Arab Bank PLC SWIFT/BIC code

Arab Bank PLC SWIFT code: ARABJOAX

ARABJOAX and ARABJOAXXXX are two ways of writing the same bank identifier, and both lead to Arab Bank PLC in Amman. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct institution. In practice you mostly see it on invoices from abroad, in payment forms and in the bank details of Arab Bank PLC customers.

Further down we go through the practical side: receiving money at Arab Bank PLC, paying someone in another country and how to verify the code before you hit send. Keep in mind that the BIC just identifies the bank, not the person: the account number or IBAN takes care of that.

Head office or branch code at Arab Bank PLC?

Our database contains 44 SWIFT/BIC codes for Arab Bank PLC, spread over 14 cities. Besides the head office code ARABJOAXXXX, there are codes for regional offices and specialised units.

In most cases you do not need to pick a branch: payments addressed to ARABJOAXXXX reach Arab Bank PLC without problems. Only use a branch code when the account holder explicitly asks for it.

The best way is to take the code directly from the recipient’s invoice. Codes can change over time, so a code from an old document is not always valid.

Watch out for payment fraud

Criminals often send payment requests with changed bank details, sometimes in an email that looks completely genuine. That ARABJOAX is a real code does not mean that the account is legitimate.

Always confirm changed bank details by phone on a number you know, not one from the message. Pressure or secrecy are red flags – a real supplier can wait a day. When money has already gone to a fraudster, call your bank right away.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference. Do not act before the money has really arrived and check with Arab Bank PLC if anything seems off.

Is ARABJOAX still correct? How to check

The most reliable source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check that code with ARABJOAX on this page and ask if anything does not match.

If the code is wrong, the transfer may get stuck, be returned or cost extra, and tracing it can take weeks. Remember the account number: an error there can be more difficult to correct than a wrong code.

Most online banking apps check the format of IBANs – that confirms the format, not the owner. Where available, a payee name check before sending gives an extra layer of safety. A small test payment can be a sensible step for a large first payment.

What a transfer from Arab Bank PLC abroad really costs

An international bank payment can cost more than the listed fee. On top of a fixed fee, banks in between may deduct a fee, and when the money changes currency the bank usually applies a rate that is less favourable than the real market rate.

The markup on the rate is often the largest cost. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay lists transfer providers next to each other, showing what actually arrives. You can still use your account at Arab Bank PLC, while a cheaper service handles the conversion.

Where our SWIFT data comes from

The details on this page are taken from publicly available data which we refresh regularly. Still, banks merge or change codes. The figures on this page are based on what is in our directory and not on information from Arab Bank PLC itself.

Use our data as a reference, rather than as the last word – the bank details from the recipient are leading. GoldexPay has no connection to Arab Bank PLC, we only compare transfer services. Spotted outdated information? Let us know through the contact page so we can correct it.

Incoming international payments to Arab Bank PLC

To receive an international payment at Arab Bank PLC, the person paying you needs more than the SWIFT code. What they need is: your name, IBAN or account number, ARABJOAXXXX and often your postal address.

It helps to add the bank name and Amman as well. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who covers the fees.

Transfer times and tracking a payment to Arab Bank PLC

There is no fixed answer: some land within a day, others take several business days. Bank holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank wants to know what the payment is for.

If the money seems delayed, ask the sending bank about the status or the UETR. Money transfer services often provide a status online so you can see where the payment has got.

A delayed transfer has to be traced by the sending bank. Ask the sender for a copy of the payment confirmation.

What the XXX in ARABJOAXXXX means

A SWIFT code is made up of fixed blocks: characters one to four stand for the bank, the next two show the country and the two after that mark the location. That gives you ARABJOAX for Arab Bank PLC.

The full version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office, so ARABJOAXXXX and ARABJOAX are interchangeable.

Type the code in one piece, in capitals and without separators. Pasting the code is safer than retyping it.