What is the IBAN format for United Arab Emirates?

A United Arab Emirates IBAN is exactly 23 characters long. It starts with the country code "AE", followed by 2 check digits, then a 19-character BBAN (Basic Bank Account Number). The format pattern is: AEkk bbbx xxxx xxxx xxxx xxx.

Is United Arab Emirates part of SEPA?

No, United Arab Emirates is not part of the Single Euro Payments Area (SEPA). International transfers to United Arab Emirates typically use the SWIFT/BIC network instead of SEPA. These transfers may take 2–5 business days and often incur higher fees than SEPA transfers.

What currency does United Arab Emirates use?

United Arab Emirates uses the UAE Dirham (AED). When sending international payments to United Arab Emirates, you’ll need the recipient’s IBAN and may need to specify the currency as AED.

How do I validate a United Arab Emirates IBAN?

To validate a United Arab Emirates IBAN: (1) Check the length is exactly 23 characters. (2) Verify the country code is "AE". (3) Validate the BBAN structure matches the expected pattern for United Arab Emirates. (4) Apply the MOD-97 checksum algorithm by rearranging and converting letters to numbers. A valid IBAN always produces a remainder of 1 when divided by 97.

What does each part of a United Arab Emirates IBAN mean?

A United Arab Emirates IBAN (AEkk bbbx xxxx xxxx xxxx xxx) breaks down as: Country Code (“AE”) identifies United Arab Emirates, Check Digits (2 digits) catch transcription errors, Bank Code (3 characters), Account Number (16 characters). Each segment is validated independently to ensure the IBAN is correctly formatted.

United Arab Emirates IBAN Validator

Validate United Arab Emirates IBANs (23 characters, UAE Dirham)

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How it works

A United Arab Emirates IBAN is 23 characters long and consists of the country code "AE", 2 check digits, and a 19-character BBAN. The check digits use a MOD-97 algorithm to catch typos.

United Arab Emirates IBAN Format

Country	🇦🇪 United Arab Emirates
IBAN Length	23 characters
BBAN Length	19 characters
Currency	UAE Dirham (AED)
SEPA	No
Region	Middle East
Format	AEkk bbbx xxxx xxxx xxxx xxx

IBAN Breakdown

AECountry Code

07Check Digits

033Bank Code

1234567890123456Account Number

Frequently Asked Questions

What is the IBAN format for United Arab Emirates?: A United Arab Emirates IBAN is exactly 23 characters long. It starts with the country code "AE", followed by 2 check digits, then a 19-character BBAN (Basic Bank Account Number). The format pattern is: AEkk bbbx xxxx xxxx xxxx xxx.
Is United Arab Emirates part of SEPA?: No, United Arab Emirates is not part of the Single Euro Payments Area (SEPA). International transfers to United Arab Emirates typically use the SWIFT/BIC network instead of SEPA. These transfers may take 2–5 business days and often incur higher fees than SEPA transfers.
What currency does United Arab Emirates use?: United Arab Emirates uses the UAE Dirham (AED). When sending international payments to United Arab Emirates, you’ll need the recipient’s IBAN and may need to specify the currency as AED.
How do I validate a United Arab Emirates IBAN?: To validate a United Arab Emirates IBAN: (1) Check the length is exactly 23 characters. (2) Verify the country code is "AE". (3) Validate the BBAN structure matches the expected pattern for United Arab Emirates. (4) Apply the MOD-97 checksum algorithm by rearranging and converting letters to numbers. A valid IBAN always produces a remainder of 1 when divided by 97.
What does each part of a United Arab Emirates IBAN mean?: A United Arab Emirates IBAN (AEkk bbbx xxxx xxxx xxxx xxx) breaks down as: Country Code (“AE”) identifies United Arab Emirates, Check Digits (2 digits) catch transcription errors, Bank Code (3 characters), Account Number (16 characters). Each segment is validated independently to ensure the IBAN is correctly formatted.

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Need to validate a different format? Try the universal IBAN validator, the US routing number validator, or the UK sort code validator.

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