Business banking directory
United Arab Emirates SWIFT Codes and Bank Identifiers
Find SWIFT/BIC codes and three-digit UAE IBAN bank identifiers for selected major banks.
Use a SWIFT or BIC for an international business payment to the United Arab Emirates. Use the IBAN bank identifier only when the receiving instructions or payment form specifically request it.
The table covers four UAE banks whose official pages or payment documents publish the SWIFT/BIC and bank identifier or routing details. UAE electronic payments use the full 23-character IBAN; the three-digit identifier is shown as a reference, not as a replacement for the IBAN.
the United Arab Emirates SWIFT codes and IBAN bank identifiers
The UAE bank identifier is the three digits immediately after the IBAN check digits. The full IBAN identifies the bank and customer account. A SWIFT/BIC identifies the institution for international messaging.
Abu Dhabi Commercial Bank (ADCB)
ADCBAEAA
003
Emirates NBD
EBILAEAD
026
Mashreq Bank
BOMLAEAD
033
Emirates Islamic
MEBLAEAD
034
Use the beneficiary’s complete 23-character UAE IBAN. The Central Bank states that the three digits after the check digits identify the bank, but they are only one part of the payment instruction.
Are SWIFT codes different for business accounts?
Business and personal accounts usually share the institution-level SWIFT/BIC. The correct receiving instructions can still differ by legal entity, branch, account currency, product or correspondent route.
For a business payment, obtain bank-issued instructions showing the registered business name, account number or IBAN, account currency, legal bank name and the requested routing identifiers. Confirm changed or first-time details through a known contact at the recipient business.
How to choose the correct IBAN bank identifier
- Identify the payment route. International wires commonly use a SWIFT/BIC. Domestic payment rails may request the local code.
- Match the exact institution and branch. Do not substitute a code from another branch, product or legal entity.
- Check the account currency. Correspondent instructions can differ by settlement currency.
- Confirm before release. Compare the value with current instructions issued for the beneficiary account.
Using the United Arab Emirates bank details in a business payment workflow
Store the beneficiary name, account number or IBAN, currency, bank entity and verified routing details together. Require a second-channel check when bank details change before approving a payment.
Connect international payments to your business workflow
Quotable Payments helps businesses manage payment details alongside suppliers, invoices and approvals.
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Frequently asked questions
Is a UAE iban bank identifier the same as a SWIFT code?
No. The three-digit identifier is embedded in the UAE IBAN and identifies the account-holding bank. A SWIFT/BIC identifies a financial institution or service for international bank messaging.
Do business accounts use different SWIFT codes in UAE?
Usually the bank-level BIC is shared across customer types. Receiving instructions can still differ by legal entity, branch, currency, product or correspondent route.
How should these UAE bank details be verified?
Compare them with written receiving instructions issued for the beneficiary account. Confirm the legal bank entity, branch or service, account currency and payment route before releasing funds.
Can I send a UAE payment with only the three-digit bank identifier?
No. UAE domestic and cross-border electronic payments normally require the beneficiary’s complete 23-character IBAN; international instructions may also request the SWIFT/BIC.
