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Discover more about banking with usWe have over 200 branches and 900 ATMs and CDMs across the UAE and overseas.
Learn more about our services and get the most out of your banking relationship with us.
Visit our dedicated support center for answers to all your banking-related questions.
Introducing Signature, a programme of distinction reserved for the upper crust of Emirates NBD
Our wealth solutions help you manage your financial future better and achieve your financial goals.
Life is uncertain but you can be prepared to face adversity with our wide range of insurance plans.
Everyday banking is a lot easier with our digital banking platforms and services.
Learn more about our services and get the most out of your banking relationship with us.
We welcome you to a bespoke banking experience tailored to suit your private banking & wealth management needs, should you, your family, or your business have USD 5 Million (or currency equivalent) and above as Assets Under Management with us.
Start your banking journey with the leading bank in the region.
Find a suitable account and applyDiscover the benefits of being our customer by browsing through our banking packages.
Learn more about banking packagesLearn all about how to use your account's features and benefits to the fullest.
Visit our dedicated support center for answers to all your banking-related questions.
All our cards offer you an exciting range of rewards and benefits.
Find a suitable card and applyGet the most out of your credit card by exploring its different benefits.
Learn all about how to use your card's features and benefits to the fullest.
Visit our dedicated support center for answers to all your banking-related questions.
Here's how to make the most out of your loan with us.
Visit our dedicated support center for answers to all your banking-related questions.
Our various FX products and services help you conduct your international transactions easily.
Our wide range of transfer options make it easier for you to send money locally and internationally.
Learn all about how you can seamless use our services to transfer money.
Our wealth solutions help you manage your financial future better and achieve your financial goals.
Know more about our Wealth servicesLife is uncertain but you can be prepared to face adversity with our wide range of insurance plans.
Access to over 11,000 stocks and ETFs in Global and UAE markets
Visit our dedicated support center for answers to all your banking-related questions.
Everyday banking is a lot easier with our digital banking platforms and services.
Discover more about banking with usWe have over 200 branches and 900 ATMs and CDMs across the UAE and overseas.
Learn more about our services and get the most out of your banking relationship with us.
Visit our dedicated support center for answers to all your banking-related questions.
Start your Priority Banking journey and live your success
Introducing Signature, a programme of distinction reserved for the upper crust of Emirates NBD
Our wealth solutions help you manage your financial future better and achieve your financial goals.
Life is uncertain but you can be prepared to face adversity with our wide range of insurance plans.
Everyday banking is a lot easier with our digital banking platforms and services.
Learn more about our services and get the most out of your banking relationship with us.
We welcome you to a bespoke banking experience tailored to suit your private banking & wealth management needs, should you, your family, or your business have USD 5 Million (or currency equivalent) and above as Assets Under Management with us.
An IBAN (International Bank Account Number) is an international code that is used to identify overseas banks accounts. Your IBAN has 23 alphanumeric characters and will always start with a two-letter country code. It also contains the bank code and your account number. All UAE IBANs will start with AE.
Example: AE12 3456 7890 1234 5678 900
IBANs are important for international banking because they quickly identify the country and the exact bank account to which money is being transferred. They're also an effective way for banks to verify account details.
Some countries like the US and India don’t yet use IBANs and SWIFT codes, they use an account number and routing number combination instead.
With an IBAN, your inward and outward money transfers are automatic, speedy, error-free and cheaper than they used to be. All inward and outward money transfers in the UAE, as well as salary payments through the Wage Protection System (WPS) now require an IBAN.
Here's why you should always use an IBAN:
A SWIFT code identifies only the bank, an IBAN on the other hand identifies the bank as well as a specific account at the bank. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication and is a global network for processing payments between countries.
SWIFT has three elements – a 4-letter bank code, a 2-letter country code (e.g. AE for UAE), location identifier which can be letters or digits, and in some cases three final characters that refer to a specific branch of the bank.
Example: Emirates NBD SWIFT code is EBILAEADXXX
Both IBANs and SWIFT play crucial roles in ensuring the international payment reaches the right bank account.
It’s merely a technicality. BIC or Bank Identifier Code is the same as a SWIFT code. The network is called SWIFT and the codes are known as BIC.
Routing numbers or bank codes are special codes assigned to financial institutions in certain countries to route local and international money transfers. In most cases these act as an alternative to SWIFT codes.
Examples for countries that use these types of codes are FEDWIRE in the US, Sort code in the UK and IFSC in India.
IBANs are used worldwide with the exception of a few countries. Payments must have SWIFT and IBAN of the beneficiary when requested the transfer. If this information is missing, it can result in charges and rejected payments.
When receiving money
You should share your IBAN and SWIFT with anyone making a payment to you either locally or from abroad.
When sending money
State the IBAN and SWIFT of the beneficiary when sending money either locally or abroad. Some countries may require specific bank codes or routing numbers as well.
Using these codes ensures the money reaches the right account quickly, cost-effectively and without error.
You will find your IBAN and SWIFT on your account statement, on your Emirates NBD Online Banking, or on Emirates NBD Mobile Banking under the selected account details.
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