Mashreq Bank SWIFT Code in Dubai: BOMLAEAD & Department Codes
The Mashreq Bank SWIFT/BIC code for Dubai is BOMLAEAD. The same code covers every Mashreq branch in the UAE, so a normal incoming transfer has no separate Dubai code.
Some payment forms only accept 11 characters. In that case, enter BOMLAEADXXX, which is BOMLAEAD with the head-office suffix added.
The code identifies the bank and nothing else. The sender also needs the receiver’s IBAN, which carries Mashreq’s own bank code (033), and the account holder’s name exactly as it appears on the account. Both are covered below, along with the department codes that share the BOMLAEAD prefix.
Mashreq Bank SWIFT code quick details
| Detail | Value |
|---|---|
| SWIFT/BIC code (8 characters) | BOMLAEAD |
| SWIFT/BIC code (11 characters) | BOMLAEADXXX |
| Bank name | Mashreqbank PSC |
| Branch coverage | All UAE branches, including Dubai |
| Bank address for transfers | Al Ghurair City, 339-C, AGC, Al Riqqa Street, Dubai, UAE |
| Head office | Umniyati Street (off Al Asayel Street), Downtown Dubai |
| Bank routing code | 203-320-101 |
| IBAN bank code | 033 |
| IBAN length | 23 characters, starting with AE |
Which Mashreq code to use
Use BOMLAEAD for any transfer that ends in a Mashreq account in the UAE, whether the account is personal, private or business. The right version depends on the form in front of the sender:
- A form with an 8-character BIC field takes BOMLAEAD.
- A form that insists on 11 characters takes BOMLAEADXXX.
- A department code the recipient sent in writing goes in exactly as written (see the table in the next section).
- A branch name, such as the Dubai branch where the account was opened, is not part of the code and is not needed.
Codes that start with MSHQ
Mashreq’s branches outside the UAE have their own codes, all beginning with MSHQ: MSHQGB2L in London, MSHQQAQA in Doha, MSHQOMRX in Muscat and MSHQEGCA in Cairo. Those belong to accounts held in those countries, so a Dubai account does not use them.
Department SWIFT codes in Dubai
Mashreq registers nine codes in Dubai: the main one plus eight department codes. Ordinary account transfers go to the main code. A department code applies only when that department gives it to the sender.
| SWIFT/BIC code | Department | Location |
|---|---|---|
| BOMLAEAD / BOMLAEADXXX | Main code, all UAE branches | Dubai |
| BOMLAEADHDO | Head Office | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADCSU | FI-Customer Services | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADFTC | Foreign Trade Centre | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADRAM | Remittances Centre | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADTID | Treasury & Investment Division | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADEBC | Financial Institutions Division | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADWOC | Wealth Operations Center | Mashreq HQ, Umniyati Street, Downtown Dubai |
| BOMLAEADGTS | Global Transaction Services | Injaz Building No. 1, Dubai Outsource Zone |
Why a Mashreq code starts with BOML
Mashreq was founded in 1967 as the Bank of Oman Limited and took the Mashreq name on 1 October 1993. The SWIFT code kept the original BOML prefix. That is why the code looks nothing like the bank’s current name, and why the first four letters are the same in all nine Dubai codes.
What the sender must enter for a Mashreq account
A transfer into a Mashreq account in the UAE needs five details:
- The SWIFT/BIC code, BOMLAEAD or BOMLAEADXXX.
- The beneficiary’s IBAN.
- The beneficiary’s full name, spelled as it is registered on the account.
- The bank name, Mashreqbank PSC, and the transfer address from the table above.
- A purpose of payment, as the UAE Central Bank requires.
How a Mashreq IBAN is built
A Mashreq IBAN has 23 characters: AE, two check digits, the bank code 033, then a 16-digit account number. An account number on its own does not work, because the IBAN is a required detail for incoming transfers.
The account holder finds the IBAN in online banking, in the mobile app, or at the top of an account statement. The sender should copy it from there rather than build it by hand.
Charge types for incoming transfers
The sender chooses who pays the bank charges when the transfer is created. Mashreq recognises three options:
| Charge type | Local charge | Correspondent bank charge |
|---|---|---|
| Shared (SHA) | Borne by sender | Borne by receiver |
| Sender (OUR) | Borne by sender | Borne by sender |
| Receiver (BEN) | Borne by receiver | Borne by receiver |
If the full amount has to land in the Mashreq account, the sender should pick OUR, which keeps both charges on the sending side. With Shared or Receiver, intermediary banks can take their fees out of the amount in transit, so the credited sum can come in lower than the sum sent.
The sender’s bank sets its own fee for the transfer. Outward SWIFT fees from a Mashreq account vary by account type, and each amount sits in the schedule of charges.
Sending money from a Mashreq account
A transfer out of Mashreq needs the receiving bank’s SWIFT code, not BOMLAEAD. Mashreq handles outward transfers in more than 30 currencies, refreshes its exchange rates every 30 minutes and tracks transfers in real time through SWIFT gpi. High-value transfers qualify for preferential rates.
- Log in to Mashreq’s online banking portal or the Mashreq Mobile app.
- Open the international transfer option and add the beneficiary: full name, country, bank name, account number or IBAN, and the receiving bank’s SWIFT code.
- Choose the currency and enter the amount.
- Select the charge type: Shared, OUR or BEN.
- Review the exchange rate and fees, then confirm the transfer.
Mistakes that delay a Mashreq transfer
- Typing the account number into the IBAN field.
- Abbreviating the beneficiary’s name or dropping a middle name that appears on the account.
- Adding a branch name or an invented suffix after BOMLAEAD instead of a real department code.
- Entering an MSHQ code because it appeared in a search for Mashreq.
- Choosing Receiver (BEN) when the invoice or salary has to arrive in full.
FAQ
Is BOMLAEAD the same as BOMLAEADXXX?
Yes. BOMLAEAD is the 8-character form and BOMLAEADXXX is the 11-character form of the same code, with XXX marking the head office. Use whichever length the payment form accepts.
Does every Dubai branch use the same Mashreq SWIFT code?
Yes. BOMLAEAD covers all UAE branches, so the branch where the account was opened does not change the code.
Can someone send money to my Mashreq account with only the account number?
No. Mashreq’s receiving details ask for the IBAN, the full name on the account, the SWIFT code and the purpose of payment. Without the IBAN the transfer cannot be matched to the account.
Before the sender hits send
- Give the sender BOMLAEAD (or BOMLAEADXXX for an 11-character form), your IBAN copied from the app, and your name exactly as registered.
- Tell the sender which charge type to pick. OUR is the safe choice when the full amount must arrive.
- Ask for the purpose of payment to be filled in, since the UAE Central Bank requires it.
- Use a department code only if that department has sent it to you in writing.
