Union National Bank SWIFT/BIC code

SWIFT/BIC code of Union National Bank

The short code UNBEAEAA and the full code UNBEAEAAXXX refer to the same bank: Union National Bank. A BIC has a single purpose: it makes sure that money from abroad ends up at the right bank. In daily life you mostly come across it on international invoices, in your banking app and on the account details of Union National Bank customers.

On this page you will find what the code means, when it matters and which other details you need for a transfer to or from Union National Bank. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN .

Union National Bank: head office code versus branch codes

Having 3 codes in 1 locations, Union National Bank is one of the banks that use individual codes for parts of the organisation and departments. The head office code remains UNBEAEAAXXX.

In most cases you do not need to look up a branch: transfers addressed to UNBEAEAAXXX reach Union National Bank without problems. Only use a branch code when the account holder explicitly asks for it, for example on a letter or invoice.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes can change over time, so a code from an old document is not always valid.

Transfer times and tracking a payment to Union National Bank

How quickly a transfer arrives at Union National Bank is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Payments made late in the day or just before weekends and holidays usually go out a business day later. Occasionally a bank wants to know about the purpose of a payment.

A growing number of banks use SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR. Money transfer services often provide a status online showing where the payment is.

If the money does not arrive within the expected time, the person who paid needs to start with the bank that sent it rather than Union National Bank. On the receiving end, you can check your account to see a slightly lower amount.

UNBEAEAA or UNBEAEAAXXX – which one to use?

Each SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and a two-character location code. Together, these eight characters form UNBEAEAA.

XXX at the end of UNBEAEAAXXX does not stand for a missing value or an error: it indicates the head office of Union National Bank. Some forms insist on 11 characters, and then you can add XXX after UNBEAEAA.

Leave out spaces, dots when you enter UNBEAEAA; the code is always written in one block. Watch for the letter O and the digit 0 and the letter I and the digit 1.

What to give a sender who pays you at Union National Bank

A sender in another country will ask for several details about your account, and missing ones are a common cause of delays. The basics are: your name, IBAN or account number, UNBEAEAAXXX and, for some countries, your home address.

Their bank might also ask for the address of your bank; the head office in Abu Dhabi is usually fine. A mistake in the IBAN can be harder to fix than you might think; copy them from your banking app rather than typing.

An incoming payment will not always land for the full amount. Fees for incoming transfers differ from bank to bank; check the price list of Union National Bank. Make clear with the sender who pays which costs before the money is sent.

United Arab Emirates Dirham (AED) and conversion costs

Most accounts at Union National Bank are usually held in AED, the national currency. If you send money in a different currency, the amount has to be converted somewhere along the way – by your bank, by Union National Bank or by a bank in between. You rarely see a separate charge for the conversion – the cost sits in the rate.

Where the conversion happens has an effect on the final amount. Compare how much AED arrives via several providers; the difference between options can be larger than you expect.

Exchange rates move during the day, and some providers let you lock in a rate. On larger amounts, a small difference in the rate can be worth more than the fee.

About this information

We gather bank codes using public sources and check them from time to time. It can happen that a code on this page is out of date. Figures such as the number of codes come from our own dataset and may differ from what Union National Bank publishes.

Treat our directory on this page as a handy check. GoldexPay is an independent comparison site and not part of Union National Bank. Should you notice something that is out of date, we welcome a message via the contact page.

International transfers from Union National Bank: the real cost

When you transfer money to another country via Union National Bank, the visible fee is only part of the cost. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts at a rate that includes a margin. Compare their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Money transfer services frequently offer rates closer to the mid-market rate and lower fees. Next time you send money, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. You can still use your account at Union National Bank to fund the transfer.

Scams that use SWIFT codes

Scammers often use fake invoices with changed bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Before paying, confirm a change of bank details through a phone call. Pressure and requests to keep it quiet are warning signs. Already paid? Call the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

Fraud also target the receiver: someone sends more than agreed and asks you to refund the difference via a different route. A screenshot of a transfer is no proof.

How to check UNBEAEAA before you pay

The best place to find the right code is a document from the bank itself like a bank statement or the account page in online banking. Check it with UNBEAEAA on this page; if they differ, ask before you pay.

If the code is wrong, the payment might be delayed, be returned or end up costing more – sometimes after weeks of searching. Do not forget the IBAN: an error there is more difficult to undo than a wrong code.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks compare the name against the account before you confirm; take any warning seriously. When you pay someone new, some people send a small amount first.