Frequently Asked Questions (FAQs)

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DIB Account

It’s really easy! Just head to the registration page, click Register, choose the account type, fill the form in just a few minutes and you’re done.

No, you do not have to be a US resident to open an account at DIB, we are an international bank, so we can accept clients from over 150 countries!

We charge fees for some of our services, depending on how you use your account.

There’s more information in our Fee Information document.

Yes we do! To get a joint account between two people, you’ll need to register together and add the second person as an authorized signatory. However, at this time there is only one username/password combination available per account. But we are working on making this function more flexible for you.

No, you don’t have to undergo any kind of credit check to open a DIB account, we only perform an application screening and KYC validation.

The most accurate term to define a DIB account is “Deposit Account.” This is because DIB accounts do not provide checks or interest rates on savings, yet. We are always working on expanding and improving our offerings, but right now we provide you with an account to safely store your funds, make international transfers and invest using our partnership with Morgan Stanley.

The security key is used to execute transactions in the online portal and is only provided once, upon the opening of your account so that if anyone were to somehow gain access to your account, they could not perform any transactions. It is for this reason that we ask you to write it down and store it somewhere private and safe.

Should you lose or forget your security key, you can contact your designated account executive and she/he will help you to request a new one.

About DIB

Yes, “Digital International Bank Ltd” is fully licensed in the US and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico. Our license number is IFE-40.

At DIB, we believe that banking should be an experience, not just a transaction. This is what we call Hybrid Banking – the best of both worlds between online and traditional banks. You can do everything from checking balances to transferring funds with our online portal, but if you ever need help, there are always real people ready to assist you over video call, phone or email.

Your banking experience with us is tailored to your success, if you want a fully digital experience you can self-serve for all banking activities. However, if you want a Personal Banker to assist you, one of our superstar account executives will be happy to help you with everything you need.