United Arab Bank’s SWIFT code is UARBAEAA. A payer abroad enters it as the beneficiary bank’s code, along with your 23-character UAB IBAN. Forms that insist on 11 characters take UARBAEAAXXX.
Many people expect the code to contain “UAB” and type something like UABAEAA, which doesn’t exist. The registered prefix is UARB.
UAB details for a sender abroad
| Field | Enter |
|---|---|
| SWIFT / BIC | UARBAEAA, or UARBAEAAXXX for 11 characters |
| Bank name | United Arab Bank P.J.S.C. |
| Bank city | Sharjah, United Arab Emirates (P.O. Box 25022) |
| Beneficiary account | Your IBAN, starting AE |
| IBAN bank code | 046 |
| Sample IBAN layout | AE70 0461 2345 6789 0123 456 (illustrative only) |
Your IBAN comes from a 13-digit account number
UAB account numbers are 13 digits long. Enter yours in the UAB IBAN finder and it returns the IBAN, with the SWIFT code shown on the same page. UAB says the result is valid only if the account number you typed is correct, so check every digit, or copy the IBAN from UAB online or mobile banking instead.
Send the IBAN without spaces when the payer’s form has a single box for it.
Three mistakes that hold up payments
A made-up code. UABAEAA, UABAEAD and similar guesses aren’t registered SWIFT codes. The only correct code is UARBAEAA.
An account number instead of an IBAN. The 13-digit number works inside UAB. A bank abroad needs the IBAN.
A name mismatch. The beneficiary name should match your UAB account exactly. Send the payer your name as it appears on your statement, not a short form.
Fees on incoming payments
The sender’s charge choice decides what reaches you:
- OUR: the sender pays all charges and you get the full amount.
- SHA: charges are shared, so expect a deduction.
- BEN: you pay all charges, including intermediary banks’.
When a transfer is late
International transfers into UAE accounts usually arrive within 4 working days of the value date. If yours hasn’t:
- Ask the sender for the MT103 SWIFT copy or their bank’s payment confirmation.
- Check it shows UARBAEAA and your IBAN with 046 in characters 5 to 7.
- Call UAB on 800 474 in the UAE or +971 6 5987332 from abroad, with the confirmation and its UETR reference.
- If the code or IBAN is wrong, the sender’s bank must amend or recall the payment.
FAQ
What is the SWIFT code of United Arab Bank?
UARBAEAA. The 11-character form is UARBAEAAXXX.
Is the UAB SWIFT code the same for every branch?
Yes. Personal transfers to any UAB account use UARBAEAA, and the IBAN identifies your account.
How do I find my UAB IBAN?
Enter your 13-digit UAB account number in the IBAN finder on uab.ae, or copy it from UAB online or mobile banking.
What is UAB’s customer service number?
800 474 toll free in the UAE, and +971 6 5987332 from outside the UAE.
Before you share your UAB details
- Get your IBAN from the IBAN finder or online banking.
- Send UARBAEAA, the bank name and your IBAN together.
- Make sure the beneficiary name matches your account.
- Keep the sender’s confirmation until the money arrives.
Every other UAE bank’s code is on the UAE bank SWIFT codes list.
