When money moves across borders, the smallest detail can carry a lot of weight. For Dubai Islamic Bank transfers, the SWIFT/BIC code is one of those details. It tells the sending bank where to route funds, so your international wire transfer reaches the right institution.
What A SWIFT Code Means For DIB
A SWIFT code (also called a BIC) is a standardized bank identifier used worldwide. For Dubai Islamic Bank, it helps other banks recognize the institution quickly, even when the sender is on the other side of the world.
BIC Structure In Plain Terms
Most payment forms show the SWIFT/BIC as 8 or 11 characters. The first part identifies the bank and location; the optional last part can point to a branch or unit. With DIB, you’ll most often see the primary identifier used for standard international transfers.
| Part | What It Represents | Example Using DUIBAEAD |
|---|---|---|
| Bank Code | The institution identifier used inside the BIC | DUIB |
| Country Code | The country where the bank is registered for routing on the SWIFT network | AE |
| Location Code | City or processing location marker inside the BIC | AD |
| Branch Code | Optional 3-character extension used for a branch, department, or service. Some forms accept XXX for the primary-office format. | XXX (optional) |
When You Use The DIB SWIFT Code
Use the Dubai Islamic Bank SWIFT code when an overseas bank needs to deliver funds into a DIB account. This comes up in personal transfers, salary payments, business invoices, and cross-border settlements tied to Dubai’s active commercial ecosystem.
| Situation | What You Enter For Bank | What Usually Goes With It |
|---|---|---|
| Incoming transfer to a DIB personal account | DUIBAEAD (or DUIBAEADXXX if 11 is required) | UAE IBAN, beneficiary name, transfer reference |
| Incoming transfer to a DIB business account | DUIBAEAD plus correct beneficiary account details | Company legal name, IBAN, invoice/reference number |
| Trade-related payments routed via SWIFT | Start with DUIBAEAD, then confirm whether a dedicated unit code is requested | Supporting documents, beneficiary bank details, and a clear payment purpose |
Details Banks Typically Ask For
The SWIFT code points to Dubai Islamic Bank, but it doesn’t replace account details. Most senders will also need the beneficiary’s IBAN and the exact name registered on the account.
- Bank Name: Dubai Islamic Bank (City: Dubai, Country: United Arab Emirates)
- SWIFT/BIC: DUIBAEAD (or DUIBAEADXXX when 11 characters are required)
- Beneficiary Name: Match the account record at DIB exactly
- Beneficiary IBAN: UAE IBANs start with AE and have a fixed length of 23 characters
- Transfer Reference: Keep it short and specific, so the recipient can track the incoming funds
UAE IBAN Format That Helps Transfers Move Smoothly
For UAE accounts, the IBAN is the main account identifier used in cross-border payments. In the UAE it is 23 characters, combining the country code AE, check digits, a bank identifier, and the account number in a single string.
- AE + 2 check digits
- 3-character bank code
- 16-digit account number
Choosing Between DUIBAEAD And DUIBAEADXXX
Some banking screens accept only an 8-character BIC, while others enforce an 11-character field. If you already have DUIBAEAD and your form demands 11, the common approach is to use DUIBAEADXXX as the primary-office format.
If the beneficiary provides a different DIB SWIFT variant for a specific branch or processing unit, follow that instruction. It’s also smart to match the currency and beneficiary name to the account record before you press send.
Trade And Corporate Transfers
Dubai’s role in regional commerce means many payments relate to invoices, suppliers, and settlement cycles. In these cases, the Dubai Islamic Bank SWIFT code still routes the funds, while the supporting details explain what the payment is for. Clear references help the recipient reconcile the payment with internal records at DIB.
- Use the correct legal entity name and the exact UAE IBAN for the beneficiary.
- Include an invoice number or contract reference so the recipient can recieve and match funds faster.
- If an intermediary bank is involved, your sending bank may request extra routing fields. Keep DUIBAEAD consistent and confirm any additional identifiers with your bank.
Questions People Have About DIB Swift Codes
Is A SWIFT Code The Same As An IBAN?
Not the same thing. The SWIFT/BIC identifies the bank, while the IBAN identifies the account. For Dubai Islamic Bank, you typically need both when money comes from abroad.
Can One DIB SWIFT Code Work For All Branches?
In many international transfers, the primary DIB SWIFT code is enough. Some institutions publish additional codes for specific branches or processing areas. If your beneficiary gives you a specific BIC, use it as written and keep the IBAN accurate.
What If My Bank Refuses An 8-Character Code?
That usually means the form expects 11 characters. Many systems accept DUIBAEADXXX in that field. If the sending bank has its own validation rules, follow them and confirm the final entry with the receiving Dubai Islamic Bank account holder.
