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IBAN Structure United Arab Emirates

Last reviewed: · Source: ISO 13616 / SWIFT IBAN Registry

The United Arab Emirates' IBAN has 23 characters in the format AEkk BBBC CCCC CCCC CCCC CCC. After the country code AE and the check digits come a 3-digit bank code and the 16-digit account number. The Emirates are not a SEPA participant. The currency is the UAE dirham (AED), pegged to the US dollar at a fixed rate. For international payments, routing details, fees and timing depend on the banks, currency and route; check them in advance with your bank. Dubai and Abu Dhabi are major financial centres, so corporate payments to the Emirates are common.

Structural fields are based on the official SWIFT IBAN Registry. The editorial method and validation boundary are documented on our German editorial page (German).

Overview

CountryUnited Arab Emirates (AE)
IBAN length23 characters
FormatAEkk BBBC CCCC CCCC CCCC CCC

Visual breakdown

Fictitious format example, not payment data:

AE070331234567890123456
Country codeCheck digitsBank codeAccount number

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeAE2AE for the United Arab Emirates (ISO 3166-1)
Check digits072Two check digits per MOD-97
Bank code03333-digit bank code
Account number12345678901234561616-digit account number

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Frequently asked questions

How do I check the length of an IBAN from United Arab Emirates?
Remove spaces and count 23 characters. The first two characters are AE; the remaining positions follow AEkk BBBC CCCC CCCC CCCC CCC. A different length is formally invalid for this country format.
What do the check digits in a United Arab Emirates IBAN mean?
The two check digits are calculated from the complete IBAN using ISO 7064 MOD-97. They help detect format and transcription errors. A passing checksum does not confirm that an account exists or identify its account holder.
What should I do when an IBAN is formally invalid?
Check the country code, character count, letters and digits, and the check digits. Compare the entry with your bank records or ask the bank for the correct IBAN. This checker validates structure and checksum; it does not verify account ownership or payment approval.

IBAN structure for other countries

Germany

22 characters · DEkk BBBB BBBB CCCC CCCC CC

Austria

20 characters · ATkk BBBB BCCC CCCC CCCC

Switzerland

21 characters · CHkk BBBB BCCC CCCC CCCC C

Liechtenstein

21 characters · LIkk BBBB BCCC CCCC CCCC C

France

27 characters · FRkk BBBB BGGG GGCC CCCC CCCC CKK

Spain

24 characters · ESkk BBBB GGGG KKCC CCCC CCCC

Italy

27 characters · ITkk XBBB BBGG GGGC CCCC CCCC CCC

Portugal

25 characters · PTkk BBBB SSSS CCCC CCCC CCCK K