Commercial Bank of Dubai SWIFT/BIC code

Commercial Bank of Dubai SWIFT code: CBDUAEAD

CBDUAEAD and CBDUAEADXXX are two spellings of the same bank identifier, and both point to Commercial Bank of Dubai in Dubai. A BIC does one job: it makes sure that an international payment reaches the right bank. You will need it mainly when dealing with payments that cross a border and payments in foreign currencies.

We wrote this page to help people who sends money to an account at Commercial Bank of Dubai 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.

Paying into Commercial Bank of Dubai in AED

Accounts at Commercial Bank of Dubai are typically held in AED, the national currency. If you send money in a different currency has to be converted at some point: by your bank, an intermediary or Commercial Bank of Dubai itself. You rarely see a separate line for that conversion.

Where the conversion happens has an effect on the final amount. Transferring the amount already in AED often avoids a second conversion at the receiving end.

Exchange rates move all the time – some services let you fix a rate in advance. With bigger transfers, even small gap in the rate adds up quickly.

8 or 11 characters: CBDUAEAD versus CBDUAEADXXX

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. Combined, these eight characters form CBDUAEAD – the version you usually see online.

The 11-character version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, so CBDUAEADXXX and CBDUAEAD are interchangeable.

Enter the code in one piece, in capitals and without separators. Watch for O versus 0 or I versus 1.

Tracking a transfer to or from Commercial Bank of Dubai

There is no single delivery time for international payments: some arrive the same day or the next while others need several business days. Weekends and public holidays in either country add extra days to the journey. Occasionally a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, ask your bank for the status. Money transfer services usually show a status online showing how far the money has got.

A missing payment is traced by the sending bank. Request from the sender the payment receipt – it helps your own bank look for the money.

Receiving money from abroad at Commercial Bank of Dubai

When you expect a payment from another country, give the sender everything they need in one go. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code CBDUAEADXXX (or CBDUAEAD) and, often, your address.

The sender’s bank may request the bank address of Commercial Bank of Dubai, in which case the Dubai head office is the usual answer. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

What lands in your account is often less than the amount sent. Charges on incoming payments vary per bank – the price list of Commercial Bank of Dubai tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

What a transfer from Commercial Bank of Dubai abroad really costs

When you transfer money abroad through Commercial Bank of Dubai, the fee you see is rarely all of the cost. Besides a fixed fee, banks in between may deduct a fee, and when the money changes currency, the bank usually applies a rate below the actual market rate.

The markup on the rate is often the largest cost. A simple test: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services often offer a rate near the mid-market rate with clearer fees. GoldexPay compares the amount that arrives with different providers. Choosing a specialist does not require leaving Commercial Bank of Dubai – you pay the provider from your own account.

Changed bank details? Be careful

A common scam works like this: you receive a message claiming that a contact has new bank details and asking you to pay there from now on. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Do not trust contact details from the same email that contains the new account. Watch out for time pressure, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and have them try to recall the payment.

Scams also target the receiver. Someone claims to have sent more than agreed and asks you to return the extra. Wait until the money is actually in your account – ask Commercial Bank of Dubai if something looks wrong.

Head office or branch code at Commercial Bank of Dubai?

With 14 codes in 6 locations, Commercial Bank of Dubai is one of the banks that register separate codes for branches and departments. The main code remains CBDUAEADXXX.

For most incoming transfers, the head office code CBDUAEADXXX is the right choice. When you receive a specific code, stick to it instead of swapping it for the head office code.

Not sure which code to use? Ask the recipient, or look at a recent statement from Commercial Bank of Dubai. Branch codes are more prone to change than CBDUAEADXXX.

How to check CBDUAEAD before you pay

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given does not match CBDUAEAD or CBDUAEADXXX, stop and ask – contact the recipient or Commercial Bank of Dubai.

Mistakes in the BIC are costly more than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: a mistake there can be harder to undo than a wrong code.

An automatic check in your banking app only confirms that the IBAN exists, not that it is the right account. More and more banks check the name with the account. Sending a small amount first can be worth it for a large first payment despite the extra fee.

A note on our data

We gather SWIFT/BIC codes from publicly available data and check our list from time to time. Still, banks merge or change codes, so information can be out of date. Figures such as the number of codes come from our own dataset and are not confirmed by Commercial Bank of Dubai.

Treat our directory on this page as a helpful check and rely on the recipient or Commercial Bank of Dubai for the final confirmation. We are a comparison site for money transfers and not affiliated with Commercial Bank of Dubai. Spotted outdated information? Let us know through the contact page so we can correct it.