Standard Chartered’s SWIFT code in the UAE is SCBLAEAD, or SCBLAEADXXX when a form wants 11 characters. The country and location blocks (AE and AD) are what separate it from Standard Chartered’s codes in other countries, so check them before you hit send.
The other thing worth knowing is that Standard Chartered UAE builds its IBANs differently from most UAE banks. A currency code sits inside the IBAN, so your AED account and your USD account have IBANs that differ in more than just the last digits.
Standard Chartered UAE transfer details
| Field | What to give the payer |
|---|---|
| SWIFT / BIC | SCBLAEAD (11 characters: SCBLAEADXXX) |
| Bank name | Standard Chartered Bank |
| Country | United Arab Emirates |
| Account name | The name exactly as Standard Chartered holds it |
| Beneficiary account | Your 23-character IBAN |
| IBAN bank code | 044 |
| UAE routing code (local clearing) | 504420120 |
| Personal Banking phone | 600 5222 88 (+971 600 5222 88 from abroad) |
How a Standard Chartered UAE IBAN is built
Every UAE IBAN is 23 characters. Standard Chartered fills the 19 characters after the header like this:
| Part | Characters | Example |
|---|---|---|
| Country code | 2 | AE |
| Check digits | 2 | 47 |
| Bank code | 3 | 044 |
| Zeros | 3 | 000 |
| Currency code | 2 | 00 |
| Account number | 11 | 01123456701 |
So an AED account numbered 01123456701 has the IBAN AE47 0440 0000 0112 3456 701. The three zeros keep the length fixed, and the two-digit currency code is a number from the bank’s own system, not a letter code like USD.
The practical rule: each account has its own IBAN, so copy it from the account you want paid into. Sending a payer the IBAN of your AED account when you meant your USD account puts the money in the wrong account and can mean an unwanted currency conversion.
Standard Chartered UAE has an IBAN validator on its website if you want to check an IBAN before sharing it.
Filling in an international transfer form
Payers abroad often meet SWIFT field numbers on their form. The ones that matter for a payment to Standard Chartered UAE:
- 57, Beneficiary’s bank: Standard Chartered Bank, United Arab Emirates, with the bank code SCBLAEAD. Enter one code only.
- 59, Beneficiary: your name, country and IBAN.
- 56A, Intermediary bank: optional. Leave it blank unless the payer has a reason to route through a particular bank.
- 32A, Value date: the date the transfer should be executed, which isn’t always the submission date.
How long it takes
SWIFT transfers usually take one to four working days to reach the destination bank. It can take longer when the payment goes through several banks, when the sending country has exchange controls, or when the receiving bank has to contact the beneficiary before releasing funds.
Standard Chartered may also route outgoing payments through a non-SWIFT option for some countries, choosing the route based on cost, speed and value. A correspondent bank fee can apply when a transfer goes by SWIFT.
Who pays the fees
The sender picks a charge option. OUR means the sender pays everything and you receive the full amount. SHA splits the charges. BEN takes every charge from the amount you receive. For rent, tuition or an invoice, ask for OUR.
If a payment is missing
- Ask the sender for the MT103 from their bank.
- Check the beneficiary bank reads SCBLAEAD and that the IBAN matches the account you expected, including the currency code.
- Call 600 5222 88 with the MT103 if the details are right and four working days have passed.
An MT103 SWIFT copy is what every bank asks for in a trace.
FAQ
What is the SWIFT code of Standard Chartered Bank in Dubai?
SCBLAEAD. The 11-character form is SCBLAEADXXX. It’s used for Standard Chartered accounts across the UAE.
What is Standard Chartered UAE’s IBAN bank code?
- It sits in characters 5 to 7 of every Standard Chartered UAE IBAN.
Why does my Standard Chartered IBAN have so many zeros?
After the bank code 044, three zeros keep the length fixed, then a two-digit currency code and your 11-digit account number follow.
Do different currency accounts have different IBANs?
Yes. The currency code is part of the IBAN, so each account has its own. Give the payer the IBAN of the account you want credited.
How long does an international transfer to Standard Chartered UAE take?
Usually one to four working days by SWIFT, longer if several banks are involved or the sending country has exchange controls.
Next steps
- Copy the IBAN of the right currency account from SC Mobile or a statement.
- Send the payer SCBLAEAD, the bank name and that IBAN.
- Ask for OUR charges when the full amount matters.
- Keep the MT103 until the funds arrive.
Your balance options are on the Standard Chartered UAE balance check page, and every other bank’s code is on the UAE bank SWIFT codes list.
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