United Arab Emirates's banking system runs on UAEFTS (UAE Funds Transfer System) and IPP (Instant Payment Platform). The country's currency is the AED. The major banks below handle the vast majority of inbound and outbound SWIFT payments to United Arab Emirates.
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Details
United Arab Emirates runs its domestic interbank settlement on UAEFTS (UAE Funds Transfer System) and IPP (Instant Payment Platform). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in United Arab Emirates: Emirates NBD (EBILAEAD, Dubai), First Abu Dhabi Bank (NBADAEAA, Abu Dhabi), Abu Dhabi Commercial Bank (ADCBAEAA, Abu Dhabi), Mashreq Bank (BOMLAEAD, Dubai).
Emirates NBD — SWIFT/BIC EBILAEAD, headquartered in Dubai. Largest UAE bank by assets.
First Abu Dhabi Bank — SWIFT/BIC NBADAEAA, headquartered in Abu Dhabi. Top UAE bank by capital; major regional.
Abu Dhabi Commercial Bank — SWIFT/BIC ADCBAEAA, headquartered in Abu Dhabi. Top-three UAE bank; broad corporate / retail.
Mashreq Bank — SWIFT/BIC BOMLAEAD, headquartered in Dubai. Oldest private bank in the UAE; strong cross-border.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
Key facts
Country: United Arab Emirates (AE)
Currency: AED
Domestic settlement: UAEFTS (UAE Funds Transfer System) and IPP (Instant Payment Platform)
Number of major banks listed: 4
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in United Arab Emirates?
The largest banks in United Arab Emirates include Emirates NBD, First Abu Dhabi Bank, Abu Dhabi Commercial Bank, Mashreq Bank.
What is the SWIFT code for Emirates NBD?
Emirates NBD's primary SWIFT/BIC is EBILAEAD (head office in Dubai). Branches use 11-character extensions of this code.
How are domestic payments settled in United Arab Emirates?
UAEFTS (UAE Funds Transfer System) and IPP (Instant Payment Platform)
How do I track a SWIFT payment to or from United Arab Emirates?
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in United Arab Emirates (or the international intermediary) is currently holding the payment.