National Bank of Fujairah SWIFT/BIC code

SWIFT/BIC code of National Bank of Fujairah

The 8-character code NBFUAEAF and the full code NBFUAEAFXXX identify one and the same institution: National Bank of Fujairah. A SWIFT code shows every bank in the chain exactly which bank should receive the money. In daily life you usually see the code on invoices from abroad, in your banking app and on the account details that National Bank of Fujairah provides.

This page is meant to help anyone who pays into an account at National Bank of Fujairah. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number is for.

Where our SWIFT data comes from

The details here come from public sources. It is possible that a code on this page is out of date, for example after a merger. The figures on this page are based on our own data and not on information from National Bank of Fujairah itself.

Use our data as a reference, not as the final word. GoldexPay has no connection to National Bank of Fujairah. Should you notice a mistake, we welcome a message via the contact page.

Choosing between the 6 SWIFT codes of National Bank of Fujairah

National Bank of Fujairah uses 6 separate SWIFT/BIC codes across 4 locations. One of them is the head office code, NBFUAEAFXXX; the others belong to branches, and sometimes specific services.

Usually there is no need to pick a branch: transfers addressed to NBFUAEAFXXX reach National Bank of Fujairah correctly. Only use a branch code when your contact gives you that exact code.

The safest route is to take the code straight from the account holder’s invoice. Branch codes are more likely to change than NBFUAEAFXXX when a bank merges or closes offices.

Transfer times and tracking a payment to National Bank of Fujairah

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or just before weekends and holidays often go out a business day later. Extra checks by one of the banks can also cause some delay.

When a payment takes longer than expected, ask your bank for the status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the person who paid should start with their own bank. Ask the sender for a copy of the payment confirmation.

Paying into National Bank of Fujairah in AED

United Arab Emirates pays in the United Arab Emirates Dirham, code AED. When you pay another currency, the amount has to be converted somewhere along the way – by your bank, by National Bank of Fujairah or by a bank in between. You rarely see a separate charge for the conversion; it is built into the rate.

Who does the conversion has an effect on the final amount, since every bank sets its own rate. In many cases it is cheaper to send AED straight away through a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Exchange rates move all the time – some services let you fix a rate in advance. For recurring payments, a slightly better rate make a real difference over a year.

Verifying the SWIFT code of National Bank of Fujairah

Have the recipient copy their bank details directly from their online banking. Compare it with NBFUAEAF here.

With a wrong code, the payment may be delayed, bounce back or cost extra, and tracing it can take weeks. Do not forget the account number: a mistake there is more difficult to undo than a wrong BIC.

Most online banking apps validate the structure of IBANs and sometimes look up the BIC automatically. More and more banks compare the name against the account – do not ignore a mismatch warning. For a first payment, many people send a small test amount and wait for confirmation.

What to give a sender who pays you at National Bank of Fujairah

If you are waiting for a payment from another country, send the payer everything they need in one go. That means: your full name as registered with National Bank of Fujairah, your IBAN or account number, the BIC NBFUAEAFXXX and, often, your postal address.

Some banks also ask for the address of National Bank of Fujairah. Check every detail before you send them.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin applies. On invoices, it is common to state how the fees are split to avoid a shortfall.

NBFUAEAF or NBFUAEAFXXX – which one to use?

A BIC is made up of a few fixed parts: the first four letters stand for the bank, the next two show the country and the two after that mark the location. In this case, the 8-character core is NBFUAEAF.

Most banks and apps accept both lengths. If yours asks for eleven characters, enter NBFUAEAFXXX.

Enter the code in one piece, in capitals and without separators. Copying the code is safer than typing it by hand: a typo can point to another bank.

International transfers from National Bank of Fujairah: the real cost

What you pay for a payment abroad is made up of more than one component. You pay the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

Banks rarely show their exchange rate markup separately. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares the amount that arrives with different services, so you can pick the cheapest route. You can always keep your account at National Bank of Fujairah to fund the transfer, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

Stay wary if a contact suddenly asks you to send money to a different account. That NBFUAEAF is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Never trust a phone number from the same email that contains the change. Pressure and secrecy tend to be warning signs. When money has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams also work the other way: someone claims to have sent more than agreed and wants you to refund the difference via a different route. Wait until the money has really arrived.