The Emirates NBD SWIFT/BIC code is EBILAEAD. The 11-character format is EBILAEADXXX. If you’re sending an international transfer to an Emirates NBD account, you’ll typically need the beneficiary’s IBAN along with the bank’s SWIFT/BIC code. This guide explains the difference between the 8- and 11-character formats, what information to provide the sender, and how to verify the correct details before sending.
Key Takeaways
- Use the SWIFT/BIC format requested by the sending bank or payment platform. The main Emirates NBD BIC is EBILAEAD, while EBILAEADXXX is the corresponding 11-character format.
- A UAE IBAN is 23 characters and starts with AE. Check the complete IBAN carefully before sending a transfer.
- For an international transfer, the sender will generally need the beneficiary’s name, IBAN, Emirates NBD SWIFT/BIC code, and routing code along with any additional information requested by the sending bank.
- International transfer times and costs vary by sending bank, currency, intermediary banks, exchange rates, and the payment route used.
- Verify your SWIFT/BIC and IBAN through Emirates NBD’s current official channels before sending or sharing transfer details.
First, let’s look at what the Emirates NBD SWIFT/BIC code means and how the 8- and 11-character formats differ.
Emirates NBD Bank Key Details
Here are the key Emirates NBD details to check before sending an international transfer:
| Bank Detail | Information |
|---|---|
|
Bank Name |
Emirates NBD Bank PJSC |
|
Bank Headquarters |
Baniyas Road, Deira, P.O. Box 777 Dubai, UAE |
|
SWIFT/BIC (8 characters) |
EBILAEAD |
|
SWIFT/BIC (11 characters) |
EBILAEADXXX |
|
UAE IBAN |
23 characters, beginning with AE |
|
Routing Code |
302620122 |
|
Contact Number/Helpline |
+971 600 540000 |
Before sending a transfer, verify the beneficiary’s complete IBAN and the SWIFT/BIC format requested by the sending bank. Additional routing, clearing, or correspondent-bank information may also be required depending on the payment route.
Emirates NBD Branch SWIFT Codes Directory
If you’re sending to a specific branch, use the directory below to find the exact code.
| SWIFT Code | Branch/Department Name | Address |
|---|---|---|
|
EBILAEADXXX |
Head Office |
Baniyas Road, Deira, Dubai |
|
EBILAEADDMB |
Dubai Main Branch |
ENBD GHO Building, Baniyas Road, Deira, Dubai |
|
EBILAEADJUM |
Jumeirah Branch |
Al Wasl Road, Jumeirah, Dubai |
|
EBILAEADAMR |
Al Maktoum Road Branch |
Al Maktoum Road (Clock Tower), Deira, Dubai |
|
EBILAEADBSQ |
Baniyas Square Branch |
Baniyas Street, Beniyas Square, Deira, Dubai |
|
EBILAEADSUK |
Al Souk Branch |
Al Falah Road, Al Souk Al Kabeer, Dubai |
|
EBILAEADGAL |
Galleria Branch |
Hyatt Regency Hotel, Corniche Road, Deira, Dubai |
|
EBILAEADADB |
Abu Dhabi Main Branch |
Abu Dhabi city |
|
EBILAEADSAT |
Satwa Branch |
Al Badaa St, Al Satwa Rd, Al Satwa, Dubai |
|
EBILAEADQID |
Qiyadah Branch |
Al Ittihad Rd, Next to Dubai Police HQ, Al Qiyadah, Dubai |
|
EBILAEADKAM |
Karama Branch |
Za’abeel Road, Near General Post Office, Al Karama, Dubai |
|
EBILAEADJAZ |
Jebel Ali Branch |
Jebel Ali Free Zone, Jebel Ali, Dubai |
|
EBILAEADBTA |
Bander Taleb Branch |
Baniyas Street, Deira, Dubai |
|
EBILAEADSEC |
Emirates NBD Securities |
Standard Chartered Tower, Downtown Dubai |
|
EBILAEADFIN |
Finance Department |
ENBD Group Head Office, Baniyas Road, Deira, Dubai |
|
EBILAEADTFS |
Trade Finance Services |
ENBD Group Head Office, Baniyas Street, Deira, Dubai |
Always confirm the SWIFT code with the branch before initiating a transfer. Branch details can change. If you can’t find the exact branch code, the head office code EBILAEADXXX will route your transfer correctly.
Breaking Down EBILAEAD: Bank, Country, Location, Branch
A SWIFT/BIC is made up of standardized components that identify the financial institution, country, location, and, when present, a specific branch or office.
EBIL
Bank identifier. EBIL identifies Emirates NBD within the SWIFT/BIC system.
AE
Country code. AE is the ISO country code for the United Arab Emirates.
AD
Location identifier. This two-character component forms part of Emirates NBD’s BIC and identifies the bank’s registered SWIFT/BIC location. It should not be interpreted simply as the physical location of the beneficiary’s branch.
XXX
Branch identifier. In an 11-character BIC, the final three characters identify a branch or office. XXX is commonly used to indicate the primary or head-office BIC when no specific branch identifier is included.
8-Character vs 11-Character: When to Use Which
An 8-character BIC identifies the bank and location, while an 11-character BIC adds a three-character branch or office identifier. For Emirates NBD, EBILAEAD is the 8-character BIC and EBILAEADXXX is the 11-character version using XXX as the branch identifier.
How SWIFT, IBAN, and Routing Codes Work Together
SWIFT/BIC, IBAN, and routing or clearing details serve different purposes. Here’s how they fit together in a transfer.
The Role of SWIFT in International Transfers:
A SWIFT/BIC identifies the financial institution and its location within the international payment network. For Emirates NBD, the 8-character BIC is EBILAEAD, while EBILAEADXXX is the 11-character format.
IBAN: Your Account's Unique Identifier:
The IBAN identifies the beneficiary’s bank account. UAE IBANs are 23 characters long and begin with AE, representing country, bank, and account number in a standardized format. The IBAN works alongside the SWIFT/BIC to identify where the payment is being sent and which account should receive it.
Routing Codes: The Local Clearing Key:
For AED transfers, routing code 302620122 directs funds through the UAE’s local clearing system, telling it which branch handles the money. Confirm any routing or clearing details with Emirates NBD or the sending bank when the payment form asks for them.
Putting It All Together:
In a typical international transfer, the sender provides the beneficiary’s name and IBAN along with the receiving bank’s SWIFT/BIC. The sending bank and any intermediary institutions then process the payment according to the payment route and information provided. If the sending bank requests additional routing or clearing details, those should be confirmed before the transfer is submitted.
Sender's Checklist: What Information to Provide for a Smooth Transfer
If someone is sending money to your Emirates NBD account or you’re sending money to someone, you need the following details and confirm any additional fields requested by the sending bank.
Beneficiary Details
Provide the beneficiary’s full name along with the complete 23-character IBAN. If the sending bank requests an account number separately, provide the account details shown by Emirates NBD.
Bank Details
Bank name: Emirates NBD Bank PJSC. Provide the SWIFT/BIC requested by the sending bank or confirmed by Emirates NBD for the beneficiary’s account.
Additional Codes (if required)
Additional routing or clearing details may be requested depending on the payment method and sending bank. If a routing code or correspondent-bank detail is requested, confirm the correct information with Emirates NBD before submitting the transfer.
Pro Tips for Accuracy
Copy the IBAN and SWIFT/BIC directly from a reliable bank source rather than entering them manually. If a transfer is delayed, you can ask the sender, and they can request the payment reference or MT103 from the sending bank to help trace the transaction.
The International Transfer Process: Step-by-Step from Initiation to Credit
Once the required details are submitted, the payment is processed through the sending bank and, where applicable, intermediary or correspondent institutions before reaching the beneficiary’s bank.
Step 1: Sender Initiates the Transfer
The sender submits the beneficiary’s name, IBAN, Emirates NBD’s SWIFT/BIC, transfer amount, currency, and any other information requested by the sending bank. For a SWIFT payment, the sending bank generates the relevant payment message and begins processing the transfer.
Step 2: Intermediary Banks and SWIFT Messaging
Depending on the payment route, the transfer may involve one or more correspondent or intermediary banks. These institutions can affect processing time and the fees or exchange rate applied to the payment.
Step 3: Emirates NBD Receives and Credits the Funds
Once Emirates NBD receives the payment and the required checks are completed, the funds can be credited to the beneficiary’s account. Processing time and any applicable charges depend on the sending bank, payment route, currency, intermediary institutions, and other transaction-specific factors.
Typical Timelines and What Can Cause Delays
International transfer times vary by the sending bank, currency, payment route, intermediary institutions, cut-off times, weekends, holidays, and compliance checks. If a transfer is delayed, ask the sender for the payment reference or MT103 and contact Emirates NBD with the reference number. It’s the fastest way to trace the payment.
How to Find Your Emirates NBD SWIFT Code
Before sending a transfer, confirm the SWIFT code tied to your Emirates NBD account. The bank’s official channels and your account documents are the best places to verify current banking details.
Check Your Bank Statement or Online Banking
Check your Emirates NBD online banking, mobile banking, or account statement for your current banking details. If the SWIFT code is not shown, confirm it directly with Emirates NBD before sending the transfer.
Visit the Official Emirates NBD Website
Check Emirates NBD’s official website for its current SWIFT and IBAN guidance. If the bank provides a code or verification tool for your account, use that information rather than relying on an older third-party directory.
Use Reliable Online SWIFT Code Directories
Sites like Wise, Skydo, and RemitFinder offer searchable databases of SWIFT codes. They are convenient but treat them as secondary sources. Banking details can change, so verify the code against Emirates NBD’s current information before sending a transfer.
Contact Emirates NBD Customer Service
If you are still unsure, contact Emirates NBD directly or visit a branch and ask the bank to confirm the SWIFT code required for your account. This is especially useful when the sender’s bank requires an 11-character code.
Conclusion
You now have the complete picture: Emirates NBD’s 8-character SWIFT/BIC is EBILAEAD, while EBILAEADXXX is the corresponding 11-character format, the IBAN is 23 characters starting with AE, and the routing number is 302620122. Transfer times and fees can vary depending on the sending bank, currency, intermediary banks, and payment route.
Before sharing your payment details log in to Emirates NBD online banking and confirm the beneficiary’s name, IBAN, and SWIFT code. If the sending bank requests additional routing or correspondent-bank details, confirm those requirements with Emirates NBD before the transfer is submitted.
Trust & Sourcing
- This guide is based on official Emirates NBD resources, the Central Bank of the UAE rulebook, and verified third-party directories. Bank details can change, so always confirm with Emirates NBD before initiating a transfer.
- All SWIFT code recommendations are sourced from Emirates NBD’s official support page and cross-checked against trusted third-party directories.
Frequently asked questions
Is EBILAEAD the same as EBILAEADXXX?
EBILAEAD is the 8-character BIC, while EBILAEADXXX is its 11-character form with the XXX branch identifier. Both identify Emirates NBD, but the format accepted can depend on the sending bank or payment platform. If the form requires 11 characters, use the format specified by the bank or Emirates NBD.
Do I need an IBAN?
Yes, the beneficiary’s IBAN is generally required. UAE IBANs contain 23 characters and begin with AE. You can find your Emirates NBD IBAN through your account statement or the bank’s digital banking channels.
What about the routing code?
Routing number is 302620122. Do not assume that the routing code is required for every transfer. If the sender’s bank requests additional routing information, confirm the required details with Emirates NBD before submitting the payment.
How long does a transfer take?
Typically, 2–3 working days. International transfer times vary depending on the sending bank, currency, intermediary banks, compliance checks, weekends, and holidays. Delays usually come from intermediary banks or compliance checks, not from Emirates NBD.
Are there fees to receive money?
Emirates NBD does not charge for receiving international transfers via online or mobile banking. Fees can depend on the type of transfer, the account, the payment route, and any intermediary banks involved. Check Emirates NBD’s current tariff and the sending bank’s fee schedule before sending a large payment.
Which Emirates NBD SWIFT code should I use?
Use the SWIFT/BIC details provided by Emirates NBD or the beneficiary’s account documentation. If the sending bank requires a specific 11-character code, confirm the correct format before submitting the transfer rather than guessing.
What should I do if my international transfer is delayed?
Ask the sending bank for the payment reference or MT103 and contact Emirates NBD with the relevant transfer details. The sending bank can also check whether the payment was held, rejected, or returned.