Tadhamon International Islamic Bank SWIFT/BIC code

TIBKYESA – the SWIFT/BIC code of Tadhamon International Islamic Bank

TIBKYESA and TIBKYESAXXX are two spellings of the same SWIFT/BIC code, and both lead to Tadhamon International Islamic Bank in Sanaa. A SWIFT code shows every bank in the chain which institution should receive the money, a bit like a postal address for banks. In daily life you mostly come across it on international invoices, in your banking app and on the account details of Tadhamon International Islamic Bank customers.

Below you will find the practical side: receiving money at Tadhamon International Islamic Bank, paying someone in another country and how to verify a SWIFT code before you hit send. The SWIFT code alone does not identify an individual account holder; for that you need the IBAN or account number is for.

What the XXX in TIBKYESAXXX means

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. For Tadhamon International Islamic Bank, that core is TIBKYESA.

Many banks and apps accept both lengths. If a form requires eleven characters, use TIBKYESAXXX; if it wants eight, use TIBKYESA.

Type the code as one block, in upper case and without separators, exactly as shown here. A single character can send a payment to another bank, so check it twice.

How to check TIBKYESA before you pay

Have the recipient send you their bank details directly from their banking app. Compare it with TIBKYESA here and ask if anything does not match.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges along the way. Do not forget the IBAN: a mistake there can be more difficult to correct than a wrong code.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks compare the payee name against the account; take any warning seriously. Sending a small amount first can be worth it for a large first payment despite the extra fee.

How up to date is this code?

The details here are taken from public sources that we update regularly. It is possible that a code on this page is out of date. Counts and locations are from our directory and are not confirmed by Tadhamon International Islamic Bank.

See the information here as a handy check, and let the details from the recipient or Tadhamon International Islamic Bank have the final say. GoldexPay is independent of Tadhamon International Islamic Bank. Spotted outdated information? Tell us via our contact form and we will look into it.

What to give a sender who pays you at Tadhamon International Islamic Bank

If you expect money from abroad, give the sender all details at once. What they need is: your name, IBAN or account number, TIBKYESAXXX and often your home address.

The sender’s bank may also ask for the address of your bank; the head office in Sanaa is usually fine. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin comes on top. Agree with the sender who covers the fees, especially for larger amounts.

Watch out for payment fraud

Stay alert if a contact unexpectedly wants you to pay into another account abroad. A real SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never rely on a phone number in the same message that contains the change. Watch out for time pressure, odd spelling or a sender address that is slightly off. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to refund the difference abroad. Do not act before the money has really arrived.

Sending money abroad from Tadhamon International Islamic Bank

A bank transfer abroad can cost more than the fee suggests. There is the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the exchange rate markup when the money is converted.

The real cost is often in the rate, not in the fee: many banks convert at a rate with a margin built in. Check the rate you are offered against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Money transfer services often offer a rate near the mid-market rate. On GoldexPay you can compare the amount that arrives with different services, so you can pick the cheapest route. Choosing a specialist does not require leaving Tadhamon International Islamic Bank – you pay the provider from your own account.

Choosing between the 6 SWIFT codes of Tadhamon International Islamic Bank

Tadhamon International Islamic Bank has 6 different SWIFT/BIC codes across 5 cities. Only one is the head office code; the rest belong to branches.

In most cases you do not need to pick a branch: transfers addressed to TIBKYESAXXX are routed within Tadhamon International Islamic Bank correctly. Branch codes are only needed if the account holder explicitly asks for it.

When in doubt, ask the person you are paying which code their bank gave them. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

How long does an international transfer to Tadhamon International Islamic Bank take?

How fast a transfer arrives at Tadhamon International Islamic Bank is determined by several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in the sending or receiving country add extra days, since banks do not process on those days. Occasionally a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, ask your bank about the status or the UETR. Specialist transfer services often show a status online so you can see how far the money is.

A delayed transfer is investigated from the sending side, using the payment confirmation. Ask the sender for a copy of the payment confirmation including the reference.