IBAN · AE
IBAN format in United Arab Emirates: structure, length and example
An IBAN in United Arab Emirates is 23 characters long and always starts with AE. Payment routing, charges and any currency conversion depend on the sending and receiving banks. Confirm the route and the charges before you send. The details below come from the official IBAN registry maintained by SWIFT as registration authority for ISO 13616.
IBANs run from 15 to 33 characters worldwide, so at 23 this one sits below the average of 24. 6 other countries use the same length, which is why the two opening letters matter — they are what tells the sending bank where the money is going. There is no separate branch identifier: the number points at the bank and the account, not at a particular office. The format has been in force since October 2011.
United Arab Emirates IBAN at a glance
| Field | Value |
|---|---|
| IBAN country code | AE |
| IBAN length | 23 characters |
| Domestic account number length | 19 characters |
| IBAN structure | AE2!n3!n16!n |
| SEPA member | No |
| Example (electronic) | AE070331234567890123456 |
| Example (printed) | AE07 0331 2345 6789 0123 456 |
How an IBAN in United Arab Emirates breaks down
Taking the registry's own example, AE07 0331 2345 6789 0123 456:
| Part | Value | What it is |
|---|---|---|
| Country code | AE | Always AE for United Arab Emirates |
| Check digits | 07 | Calculated from the rest of the number (ISO 7064 mod-97) |
| Bank identifier | 033 | Positions 1–3 of the domestic account number |
| Account number | 1234567890123456 | Identifies the account at that bank |
Letters in the structure notation mean: n digits,
a uppercase letters, c letters or digits; ! means the length
is fixed.
How to send money to an account in United Arab Emirates
- Ask for the IBAN in full — including the country code at the front. Spaces do not matter; banks strip them.
- Check the name matches the account. The check digits catch typing mistakes, not wrong recipients.
- Send — and keep the reference number until the recipient confirms arrival.
Common questions
How many characters is an IBAN in United Arab Emirates?
23 characters, starting with the country code AE. Written on paper it is normally grouped in blocks of four, like AE07 0331 2345 6789 0123 456.
What does a United Arab Emirates IBAN look like?
AE07 0331 2345 6789 0123 456 is the format example published in the official IBAN registry. The first two letters are the country code, the next two are check digits, and the rest identifies the bank and the account.
Do I need a BIC as well as the IBAN for United Arab Emirates?
It depends on the route and on the sending bank. Ask whether a BIC/SWIFT code is needed alongside the IBAN before you send.
Can I check an IBAN before sending money?
The check digits let any bank detect a mistyped IBAN, but they cannot tell you whether the account belongs to the person you think. Confirm the name and the number with the recipient.
Where this data comes from
Structure, length and examples come from the official IBAN Registry published by SWIFT as registration authority for ISO 13616, snapshot of 2026-08-21. Worked examples are derived from the registry's own sample values. Whether a country is inside SEPA is taken from the European Payments Council list of countries in the SEPA schemes, not from the registry: the registry records the position at its own release date and lags behind admissions. Corrections: [email protected].
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