Emirates Islamic Bank SWIFT/BIC code

MEBLAEAD – the SWIFT/BIC code of Emirates Islamic Bank

MEBLAEAD and MEBLAEADXXX are two spellings of the same SWIFT/BIC code, and both lead to Emirates Islamic Bank in Dubai. The code does one job: it ensures that money from abroad reaches the right bank. In practice you usually see the code on invoices from abroad, in payment forms and in the bank details that Emirates Islamic Bank provides.

This page is meant to help people who sends money to an account at Emirates Islamic Bank and wants to get the details right. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Receiving money from abroad at Emirates Islamic Bank

Someone abroad who wants to pay you will ask for several details from you. Share your name as the bank knows it, your account number or IBAN, SWIFT code MEBLAEADXXX and your address.

You can include Emirates Islamic Bank and its city as well, because some payment forms have separate fields for them. Check each detail before you send them.

The amount you receive can be lower than what was sent. Charges on incoming payments vary per bank; check the price list of Emirates Islamic Bank. Make clear with the sender who covers the fees before the money is sent.

Is MEBLAEAD still correct? How to check

Ask the recipient to copy the bank details directly from their online banking. If the code you have differs from MEBLAEAD or MEBLAEADXXX, stop and ask: check with the recipient or with Emirates Islamic Bank directly.

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

A validity check in your banking app merely confirms that the code is valid, not that it is the right account. Where available, a payee name check before sending adds an extra layer of safety. For a first payment, some people send a small amount first and wait for confirmation.

Paying into Emirates Islamic Bank in AED

United Arab Emirates pays in the United Arab Emirates Dirham, code AED. A payment in a foreign currency will be converted into AED on its way to Emirates Islamic Bank – and the bank that does it picks the rate. You rarely see a separate line for that conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Sending the amount directly in AED often avoids an extra conversion.

Exchange rates move all the time – some services let you fix a rate in advance. On larger amounts, even seemingly small difference in the rate adds up quickly.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from public sources and check our list from time to time. Even so, banks merge or change codes, so information can be out of date. The figures on this page are based on our own data and not on information from Emirates Islamic Bank itself.

For any payment of any size, confirm the BIC with Emirates Islamic Bank or with the recipient. GoldexPay is not affiliated with Emirates Islamic Bank; we are a comparison site for money transfers. Found outdated information? Let us know through the contact page so we can correct it.

Choosing between the 11 SWIFT codes of Emirates Islamic Bank

Our database contains 11 SWIFT/BIC codes for Emirates Islamic Bank. Next to the head office code MEBLAEADXXX, there are codes for regional offices and specialised units.

If nobody asks you for a branch code, use MEBLAEADXXX. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

The safest approach is to copy the code directly from the account holder’s bank details. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

International transfers from Emirates Islamic Bank: the real cost

What you pay for a payment abroad is made up of more than one component – not just the fee on your screen. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate.

Many banks do not list their exchange rate markup as a cost – you only notice it if you compare. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently use a rate near the mid-market rate with clearer fees. GoldexPay compares these services side by side, showing the amount the recipient gets before you commit. You can still use your account at Emirates Islamic Bank.

Changed bank details? Be careful

Criminals regularly send payment requests with changed bank details, sometimes in an email that looks completely genuine. The fact that MEBLAEAD exists is no guarantee that the account is genuine.

Before paying, verify a change of bank details by phone on a number you know, not one from the message. Urgency and requests to keep it quiet tend to be red flags – a real supplier can wait a day. Acted too fast? Call the bank you paid from straight away and have them try to recall the payment; also report it to the police.

People receiving money can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference to another account. Wait until the money has really arrived and check with Emirates Islamic Bank if anything seems off.

8 or 11 characters: MEBLAEAD versus MEBLAEADXXX

A SWIFT code is built from a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight indicate the location. That gives you MEBLAEAD for Emirates Islamic Bank.

XXX at the end of MEBLAEADXXX does not stand for a placeholder or a mistake: it stands for the main office of Emirates Islamic Bank. Some forms insist on 11 characters, in which case you can add XXX behind MEBLAEAD.

Do not add spaces, dots when you type MEBLAEAD. A wrong character can send a payment to another bank, so check it twice.

Transfer times and tracking a payment to Emirates Islamic Bank

How fast a payment reaches Emirates Islamic Bank depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Payments made late in the day or just before weekends and holidays often start the next business day. Occasionally a bank wants to know about the purpose of a payment before releasing it.

If a transfer is late, contact the sending bank about the tracking status or the UETR; with that reference banks can see where the payment is. Save your transfer receipt – you will need it for any trace request.

The bank that sent the money can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your account to see a slightly lower amount because fees can reduce the amount.