United Arab Emirates IBAN Format
23-character IBAN · AED UAE Dirham
A United Arab Emirates IBAN is 23 characters long and always begins with the country code AE, followed by two check digits. The next 3 characters are the Bank Code. The remaining 16 characters identify the individual account number. The United Arab Emirates IBAN uses the AED (UAE Dirham) and is not part of the SEPA zone, so international transfer fees and timelines apply.
Example IBAN
IBAN Structure
| Position | Length | Field | Type |
|---|---|---|---|
| 1–2 | 2 | Country Code | a |
| 3–4 | 2 | Check Digits | n |
| 5–7 | 3 | Bank Code | n |
| 8–23 | 16 | Account Number | n |
Major Banks in United Arab Emirates
| Bank Name | Bank Code | BIC / SWIFT |
|---|---|---|
| Abu Dhabi Commercial Bank (ADCB) | 012 | ADCBAEAA |
| Commercial Bank of Dubai | 023 | CBDUAEAD |
| Dubai Islamic Bank | 024 | DUIBAEAD |
| Emirates NBD | 020 | EBILAEAD |
| First Abu Dhabi Bank (FAB) | 033 | NBADAEAA |
| HSBC UAE | 035 | BBMEAEAD |
| Mashreq Bank | 026 | BOMLAEAD |
| Wise UAE | 232 | TRWIAEAD |
Validate a United Arab Emirates IBAN
Paste a United Arab Emirates IBAN below to check it.
^AE\d{2}\d{3}\d{16}$
Pattern validates length, country code, check digit positions, and field character types. Does not verify the MOD-97 checksum (use the validator above for full validation).
$iban = strtoupper(str_replace(' ', '', $input));
if (!preg_match('/^AE\\d{2}\\d{3}\\d{16}$/', $iban)) {
// Invalid United Arab Emirates IBAN format
}const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^AE\d{2}\d{3}\d{16}$/;
if (!pattern.test(iban)) {
// Invalid United Arab Emirates IBAN format
}import re
iban = input_str.replace(' ', '').upper()
pattern = r'^AE\d{2}\d{3}\d{16}$'
if not re.fullmatch(pattern, iban):
# Invalid United Arab Emirates IBAN formatThese snippets check format only. For full IBAN validation including MOD-97 checksum, use a dedicated IBAN library or the validator on this page.
How to Find Your United Arab Emirates IBAN
United Arab Emirates accounts are traditionally identified using: Bank Code (3n) + Account Number (16n). Your IBAN encodes these same components in the standardised international format.
-
1
Mobile banking app — Open your bank's app, navigate to account details or "Account Info." Your IBAN is usually displayed alongside your account number. Look for a field labelled "IBAN" or "International Account Number."
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2
Bank statement — Your United Arab Emirates IBAN appears in the account header of your printed or PDF bank statement, typically near the top of the first page.
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3
Online banking — Log in to your bank's website and go to "Account Details," "Account Summary," or "Profile." Most United Arab Emirates banks display the IBAN prominently in account settings.
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4
Bank branch or helpline — Call your bank's customer service or visit a branch with your ID. They can provide your full IBAN instantly.
Once you have your IBAN, use the validator above to confirm it is correctly formatted before sharing it.
Sending Money to United Arab Emirates
- Recipient's full name
- IBAN (23 characters, starts with AE)
- BIC / SWIFT code
- Recipient's bank address (some banks)
UAE adopted IBAN in 2011, replacing the traditional bank code + account format. Not SEPA. Always include BIC for international transfers. UAE uses AED (UAE Dirham). IBAN is mandatory for all transfers through UAE banks per Central Bank regulation. The 3-digit bank code identifies the UAE bank.
Specialist services typically charge significantly less than high-street banks for international transfers.
Quick Facts
- IBAN Length
- 23 chars
- Country Code
- AE
- Currency
- AED
- SEPA
- No
- BBAN Format
- 19n
- IBAN Required
- mandatory
- Adopted
- 2011