National Bank of Fujairah’s SWIFT code is NBFUAEAF, and its 11-character head office form is NBFUAEAFXXX. You may also see NBFUAEAFDXB on NBF’s own contact page. That’s an NBF code with a Dubai branch block, so both point to the same bank.
For a personal transfer into an NBF account, NBFUAEAF with your IBAN is all a payer needs. The DXB version only matters if a payer’s bank asks for an 11-character code and you’ve been told to use the Dubai one.
NBF transfer details
| Field | What to enter |
|---|---|
| SWIFT / BIC (8) | NBFUAEAF |
| SWIFT / BIC (11, head office) | NBFUAEAFXXX |
| Bank name | National Bank of Fujairah |
| Head office address | P.O. Box 887, Fujairah, UAE |
| Beneficiary account | Your 23-character IBAN |
| IBAN bank code | 038 |
| Sample IBAN layout | AE76 0381 2345 6789 0123 456 (illustrative only) |
| Routing code | 703820101 |
| Customer care | 600 565551 (+971 4 815 7555 from abroad) |
NBF’s general management sits in Dubai, at P.O. Box 2979. The Fujairah P.O. Box is the address NBF gives alongside NBFUAEAFXXX in its settlement instructions, so use the Fujairah address when a form asks for the bank’s address with the head office code.
NBFUAEAF, NBFUAEAFXXX or NBFUAEAFDXB?
| Code | What it is | When to use it |
|---|---|---|
| NBFUAEAF | The 8-character bank code | Default for any transfer |
| NBFUAEAFXXX | Head office, 11 characters | When the form needs 11 characters |
| NBFUAEAFDXB | Dubai branch block, 11 characters | Only if NBF tells you to use it |
All three start with NBFU (the bank), AE (the UAE) and AF (Fujairah). Only the last three characters differ.
Correspondent banks NBF lists by currency
NBF publishes standard settlement instructions naming the correspondent banks it uses for commercial payments in each currency. These are the most common ones for people sending money to the UAE:
| Currency | Correspondent bank | SWIFT code |
|---|---|---|
| USD | Standard Chartered Bank, New York | SCBLUS33 |
| USD | JPMorgan Chase | CHASUS33 |
| EUR | Deutsche Bank AG | DEUTDEFF |
| EUR | ING Belgium, Brussels | BBRUBEBB010 |
| GBP | Barclays Bank PLC | BARCGB22 |
| GBP | Lloyds TSB Bank PLC | LOYDGB2L |
| INR | Axis Bank, Mumbai | AXISINBBFIC |
| CAD | Bank of Montreal | BOFMCAT2 |
A payer doesn’t have to name a correspondent. If their form has an optional intermediary field, one of these can go there. If it doesn’t, NBFUAEAF and your IBAN are enough, and the sender’s bank will pick a route.
Your NBF IBAN
An NBF IBAN is 23 characters: AE, two check digits, 038, then 16 digits for your account. Copy it from the NBF Direct app or your statement. If the three digits after the check digits aren’t 038, the IBAN belongs to another bank. The full IBAN number UAE layout is the same everywhere.
Payroll and local systems may ask for NBF’s routing code, 703820101. Give that with your IBAN for a salary set-up, not the SWIFT code.
Charges
The sender’s charge option decides what you receive:
- OUR: the sender pays all fees and you get the full amount.
- SHA: fees are shared.
- BEN: every fee, including correspondent charges, comes off your amount.
If a payment is missing
- Get the MT103 from the sender’s bank.
- Check the receiving bank is NBFUAEAF, NBFUAEAFXXX or NBFUAEAFDXB.
- Check your IBAN, with 038, is in the beneficiary field.
- Call NBF on 600 565551 with the MT103.
An MT103 SWIFT copy is the document every trace starts with.
If NBF’s final answer on a complaint doesn’t satisfy you, or you’ve had no resolution within 30 calendar days, you can escalate to Sanadak, the UAE’s financial services ombudsman, on 800 72 623 25.
FAQ
What is the SWIFT code of National Bank of Fujairah?
NBFUAEAF. The 11-character head office form is NBFUAEAFXXX.
What is NBFUAEAFDXB?
An NBF SWIFT code with a Dubai branch block. It reaches the same bank as NBFUAEAF.
What is NBF’s routing code?
703820101.
What is NBF’s IBAN bank code?
- It sits in characters 5 to 7 of every NBF IBAN.
What is the NBF customer care number?
600 565551 within the UAE, or +971 4 815 7555 from abroad.
Next steps
- Send the payer NBFUAEAF, the bank name and your IBAN.
- Use NBFUAEAFXXX if their form demands 11 characters.
- Give payroll the routing code 703820101.
- Keep the MT103 until the money arrives.
NBF balance options are on the NBF balance check page, and other banks’ codes are on the UAE bank SWIFT codes list.
