International money transfers succeed or fail on one critical detail: accuracy. In the UAE’s fast-moving financial ecosystem—where Emirates NBD stands as one of the region’s most influential banking institutions—using the correct ENBD SWIFT code is not optional. It is foundational.

Whether you are receiving funds from overseas, sending money abroad, processing trade finance transactions, or onboarding salary payments, understanding the Emirates NBD Bank SWIFT code ensures your money reaches the correct destination without delays, deductions, or rejection.

This guide provides a comprehensive, authoritative, and Dubai-contextual explanation of the ENBD SWIFT code, branch variations, IBAN relationships, and real-world usage—written for residents, businesses, and international remitters who require clarity.

Table of Contents

What Is the Emirates NBD SWIFT Code?

The primary SWIFT/BIC code for Emirates NBD Bank PJSC is:

EBILAEAD

This code identifies Emirates NBD Bank PJSC, headquartered on Baniyas Road, Deira, Dubai, within the global SWIFT (Society for Worldwide Interbank Financial Telecommunication) network.

In most international transactions, EBILAEAD functions as the default ENBD SWIFT code, especially when a branch-specific code is not required.

Full SWIFT Code Format

Banks often display the full 11-character version:

EBILAEADXXX

Here, “XXX” represents the head office or general routing, commonly accepted for inbound and outbound international transfers.

Recommended: NBD Credit Cards

Breaking Down the ENBD SWIFT Code Structure

Understanding the anatomy of a SWIFT code helps prevent errors:

EBIL → Bank code (Emirates NBD Bank)
AE → Country code (United Arab Emirates)
AD → Location code (Dubai)
XXX → Branch identifier (Head Office / default)

This standardized structure allows banks worldwide—from London to Mumbai to New York—to route funds accurately to Emirates NBD.

Does Emirates NBD Use Different SWIFT Codes for Branches?

Yes. While EBILAEAD works for most purposes, specific Emirates NBD branches and departments use extended SWIFT codes for precision routing—particularly for trade finance, corporate banking, or high-value transfers.

Common Emirates NBD Branch SWIFT Codes (UAE)

Dubai Main Branch: EBILAEADDMB
Deira / Head Office (General): EBILAEADXXX
Abu Dhabi Branch: EBILAEADADB
Jebel Ali Branch: EBILAEADJAZ
Al Maktoum Road Branch: EBILAEADAMR
Karama Branch: EBILAEADKAM
Jumeirah Branch: EBILAEADJUM
Satwa Branch: EBILAEADSAT
Trade Finance Services (HQ): EBILAEADTFS
Emirates NBD Securities: EBILAEADSEC

For most personal remittances, your bank or remitter can safely use EBILAEAD or EBILAEADXXX unless Emirates NBD explicitly instructs otherwise.

What Is an IBAN—and How Does It Relate to the ENBD SWIFT Code?

An IBAN (International Bank Account Number) identifies your specific bank account, while a SWIFT code identifies the bank itself.

Key IBAN Facts in the UAE

UAE IBANs always start with AE
Total length: 23 alphanumeric characters
Includes the bank identifier + your account number

Example UAE IBAN
AE12 3456 7890 1234 5678 900

Why Both Are Required

For international transfers:

SWIFT code → identifies Emirates NBD
IBAN → identifies your exact account

Missing either can result in:

Payment delays
Additional bank charges
Transfer rejection

SWIFT Code vs IBAN vs BIC – Clearing the Confusion

In practice:

SWIFT code = BIC (Bank Identifier Code)
SWIFT is the network
BIC is the technical name of the code

They are functionally identical.

Meanwhile:

IBAN identifies an account
Routing numbers (used in the US, India, UK) are local alternatives, not replacements

Examples:

US: Fedwire / ACH routing number
UK: Sort code
India: IFSC

The UAE relies on IBAN + SWIFT, not routing numbers.

When Do You Need the Emirates NBD SWIFT Code?

When Receiving Money

Your ENBD IBAN
The Emirates NBD SWIFT code (EBILAEAD)

This applies to:

Overseas salary payments
International business receipts
Family remittances

When Sending Money

Provide:

Beneficiary IBAN
Beneficiary SWIFT code
Bank name and country

Incorrect details may lead to fees or returned transfers.

Where to Find Your Emirates NBD SWIFT Code

You can securely locate your ENBD SWIFT code through official channels:

Emirates NBD Mobile Banking App
Online Banking Dashboard
Account Statement
Branch Support
ENBD WhatsApp Banking

On the ENBD Mobile App

Log in
Select your account
Tap Account Details

You will see:

Account number
IBAN
Currency
Interest details
SWIFT code
Routing information (if applicable)

Important Clarifications for UAE Banking Users

The SWIFT code is not always the same for every branch
You cannot derive a SWIFT code from an IBAN
ENBD e20 accounts use EBILAEADXXX
Sharjah branches typically use EBILAEADXXX unless specified
Dubai Main Branch uses EBILAEADDMB

Frequently Asked Questions (FAQ)

What is the Emirates NBD SWIFT code in Dubai?

The commonly used Emirates NBD Dubai SWIFT code is EBILAEAD. The Dubai Main Branch uses EBILAEADDMB.

What is the Emirates NBD SWIFT code for Abu Dhabi?

EBILAEADADB.

Is the SWIFT code the same for all Emirates NBD branches?

No. Some branches and departments use unique extensions, though the main code remains valid for general transfers.

Can I find my SWIFT code from my IBAN?

No. IBAN and SWIFT serve different purposes and are issued separately.

What happens if I send money without a SWIFT code?

The transfer may be delayed, charged extra fees, or rejected entirely.

Is BIC different from SWIFT?

No. BIC is simply the technical term for a SWIFT code.

Editorial Note

This article is curated to reflect current UAE banking standards, Emirates NBD operational practices, and international transfer protocols—ensuring readers receive information that is not only optimized for search engines, but genuinely reliable for real-world transactions.

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sara

Sara is a Dubai-based content creator and digital writer with over five years of experience living and working in the UAE. She specializes in covering celebrities, social media influencers, and digital culture, with a strong focus on figures shaping trends in Dubai and the wider Middle East. Through her work at TheDubaiWeb.com, Sara delivers well-researched, human-centric stories that blend pop culture insights with local context, helping readers understand the people behind the online influence.

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