Abu Dhabi Commercial Bank SWIFT/BIC code

SWIFT/BIC code of Abu Dhabi Commercial Bank

The 8-character code ADCBAEAA and the 11-character code ADCBAEAAXXX identify one and the same institution: Abu Dhabi Commercial Bank, with its head office in Abu Dhabi. A SWIFT code tells the sending bank which institution should receive the money. You will need it mostly for payments that cross a border or a currency.

Further down you will find the practical questions: receiving money at Abu Dhabi Commercial Bank, paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Receiving money from abroad at Abu Dhabi Commercial Bank

When you expect money from abroad, give the sender a complete set of details. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC ADCBAEAAXXX and usually your postal address.

The sender’s bank might request the bank address of Abu Dhabi Commercial Bank; the head office in Abu Dhabi is usually fine. Double-check the details before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Charges on incoming payments differ per bank; check the price list of Abu Dhabi Commercial Bank. For business payments, you can state how the fees are split.

Why Abu Dhabi Commercial Bank has an 8- and an 11-character code

A SWIFT code is made up of a few fixed parts: characters one to four stand for the bank, characters five and six give the country and the two after that indicate the location. The result is ADCBAEAA.

XXX at the end of ADCBAEAAXXX is not a missing value or an error: it indicates the head office of Abu Dhabi Commercial Bank. Some forms ask for 11 characters, and then you simply enter XXX behind ADCBAEAA.

In practice the code is typed in capitals and without spaces. Watch for the letter O and the digit 0 and the letter I and the digit 1.

When will the money arrive at Abu Dhabi Commercial Bank?

How quickly a transfer reaches Abu Dhabi Commercial Bank depends on a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Payments made late in the day or just before a weekend or public holiday often go out a business day later. Sometimes a bank wants to know what the payment is for.

If the money seems delayed, contact the sending bank for the tracking status or the UETR so they can trace it along the chain. Money transfer services often provide tracking in their app showing where the payment is.

If a payment has not arrived after a few business days, the person who paid should contact the bank that sent it, not the receiving bank. Ask the sender for the payment receipt – it helps your own bank look for the money.

Abu Dhabi Commercial Bank: head office code versus branch codes

We have 6 SWIFT/BIC codes for Abu Dhabi Commercial Bank in 2 cities. Next to the head office code ADCBAEAAXXX, you will find codes for individual branches and departments.

In most cases you do not need to look up a branch: transfers sent to ADCBAEAAXXX are routed within Abu Dhabi Commercial Bank correctly. When you receive a branch code, stick to it rather than replacing it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes can change over time, so do not rely on old paperwork.

Where our SWIFT data comes from

The directory on GoldexPay is compiled from publicly available sources. It is possible that information on this page is no longer current, for example after a merger. The figures on this page are based on our own data, not official figures from Abu Dhabi Commercial Bank.

Treat this page as a starting point, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Abu Dhabi Commercial Bank; we are a comparison site for money transfers. Should you notice a mistake, we appreciate a short note via the contact page.

Is ADCBAEAA still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare it with ADCBAEAA on this page and ask if anything does not match.

Errors in the SWIFT code tend to be costly more than disastrous. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong BIC.

An automatic check by your bank merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a name check before sending adds extra certainty. A small test payment is a sensible step for large sums despite the extra fee.

Protect yourself against fake payment requests

Stay alert when someone unexpectedly wants you to pay into a different account. That ADCBAEAA is a real code does not mean that a request mentioning it is legitimate.

Do not rely on a phone number in the same message that announces the change. Watch out for urgent requests, odd spelling or a sender address that is slightly off. When money has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. A payment confirmation from the sender proves nothing – check your own account.

United Arab Emirates Dirham (AED) and conversion costs

Accounts at Abu Dhabi Commercial Bank are typically held in AED, the national currency of United Arab Emirates. If you send money in a different currency it has to be converted somewhere along the way: by your bank, an intermediary or Abu Dhabi Commercial Bank itself. There is rarely a separate charge for the conversion.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Often it is cheaper to send AED straight away through a transfer service with a good rate rather than letting the receiving bank convert.

The rate for AED changes constantly, so the amount you see is usually only valid for a short time. If you pay regularly, small differences in the rate add up over time.

Paying someone abroad from your Abu Dhabi Commercial Bank account

The price of a payment abroad has several parts. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank usually uses a rate below the real market rate.

That exchange rate margin is often the largest cost even though it is not listed as a fee. An easy check: set the bank’s rate next to the mid-market rate and look at the difference.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. You can always use your account at Abu Dhabi Commercial Bank to fund the transfer.