Arab International Bank SWIFT/BIC code

What ARIBEGCX means for a payment to Arab International Bank

Whether you are given ARIBEGCX or ARIBEGCXXXX, it is the identical identifier for Arab International Bank in Egypt. Banks worldwide use these codes to direct international transfers to the correct institution. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page you will find how the code is put together, when you need it and which other details a transfer to or from Arab International Bank requires. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN is for.

Changed bank details? Be careful

Be alert when someone suddenly wants you to send money to a different account abroad. A correct SWIFT code says nothing about who owns the account.

Always confirm changed bank details through a phone call on a number you know, not one from the message. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. Acted too fast? Contact the bank you paid from straight away and have them start a recall.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference. Wait until the money has really arrived – ask Arab International Bank if something looks wrong.

Sending money abroad from Arab International Bank

When you send money to another country from Arab International Bank, the visible fee is only part of what you pay. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup if the currency changes.

That exchange rate margin tends to be the biggest item, and it is easy to miss. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay compares these services next to each other so you can see the amount the recipient gets for the same amount sent. Choosing a specialist does not mean leaving Arab International Bank.

Is ARIBEGCX still correct? How to check

Ask the recipient to send you their bank details straight from a recent statement. When the code you were given does not match ARIBEGCX or ARIBEGCXXXX, stop and ask: check with the recipient or with Arab International Bank directly.

Mistakes in the SWIFT code are annoying more than fatal – usually the money comes back, minus fees and time lost. Do not forget the account number: an error there can be harder to correct than a wrong code.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically. More and more banks compare the name against the account before you confirm. A small test payment is worth it for large sums, even if it costs an extra fee.

Receiving money from abroad at Arab International Bank

When you expect a payment from another country, send the payer everything they need in one go. That means: your name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code ARIBEGCXXXX (or ARIBEGCX) and sometimes your postal address.

It helps to add the bank name and its city too, because some payment forms have separate fields for them. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

Expect that the amount credited is below the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank. Agree with the sender who covers the fees.

About this information

The directory on GoldexPay is based on publicly available sources. Even so, banks merge or retire codes. The figures we show reflect our own data.

See the information on this page as a helpful check and rely on the recipient or Arab International Bank for the final confirmation. GoldexPay is an independent comparison service and not part of Arab International Bank. Spotted an error? Let us know through the contact page.

ARIBEGCX or ARIBEGCXXXX – which one to use?

A BIC is built from fixed blocks: characters one to four identify the bank, characters five and six show the country and characters seven and eight mark the location. That gives you ARIBEGCX for Arab International Bank.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office.

Enter the code in one piece, in capitals and without separators. Copying the code is safer than typing it by hand.

Which of the 15 codes of Arab International Bank do you need?

Arab International Bank has 15 separate SWIFT/BIC codes across 7 locations. One of them is the head office code, ARIBEGCXXXX; the others belong to branches.

If nobody asks you for a branch code, use ARIBEGCXXXX or its short form ARIBEGCX. If you have been given a branch code, stick to it instead of replacing it for the head office code.

The safest approach is to copy the code directly from the recipient’s bank details. Codes for branches are more prone to be retired than the head office code.

Transfer times and tracking a payment to Arab International Bank

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country add extra days. Occasionally a bank asks what the payment is for, which can hold things up.

Many banks use SWIFT gpi for faster and traceable payments. Each payment carries a unique transaction reference, the UETR. Save your transfer receipt; it contains the details a bank needs to start a trace.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt with the date and reference – it helps your own bank look for the money.