Mashreq Bank’s SWIFT code in Dubai is BOMLAEAD, and it covers every Mashreq branch in the UAE. If a sending bank’s form demands 11 characters, use BOMLAEADXXX. Both point to the same head office.
The code gets the money to Mashreq. The IBAN gets it into the right account, and Mashreq sends back incoming payments that arrive without one, after deducting charges. So the two numbers worth checking before you share anything are BOMLAEAD and the 033 inside your IBAN.
Mashreq bank transfer details
| Detail | Value |
|---|---|
| SWIFT/BIC (8 characters) | BOMLAEAD |
| SWIFT/BIC (11 characters) | BOMLAEADXXX |
| Bank name | Mashreqbank PSC |
| Branch | All UAE branches |
| Bank address | Al Ghurair City, 339-C, AGC, Al Riqqa Street, Dubai, UAE |
| UAE bank routing code | 203-320-101 |
| IBAN bank identifier | 033 |
| IBAN length | 23 characters, starting with AE |
Once a sender types BOMLAEAD, their bank’s system may fill in Mashreq’s registered head office on Umniyati Street (off Al Asayel Street), Downtown Dubai, instead of the Al Ghurair City address. That doesn’t change where the money goes. Payments to UAE accounts are credited by IBAN.
Which Mashreq code to use
Use BOMLAEAD for any payment into a Mashreq account: salary from abroad, family support, a client invoice, rent. Mashreq has no separate code for individual branches, so an account opened in Deira, Bur Dubai or Abu Dhabi takes the same one.
The longer codes below belong to back-office departments at head office. Put one on a payment only when that department has given it to you in writing, as happens with trade finance documents or treasury settlements. For an ordinary account credit, a department code adds nothing.
Mashreq department SWIFT codes
| SWIFT code | Branch or department | Location |
|---|---|---|
| BOMLAEAD / BOMLAEADXXX | Head office, all UAE branches | Dubai |
| BOMLAEADHDO | Head Office | Umniyati Street, Downtown Dubai |
| BOMLAEADCSU | FI-Customer Services | Umniyati Street, Downtown Dubai |
| BOMLAEADEBC | Financial Institutions Division | Umniyati Street, Downtown Dubai |
| BOMLAEADFTC | Foreign Trade Centre | Umniyati Street, Downtown Dubai |
| BOMLAEADRAM | Remittances Centre | Umniyati Street, Downtown Dubai |
| BOMLAEADTID | Treasury and Investment Division | Umniyati Street, Downtown Dubai |
| BOMLAEADWOC | Wealth Operations Center | Umniyati Street, Downtown Dubai |
| BOMLAEADGTS | Global Transaction Services | Injaz Building No. 1, Dubai Outsource Zone |
The department names describe who they serve: trade finance, treasury, correspondent banks, corporate cash management and private banking clients.
Mashreq overseas branches SWIFT codes
Mashreq’s branches outside the UAE have their own codes, most under an MSHQ prefix. A payment meant for a Dubai account that goes to one of these reaches that overseas branch, not Mashreq in the UAE.
| SWIFT code | Mashreq office |
|---|---|
| MSHQUS33 | New York |
| MSHQGB2L | London |
| MSHQEGCA | Cairo |
| MSHQQAQA | Doha |
| MSHQKWKW | Kuwait |
| MSHQINBB | Mumbai |
| BOMLBHBM | Bahrain |
MSHQUS33 has one legitimate role on a UAE payment. Mashreq settles US dollars through its New York branch, so when a sender’s bank asks for an intermediary bank on a USD transfer, the answer is Mashreqbank PSC, New York (MSHQUS33). The beneficiary bank stays BOMLAEAD.
Checking a Mashreq IBAN
A Mashreq UAE IBAN is 23 characters: AE, two check digits, the bank identifier 033, then a 16-digit account number. Printed in groups, it looks like AE07 0331 2345 6789 0123 456. In a payment form it goes in as one unbroken string with no spaces.
Characters 5 to 7 are the quick test. If they read 033, the IBAN belongs to Mashreq; anything else is another bank’s account. The 033 is taken from the second, third and fourth digits of Mashreq’s routing code, 203-320-101.
Your IBAN is on your account statement and in Mashreq Online and the Mashreq Mobile app. Copy it from there rather than typing it from memory, since a single wrong digit fails the check-digit test and the payment is rejected.
Receiving a transfer from abroad
Send your payer these details:
- Beneficiary name, exactly as it appears on the Mashreq account.
- Your 23-character IBAN.
- Beneficiary bank: Mashreqbank PSC, SWIFT code BOMLAEAD.
- Bank address: Al Ghurair City, 339-C, AGC, Al Riqqa Street, Dubai, UAE.
- A purpose of payment code, such as FAM for family support, SAL for salary or OAT for a transfer between your own accounts.
- For US dollar payments only, and only if their bank asks: intermediary Mashreqbank PSC, New York, MSHQUS33.
The purpose code is a UAE Central Bank requirement for payments coming into the country, in AED or any other currency. It goes at the start of the payment details field, written as /BENEFRES/AE//FAM/ followed by any reference. Without it, Mashreq has to request the code from the sending bank before crediting you, which delays the payment.
A salary from a UAE employer doesn’t touch the SWIFT code at all. It moves through the Wages Protection System on your IBAN, and you can check that your salary has arrived the same ways you’d check any balance.
Sending money abroad from Mashreq
Outgoing SWIFT transfers run through Mashreq Online, the Mashreq Mobile app, Mashreq ATMs and branches, in more than 30 currencies. You’ll need the recipient’s full name and address, their IBAN or account number, and their bank’s name and SWIFT code. Add intermediary bank details only when the recipient’s bank specifies them.
The exchange rate is shown on screen before you confirm. Transaction limits depend on your customer segment, so a NEO account and a Private Banking account won’t have the same ceiling.
For some countries, Quick Remit is the alternative. It pays out in the recipient’s home currency, usually instantly or the same day, with a flat fee and no correspondent bank deductions. The trade-off is reach: it covers a fixed list of countries and runs only through Mashreq Online and the mobile app, while SWIFT reaches almost any bank.
Who pays the transfer charges
Every SWIFT transfer from Mashreq carries one of three charge options, chosen by the sender:
| Option | Mashreq’s charge | Correspondent bank charges |
|---|---|---|
| Shared (SHA) | Sender | Receiver |
| Sender (OUR) | Sender | Sender |
| Receiver (BEN) | Receiver | Receiver |
OUR is the closest to a guarantee that the full amount lands, but not a complete one. According to Mashreq, intermediary banks may deduct their own charges whatever option was picked. The fee itself varies with the amount, currency, charge option and customer segment.
If you’re the one receiving and need an exact figure to arrive, such as a tuition payment or a deposit, ask the sender to choose OUR and send a little extra to absorb any intermediary cut.
Timing, tracking & recalls
Transfers placed after the daily cut-off, or on a Friday, are processed on the next working day. Once sent, a payment can be followed end to end through SWIFT gpi when the banks along the route are gpi-enabled, which also tends to make it faster.
Mistakes cost money, so these rules are worth knowing before you press send:
- A recall only works while the transfer is still pending, success isn’t guaranteed, and Mashreq charges extra for the request.
- A transfer rejected over missing or wrong beneficiary details incurs an extra charge for each rejection.
- A payment refused by a correspondent or beneficiary bank comes back at the exchange rate on the day of the refund, so you can lose money on the conversion.
To see whether an incoming transfer has landed, the quickest balance checks in the UAE are the app, SMS banking and any ATM.
FAQ
Is BOMLAEAD the same for all Mashreq branches in the UAE?
Yes. BOMLAEAD covers every Mashreq branch in the UAE, from Dubai to Abu Dhabi and Sharjah. Your IBAN identifies the account, so the branch never needs its own code.
Should I use BOMLAEAD or BOMLAEADXXX?
Either one. BOMLAEAD is the 8-character code and BOMLAEADXXX is the same code padded to 11 characters, which some sending banks’ systems require. Both reach Mashreq’s head office.
Does Mashreq Al Islami use a different SWIFT code?
No. Mashreq Al Islami is the Islamic window of Mashreqbank PSC, and it lists the same BOMLAEAD code and Al Ghurair City address for incoming transfers.
What is Mashreq’s bank routing code?
Mashreq’s UAE routing code is 203-320-101. It’s used for domestic payments such as WPS salary files, not for international transfers.
Do I need the SWIFT code for a transfer inside the UAE?
No. A transfer from another UAE bank to your Mashreq account needs only your IBAN and name. The SWIFT code is for payments coming from, or going to, banks outside the UAE.
Why doesn’t Mashreq’s SWIFT code start with MASH?
The bank opened in 1967 as Bank of Oman and became Mashreq in 1993. BOML comes from that original name, and the code was kept after the rebrand.
Before you share your details
- Send BOMLAEAD, not a department code, unless a Mashreq department gave you one for a specific deal.
- Copy your IBAN from a statement or the app and check that characters 5 to 7 read 033.
- Give your name exactly as the account shows it, and a purpose code such as FAM or SAL.
- For USD payments, keep MSHQUS33 ready in case the sender’s bank asks for an intermediary.
- If the full amount has to arrive, ask the sender to pick OUR charges.
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