Ajman Bank’s SWIFT code is AJMNAEAJ. If a sender’s form needs 11 characters, use AJMNAEAJXXX. Note the last two letters before the branch block: AJ, for Ajman, not AD for Dubai or AA for Abu Dhabi. A code typed with the wrong location letters won’t match Ajman Bank.
Ajman Bank details for a payer
| Field | What to enter |
|---|---|
| SWIFT / BIC | AJMNAEAJ (11 characters: AJMNAEAJXXX) |
| Bank name | Ajman Bank PJSC |
| Country | United Arab Emirates |
| Beneficiary account | Your 23-character IBAN |
| IBAN bank code | 057 |
| Sample IBAN layout | AE86 0571 2345 6789 0123 456 (illustrative only) |
| UAE routing code (local clearing) | 805740101 |
| Contact centre | 600 5555 22 |
How AJMNAEAJ breaks down
- AJMN: the bank code for Ajman Bank
- AE: the United Arab Emirates
- AJ: the location code, Ajman
- XXX: the head office block, used only when 11 characters are required
The same code covers every Ajman Bank account. A payer doesn’t need a branch code once your IBAN is on the payment.
SWIFT code, IBAN or routing code?
Three different codes can come up on an Ajman Bank payment:
| Code | Who asks for it | Use it for |
|---|---|---|
| AJMNAEAJ | A bank abroad | International transfers into your account |
| Your IBAN (with 057) | Anyone paying you | Every transfer, local or international |
| 805740101 | UAE payroll or a local system | Local clearing, such as salary set-up |
If HR asks for your bank’s routing code to set up your salary, give them 805740101 together with your IBAN, not the SWIFT code.
Reading an Ajman Bank IBAN
Your IBAN starts with AE, then two check digits, then 057, then the 16 digits of your account. If the three digits after the check digits aren’t 057, the IBAN isn’t an Ajman Bank account, and AJMNAEAJ is the wrong SWIFT code for it. Copy the IBAN from the Ajman Bank One app or your statement. The general IBAN number UAE format is the same at every bank.
Islamic banking & transfers
Ajman Bank is an Islamic bank, but that doesn’t change anything about how money reaches you. A sender abroad uses the same SWIFT network and the same fields as for any other UAE bank.
Who pays the transfer fees is the sender’s choice. With OUR, you receive the full amount. With SHA, the fees are shared. With BEN, every charge on the route comes out of what you receive. Ask for OUR when the amount must arrive in full.
When you send money from Ajman Bank
Ajman Bank’s fund transfer application asks for the beneficiary’s SWIFT code as a required field for an international transfer, along with the beneficiary’s IBAN or account number and bank name. SWIFT message fees follow the bank’s tariff of charges. Check the beneficiary details on the form before you sign, because the bank isn’t responsible for a transfer that goes astray on details you supplied.
If a transfer is missing
- Ask the sender for the MT103 from their bank.
- Check the receiving bank reads AJMNAEAJ, with AJ, not AD.
- Check the IBAN has 057 after the check digits and no swapped numbers.
- Call Ajman Bank on 600 5555 22 with the MT103.
An MT103 SWIFT copy is what any trace starts from.
FAQ
What is the SWIFT code of Ajman Bank?
AJMNAEAJ. The 11-character version is AJMNAEAJXXX.
What is Ajman Bank’s IBAN bank code?
- It appears in characters 5 to 7 of every Ajman Bank IBAN.
What is the Ajman Bank routing code?
- Use it for local clearing, such as setting up a salary, together with your IBAN.
Does Ajman Bank have different SWIFT codes for each branch?
No branch code is needed. Give the payer AJMNAEAJ and your IBAN.
What is the Ajman Bank customer service number?
600 5555 22.
Before you share your details
- Send the payer AJMNAEAJ, the bank name and your IBAN in one message.
- Double-check the location letters: AJ.
- Give payroll the routing code 805740101, not the SWIFT code.
- Keep the MT103 until the money arrives.
Every other UAE bank’s code is on the UAE bank SWIFT codes list.
