Commercial Bank International SWIFT/BIC code

Commercial Bank International SWIFT code: CLBIAEAD

Whether a recipient gives you CLBIAEAD or CLBIAEADXXX, it is the same identifier for Commercial Bank International in United Arab Emirates. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money. It comes up mainly when dealing with transfers between countries and payments in foreign currencies.

On this page we explain what the code means, when it matters and which other details you need for a transfer to or from Commercial Bank International. Keep in mind that the SWIFT code just identifies the bank, not the account: the account number or IBAN takes care of that.

Is CLBIAEAD still correct? How to check

Have the recipient copy the bank details directly from their online banking. If the code you have differs from CLBIAEAD or CLBIAEADXXX, do not guess: check with the recipient or with Commercial Bank International directly.

Mistakes in the BIC tend to be costly more than disastrous. An error in the account number can be more serious, because the money may be credited to someone else.

Many banking apps check the format of IBANs – that confirms the format, not the owner. If your bank offers it, a name check before sending adds extra certainty. A small test payment can be worth it for large sums.

How up to date is this code?

The codes on this page are taken from public sources which we refresh regularly. It is possible that a code here is out of date, for example after a merger. Figures such as the number of codes are from our directory.

Before a payment that matters, check the code with the recipient’s bank or the recipient. We are an independent comparison site and not affiliated with Commercial Bank International. Found an error? Let us know through the contact page so we can correct it.

Incoming international payments to Commercial Bank International

A sender in another country needs several details about your account – incomplete details often cause delays. That means: your name as registered with Commercial Bank International, your IBAN or account number, the SWIFT/BIC code CLBIAEADXXX (or CLBIAEAD) and usually your postal address.

Certain sending banks also ask for the name and address of Commercial Bank International in Dubai. A typo in your account number can be harder to fix than you might think.

The amount you receive can be less than the amount sent. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin comes on top. For business payments, it is common to state who bears the costs, so that nobody is left short.

Choosing between the 9 SWIFT codes of Commercial Bank International

Having 9 codes, Commercial Bank International is one of the banks that use separate codes for branches and departments. The head office code remains CLBIAEADXXX.

For most incoming transfers, the head office code CLBIAEADXXX is what you need. Branch codes are only needed if the account holder explicitly mentions it, which is more common for business accounts and specialised services.

Not sure which code applies? Check with the recipient or the bank itself. Branch codes can change when banks reorganise, so do not rely on old paperwork.

Tracking a transfer to or from Commercial Bank International

There is no fixed delivery time for international payments: some arrive the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country add a day or more. Compliance checks by one of the banks may also add a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique reference, the UETR. Specialist transfer services usually show tracking online so you can see where the money has got.

If a payment has not arrived after a few business days, the person who paid should start with the bank that sent it. On the receiving end, you can look at your account for a partial amount, since fees may have been deducted.

Protect yourself against fake payment requests

Stay wary if someone suddenly asks you to pay into a different account. A real SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Verify new payment details through a separate channel, not by replying to the message. Urgency or secrecy are warning signs; a genuine business can wait for you to check. When money was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud can also work the other way. Someone claims to have sent too much and wants you to return the extra. A payment confirmation from the sender proves nothing – check your own account.

Sending money abroad from Commercial Bank International

The price of a payment abroad is made up of several parts – not just the fee on your screen. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency, the bank usually uses a rate below the actual market rate.

Banks rarely show their exchange rate markup separately, but you pay it all the same. An easy check: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often use rates closer to the mid-market rate and lower fees. On GoldexPay you can compare what recipients receive with different providers, which makes the cheapest option easy to spot. Choosing a specialist does not mean closing your account at Commercial Bank International: you simply pay the service from your account.

8 or 11 characters: CLBIAEAD versus CLBIAEADXXX

The layout of every SWIFT code never changes: four characters for the institution, two for the country and a two-character location code. In this case, that core is CLBIAEAD.

Many banks and apps work with either length. If a form asks for eleven characters, enter CLBIAEADXXX.

Do not add spaces, dots when you enter CLBIAEAD. A single letter can send the money to a different institution, so copy it carefully.

United Arab Emirates Dirham (AED) and conversion costs

United Arab Emirates uses the United Arab Emirates Dirham, code AED. When you pay another currency it has to be converted somewhere along the way. Every conversion costs something – usually through the rate rather than a fee.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. Transferring the amount directly in AED usually avoids a second conversion.

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