For most international transfers to Standard Chartered Bank in Dubai, the main SWIFT/BIC code used is SCBLAEADXXX. You may also see the shorter 8-character version, SCBLAEAD, on some payment forms. Both point to Standard Chartered Bank in the United Arab Emirates, while the final three characters help identify whether the payment is routed to a main office or a more specific branch or department.
Standard Chartered Bank Dubai Details
| Field | Details |
|---|---|
| Bank Name | Standard Chartered Bank |
| Country | United Arab Emirates |
| City | Dubai |
| Known Dubai Address | Standard Chartered Tower, Downtown Dubai |
| Main SWIFT/BIC Code | SCBLAEADXXX |
| 8-Character BIC | SCBLAEAD |
| Bank Code Segment | SCBL |
| Country Code Segment | AE |
| Location Code Segment | AD |
| Main Branch Code | XXX |
| UAE IBAN Bank Identifier | 044 |
| Best Use | Receiving international transfers into a Standard Chartered UAE account, when the recipient’s bank details confirm this code |
Standard Chartered Bank Dubai SWIFT Codes
The code most people need is SCBLAEADXXX. Some SWIFT directories and bank forms may show related Standard Chartered UAE codes with different final three characters. Those final characters are not random. They can point to a specific branch, desk, or internal banking unit.
| SWIFT/BIC Code | How It Is Commonly Used | Practical Note |
|---|---|---|
| SCBLAEADXXX | Main Standard Chartered Bank UAE/Dubai SWIFT code | Usually the safest code to use when the recipient has not provided a more specific branch code. |
| SCBLAEAD | 8-character version of the same BIC | Many banking systems automatically treat it as SCBLAEADXXX. |
| SCBLAEADDIF | Specific Standard Chartered Dubai code shown in SWIFT code directories | Use only when this exact code is supplied by the recipient, invoice, or bank instruction. |
| SCBLAEADWMO | Specific Standard Chartered Dubai-related code shown in SWIFT code directories | Best confirmed before payment, especially for business or wealth-related transfers. |
| SCBLAEADABD | Specific Standard Chartered UAE code shown in some SWIFT code directories | Do not assume it is the right code for a Dubai account unless the receiving bank details state it clearly. |
Term Note: SWIFT/BIC Code
A SWIFT code, also called a BIC, identifies a bank in international payment messaging. It does not replace the recipient’s IBAN, account name, or account number. It tells the sending bank which financial institution should receive the payment message.
How To Read SCBLAEADXXX
The SWIFT/BIC code SCBLAEADXXX can be read in four parts. This matters because many payment delays happen when the sender types a code without knowing whether it is the main bank code or a department-specific version.
| Code Part | Meaning | What It Tells the Payment System |
|---|---|---|
| SCBL | Bank code | Identifies Standard Chartered Bank. |
| AE | Country code | Shows that the bank is in the United Arab Emirates. |
| AD | Location code | Identifies the location used in the SWIFT network. |
| XXX | Branch code | Usually points to the main office or main bank routing code. |
When a code has only 8 characters, such as SCBLAEAD, it is a valid BIC format. When a form needs 11 characters, the final part is often written as XXX. That is why SCBLAEAD and SCBLAEADXXX often appear together.
When To Use SCBLAEADXXX
Use SCBLAEADXXX when you are sending money to a Standard Chartered Bank account in the UAE and the recipient’s details do not name a different Standard Chartered branch code. This is common for personal remittances, company payments, salary-related transfers, and international bank-to-bank payments.
A sender will usually need these details:
- Beneficiary name exactly as it appears on the Standard Chartered account
- IBAN for the recipient’s UAE account
- SWIFT/BIC code, usually SCBLAEADXXX
- Bank name: Standard Chartered Bank
- Bank country: United Arab Emirates
- City or branch location, often Dubai
- Payment currency and transfer purpose, if requested by the sending bank
Term Note: IBAN
An IBAN is the account-level number used for bank transfers in the UAE and many other countries. For UAE accounts, the IBAN begins with AE and has 23 characters. The Standard Chartered UAE bank identifier inside the IBAN is 044.
SWIFT Code and IBAN Work Together
The SWIFT code identifies the bank. The IBAN identifies the account. For a transfer to Standard Chartered Bank Dubai, these two details should match the same recipient account.
For example, a payment instruction may include:
- Bank: Standard Chartered Bank
- SWIFT/BIC: SCBLAEADXXX
- IBAN: A UAE IBAN beginning with AE
- Beneficiary: The exact personal or company account name
If the IBAN belongs to another bank but the SWIFT code points to Standard Chartered, the sending bank may ask for correction before the transfer can move forward. The same can happen when the beneficiary name does not match the account record closely enough.
Why Some Forms Ask for 8 Characters and Others Ask for 11
SWIFT/BIC codes can have either 8 characters or 11 characters. The 8-character code identifies the bank at a broader level. The 11-character version adds a branch or internal routing code.
For Standard Chartered Bank Dubai:
- SCBLAEAD is the 8-character BIC.
- SCBLAEADXXX is the 11-character version with the main branch code.
- Codes ending in letters other than XXX should be used only when the recipient or bank gives that exact code.
This detail is useful for senders because some online banking screens reject an 8-character code even when it is valid. In that case, entering SCBLAEADXXX may fit the form’s required length.
How an Incoming Transfer Is Usually Set Up
A transfer to Standard Chartered Bank Dubai normally follows a simple flow. The exact screen may vary by bank, but the data fields are often similar.
- Select United Arab Emirates as the recipient bank country.
- Enter the bank name as Standard Chartered Bank.
- Enter the SWIFT/BIC code, usually SCBLAEADXXX.
- Add the recipient’s UAE IBAN without extra spaces if the form asks for plain format.
- Type the beneficiary name exactly as shown on the bank account.
- Choose the currency and transfer amount.
- Select the charge option if your bank asks for it.
- Review all details before confirming the payment.
For business payments, the invoice may also show a payment reference, customer number, or contract number. Add that reference exactly as written. It helps the recipient connect the incoming funds to the right account record.
Charge Options You May See
International bank transfers may include charge instructions. These are not part of the SWIFT code, but they affect how transfer fees are handled.
| Charge Type | Meaning | What To Expect |
|---|---|---|
| SHA | Shared charges | The sender pays sending-bank fees, and the recipient may receive bank-side deductions. |
| OUR | Sender pays charges | The sender asks to cover transfer charges, though intermediary bank costs may still depend on the route. |
| BEN | Beneficiary pays charges | Fees are taken from the amount received by the beneficiary. |
If the exact amount must arrive, ask the sending bank how its fee option works for transfers to the UAE. Intermediary banks can affect the received amount, especially when the payment moves through more than one bank before reaching Dubai.
Standard Chartered UAE IBAN Details
For Standard Chartered Bank UAE accounts, the IBAN format is built around the UAE’s 23-character structure. It includes a country code, check digits, bank identifier, and the account number section.
| IBAN Part | Example or Format | Meaning |
|---|---|---|
| Country Code | AE | Shows that the account is in the United Arab Emirates. |
| Check Digits | 2 digits | Used to validate the IBAN format. |
| Bank Identifier | 044 | Identifies Standard Chartered Bank UAE inside the IBAN. |
| Remaining Account Section | Fixed account-number structure | Identifies the customer’s individual account. |
A sample IBAN shown in public educational material should not be used for a real transfer. The correct IBAN must come from the recipient’s bank statement, online banking profile, official bank letter, or payment instruction.
Details To Check Before Sending Money
Before sending a transfer to Standard Chartered Bank Dubai, check the payment details as a set. A correct SWIFT code alone is not enough.
- SWIFT/BIC: Use SCBLAEADXXX unless the recipient gives a more specific Standard Chartered code.
- IBAN: Make sure it begins with AE and belongs to the recipient’s Standard Chartered UAE account.
- Beneficiary name: Match the account name, including company suffixes where relevant.
- Currency: Confirm whether the account can receive AED, USD, EUR, GBP, or another currency.
- Address: If the form asks for a bank address, Standard Chartered Tower, Downtown Dubai is commonly used for Dubai records.
- Reference: Add invoice or customer references when the recipient provides them.
Term Note: Correspondent Bank
A correspondent bank is an intermediate bank used to move funds between countries, currencies, or banking networks. The sender may not choose every correspondent bank in the route. The sending bank usually manages this part of the payment path.
Why a Dubai Transfer May Still Need Extra Review
International payments can pass through automated and manual checks. A transfer may need extra review if the name, IBAN, currency, or payment reference does not look consistent. This is normal banking practice and does not always mean something is wrong.
Common reasons a bank may ask for more detail include:
- The beneficiary name is shortened or typed differently from the account name.
- The sender used an old account number instead of the UAE IBAN.
- The payment form requires an 11-character SWIFT code, but only SCBLAEAD was entered.
- The sender chose a currency not supported by the receiving account.
- The payment purpose field was left too vague for the bank’s transfer form.
Using the full code SCBLAEADXXX, the correct IBAN, and the exact beneficiary name gives the payment clearer routing data.
For Personal Transfers
For a personal transfer to a Standard Chartered account in Dubai, the sender should ask the recipient for the account’s IBAN and the bank’s confirmed SWIFT/BIC code. The recipient can usually find these details in a statement, online banking, mobile banking, or an official bank document.
If the sender’s bank asks for a branch code and the recipient has not provided one, SCBLAEADXXX is usually the practical code to enter. If the form shows a list of Standard Chartered UAE branches, choose the one that matches the recipient’s own bank instruction.
For Business and Company Payments
For company payments, the safest source is the beneficiary’s official invoice or signed bank instruction. Business accounts may use specific payment references, department details, or currency accounts. These details matter when a company receives many payments under the same bank relationship.
A business payment instruction should normally include:
- Full legal company name
- Standard Chartered Bank name
- SCBLAEADXXX or the exact code supplied by the company
- UAE IBAN
- Invoice number or account reference
- Payment currency
- Beneficiary address, when required by the sending bank
If a company gives SCBLAEADDIF, SCBLAEADWMO, or another 11-character code, do not replace it with the main code without checking. A more specific code may exist for a particular business unit or banking arrangement.
Important Details
Is SCBLAEADXXX the Same as SCBLAEAD?
SCBLAEAD is the 8-character BIC. SCBLAEADXXX is the 11-character version with XXX as the main branch code. Many banking systems understand both, but some forms require 11 characters.
Can I Use Only the SWIFT Code for a UAE Transfer?
No. A UAE transfer usually needs the recipient’s IBAN as well. The SWIFT code identifies Standard Chartered Bank; the IBAN identifies the exact account.
Does Standard Chartered Dubai Have More Than One SWIFT Code?
The main code is SCBLAEADXXX. Other Standard Chartered UAE codes may appear in SWIFT directories or on payment instructions. Use a specific 11-character code only when the recipient or bank gives that exact code.
What If My Bank Form Rejects SCBLAEAD?
Enter SCBLAEADXXX if the form requires 11 characters. The added XXX is the standard main-branch ending used in many SWIFT/BIC records.
Where Should I Confirm the Code?
Confirm it through the recipient, the recipient’s bank instruction, Standard Chartered UAE online or mobile banking records, or the bank’s customer support channel. For high-value or time-sensitive transfers, direct confirmation is worth the extra minute.
Standard Chartered UAE Contact Routes
If the transfer details are unclear, Standard Chartered UAE provides support channels for personal, priority, commercial, and corporate banking customers. For general personal banking, customers can contact the bank through its UAE client care number. Corporate and commercial banking customers may use the dedicated UAE business banking numbers or the Straight2Bank support route.
For the cleanest transfer instruction, ask for the details in writing:
- Bank name
- Bank address
- SWIFT/BIC code
- IBAN
- Beneficiary name
- Currency
- Reference or invoice number, if any
Once those details match, the sender can enter SCBLAEADXXX and the UAE IBAN with more confidence. The payment form should then show Standard Chartered Bank in the United Arab Emirates, usually with Dubai as the bank location.
