| Field | Details |
|---|---|
| Bank Name | Abu Dhabi Commercial Bank P.J.S.C. (ADCB) |
| Main SWIFT/BIC Code | ADCBAEAA or ADCBAEAAXXX |
| Dubai Branch-Specific Code | ADCBAEAA060 |
| Dubai Branch Description | Dubai Trade Finance |
| Dubai Branch Address | P 3/1 Al Qubaisi, A.D.C.B. Building, Al Rigga Road, Dubai, United Arab Emirates |
| Country Code in SWIFT | AE — United Arab Emirates |
| Common Payment Use | Receiving international transfers into an ADCB account in the UAE |
| Extra Detail Usually Needed | Recipient name, UAE IBAN, account currency, bank name, and sometimes branch details |
ADCB Dubai SWIFT Codes
For most international payments to Abu Dhabi Commercial Bank in the UAE, the main SWIFT/BIC code is ADCBAEAA. Some payment forms may ask for an 11-character code; in that case, the same main code is often written as ADCBAEAAXXX, where XXX points to the main office rather than a specific branch.
For Dubai-related ADCB transfers, one branch-specific code appears in SWIFT code directories: ADCBAEAA060. This code is linked with Dubai Trade Finance and the ADCB building on Al Rigga Road in Dubai. It is not the same as a personal account number, and it does not replace the recipient’s UAE IBAN.
Term Note: A SWIFT code and a BIC code usually refer to the same bank identifier. Banks and transfer platforms may use either term on payment forms.
Main Code vs Dubai Branch Code
The code ADCBAEAA identifies Abu Dhabi Commercial Bank as the receiving bank in the United Arab Emirates. The longer form ADCBAEAAXXX is simply the 11-character version of the main BIC, with XXX used for the head office or central routing.
The code ADCBAEAA060 adds a three-character branch ending: 060. This points to a Dubai-related branch record. In daily use, many international transfers to ADCB accounts are routed through the main ADCB SWIFT code, while some trade finance or branch-specific instructions may use the Dubai suffix.
| Code | Length | What It Points To | Typical Use |
|---|---|---|---|
| ADCBAEAA | 8 characters | ADCB main BIC | General international transfers to ADCB UAE accounts |
| ADCBAEAAXXX | 11 characters | ADCB main office version | Forms that require an 11-character SWIFT/BIC code |
| ADCBAEAA060 | 11 characters | Dubai Trade Finance branch record | Payments where the sender or recipient has been given the Dubai branch-specific code |
How To Read ADCBAEAA060
A SWIFT/BIC code is not random. It is built in parts. The Dubai code ADCBAEAA060 can be read as follows:
- ADCB — bank code for Abu Dhabi Commercial Bank
- AE — country code for the United Arab Emirates
- AA — location code used in the bank’s BIC
- 060 — branch code linked with the Dubai branch record
Term Note: An 8-character BIC identifies the bank or main office level. An 11-character BIC can identify a branch, department, or specific routing point.
Which ADCB SWIFT Code Should Be Used?
The safest source is always the payment instruction given by the recipient or by ADCB. If the recipient’s ADCB account is in Dubai but no branch-specific code is provided, many senders use the main code ADCBAEAA or its 11-character form ADCBAEAAXXX.
If the recipient, invoice, trade document, or bank letter gives ADCBAEAA060, use that exact code. This is especially relevant when the payment is tied to Dubai Trade Finance, business banking paperwork, or a branch-specific instruction.
- Use ADCBAEAA when the form accepts 8 characters and asks for the main ADCB SWIFT/BIC.
- Use ADCBAEAAXXX when the form requires 11 characters and no Dubai branch suffix has been given.
- Use ADCBAEAA060 when the recipient or payment document specifically asks for the Dubai branch code.
Details Needed With the SWIFT Code
A SWIFT code only identifies the receiving bank. It does not identify the final account by itself. For a payment to reach an ADCB customer in Dubai, the sender usually needs the full set of beneficiary details.
| Payment Field | What To Enter |
|---|---|
| Beneficiary Bank | Abu Dhabi Commercial Bank P.J.S.C. |
| SWIFT/BIC | ADCBAEAA, ADCBAEAAXXX, or ADCBAEAA060, depending on the instruction received |
| Beneficiary Name | The account holder’s full name as registered with ADCB |
| IBAN | The UAE IBAN for the ADCB account |
| Account Currency | AED, USD, EUR, GBP, or another supported currency, depending on the account and transfer |
| Branch Detail | Use the Dubai branch detail only if it appears in the official payment instruction |
| Payment Purpose | The reason selected or written on the sender bank’s form |
Term Note: IBAN means International Bank Account Number. In the UAE, it is used to identify the customer’s account in a standard format for inward and outward payments.
Why the IBAN Still Matters
For UAE bank accounts, the IBAN is not optional payment decoration. It is part of how banks identify the final account. The SWIFT code points the payment toward ADCB; the IBAN points it toward the customer’s account.
This is why a sender should not rely on the SWIFT code alone. A payment instruction with only ADCBAEAA and a name may not be enough. The sender’s bank will usually ask for a UAE IBAN, and the receiving bank uses that IBAN to process the incoming payment accurately.
A UAE IBAN begins with AE. It also includes check digits, a bank code, and the customer’s account number in a standardized format. The visible format may include spaces for easier reading, but electronic payment forms often require the IBAN without spaces.
How an International Transfer Reaches ADCB in Dubai
An international transfer does not move only because a sender types a bank name. The payment message needs structured routing details. The SWIFT/BIC identifies the bank in the international banking network, while the IBAN and beneficiary name connect the payment to the final account.
The usual flow is simple:
- The sender enters the beneficiary name, ADCB SWIFT/BIC code, UAE IBAN, and payment details.
- The sending bank checks the format of the SWIFT/BIC and IBAN.
- The payment is sent through the correspondent or international payment route used by the sender bank.
- ADCB receives the payment message and matches it with the beneficiary account.
- The amount is credited after bank checks, currency handling, and any required processing steps.
Some payments arrive quickly. Others take longer because of time zones, currency conversion, intermediary banks, missing fields, public holidays, or extra review by the sending or receiving bank. The SWIFT code is only one part of that process.
Dubai Trade Finance and Branch-Specific Use
The Dubai-specific code ADCBAEAA060 is often listed with the branch description Dubai Trade Finance. That wording matters. It suggests a routing record tied to business and trade-related banking activity rather than a simple label for every ADCB customer in Dubai.
A person receiving a normal personal transfer into an ADCB account may be given the main ADCB code by the bank. A company handling import, export, documentary credit, or trade finance paperwork may see a branch-specific SWIFT instruction. Both can appear in genuine banking contexts, but they should not be mixed casually.
Practical Reading: If a document says Dubai Trade Finance and gives ADCBAEAA060, follow the document. If no branch code is given, the main ADCB code is usually the cleaner option.
Common Reasons Payment Forms Show Different ADCB Codes
Different websites and bank forms may display ADCB codes in slightly different ways. This does not always mean the information is conflicting. It often reflects the difference between 8-character and 11-character SWIFT/BIC formatting.
- ADCBAEAA is the base BIC.
- ADCBAEAAXXX is the base BIC with a head office ending.
- ADCBAEAA060 is the base BIC with a Dubai branch ending.
The sender’s form may also auto-complete the bank address after the SWIFT code is entered. If the form shows Abu Dhabi for the main ADCB code, that can still be normal for central bank routing. The recipient’s IBAN and account name remain the details that connect the payment to the actual customer account.
Information To Confirm Before Sending
Before a transfer is sent to an ADCB account in Dubai, the sender should confirm the payment details with the recipient. This reduces avoidable delays and keeps the instruction clean.
- Check that the beneficiary name matches the ADCB account name.
- Confirm whether the bank asked for ADCBAEAA, ADCBAEAAXXX, or ADCBAEAA060.
- Use the UAE IBAN exactly as provided.
- Enter the correct account currency when the form asks for it.
- Keep the payment purpose clear and simple.
- Ask the sender’s bank whether an intermediary bank is needed for the chosen currency.
For business payments, the invoice or bank letter should be followed carefully. For personal payments, the beneficiary can usually find the needed details through ADCB online banking, a bank statement, or direct bank support.
SWIFT Code, Routing, and Currency
A SWIFT code identifies the bank, but it does not set the exchange rate, transfer fee, or arrival time. Those parts depend on the sender’s bank, the currency, correspondent banks, and the receiving account setup.
For example, a transfer sent in AED may follow a different route from a transfer sent in USD or EUR. Some sender banks ask for a correspondent bank when sending certain currencies. Others handle the intermediary route automatically. When a form has a field for intermediary bank, it should not be guessed. The sender should use the details provided by the sending bank or ADCB.
Term Note: A correspondent bank is a bank used between the sending bank and the receiving bank. It may help process cross-border payments in certain currencies.
How To Avoid Code Entry Mistakes
SWIFT/BIC codes use letters and numbers, so small typing errors matter. The ADCB code begins with ADCB, then AE, then AA. The Dubai branch version ends with 060.
These points help keep the entry clean:
- Do not add spaces inside the SWIFT code.
- Use capital letters if the form allows manual entry.
- Do not replace the letter O with zero unless the code actually contains zero.
- Do not use the Dubai branch suffix unless it was provided in the payment instruction.
- Do not enter the SWIFT code in the IBAN field.
The clean form of the Dubai branch-specific code is ADCBAEAA060. The clean form of the main 11-character code is ADCBAEAAXXX.
Important Points
Is ADCBAEAA the same as ADCBAEAAXXX?
Yes, for many payment forms they point to the same main ADCB BIC. ADCBAEAA is the 8-character version. ADCBAEAAXXX is the 11-character version with the standard head office ending.
Is ADCBAEAA060 only for Dubai?
ADCBAEAA060 is linked with a Dubai branch record, commonly shown as Dubai Trade Finance. Use it when the recipient or bank instruction gives that exact code.
Can a sender use only the SWIFT code?
No. The sender normally needs the recipient’s UAE IBAN, full account name, and other payment fields. The SWIFT code identifies ADCB, not the final customer account by itself.
What if the transfer form asks for a branch address?
If using the Dubai branch code, the address commonly associated with it is P 3/1 Al Qubaisi, A.D.C.B. Building, Al Rigga Road, Dubai, United Arab Emirates. If using the main ADCB code, the form may show the bank’s main office details.
Should the code be checked before every large transfer?
Yes. SWIFT codes do not change often, but payment instructions can differ by account type, currency, and business purpose. The recipient’s latest bank instruction is the detail that should guide the final entry.
