Emirates Nbd Bank PJSC SWIFT/BIC code

Emirates Nbd Bank PJSC SWIFT code: EBILAEAD

The 8-character code EBILAEAD and the 11-character code EBILAEADXXX identify one and the same institution: Emirates Nbd Bank PJSC in Dubai, United Arab Emirates. Banks worldwide use BIC codes to direct international transfers to the correct bank. In practice you mostly come across it on invoices from abroad, in payment forms and on the account details that Emirates Nbd Bank PJSC provides.

Further down you will find the practical questions: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you confirm a payment. A SWIFT code identifies a bank or branch, never a single account.

Why Emirates Nbd Bank PJSC has an 8- and an 11-character code

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location, sometimes followed by a branch code. The result is EBILAEAD for Emirates Nbd Bank PJSC.

Most banks and apps accept either length. If a form asks for eleven characters, use EBILAEADXXX, otherwise EBILAEAD is fine.

In practice the code is typed in capitals, without spaces or dashes. A wrong letter can send a payment to a different institution, so check it twice.

United Arab Emirates Dirham (AED) and conversion costs

United Arab Emirates pays in the United Arab Emirates Dirham, with the currency code AED. When you pay money in a different currency has to be converted somewhere along the way – by your bank, by Emirates Nbd Bank PJSC or by a bank in between. Every conversion eats into the amount – usually through the rate rather than a fee.

Where the conversion happens affects the final amount, since every bank sets its own rate. Check what AED the recipient gets via several providers.

The rate for AED fluctuates throughout the day and quotes are often valid only for a short time. For regular payments, small differences in the rate add up over time.

How long does an international transfer to Emirates Nbd Bank PJSC take?

There is no single delivery time: some land the same day or the next while others need several business days. Bank holidays in the sending or receiving country can add extra days. Extra checks on larger or unusual payments can also add some delay, regardless of the details.

Many banks use SWIFT gpi. Every gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt.

Only the sending bank can start an official trace. Request from the sender the payment receipt with the date and reference.

Choosing between the 16 SWIFT codes of Emirates Nbd Bank PJSC

Emirates Nbd Bank PJSC uses 16 different SWIFT/BIC codes across 2 cities. Only one is the head office code; the rest belong to branches, and sometimes specific services.

Usually you do not need to look up a branch: payments sent to EBILAEADXXX reach Emirates Nbd Bank PJSC correctly. A branch code only makes sense when the recipient’s bank explicitly mentions it, which is more common for business accounts and specialised services.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to be retired than the head office code when a bank merges or closes offices.

Receiving money from abroad at Emirates Nbd Bank PJSC

When you are waiting for a payment from another country, send the payer everything they need in one go. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the BIC EBILAEADXXX (or EBILAEAD) and, often, your postal address.

Their bank may request the bank address of Emirates Nbd Bank PJSC, in which case the Dubai head office is the usual answer. Double-check each detail before you send them.

The amount you receive is often less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin applies. For business payments, it is common to state how the fees are split.

International transfers from Emirates Nbd Bank PJSC: the real cost

If you transfer money to another country from Emirates Nbd Bank PJSC, the visible fee is only part of the cost. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup.

That exchange rate margin tends to be the biggest cost, and it is easy to miss. Check the rate you are offered with the mid-market rate; the gap is what conversion costs you.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer. GoldexPay compares these services side by side, showing what actually arrives. You can still use your account at Emirates Nbd Bank PJSC as the source of the money, while a cheaper service handles the conversion.

Before you send: check the Emirates Nbd Bank PJSC code

Ask the recipient to send you their account details directly from their online banking. If the code you have differs from EBILAEAD or EBILAEADXXX, stop and ask: check with the recipient or with Emirates Nbd Bank PJSC directly.

If the code is wrong, the transfer may be delayed, bounce back or cost extra, and tracing it can take weeks. An error in the IBAN or account number can be a bigger problem.

A validity check by your bank only tells you that the IBAN exists – not that it belongs to the person you mean to pay. More and more banks check the payee name against the account before you confirm – do not ignore a mismatch warning. A small test payment is a sensible step for a large first payment.

How up to date is this code?

We collect bank codes from publicly available data and check them from time to time. It can happen that a code here is out of date. The figures we show are based on what is in our directory, not official figures from Emirates Nbd Bank PJSC.

Treat our directory on this page as a handy check and rely on the recipient or Emirates Nbd Bank PJSC for the final confirmation. GoldexPay is a comparison service and not affiliated with Emirates Nbd Bank PJSC. If you notice a mistake, we appreciate a message.

Protect yourself against fake payment requests

Fraudsters often use fake invoices containing new bank details. That EBILAEAD is a real code does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, verify changed bank details by phone on a number you know, not one from the message. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Already paid? Call the bank you paid from without delay and ask them to start a recall; also report it to the police.

Fraud can also target the receiver. Someone sends too much and wants you to return the difference. Do not act before the money has really arrived and check with Emirates Nbd Bank PJSC if anything seems off.