Janata Bank SWIFT/BIC code

SWIFT/BIC code of Janata Bank

Whether a recipient gives you JANBAEAA or JANBAEAAXXX, it is the identical identifier for Janata Bank in United Arab Emirates. Every bank on the SWIFT network uses these codes to direct payments between countries to the right institution. You will need it mostly when dealing with payments that cross a border or a currency.

Further down you will find the practical questions: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Verifying the SWIFT code of Janata Bank

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with JANBAEAA here.

An incorrect BIC may lead to a delay, a returned payment or extra fees for investigation. An error in the account number can be more serious, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the structure of an IBAN. If your bank offers it, a payee name check before sending gives extra certainty. A small test payment can be worth it for large sums.

Changed bank details? Be careful

Scammers often send payment requests with changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Do not rely on contact details in the same message that announces the new account. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. Acted too fast? Call the bank you paid from without delay and have them try to recall the payment.

Fraud can also target the receiver. Someone claims to have sent too much and wants you to refund the extra to a new account. Wait until the money has really arrived – ask Janata Bank if something looks wrong.

A note on our data

Our SWIFT/BIC directory is compiled from public sources. It is possible that a code on this page is out of date after a merger or reorganisation. The figures on this page are based on what is in our directory.

Use this page as a reference, rather than as the final word. GoldexPay is a comparison service and not part of Janata Bank. Should you notice a mistake, we appreciate a short note via the contact page.

United Arab Emirates Dirham (AED) and conversion costs

The currency of United Arab Emirates is the United Arab Emirates Dirham (AED). Money sent in a different currency will be exchanged into AED before it reaches the account – and the bank that does it picks the rate. Every conversion eats into something – usually through the rate rather than a fee.

Which bank converts the money makes a difference, because each party uses its own rate. Often it is cheaper if you send AED directly via a transfer service that converts near the mid-market rate.

Rates for AED change during the day. With bigger transfers, even small gap in the rate can be worth more than the fee.

Why Janata Bank has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, characters five and six show the country and characters seven and eight mark the location. The result is JANBAEAA, the short form of the code.

The long version has a three-character extension for a branch or department. If the last three are XXX, the code points to the head office, which is why JANBAEAAXXX and JANBAEAA lead to the same place.

Enter the code in one piece, in capitals and without separators, exactly as shown here. Watch for the letter O and the digit 0 or the letter I and the digit 1, a common source of typos.

International transfers from Janata Bank: the real cost

What you pay for a payment abroad is made up of several parts, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted, the bank usually uses a rate that is less favourable than the actual market rate.

Banks rarely list the margin on the rate as a cost, but you pay it all the same. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the exchange rate. Next time you send money, it is worth to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Janata Bank.

Receiving money from abroad at Janata Bank

Someone abroad who wants to pay you needs a few details about your account. The basics are: the account holder’s name, IBAN or account number, JANBAEAAXXX or JANBAEAA and often your home address.

Their bank may also ask for the bank address of Janata Bank. A mistake in your account number is more trouble than you might think; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers differ from bank to bank. Agree with the sender who covers the fees, especially for larger amounts.

How long does an international transfer to Janata Bank take?

How fast a payment arrives at Janata Bank is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country can add a day or more to the journey. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

If a transfer seems delayed, contact your bank about the status and the transaction reference. Save your transfer receipt.

A missing payment is traced from the sending side on the basis of the transfer details. Ask the sender for the payment receipt with the date and reference.

Head office or branch code at Janata Bank?

We have 5 SWIFT/BIC codes for Janata Bank, spread over 4 locations. Next to the head office code JANBAEAAXXX, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, go with JANBAEAAXXX or its short form JANBAEAA. When you receive a branch code, stick to it instead of swapping it for the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to be retired than JANBAEAAXXX.