Bank Melli Iran SWIFT/BIC code

SWIFT/BIC code of Bank Melli Iran

Whether a recipient gives you MELIAEAD or MELIAEADXXX, you are looking at the identical address for Bank Melli Iran in United Arab Emirates. A BIC does one job: it ensures that an international payment ends up at the right bank. In practice you usually see the code on international invoices, in payment forms and on the account details that Bank Melli Iran provides.

We wrote this page to help people who pays into an account at Bank Melli Iran and wants to get the details right. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN takes care of that.

Bank Melli Iran: head office code versus branch codes

Bank Melli Iran has 7 separate SWIFT/BIC codes across 6 cities. One of them is the head office code, MELIAEADXXX; the others identify branches or departments, and sometimes specific services.

For the vast majority of incoming transfers, the head office code MELIAEADXXX is what you need. Only use a branch code when the account holder explicitly asks for it, for example on a letter or invoice.

When in doubt, 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.

Sending money abroad from Bank Melli Iran

A bank transfer abroad costs rather more than the fee suggests. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate if the currency changes.

The markup on the rate tends to be the largest item, and it is easy to miss. Check the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services frequently offer a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive across services. Using a transfer service does not require leaving Bank Melli Iran: you simply pay the service from your account.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from publicly available data and update them from time to time. It is possible that a code here is no longer current after a merger or reorganisation. Figures such as the number of codes come from our own dataset and are not confirmed by Bank Melli Iran.

See the information on this page as a handy check. GoldexPay is not affiliated with Bank Melli Iran, we only compare transfer services. Should you notice a mistake, we appreciate a message.

United Arab Emirates Dirham (AED) and conversion costs

United Arab Emirates pays in the United Arab Emirates Dirham, code AED. When you pay another currency gets converted somewhere along the way: by your bank, an intermediary or Bank Melli Iran itself. You rarely see a separate charge for the conversion – the cost sits in the rate.

Who converts the money matters, because each party uses its own rate. Compare how much AED arrives via different services; the difference between options can be larger than you expect.

Rates for AED move all the time – some services let you fix a rate in advance. For regular payments, small differences in the rate make a real difference over time.

Verifying the SWIFT code of Bank Melli Iran

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have differs from MELIAEAD or MELIAEADXXX, do not guess – contact the recipient or Bank Melli Iran.

Errors in the BIC tend to be costly rather than fatal. Do not forget the IBAN: an error there is more difficult to undo than a wrong code.

An automatic check by your bank only confirms that the code exists, not that it is the right account. More and more banks check the name against the account before you confirm; take any warning seriously. When you pay someone new, some people send a small test amount and wait for confirmation.

When will the money arrive at Bank Melli Iran?

An international transfer usually needs one to a few business days. Bank holidays in the sending or receiving country add extra days to the journey. Extra checks by one of the banks can also cause some delay, even when all details are correct.

If the money seems late, ask the sending bank for the status. Specialist transfer services often show a status online showing where the money is.

The bank that sent the money is able to start an official trace or a recall. Request from the sender the payment receipt including the reference.

Receiving money from abroad at Bank Melli Iran

Someone abroad who wants to pay you will ask for several details from you, and missing ones are a common cause of delays. The basics are: your name, IBAN or account number, MELIAEADXXX or MELIAEAD and often your home address.

The sender’s bank might also ask for the bank address of Bank Melli Iran, in which case the Dubai head office is the usual answer. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the incoming amount is smaller than what the sender paid. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Why Bank Melli Iran has an 8- and an 11-character code

A BIC is made up of fixed blocks: characters one to four stand for the bank, the next two give the country and characters seven and eight indicate the location. Combined, these eight characters form MELIAEAD.

XXX at the end of MELIAEADXXX is not a placeholder or an error: it indicates the main office of Bank Melli Iran. Some banking apps ask for 11 characters, and then you can enter XXX behind MELIAEAD.

Do not add spaces or dashes when you enter MELIAEAD or MELIAEADXXX. A single character may route a payment to a different institution.

Watch out for payment fraud

Criminals regularly send payment requests containing changed bank details. That MELIAEAD is a real code does not mean that a request mentioning it is legitimate.

Always confirm changed bank details by phone, using a number you already had. Urgency or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If a payment has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Fraud also work the other way: someone claims to have sent more than agreed and asks you to refund the difference to a new account. Do not act before the money is actually in your account – ask Bank Melli Iran if something looks wrong.