Dubai Islamic Bank SWIFT Code: DUIBAEAD & Transfer Details
The Dubai Islamic Bank SWIFT code is DUIBAEAD. It works for transfers into any personal or business account at DIB, and a sender whose form needs eleven characters can type DUIBAEADXXX, which is the same code with the head office suffix.
The code only routes a payment to DIB. A sender also needs your 23-character IBAN and the bank’s head office address, and money going out of a DIB account carries its own fees.
DIB SWIFT code quick details
| Detail | Value |
|---|---|
| Bank name | Dubai Islamic Bank (PJSC) |
| SWIFT/BIC code | DUIBAEAD |
| 11-character form | DUIBAEADXXX |
| Routing number | 802420101 |
| IBAN bank code | 024 |
| IBAN length | 23 characters |
| Head office | Al Maktoum Road, Deira, P.O. Box 1080, Dubai, United Arab Emirates |
| Regulator | Central Bank of the UAE |
8-character vs 11-character code
DUIBAEAD and DUIBAEADXXX point to the same place, DIB’s head office in Dubai. Enter DUIBAEAD when a form accepts eight characters and DUIBAEADXXX when it demands eleven.
| Part | Characters | Meaning |
|---|---|---|
| Bank | DUIB | Dubai Islamic Bank |
| Country | AE | United Arab Emirates |
| Location | AD | Dubai |
| Branch | XXX | Head office (optional) |
Retail branches share the head office code, so a personal or business account at any DIB branch uses DUIBAEAD.
DIB department SWIFT codes
Three DIB departments have their own 11-character codes, and all three sit in Dubai.
| Code | Department | Location |
|---|---|---|
| DUIBAEAD / DUIBAEADXXX | Head office | Dubai |
| DUIBAEADTOS | Treasury Department | Dubai |
| DUIBAEADDEO | Direct Equities Operations | Dubai |
| DUIBAEADLCS | Department Letters of Credit | Dubai |
Use DUIBAEAD for transfers into a personal or business account. The department codes are for payments addressed to those departments.
What a sender needs to pay into your DIB account
Whoever sends money to your DIB account needs these details:
- Your full name exactly as registered on the account
- Your IBAN, written as AE, two check digits, 024 and a 16-digit account number
- Your account number, if the sender’s form asks for it
- The bank name, Dubai Islamic Bank
- The SWIFT code, DUIBAEAD
- The bank address, Al Maktoum Road, Deira, P.O. Box 1080, Dubai, United Arab Emirates
- The currency of the transfer
DIB charges no fee to credit an incoming transfer to an account at the bank. The sender’s bank and any intermediary bank can still deduct their own charges before the money arrives.
Sending money from a DIB account
International transfers go through DIB’s digital channels or a branch, and the online flow has five steps:
Log in to the alt online banking portal or open alt mobile.
Open the Transfers menu.
Select International Fund Transfer.
Enter or select the beneficiary: full name, address, account number or IBAN, receiving bank name and SWIFT code, plus the currency, amount and purpose of the transfer.
Review the details and submit.
Business customers send through alt business online. A transfer that exceeds your online transfer limit needs a limit increase from DIB before it can be submitted.
Fees & transfer time
An international transfer costs less online than at a branch, and the outward remittance fees are charged per transfer in AED with VAT included.
| Transfer | DIB fee |
|---|---|
| International transfer through online or mobile banking | AED 36.75 |
| International transfer at a branch | AED 63 |
| Express Transfer processing fee | AED 36.75 |
| Incoming transfer to a DIB account | No fee |
Correspondent bank charges come on top of these fees and vary by country, currency and intermediary bank. Most international transfers arrive within 1 to 5 business days, depending on the sending bank, currency conversion and the banks in between.
Transfers that don’t need the SWIFT code
Domestic transfers inside the UAE use the recipient’s IBAN, so no SWIFT code is involved. DIB Express Transfer is a separate service for sending money from the UAE to India, Pakistan, Jordan and the Philippines.
Why a transfer gets held or refused
Most delays come from the checks banks run on every international payment:
- Payments to or from a sanctioned country, or involving a sanctioned person or entity, are prohibited.
- A payment to an account in a non-sanctioned country can still be blocked when the recipient is in a sanctioned country.
- DIB or its correspondent banks can ask about the nature of a transaction, and a transfer may not complete if the information isn’t provided.
- A missing IBAN stops a transfer into a UAE account.
FAQ
What is the Dubai Islamic Bank routing number?
The routing number is 802420101. Enter it in any routing number field on a sending bank’s form, next to the SWIFT code DUIBAEAD.
Do I need an IBAN as well as the SWIFT code?
Yes. A transfer into a UAE account needs the IBAN, which is 23 characters long and carries DIB’s bank code 024 after the two check digits.
How long does a transfer to a DIB account take?
Most arrive within 1 to 5 business days. The sending bank and any intermediary banks decide the exact time.
Does DIB charge for receiving an international transfer?
DIB charges no fee to credit the money to your account. Fees can still be deducted by the sender’s bank and by correspondent banks on the way.
Next steps
- Give the sender DUIBAEAD, your IBAN, your name as registered on the account and DIB’s head office address.
- Check that your IBAN has 23 characters and shows 024 after the check digits before you share it.
- To send money out, use alt online or alt mobile and review the fee on the confirmation screen before you submit.
