National Bank of Abu Dhabi SWIFT/BIC code

SWIFT/BIC code of National Bank of Abu Dhabi

NBADMYKL and NBADMYKLXXX are the short and the long form of the same bank identifier, and both point to National Bank of Abu Dhabi in Kuala Lumpur. A SWIFT code tells the banks handling a payment which institution is meant to get the money, much like a postcode for banks. In daily life you mostly see the code on international invoices, in your banking app and in the bank details that National Bank of Abu Dhabi provides.

On this page you can read what the code means, when you need it and what else a transfer to or from National Bank of Abu Dhabi requires. Remember that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

How to check NBADMYKL before you pay

The safest source for a SWIFT code is the bank details provided by the recipient. When the code you were given differs from NBADMYKL or NBADMYKLXXX, do not guess: check with the recipient or with National Bank of Abu Dhabi directly.

With a wrong code, the payment might get stuck, be returned or end up costing more, and tracing it can take weeks. Remember the IBAN: an error there is harder to correct than a wrong BIC.

Most online banking apps validate the structure of IBANs and some suggest the matching BIC. If your bank offers it, a name check on the recipient gives extra certainty. For a first payment, some people send a small amount first and wait for confirmation.

International transfers from National Bank of Abu Dhabi: the real cost

An international bank payment can cost more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted the bank usually uses a rate that is less favourable than the real market rate.

Banks do not show the margin on the rate separately. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites.

For many routes, a specialist provider turns out to be less expensive than a traditional bank transfer. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at National Bank of Abu Dhabi: you simply pay the service from your account.

How up to date is this code?

We gather bank codes from public sources and check our list from time to time. It can happen that information here is no longer current. The number of codes we show are based on our own data and not on information from National Bank of Abu Dhabi itself.

Treat the information on this page as a handy check, and let the details from the recipient or National Bank of Abu Dhabi have the final say. GoldexPay is not affiliated with National Bank of Abu Dhabi; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page and we will look into it.

Head office or branch code at National Bank of Abu Dhabi?

National Bank of Abu Dhabi uses 2 different SWIFT/BIC codes. Only one is the head office code, NBADMYKLXXX; the rest belong to branches or departments.

Usually there is no need to pick a branch: transfers addressed to NBADMYKLXXX reach National Bank of Abu Dhabi correctly. If you have been given a specific code, use it as it is instead of replacing it for the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes are more prone to change than the head office code.

Getting paid from abroad into a National Bank of Abu Dhabi account

When you are waiting for money from abroad, give the sender everything they need in one go. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code NBADMYKLXXX (or NBADMYKL) and sometimes your postal address.

The sender’s bank might request the address of your bank, in which case the Kuala Lumpur head office is the usual answer. A mistake in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

What lands in your account is often less than what was sent. Correspondent banks can take a fee, and if the money is converted, a markup on the rate applies. On invoices, you can state how the fees are split.

What the XXX in NBADMYKLXXX means

The layout of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. In this case, the 8-character core is NBADMYKL.

XXX at the end of NBADMYKLXXX does not stand for a missing value or a mistake: it indicates the main office of National Bank of Abu Dhabi. Some banking apps ask for 11 characters, and then you can enter XXX behind NBADMYKL.

As a rule the code is typed in capitals, without spaces or dashes. A wrong character can send the money to a different institution, so check it twice.

Watch out for payment fraud

A common scam goes like this: you receive a message claiming that a supplier now has a new bank account. The fact that NBADMYKL exists is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details by phone, using a number you already had. Urgency or requests to keep it quiet are warning signs – a real supplier can wait a day. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment and report the fraud.

Fraud can also target the receiver. Someone sends more than agreed and wants you to refund the difference to a new account. Wait until the money has really arrived – ask National Bank of Abu Dhabi if something looks wrong.

How long does an international transfer to National Bank of Abu Dhabi take?

A SWIFT payment typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or on a weekend or public holiday often start a business day later. Compliance checks by one of the banks may also cause a delay.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR that banks can use to trace it. Save your transfer receipt; it contains the details a bank needs to start a trace.

A missing payment is traced from the sending side, using the payment confirmation. As a recipient, it helps to check your statements to see a slightly lower amount because fees can reduce the amount.