Emirates NBD SWIFT code: EBILAEAD

Emirates NBD's SWIFT code is EBILAEAD, also written EBILAEADXXX. Your payer also needs your full name as it appears on record, your account number, your 23-character IBAN and the bank's address. Emirates NBD says most international transfers are processed within 4 working days.

From Emirates NBD's own pages, as of November 2026.

SWIFT code (BIC)
EBILAEAD
Bank
Emirates NBD Bank PJSC
Country
United Arab Emirates

Emirates NBD uses both forms: EBILAEAD on its page for receiving a transfer and EBILAEADXXX on its IBAN and SWIFT page. The XXX adds no branch, so a payer can use whichever their form accepts.

Align isn't Emirates NBD and isn't connected to it. This is an independent summary of what the bank publishes. We can't see your account or trace a payment there, so for anything about your account, contact Emirates NBD directly.

How to receive an international wire at Emirates NBD

  1. Find your IBAN in Online or Mobile Banking, or with the bank's IBAN generator. It starts with AE and has 23 characters.
  2. Give your payer the details below.
  3. Agree who pays the fees, because your payer picks the charge option: OUR, SHA or BEN.
  4. If the money hasn't arrived, ask your payer's bank for the MT103. Check that it names EBILAEAD as the receiver, then raise an inward remittance request with Emirates NBD and have the MT103 to hand.

What to give your payer

  • Beneficiary: your full name as it appears on record
  • Account number and IBAN
  • SWIFT code: EBILAEAD
  • Bank address: Emirates NBD Bank PJSC, Baniyas Road, Deira, P.O. Box 777, Dubai, UAE

What Emirates NBD says about charges

  • With OUR, you receive the full amount. With SHA, you and the sender share the charges. With BEN, they come out of the amount sent.
  • Emirates NBD's page for receiving a transfer gives no fixed fee for incoming payments. Check the Key Facts Statement and fee schedule for your account.

See OUR, SHA and BEN for how the payer's choice changes the amount that arrives.

Intermediary banks Emirates NBD lists

Emirates NBD publishes standard settlement instructions for commercial payments to its head office in Dubai. These are the rows for AED, USD, EUR and GBP. Its page lists more currencies.

CurrencyBankSWIFT code
AEDCentral Bank of the UAE, Abu DhabiCBAUAEAA
USDBank of America, New YorkBOFAUS3N
USDCitibank NA, New YorkCITIUS33
USDStandard Chartered Bank, New YorkSCBLUS33
USDBank of New York Mellon, New YorkIRVTUS3N
USDHSBC Bank USAMRMDUS33
USDJPMorgan Chase BankCHASUS33
EURCitibank Europe Plc, IrelandCITIIE2X
EURING Belgium SA/NV, BrusselsBBRUBEBB010
EURHSBC FranceCCFRFRPP
EURSociete GeneraleSOGEFRPP
GBPBarclays Bank PLC, LondonBARCGB22

Worth knowing

  • Timing. Emirates NBD says most banks process local transfers within 2 working days and international ones within 4. It says the time depends on where the sending bank is, the currency and when the transfer reaches Emirates NBD.
  • An IBAN and a SWIFT code do different jobs. Emirates NBD's own explanation: a SWIFT code identifies only the bank, and an IBAN also identifies the account. A payer needs both, and you can check the format of a UAE IBAN with the IBAN checker linked below.

An option for registered companies

A UAE company banking with Emirates NBD can apply to Align for USD, EUR, GBP and AED accounts, subject to its review. They're separate accounts, not Emirates NBD ones. Align serves registered companies only, not individuals or personal accounts, and it isn't a bank. It gives a company named USD, EUR, GBP and AED accounts in the company's own name, with USDC and USDT alongside them, after a business review that usually takes 1 to 3 business days. Pricing is by quote. Your local tax, exchange and reporting rules still apply.

If that could fit, see accounts by currency and check your company's eligibility.

More on this topic

Common questions

Is the Emirates NBD SWIFT code EBILAEAD or EBILAEADXXX?
Both. Emirates NBD's pages use EBILAEAD and EBILAEADXXX for the same bank. It asks that an MT103 names EBILAEAD as the receiver.
How long does a transfer to Emirates NBD take?
The bank says most banks process international transfers within 4 working days, depending on the sending bank's location, the currency and when the transfer reaches it.
What do I do if a transfer to Emirates NBD is missing?
Get the MT103 from the sender's bank, check that it names EBILAEAD as the receiver, and raise an inward remittance request with Emirates NBD.

Sources

  1. Emirates NBD, Receiving a transfer or payment (accessed November 2026)
  2. Emirates NBD, Your IBAN, SWIFT code and routing number (accessed November 2026)
  3. Emirates NBD, Standard settlement instructions (accessed November 2026)
  4. Emirates NBD, Get help with your inward remittance (accessed November 2026)

As of November 2026. Banks change codes, fees and correspondents, so confirm the details with Emirates NBD before you share them with a payer.

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For registered companies: accounts in your company's name.

Named USD, EUR, GBP and AED accounts, with USDC and USDT alongside them. Align isn't a bank. Apply online; our compliance team reviews applications in 1 to 3 business days.

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