Sharjah Islamic Bank’s commonly listed SWIFT/BIC code for international transfers is NBSHAEASXXX. Dubai customers using SIB should treat this as a bank-level transfer code, not a Dubai-only branch code. Before sending or receiving money, confirm the code with Sharjah Islamic Bank, your account statement, digital banking channel or the sending bank’s transfer screen.
Code Details
| Bank | Sharjah Islamic Bank |
|---|---|
| Common SWIFT / BIC | NBSHAEASXXX |
| 8-Character Code | NBSHAEAS |
| Branch Code | XXX |
| Country | United Arab Emirates |
| City Listed in SWIFT Directories | Sharjah |
| Dubai Use | Used for SIB international transfers when the bank or sending institution asks for Sharjah Islamic Bank’s SWIFT/BIC code. |
| IBAN Context | For UAE account transfers, the beneficiary’s IBAN is normally required along with the bank name and account holder details. |
| Official Verification | SIB Find Us and SWIFT BIC Search |
Use NBSHAEASXXX only after confirming that the sending bank accepts it for the exact Sharjah Islamic Bank account receiving the money. Transfer screens, correspondent bank requirements and beneficiary details can vary by country, currency and payment route.
What the Code Means
A SWIFT code, also called a BIC, identifies a bank in cross-border payments. In NBSHAEASXXX, the first four letters identify Sharjah Islamic Bank, “AE” identifies the United Arab Emirates, “AS” is the location code, and “XXX” is commonly used for the main office or bank-level routing.
Bank code for Sharjah Islamic Bank.
Country code for the United Arab Emirates.
Location code used in the bank’s BIC structure.
Branch code generally used for the head office or main bank code.
A SWIFT or BIC code identifies the receiving bank in an international transfer. It does not identify the customer account by itself.
An IBAN identifies the beneficiary bank account in a structured format. In the UAE, international and local transfers often require the IBAN as well as the bank name.
When to Use It
The Sharjah Islamic Bank SWIFT code is used when a person or company sends money to an SIB account from outside the UAE, or when a foreign bank needs a bank identifier for a cross-border payment. Dubai customers may still use the same SIB bank-level SWIFT code if their SIB account is held through a Dubai branch or digital banking channel, subject to bank confirmation.
Transfer Details
| Transfer Detail | What to Enter | What to Check |
|---|---|---|
| Bank Name | Sharjah Islamic Bank | Use the exact bank name shown by the receiving customer or bank document. |
| SWIFT / BIC | NBSHAEASXXX | Confirm whether the sending bank accepts the 11-character version or the 8-character version. |
| Beneficiary IBAN | Customer’s UAE IBAN | Check every character before submitting the transfer. |
| Beneficiary Name | Full account holder name | The name should match the receiving account records. |
| Currency | AED or foreign currency accepted by the sending bank | Exchange rate, charges and intermediary bank fees may differ by transfer route. |
| Purpose of Payment | Reason selected in the transfer form | Some banks require a payment purpose code or short description. |
SWIFT Code vs IBAN
The SWIFT code points the payment toward Sharjah Islamic Bank. The IBAN points the payment toward the customer’s account. They work together, but they are not interchangeable. A transfer with the correct SWIFT code and an incorrect IBAN can still be delayed, returned or reviewed by the banks involved.
Identifies the receiving bank for international routing. For SIB, the commonly listed code is NBSHAEASXXX.
Identifies the customer’s account. The IBAN should come from the account holder, bank statement or official banking app.
How an International Transfer Usually Works
- Collect Bank Details: The sender needs the beneficiary name, SIB bank name, IBAN and SWIFT/BIC code.
- Enter Transfer Information: The sending bank checks the SWIFT code format and may ask for country, city, currency and payment purpose.
- Bank Routing: The payment may move through correspondent or intermediary banks before reaching Sharjah Islamic Bank.
- Account Matching: SIB matches the incoming payment to the beneficiary account using the IBAN and account holder details.
- Credit or Review: The bank credits the account or requests more information if details are incomplete or inconsistent.
Common Verification Checks
| Check | Why It Matters |
|---|---|
| SWIFT code spelling | One wrong character can route the payment incorrectly or cause rejection. |
| 8-character vs 11-character format | Some systems accept NBSHAEAS, while others ask for NBSHAEASXXX. |
| Beneficiary IBAN | The IBAN is the account-level identifier and should be copied from an official source. |
| Beneficiary name | Name mismatches can slow down crediting or trigger manual review. |
| Currency and charges | Transfer fees, conversion margins and intermediary charges are set by the banks involved. |
| Bank confirmation | SIB or the sending bank can confirm whether any branch-specific or currency-specific instruction applies. |
Sharjah Islamic Bank may serve customers through Dubai branches and UAE-wide digital banking, but the SWIFT/BIC code is not normally written as a separate “Dubai SWIFT code” in public code listings. Treat NBSHAEASXXX as the SIB code to verify before use, not as a location directory entry.
Official Verification
Before sending money, check the code through a direct bank channel. The safest verification points are the recipient’s bank statement, SIB digital banking details, SIB customer support, the official SIB branch and ATM locator, or the sending bank’s validated SWIFT lookup screen.
Use Sharjah Islamic Bank Find Us to reach official branch and contact information.
Use SWIFT BIC Search when a sending bank asks for independent BIC validation.
The final transfer form may show the bank name after the SWIFT code is entered. Review that match carefully.
Important Points
Is NBSHAEASXXX the Same as NBSHAEAS?
They refer to the same SIB BIC structure in many transfer systems. NBSHAEAS is the 8-character version, while NBSHAEASXXX is the 11-character version with “XXX” added as the branch code.
Does Sharjah Islamic Bank Have a Separate Dubai SWIFT Code?
Public SWIFT listings commonly show NBSHAEASXXX for Sharjah Islamic Bank rather than a separate Dubai-only code. If a payment form asks for branch-specific information, confirm the required format with SIB or the sending bank.
Can a SWIFT Code Replace the IBAN?
No. The SWIFT code identifies the bank, while the IBAN identifies the receiving account. Most UAE transfers need both pieces of information.
What Should Be Checked Before Sending Money?
Check the beneficiary name, IBAN, bank name, SWIFT/BIC code, currency, transfer charge option and payment purpose. Small errors can delay a transfer even when the bank code is correct.
Bank codes, transfer rules and intermediary instructions can change. Confirm the latest Sharjah Islamic Bank transfer details through an official SIB channel or the sending bank before submitting a payment.