The National Bank of Umm Al Qaiwain Dubai SWIFT code is generally written as UMMQAEAD. When an international transfer form asks for an 11-character SWIFT/BIC, the main-office format is commonly entered as UMMQAEADXXX.
Transfer Details
| Bank Name | National Bank of Umm Al Qaiwain P.S.C. |
|---|---|
| Common Short Name | NBQ |
| SWIFT / BIC Code | UMMQAEAD |
| 11-Character Format | UMMQAEADXXX |
| Country | United Arab Emirates |
| Used For | International transfers and bank-to-bank messages involving NBQ accounts |
Before sending money, match the SWIFT code with the beneficiary’s full account name, IBAN, bank name and branch details. A correct SWIFT code helps route the transfer, but the receiving bank still needs the correct account details to credit the funds.
How The Code Breaks Down
This is the bank identifier for National Bank of Umm Al Qaiwain.
This is the country code for the United Arab Emirates.
This is the location code used inside the SWIFT/BIC structure.
This usually means the main office or general bank code when a form requires 11 characters.
UMMQAEAD or UMMQAEADXXX
Both formats point to the same NBQ SWIFT identity in normal transfer use. The 8-character version, UMMQAEAD, identifies the bank. The 11-character version, UMMQAEADXXX, adds the standard main-office ending.
If your sending bank’s form accepts only eight characters, use UMMQAEAD. If it requires eleven characters, use UMMQAEADXXX. Some transfer platforms add XXX automatically after the 8-character BIC.
A SWIFT code, also called a BIC, identifies a bank in international payment messaging. It does not replace the account number or IBAN.
An IBAN identifies the customer’s bank account. For UAE transfers, the beneficiary’s IBAN is usually required together with the bank name and SWIFT code.
Details Usually Needed For An Incoming Transfer
- Beneficiary Name: Use the account holder’s name exactly as it appears with NBQ.
- Bank Name: Enter National Bank of Umm Al Qaiwain P.S.C. or NBQ if the form supports bank search.
- SWIFT Code: Enter UMMQAEAD or UMMQAEADXXX, depending on the transfer form.
- IBAN: Add the full UAE IBAN provided by the recipient.
- Currency and Purpose: Select the correct transfer currency and payment purpose requested by the sending bank.
For a beneficiary banking with NBQ in Dubai, the SWIFT code is still tied to the bank’s SWIFT identity. The account IBAN and beneficiary details are what direct the payment to the correct customer account.
Important Points
Can I Use UMMQAEADXXX For A Dubai NBQ Account?
Yes, UMMQAEADXXX is commonly used when a payment form asks for the full 11-character SWIFT/BIC format. Still, the beneficiary should confirm the details from their NBQ account record before the transfer is sent.
Does The SWIFT Code Replace The IBAN?
No. The SWIFT code identifies the bank, while the IBAN identifies the account. For UAE bank transfers, both details may be required.
What Happens If The SWIFT Code Is Wrong?
A wrong SWIFT code can delay the payment, send it for manual review, or cause the transfer to be returned. Check the bank name, SWIFT code, IBAN and beneficiary name before approving the transaction.
Safe Verification Before Sending Money
For high-value transfers, business payments or first-time beneficiaries, ask the recipient to confirm the details from their NBQ mobile banking, account statement or official bank communication. Avoid relying only on a copied message, especially when the payment amount is large.
The safest transfer setup is a matching set of details: National Bank of Umm Al Qaiwain, UMMQAEAD or UMMQAEADXXX, the correct UAE IBAN, and the exact beneficiary name.
