Dukhan Bank does one thing no other Qatari bank does: it publishes the actual profit rates it paid on every deposit class, monthly, back to 2019. That single page converts Islamic banking's expected profit from a slogan into a checkable series, and it makes Dukhan the easiest bank in Qatar to evaluate honestly. Formed from the 2019 merger of Barwa Bank and International Bank of Qatar and listed on the QSE in 2023, the bank held QAR 129.2 billion in assets at H1 2026 with net profit of QAR 812.8 million. We verified every figure below on 2026-08-04 against Dukhan's own pages, tariff guide and historic rates table.
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Current account: a clean utility
Free debit card, free first cheque book, no minimum balance fee, free ATM withdrawals in Qatar, QAR 4 local transfers and FAWRAN instant payments from QAR 0.50. The bank states plainly that customer money is never invested in non-Shariah activities. Two annoyances: opening requires a branch visit with a salary transfer letter and an employer introduction letter, which feels dated next to Dukhan's otherwise strong digital push, and no minimum salary threshold is published, so expats cannot self-assess before showing up. Returned cheques cost QAR 400, standard for the market and worth respecting in a country where post-dated cheques still anchor rents.
Savings account: the honest floor
The base Mudaraba savings account pays monthly profit on balances of QAR 25,000 plus, with unlimited transactions and QAR or USD denominations. Through 2025 it paid 0.60% per annum on QAR and 0.25% on USD, published in the historic table. That is minimal, and Dukhan makes no attempt to disguise it. Everything else at the bank is this account plus conditions: more yield in exchange for balance floors and withdrawal rules. Park the emergency fund here; move anything that can sit still up the ladder.
Faseel: 3.00% with two rules
Faseel is the sharpest deal in Qatari cash savings for anyone who can obey its rules: hold at least QAR 100,000, and touch the account at most once a month, remembering that a single card tap at a shop counts as your touch. In exchange: 3.00% per annum expected, computed on the month's minimum balance and paid monthly, on balances up to QAR 2 million. Crucially, the historic table shows Faseel actually paid 3.00% through 2025; the number is demonstrated, not just marketed. Breach a rule and the month reverts to the ordinary savings rate (0.60% in 2025). One quietly excellent feature: financing up to 90% of the deposit at a preferential rate with no salary certificate, giving liquidity without breaking the rate. The hidden cost against AlRayan's Al Thahabi is the profit method: minimum monthly balance punishes a mid-month dip far harder than Al Thahabi's daily accrual.
Exceptional: Qatar's highest published deposit rate
Exceptional Savings pays 3.25% per annum expected, the top published deposit rate in Qatar as of 2026-08-04, paid quarterly. Entry is QAR 200,000 minimum, balances above QAR 3.5 million revert to the ordinary rate, and liquidity is rationed sensibly: one withdrawal of up to 25% of the balance per quarter, which suits real-life lumpy spending better than Faseel's single monthly touch. Existing customers can open it instantly in Dukhan Mobile, and a credit card can be issued against the deposit. The caveat: unlike Faseel, Exceptional is not itemised in the historic table, so the 3.25% remains a forward expectation rather than a demonstrated payout.
Jeelkum: a youth account with adult thresholds
Jeelkum opens from QAR 5,000 and publishes a full tier ladder: 3.0% expected on average balances of QAR 100,000 plus (paid monthly), 1% on QAR 50,000 to 100,000, 0.75% below QAR 50,000, and the normal savings rate below QAR 25,000. The top tier delivered 3.00% through 2025 per the historic table. The design tension is obvious: few young savers hold six figures, and at balances youth actually carry the account pays 0.75%. Read between the lines and Jeelkum's real audience is families parking money in a young adult's name. One disclosure miss: the qualifying age range is not published online. Compare the field in our youth banking guide.
Thara'a: four millionaires a year
Dukhan's prize account pays four QAR 1,000,000 grand prizes annually (April, July, October 2026 and January 2027 per the published calendar) plus monthly draws of 2 x QAR 20,000 and 60 x QAR 5,000, roughly QAR 6.7 million across the 2026 calendar. Grand-prize eligibility requires three consecutive months of maintained balance with at most three withdrawals, more forgiving than all-or-nothing rivals. Mechanics are vaguer than AlRayan's Al Tijori, which publishes its exact entry math; Thara'a does not state the per-entry balance increment on its page. No regular profit rate is addressed, so assume prizes replace yield. Winners are published on a dedicated page, which keeps the draws verifiable.
Time deposits: honest, oddly priced
Dukhan's Mudaraba fixed deposits open from QAR 50,000 with tenors from 1 month to 5 years and monthly profit payments, a genuinely uncommon feature useful for anyone living off deposit income. The published paid rates through 2025: 1.45% at 1 month to 1.55% at 6 to 12 months on QAR, and 1.15% to 1.25% on USD. Here is the oddity Dukhan's own transparency exposes: its conditional savings accounts pay roughly double its time deposits. Faseel at 3.00% with monthly liquidity dominates a 12-month deposit at 1.55% for almost every saver above QAR 100,000. Unless you specifically value the contractual tenor or the monthly income stream on a smaller balance, the savings ladder wins at this bank. Early withdrawal terms are not published; ask in branch before booking long tenors.
Call account for home businesses
A niche product worth knowing: Qatar's licensed home businesses (meal prep, tailoring, design and similar, under a Ministry of Commerce and Industry home business licence) can open a dedicated call account with POS card acceptance, a debit card, full digital banking and an SME relationship manager. The call account class paid 0.30% through 2025. The paperwork is heavy (licence copy issued within 30 days, request letters), but for a Doha home business stranded between personal and corporate banking, nothing else in the market fits as well. More in our freelancer banking guide.
The ladder in one table
| Account | Rate (published) | Minimum | Key rule |
|---|---|---|---|
| Savings | 0.60% paid 2025 | QAR 25,000 for profit | None; unlimited transactions |
| Faseel | 3.00% expected and paid | QAR 100,000 | One withdrawal or POS tap per month |
| Exceptional | 3.25% expected | QAR 200,000 | One withdrawal up to 25% per quarter |
| Jeelkum | 0.75% to 3.0% by tier | QAR 5,000 opening | Top tier needs QAR 100,000 average |
| Thara'a | Not published, plus prizes | Not published | 3-month hold for grand draws |
| Time deposits | 1.45% to 1.55% paid 2025 | QAR 50,000 | Monthly payouts; exit terms in branch |
Governance and verdict
Dukhan's Shariah and Fatwa Advisory Board (Shaikh Dr. Waleed Mohammed Hadi chairing, with Shaikh Dr. Esam Khalaf Al-Enezi and Shaikh Dr. Osama Qais Al-Dereai) takes binding decisions, is backed by a dedicated Shariah audit team, and publishes downloadable annual Shariah and Zakat reports. For savers, Dukhan is arguably the strongest Islamic offer in Qatar: printed rates, proof of delivery, and a ladder for every balance size. The blind spot is financing pricing, none of which is published, so borrow elsewhere or extract quotes in writing. Compare the whole market on our bank accounts page.
Frequently asked questions
What is the catch with Faseel's 3.00%?
Two rules: keep at least QAR 100,000 in the account, and make at most one withdrawal or POS transaction per month. Breach either and that month pays the ordinary savings rate instead. Profit is also computed on the month's minimum balance, so a mid-month dip sets your whole month's base.
Are Dukhan's published rates guaranteed?
No. All Dukhan deposits are unrestricted Mudaraba, so rates are expected profit distributions, not contractual interest. What Dukhan uniquely offers is evidence: a published table of what each class actually paid since 2019, which shows the expected rates being delivered in practice.
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Should I use Dukhan's time deposits or Faseel?
For balances above QAR 100,000 that can sit still, Faseel paid roughly double the time deposits through 2025 (3.00% versus 1.45% to 1.55%) while staying accessible monthly. Time deposits make sense mainly for balances between QAR 50,000 and 100,000, or when you want the discipline of a fixed term with monthly income.