The SWIFT/BIC code for Dubai Islamic Bank is DUIBAEAD, or DUIBAEADXXX in its full 11-character form. Both point to the same place: DIB’s head office in Dubai, which handles the bank’s international transfers centrally. It’s the code you give someone sending money to your DIB account from abroad.
Two things trip people up. If you’re the one sending money out of your DIB account, you don’t use this code at all; you need the receiving bank’s SWIFT code instead. And a SWIFT code isn’t the same as an IBAN. For any international transfer you usually need both.
Dubai Islamic Bank SWIFT/BIC Code
| Detail | Value |
|---|---|
| SWIFT/BIC code (8-character) | DUIBAEAD |
| SWIFT/BIC code (11-character) | DUIBAEADXXX |
| Routing number | 802420101 |
| Bank | Dubai Islamic Bank (DIB) |
| Head office | Al Maktoum Street, Dubai |
| Country | United Arab Emirates |
What the code actually means
A SWIFT code (also called a BIC) is a standard identifier that tells the global payment network which bank a transfer is headed to. DIB’s breaks down like this:
- DUIB: the four-letter bank code for Dubai Islamic Bank.
- AE: the country code for the United Arab Emirates.
- AD: the location code for the head office.
- XXX: the branch code.
XXX(or leaving it off entirely) means the primary head office.
That’s why DUIBAEAD and DUIBAEADXXX are treated as the same code. The eight-character version defaults to the head office, and adding XXX just spells that out for systems that want all eleven characters.
When to use DUIBAEAD vs DUIBAEADXXX
Use whichever your payment form accepts. Most systems take the eight-character DUIBAEAD without a problem. Some foreign banks’ online forms insist on a full eleven characters, and in that case you add XXX to make DUIBAEADXXX. They route to exactly the same place, so neither will misdirect your money.
Is the SWIFT code the same for every DIB branch?
Yes. DUIBAEAD works for all Dubai Islamic Bank branches in the UAE, because DIB processes incoming international wires centrally through its head office rather than through individual branch codes. You don’t need to hunt down a branch-specific code to receive money.
Specialised business units, such as treasury or trade-finance operations, can have their own codes with different suffixes, but those apply to corporate banking functions, not to a normal personal or business transfer. For receiving a regular payment, the main code is all you need.
SWIFT code vs IBAN: what’s the difference
These two get mixed up constantly, and they do different jobs.
- The SWIFT code (DUIBAEAD) identifies the bank. It tells the network the money is going to Dubai Islamic Bank in the UAE.
- The IBAN (International Bank Account Number) identifies the exact account inside that bank. A UAE IBAN is 23 characters, starting with
AEfollowed by 21 digits.
For an international transfer into DIB, the sender needs both: the SWIFT code to reach the bank, and your IBAN to credit your specific account. Leaving out the IBAN, or getting one character wrong, is a common cause of payments getting stuck in manual review.
Receiving money into your DIB account
If someone abroad is sending you money, give them these details exactly as they appear on your account:
- SWIFT/BIC code: DUIBAEAD (or DUIBAEADXXX if their form needs eleven characters).
- Your IBAN: the full 23-character
AEnumber for your DIB account. - Your full name: exactly as registered with the bank, with no initials or abbreviations.
- Bank name and address: Dubai Islamic Bank, Al Maktoum Street, Dubai, UAE.
The sending bank uses the SWIFT code to route the wire to DIB, and the IBAN to land it in your account. Incoming international remittances credited to a DIB account holder are free on DIB’s side, though the sender’s bank or an intermediary abroad may deduct its own charge before the money arrives. Once it lands, confirm the credit with an ATM balance check or DIB’s alt app.
Sending money out of your DIB account
This is where the DIB code doesn’t apply. To send money abroad, you need the recipient’s bank SWIFT code, not yours. DIB’s own code only matters for money coming in. For India-focused remittance from a UAE salary account, Bank of Baroda is another licensed option.
You can send an international transfer through DIB’s alt online or alt mobile banking:
- Log in to alt online or the alt mobile app.
- Go to Transfers, then International Fund Transfer.
- Add the beneficiary: their full name and address, their IBAN or account number, their bank’s name and country, and the recipient bank’s SWIFT/BIC code.
- Enter the amount and choose the destination currency.
- Review the exchange rate, fees, and any correspondent bank charges shown.
- Confirm with the OTP sent to your registered mobile number.
Double-check the beneficiary name and IBAN against what the recipient gave you before you submit. A mismatch is the most common reason a transfer is delayed or returned.
Fees and timing
DIB advertises free international fund transfers through its alt online and alt mobile apps. If you send the same transfer through a branch instead, a service charge applies, up to around AED 36.75 per transfer on a standard account package according to DIB’s Schedule of Charges, with premium account tiers often free.
Two things apply regardless of channel. Correspondent (intermediary) bank charges can be deducted along the way unless the transfer is set up with the sender covering all fees. And an international wire typically takes 1 to 5 business days to arrive, depending on the banks involved and their cut-off times.
FAQ
Is a SWIFT code the same for all branches?
For Dubai Islamic Bank, yes. DUIBAEAD covers all UAE branches because international wires are processed centrally at the head office. Some banks do issue branch-specific codes, but DIB routes everything through its main code for standard transfers.
How can I check my bank’s SWIFT code?
Check your online or mobile banking, look at a recent bank statement, or ask the bank directly. For DIB, the code is published on the bank’s transfer funds page. Always confirm the code with your recipient or the bank before sending a large payment.
Is an IBAN the same as a SWIFT code?
No. A SWIFT code identifies the bank, while an IBAN identifies a specific account within that bank. A UAE IBAN is 23 characters beginning with AE. Most international transfers need both.
What is the DIB routing number?
Dubai Islamic Bank’s routing number is 802420101. It’s used for certain domestic and system-level transfers, separate from the SWIFT code used for international wires.
Bottom line
For receiving international payments into Dubai Islamic Bank, the code is DUIBAEAD (add XXX for eleven-character forms), paired with your 23-character IBAN. For sending money out, you need the other bank’s SWIFT code, not this one. When in doubt about any detail, confirm it against your DIB account or with the bank before the money moves.
