
Ask in writing, be specific about what you can pay and from when, and keep the reply. Our deferment guide has a copy-and-adapt email that UAE banks recognise.
Get the email template →Work out what you can offer first
Put your balances and payments into the calculator to see what a realistic plan looks like before you write.
Open the calculator- How do I contact DIB's hardship team?
- Email Finance.Counselors@dib.ae. You can also call +971 4 503 2400. Every detail here was verified on DIB's own website on 26 August 2026; the bank's page is the final word.
- Can DIB put a travel ban on me?
- No bank can impose a travel ban on its own. Under the 2022 Civil Procedures Law a creditor must ask the Execution Court, generally for an established debt of AED 10,000 or more, and a judge decides.
- Will DIB restructure or defer my loan?
- Hardship teams can offer deferments, restructured instalments or settlement plans instead of legal action. Nothing is guaranteed, but asking early and in writing, with a realistic figure, is what makes an arrangement likely.
Other banks
Hisab drafts the email to DIB for you, in your language, and keeps every debt in one place on your phone. Free, no account.