Mashreq Bank Swift Code All Branches 2027: Complete Guide To List For All Branches In UAE

Mashreq Bank Swift Code All Branches 2027. If you are sending or receiving money from Mashreq Bank in the UAE, Egypt or any other country you need one small but very important piece of information: the SWIFT code. Without the correct SWIFT code, your international transfer can get delayed, rejected or sent to the wrong branch.

In this guide I have put together every SWIFT/BIC code used by Mashreq Bank from the Head Office in Dubai to individual departments and overseas branches. I have also explained how these codes are structured what documents you need for a transfer.

What Is a SWIFT Code and Why Does It Matter?

A SWIFT code (also called a BIC, or Bank Identifier Code) is a unique set of letters and numbers used to identify a specific bank and branch anywhere in the world. Think of it like a postal address for money it tells the international banking network exactly where your funds should land. When you send money abroad banks don’t just need the account number.

They also need to know:

• Which bank the money is going to
• Which country that bank operates in
• Which city or branch will receive the funds

The SWIFT code answers all three questions in a single code. That’s why getting it right matters so much one wrong character and your transfer could be delayed for days or even sent back.

Mashreq Bank SWIFT Code Format Explained

Every Mashreq Bank SWIFT code follows the same international structure. Once you understand the pattern reading any branch code becomes simple. A standard SWIFT code has 8 or 11 characters broken into four parts:

Note: Mashreq Bank actually uses two different bank identifiers depending on the country. In the UAE, the code starts with BOML, while in Egypt and several other countries, it starts with MSHQ. This is common for large banking groups that have grown through mergers or regional restructuring so don’t be confused if you see both formats while searching.

When the branch code is left out or replaced with “XXX,” it simply means the transfer is going to the bank’s main or head office rather than a specific department.

Mashreq Bank Head Office SWIFT Code

For the vast majority of transfers, this is the only code you will need.

If your recipient hasn’t told you which specific department to use, this general code will work for almost any personal or business transfer into a UAE Mashreq Bank account.

Complete List of Mashreq Bank SWIFT Codes by Branch and Department

Mashreq Bank doesn’t just have one SWIFT code — different departments within the Dubai Head Office use their own extended codes for specialised transactions. Here is the full breakdown.

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Dubai – Head Office and Departments

All of the above departments share the same physical address: Mashreq HQ, Burj Al Shams, Umniyati Street (off Al Asayel Street), Burj Khalifa Community, Downtown Dubai P.O. Box 1250, Dubai, UAE.

Dubai – Outsource Zone

This department handles transaction banking and corporate cash management for business clients.

Quick Branch Code Reference Table

Mashreq Bank Egypt SWIFT Codes

If your transfer is going to Egypt instead of the UAE, the bank identifier changes completely, since Egyptian branches use the MSHQ prefix rather than BOML.

Egypt Head Office Details

Receiving Money at Mashreq Bank

If someone overseas wants to send you money and you hold an account with Mashreq Bank in the UAE give them these three details:

Along with the SWIFT code, the sender will also usually ask you for your IBAN and full name exactly as it appears on your bank account.

Understanding Transfer Charges: Who Pays What?

International transfers usually involve two types of fees a local charge from your own bank and a correspondent bank charge from any intermediary bank involved in moving the money. Mashreq Bank offers three different charge options depending on what you and the recipient agree on:

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Choosing the right option matters. For example if you select “OUR ” the recipient gets the full amount without deductions but you pay slightly more upfront. If you choose “SHA,” the cost is split between both parties which is the most common choice for personal transfers.

Sending Money Through Mashreq Bank

Mashreq offers its own money transfer service that lets customers send funds at competitive exchange rates, without needing to visit a branch. You can complete the entire process through MashreqOnline or the Mashreq Mobile app, making it convenient for both personal and business use.

Quick Remit — Fast Transfers to 30 Countries

For customers who want speed Mashreq’s Quick Remit service is worth knowing about. Key features include:

• Send money to 30 countries worldwide
• Available 24 hours a day, 7 days a week
• Instant or same-day crediting in most cases
• Flat, transparent fees with no hidden correspondent bank charges

This service is particularly popular among UAE residents sending remittances home to family members.

How to Send an International Wire to Mashreq Bank

Whether you’re sending money from another country into a Mashreq Bank account, or between Mashreq accounts internationally, you will need to gather the following information before starting the transfer.

Step 1 — Collect the Recipient’s Details Get the full legal name, residential address, and Mashreq Bank account number of the person receiving the funds. The name must match exactly what is registered with the bank no nicknames or shortened versions.

Step 2 — Confirm the Bank Details Note down the bank’s name, branch address, and the correct SWIFT/BIC code based on which department or country the money is going to.

Step 3 — Prepare the Transfer Information Decide the currency, the exact amount being sent, and the purpose of the transfer (many countries, including the UAE, require a purpose code).

Step 4 — Have Personal Identification Ready Both the sender and the recipient may need to provide valid ID documents, especially for larger transfers, to comply with banking regulations.

Step 5 — Double-Check the IBAN UAE IBANs are 23 characters long and start with “AE” — for example, AE07 0460 0001 2345 6789 012. A single wrong digit can send your money to the wrong account entirely.

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Step 6 — Confirm the Purpose of Payment Code UAE regulations require a purpose code for most transfers, such as SAL for salary, FAM for family support, or OAT for own account transfer.

Full Checklist for a Successful Wire Transfer

Important Note on Payments to Non-Head-Office Branches

If your payment is going to a Mashreq branch or department other than the Head Office, the exact destination branch must be clearly written in the payment instructions. These instructions override any earlier ones you may have been given, and any future changes will always be communicated to you in writing by the bank.

Mashreq Bank Global Settlement Accounts by Currency

Large or corporate transfers often move through a correspondent bank in the destination country before reaching Mashreq. Below is the complete list of Mashreq Bank settlement accounts, organised by currency along with the correspondent bank and its SWIFT address.

This table is especially useful for corporate accountants and treasury teams who deal with multi-currency settlements on a regular basis.

UAE Branch Codes at a Glance

Here’s a simplified summary you can bookmark for quick reference:

• General / All UAE Branches: BOMLAEAD (or BOMLAEADXXX)
• Head Office, Dubai: BOMLAEADHDO
• Customer Services: BOMLAEADCSU
• Foreign Trade Centre: BOMLAEADFTC
• Remittances Centre: BOMLAEADRAM
• Treasury and Investment: BOMLAEADTID

Egypt Branch Codes at a Glance

• Head Office: MSHQEGCAXXX
• Corporate Banking: MSHQEGCACBG
• Retail Banking: MSHQEGCARBG
• Treasury: MSHQEGCATCM

How to Find Your Mashreq Bank SWIFT Code

If you’re still unsure which code applies to you, there are three simple ways to confirm it:

1. Check your bank statement:— most statements list the SWIFT code near your account details.
2. Contact your Mashreq Bank branch directly:— a quick call or branch visit will confirm the exact code.
3. Use the tables in this guide:— match your branch or department to the correct code listed above.

Tips For a Smooth Mashreq Bank Transfer

Here are some practical tips to keep your Mashreq Bank transfer trouble-free:

• Always confirm the code with your recipient first. Don’t rely only on an online list ask the receiver to confirm the exact SWIFT code from their own bank statement or app, especially if it’s a department-specific code.
• Match the SWIFT code to the right country. Remember, UAE branches use BOML while Egypt branches use MSHQ. Using the wrong prefix will send your payment to the wrong country entirely.
• Type the IBAN carefully. A UAE IBAN has exactly 23 characters. Copy-paste it instead of typing manually whenever possible to avoid a single-digit mistake.
• Choose the correct charge option before confirming. If you want the recipient to get the full amount without deductions, select “OUR” instead of “SHA” or “BEN.”
• Keep the purpose of payment code ready. UAE transfers almost always ask for this, so having it prepared in advance speeds up the process.
• Use MashreqOnline or the Mashreq Mobile app for routine transfers. These channels are faster than branch visits and usually offer better exchange rates through services like Quick Remit.
• Save your transaction reference number. If anything goes wrong, this number helps the bank trace your payment much faster.
• For large or business payments, call the specific department. If you’re sending a trade finance or treasury-related payment, contacting the Foreign Trade Centre or Treasury & Investment Division directly can prevent unnecessary back-and-forth.

Common Problems People Face With Mashreq Bank SWIFT Transfers

Even with the right information, a few recurring issues tend to trip people up. Here’s what to watch out for:

• Problem 1: Transfer Delayed for Days This usually happens when the sender uses an outdated or incorrect SWIFT code, or skips the correspondent bank details for currencies that need one. Always cross-check the settlement account table above before sending in a less common currency.
• Problem 2: Money Sent to the Wrong Department Since Mashreq Bank has separate codes for Treasury, Trade Finance, and Remittances, using the general Head Office code (BOMLAEAD) for a specialised transaction can cause your payment to sit unprocessed until it’s manually redirected.
• Problem 3: Transfer Rejected Due to Missing Purpose Code UAE regulations require a purpose of payment code for most incoming transfers. Forgetting to include one (like SAL, FAM, or OAT) is one of the most common reasons a transfer bounces back.
• Problem 4: Name Mismatch Between Sender and Bank Records If the beneficiary’s name on the transfer doesn’t exactly match what’s registered with Mashreq Bank — even a missing middle name — the transfer can be flagged and held for verification.
• Problem 5: Confusion Between UAE and Egypt Codes Because Mashreq Bank operates under two different bank identifiers (BOML for UAE, MSHQ for Egypt), customers sometimes mix up the codes when the recipient has accounts in both countries.
• Problem 6: Unexpected Deduction From the Transferred Amount This typically happens when “SHA” or “BEN” charge types are selected without realising the correspondent bank will deduct its own fee, leaving the recipient with less than expected.
• Problem 7: Confusion Over Which Branch Code to Use With so many department codes (HDO, CSU, FTC, RAM, TID, EBC, WOC, GTS), first-time senders often don’t know which one applies to them. In almost all everyday cases, the general code BOMLAEAD is the safest choice unless your recipient specifically asks for another one.

FAQs About Mashreq Bank SWIFT Codes

What is the main SWIFT code for Mashreq Bank UAE?

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Ans: The primary SWIFT code for Mashreq Bank in the UAE is BOMLAEAD, also written as BOMLAEADXXX. This works for almost all general transfers into any UAE branch.

Is the SWIFT code the same as the IBAN?

Ans: No. The SWIFT code identifies the bank and branch, while the IBAN identifies your individual account. You need both when sending or receiving international transfers.

Why does Mashreq Bank have different SWIFT codes for different departments?

Ans: Large banks split their operations into departments like treasury, trade finance, and remittances so that specialised transactions are routed directly to the right team, speeding up processing.

Can I use the Head Office SWIFT code for any transfer?

Ans: Yes, in most cases. BOMLAEAD works for standard personal and business transfers. You only need a department-specific code if your recipient or transaction type requires it.

Why is the SWIFT code different for Mashreq Bank Egypt compared to the UAE?

Ans: Mashreq Bank uses BOML as its identifier in the UAE and MSHQ in Egypt. This is common among banks that operate under different registered entities or historical naming conventions in each country.

What happens if I use the wrong SWIFT code?

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Ans: Your transfer may be delayed, returned to the sender, or in rare cases, sent to the wrong branch. Always double-check the code against the recipient’s bank details before submitting a transfer.

Do I need a purpose of payment code for UAE transfers?

Ans: Yes. UAE regulations require most incoming international transfers to include a purpose code, such as SAL for salary or FAM for family support.

Who pays the correspondent bank charges on a Mashreq transfer?

Ans: It depends on the charge type selected: Shared (sender pays local, receiver pays correspondent charges), Our (sender pays both), or Ben (receiver pays both).

Can I send money through Mashreq Bank without visiting a branch?

Ans: Yes. Mashreq Money Transfer and Quick Remit are both available through MashreqOnline and the Mashreq Mobile app, letting you send money without stepping into a branch.

How fast is Mashreq’s Quick Remit service?

Ans: Quick Remit offers instant or same-day crediting to 30 countries, with flat fees and no additional correspondent bank charges.

Conclusion

Getting the right SWIFT code is one of the simplest ways to make sure your money reaches Mashreq Bank without delays or extra charges. Whether you’re sending a salary transfer to a family member in the UAE or settling a corporate payment through the Treasury Division, always match your transaction type to the correct code from the tables above. Keep this guide bookmarked — it covers every Mashreq Bank branch and department code you’re likely to need for a smooth, error-free transfer.

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About The Author

Sheikha Maryam Al Mansoori

Sheikha Maryam Al Mansoori lives in Sharjah and writes easy, step-by-step guides about life in the UAE. She explains visas, Emirates ID, metro and bus travel, banking, jobs and property in clear, simple words anyone can follow.