Emirates Islamic Bank SWIFT Code 2027: Complete Guide To All Branch Code And IBAN
Emirates Islamic Bank SWIFT Code 2027. A SWIFT code helps identify a bank when money is sent internationally. If you have an account with Emirates Islamic Bank P.J.S.C. knowing the correct Emirates Islamic Bank SWIFT Code can help you avoid transfer delays, failed payments and other common problems with international transactions.
However, the exact banking details you need may depend on the type of transfer and the information requested by the sending or receiving bank. This is especially pertinent for payments connected to Dubai, Abu Dhabi, Al Ain, Sharjah, Ras Al Khaimah, Fujairah or Umm Al Quwain.
In this guide, I’ll explain the Emirates Islamic Bank SWIFT Code simply. You’ll learn what the code means, when you need it, how it is used for international transfers and which banking details you should check before sending or receiving money.
What Is a SWIFT Code?
A SWIFT code also called a BIC code (Bank Identifier Code) is a short string of letters and numbers that identifies a specific bank and, often, a specific branch anywhere in the world. Think of it like a postal address but for banks instead of houses.
When money moves between countries, banks don’t just send it randomly across the internet. They use a global messaging network called SWIFT (Society for Worldwide Interbank Financial Telecommunication). This network connects thousands of banks worldwide, and every bank on it has its own unique code its digital “address” so that money always lands in the right place.
Without the correct SWIFT code, your international transfer can:
- Get delayed for days while banks try to manually trace it
- Bounce back to the sender
- Get charged extra correction fees
- In rare cases, get sent to the wrong branch entirely
That’s why getting this one small detail right matters so much.
Read Also: UAE Bank IBAN Check: Complete Guide to Verify IBAN In UAE
Emirates Islamic Bank’s Main SWIFT Code
The primary, most commonly used SWIFT code for Emirates Islamic Bank P.J.S.C. is:
MEBLAEAD
This 8-character code works for most general international transfers into any Emirates Islamic account, regardless of which branch you actually bank with. Some senders prefer to add “XXX” at the end, making it MEBLAEADXXX, which simply signals that the transfer is going to the bank’s head office rather than a specific branch.
Here’s the quick snapshot:
| Detail | Information |
|---|---|
| Bank Name | Emirates Islamic Bank P.J.S.C. |
| Main SWIFT Code | MEBLAEAD |
| Full Head Office Code | MEBLAEADXXX |
| Country | United Arab Emirates |
| Head Office City | Dubai |
| Head Office Address | Building 16, Dubai Healthcare City, Dubai |
| Customer Care Number | 600 599 995 |
Analyzing MEBLAEAD: What Each Letter Means
A lot of people just copy and paste a SWIFT code without ever understanding what it means. Once you understand the structure, you’ll never get confused by these codes again for Emirates Islamic or any other bank. A SWIFT code is always either 8 or 11 characters long, and each section tells you something specific:
- MEBL — Bank Code These four letters are a short version of “Emirates Islamic Bank” and identify the bank itself, separate from any other financial institution.
- AE — Country Code These two letters always tell you which country the bank operates in. AE stands for the United Arab Emirates.
- AD — Location Code These two characters point to the general location tied to the bank’s head office setup.
- XXX or a Branch Code (like AJS, BUD, DFR) — Branch Code This last part, when present, tells you exactly which physical branch the transfer relates to. When you see “XXX” at the end, it simply means the code refers to the bank’s head office rather than one specific branch.
So when you see a code like MEBLAEADAJS, you now know instantly:
- MEBL = Emirates Islamic Bank
- AE = United Arab Emirates
- AD = Location indicator
- AJS = Al Jawazat Street Branch, Al Ain
Simple once you see the pattern, right?
Complete List of Emirates Islamic Bank SWIFT Codes by Branch
Here is the full, easy-to-reference table of every Emirates Islamic Bank branch SWIFT code across the UAE.
| SWIFT Code | Branch Name | Emirate | Address |
|---|---|---|---|
| MEBLAEAD | Head Office | Dubai | Building 16, Dubai Healthcare City |
| MEBLAEADDFR | Al Dhiyafa Road Branch | Dubai | Al Dhiyafa Road |
| MEBLAEADRIQ | Al Riqa Branch | Dubai | Al Riqa Street, Deira |
| MEBLAEADBUD | Bur Dubai Branch | Dubai | Bank Street, Atrium Centre |
| MEBLAEADMRD | Murshid Bazar Branch | Dubai | Murshid Bazaar, Deira |
| MEBLAEADADC | Sheikh Rashid Street Branch | Abu Dhabi | Sheikh Rashid Bin Saeed Al Maktoum Street |
| MEBLAEADAJS | Al Jawazat Street Branch | Al Ain | Al Jawazat Street, Al Ain |
| MEBLAEADSBA | Al Borj Avenue Branch | Sharjah | Al Borj Avenue |
| MEBLAEADROS | Oman Street Branch | Ras Al Khaimah | Al Muntaser Road, Al Nakheel |
| MEBLAEADFUJ | Fujairah Branch | Fujairah | Sheikh Ahmed Bin Abdullah Street |
| MEBLAEADQFS | King Faisal Street Branch | Umm Al Quwain | King Faisal Street |
Keep this table bookmarked. Whenever someone asks you for “the SWIFT code” for a specific Emirates Islamic branch, you can find it here in seconds.
Emirates Islamic Bank Branch Codes Explained City by City
Dubai Branches
Dubai has the highest number of listed branches, which makes sense since it’s the bank’s home city.
- Al Dhiyafa Road Branch:— MEBLAEADDFR A full-service retail branch located on Al Dhiyafa Road offering standard personal banking services.
- Al Riqa Branch:— MEBLAEADRIQ Located on Al Riqa Street in Deira, this branch serves the busy Deira district with full retail banking facilities.
- Bur Dubai Branch:— MEBLAEADBUD Found at the Atrium Centre on Bank Street in Bur Dubai, this is one of the more centrally located branches for customers on that side of the city.
- Murshid Bazar Branch:— MEBLAEADMRD Situated in Murshid Bazaar, Deira this branch is a convenient option for the trading and market community in that area.
Abu Dhabi Branch
- Sheikh Rashid Street Branch MEBLAEADADC Located on the Mezzanine Floor of a building on Sheikh Rashid Bin Saeed Al Maktoum Street, this branch handles both retail and corporate banking needs in the capital.
Al Ain Branch
- Al Jawazat Street Branch:— MEBLAEADAJS Located on Al Jawazat Street in Al Ain, this branch provides full banking services to customers in the Al Ain region.
Sharjah Branch
- Al Borj Avenue Branch:— MEBLAEADSBA Situated on Al Borj Avenue, this is the primary Emirates Islamic branch serving Sharjah residents and businesses.
Ras Al Khaimah Branch
- Oman Street Branch:— MEBLAEADROS Located at the Emirates Islamic Tower on Al Muntaser Road in Al Nakheel, this is the main branch covering Ras Al Khaimah.
Fujairah Branch
- Fujairah Branch:— MEBLAEADFUJ Found on Sheikh Ahmed Bin Abdullah Street, this branch serves the Fujairah emirate.
Umm Al Quwain Branch
- King Faisal Street Branch:— MEBLAEADQFS Located on King Faisal Street, this is the main branch covering Umm Al Quwain.
General SWIFT Code vs. Branch-Specific SWIFT Code: What’s the Difference?
This confuses a lot of people so let’s clear it up simply.
- Main / General SWIFT Code (MEBLAEAD or MEBLAEADXXX) This works for most general and international wire transfers across all branches. If you’re not sure which specific branch code to use, this general code almost always gets the job done.
- Specific Branch SWIFT Codes Some senders, especially certain overseas banks, may specifically ask for the 11-character branch code tied to the exact branch where the account was opened.
Common examples include:
- Abu Dhabi (Rashid Street): MEBLAEADADC
- Al Ain (Al Jawazat Street): MEBLAEADAJS
- Sharjah (Al Borj Avenue): MEBLAEADSBA
- Bur Dubai: MEBLAEADBUD
If your sending bank’s form has a specific field asking for a branch code and rejects the 8-character version, simply use the 11-character version matching the branch on your account statement or bank card.
What Is an IBAN and Why Does It Matter Alongside SWIFT?
While the SWIFT code identifies the bank and branch, the IBAN identifies your specific account. You’ll usually need both for a smooth international transfer.
IBAN (International Bank Account Number) is a standardized code used to identify bank accounts across borders. It contains 23 alphanumeric characters and always starts with a two-letter country code. For any UAE bank, including Emirates Islamic your IBAN will always begin with “AE.”
Example format: AE12 3456 7890 1234 5678 900
Here’s what makes up a UAE IBAN:
- The first two letters (AE) show the country
- The next few digits are check digits used for verification
- Following that is the bank code
- The remaining digits represent your specific account number
When you write out your IBAN for a transfer, remove all the spaces. The spaces you often see written are only there to make long numbers easier to read they’re not part of the actual code.
Where Can You Find Your Emirates Islamic IBAN?
You have a few simple options to locate your IBAN:
Option 1: Check Your Account Statement Your IBAN is printed clearly on any official account statement from Emirates Islamic Bank.
Option 2: Emirates Islamic Online Banking Log into your Emirates Islamic Online Banking portal and check your selected account details.
Option 3: Emirates Islamic Mobile Banking App This is the fastest option for most people. Here’s exactly how to do it:
| Step | Action |
|---|---|
| 1 | Log in to the EI+ Mobile Banking app |
| 2 | Go to Services, then tap “View More Services” |
| 3 | Click on “Letters and Certificates” then select “IBAN Letter” |
| 4 | Choose the account you need |
| 5 | Review the details shown |
| 6 | Enter your SmartPass PIN to confirm |
Within seconds, you’ll have an official IBAN letter you can share with anyone sending you money.
Why IBAN Matters So Much for Your Money Transfers
With the introduction of IBAN, banking in the UAE became dramatically faster and safer. Here’s what changed:
- Faster Processing Inward and outward transfers process automatically instead of needing manual checks by bank staff.
- Fewer Errors Because the IBAN combines country, bank, and account information into one verified code, the chances of money getting sent to the wrong account drop significantly.
- Lower Costs Automated processing generally means fewer manual correction fees for you.
- Mandatory for Salary Payments All inward and outward money transfers in the UAE, along with salary payments processed through the Wage Protection System (WPS), now require an IBAN. If your employer needs your account details for salary payment, your IBAN is what they’ll ask for.
The core benefits, summarized simply:
- Quicker and easier international payments
- No extra manual-processing charges
- Smoother, more reliable cross-border transactions
How to Send Money to an Emirates Islamic Bank Account
If someone abroad wants to send you money, or if you’re sending money to someone with an Emirates Islamic account, here’s exactly what information is needed.
| Required Detail | What You Need to Provide |
|---|---|
| SWIFT/BIC Code | Select from the branch table above (use MEBLAEAD for general transfers) |
| Beneficiary’s IBAN | Full 23-character IBAN starting with AE (e.g., AE07 0351 0001 2345 6789 012) |
| Beneficiary’s Full Name | Must match exactly as registered with the bank — no initials or shortened names |
| Bank Address | Emirates Islamic Bank PJSC, P.O. Box 6564, Dubai, UAE |
| Routing Code | 7034 2011 4 (needed for UAE salary and local AED transfers through WPS) |
| Purpose of Payment Code | Required for UAE transfers — e.g., SAL for salary, FAM for family support, OAT for own account transfer |
Getting every single field correct matters. A single wrong digit in the IBAN, or a name that doesn’t exactly match bank records, can delay your transfer by several days while the banks investigate and correct it manually.
Double-Checking Your SWIFT Code: 3 Things to Verify Before You Send Money
Before you hit “confirm” on any international transfer, take thirty seconds to verify these three things. It could save you days of frustration later.
- 1. Verify the Bank Make sure the bank name on the transfer form matches “Emirates Islamic Bank P.J.S.C.” exactly. Don’t confuse it with other UAE banks that have similar-sounding names.
- 2. Check the Branch Name If you’re using a branch-specific SWIFT code (like MEBLAEADBUD for Bur Dubai), confirm that this actually matches the branch where the recipient’s account was opened.
- 3. Confirm the Country Since banks can operate across multiple countries, double-check that the SWIFT code you’re using corresponds to the correct destination country in this case the United Arab Emirates.
Alternative Ways to Send Money Internationally
While traditional bank transfers using SWIFT codes remain the standard, they’re not always the fastest or cheapest option. Traditional banks often process international transfers slowly and at a higher cost due to multiple intermediary banks being involved along the way.
If speed and lower fees matter to you, some newer services offer alternatives worth exploring, including:
- Wise transfer — often faster, with transfers arriving in under 20 seconds in many cases, and typically no exchange rate mark-ups or hidden fees
- Bank transfer — the traditional SWIFT-based method covered throughout this article
- Debit card or credit card transfers — useful for smaller, quicker payments
- Business-focused international accounts — some providers specialize in fast, cost-effective, and secure international transfers for businesses
These alternatives can be worth comparing, especially for frequent senders, since fees and speed can vary quite a bit between providers.
Common Mistakes People Make With SWIFT Codes (And How to Avoid Them)
Even experienced bank customers slip up sometimes. Here are the most frequent mistakes and simple fixes for each one.
- Mistake 1: Mixing Up Similar Branch Codes Because several branch codes look similar at first glance (like ADC, AJS, SBA), people sometimes copy the wrong one. Always double-check the branch code against the table above rather than relying on memory.
- Mistake 2: Adding Extra Spaces or Characters SWIFT codes and IBANs should never include spaces when entered into a transfer form. Spaces are only added for readability on paper, not for actual data entry.
- Mistake 3: Using an Outdated Code Bank codes can occasionally change if a branch relocates or restructures. If a transfer keeps failing, it’s worth confirming the current code directly with Emirates Islamic customer service.
- Mistake 4: Forgetting the Purpose of Payment Code For transfers into the UAE, forgetting to include the purpose code (like SAL for salary) is a common reason transfers get held up for manual review.
- Mistake 5: Name Mismatches If the beneficiary’s name on the transfer doesn’t exactly match the name on the bank account, many banks will hold or reject the transfer entirely.
FAQs About Emirates Islamic Bank SWIFT Code
What is the main SWIFT code for Emirates Islamic Bank?
Ans: The main SWIFT code is MEBLAEAD. This 8-character code works for most general international transfers into any Emirates Islamic account.
Is MEBLAEAD the same as MEBLAEADXXX?
Ans: Yes. Adding “XXX” at the end simply indicates the transfer is going to the bank’s head office rather than a specific branch. Both refer to the same central code.
Do I need a different SWIFT code for each branch?
Ans: Not always. The general code (MEBLAEAD) works for most transfers. However, some senders may specifically request the 11-character branch code, especially for certain local or corporate transfers.
What does the branch code at the end of a SWIFT code mean?
Ans: The last three characters (like AJS, BUD, or SBA) identify a specific branch location. For example, AJS refers to the Al Jawazat Street Branch in Al Ain.
Where can I find my Emirates Islamic IBAN?
Ans: You can find it on your account statement, through Emirates Islamic Online Banking, or via the EI+ Mobile Banking app under Services > View More Services > Letters and Certificates > IBAN Letter.
Do all countries use IBAN numbers?
Ans: No. While the UAE and many other countries use IBANs, some countries like the United States and India use SWIFT codes and routing numbers instead.
What is the routing code for Emirates Islamic Bank salary transfers?
Ans: The routing code used for UAE salary and local AED transfers through the Wage Protection System (WPS) is 7034 2011 4.
What happens if I use the wrong SWIFT code?
Ans: Using an incorrect SWIFT code can delay your transfer significantly, sometimes result in the money being returned to the sender, and may lead to additional correction fees charged by the banks involved.
Can I use the head office SWIFT code even if my account is at a different branch?
Ans: Yes, in most cases. The general head office code (MEBLAEAD) is designed to work across all branches for standard international transfers.
What is the “Purpose of Payment” code, and is it required?
Ans: It’s a short code that tells UAE banks why money is being transferred for example, SAL for salary or FAM for family support. It is required for transfers into the UAE and helps avoid delays during compliance checks.
How many characters are in an Emirates Islamic Bank SWIFT code?
Ans: Emirates Islamic Bank SWIFT codes are either 8 characters (like MEBLAEAD) or 11 characters when a specific branch code is included (like MEBLAEADAJS).
What is the customer service number for Emirates Islamic Bank?
Ans: You can reach Emirates Islamic Bank customer service at 600 599 995.
Conclusion
International money transfers don’t have to be stressful. Once you understand how the Emirates Islamic Bank SWIFT code system works the general code, the branch-specific codes, and how IBAN fits into the picture you can send or receive money with confidence, knowing exactly what details to provide.
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