UAE Free Zone IBAN and Banking Code Reference 2026
UAE IBANs have a specific format. Here is the complete 2026 reference guide to UAE banking codes for free zone companies.
In this guide:
UAE IBAN Format
- UAE IBAN: 23 characters total
- Format: AE followed by 2 check digits and 19-digit account number
- Example: AE070331234567890123456
- UAE SWIFT country code: AE
Major UAE Bank SWIFT / BIC Codes
| Bank | SWIFT/BIC Code |
|---|---|
| Emirates NBD | EBILAEAD |
| FAB (First Abu Dhabi Bank) | NBADAEAA |
| ADCB | ADCBAEAA |
| Mashreq Bank | BOMLAEAD |
| RAK Bank | NRAKAEAK |
| DIB (Dubai Islamic Bank) | DUIBAEAD |
| Wio Bank | WIOBAEAA |
UAE Central Bank BIC
- Central Bank of UAE: CBUAAEAA
Receiving International Wires to UAE
- Provide: Your full IBAN + SWIFT/BIC of your UAE bank + bank name + bank address
- Correspondent bank: Large banks (HSBC, Citibank, JPMorgan) act as correspondents for many UAE bank SWIFT transfers
- Currency: UAE banks receive USD, EUR, GBP, and AED transfers; specify currency when sharing account details