Complete list of SWIFT/BIC codes for ADCB bank in the United Arab Emirates. Find the right code for international wire transfers to ADCB accounts in UAE.
Quick Reference
For most international transfers to ADCB accounts, use ADCBAEAA or ADCBAEAAXXX. If your recipient has provided a specific branch code, use that for faster processing.
ADCB Head Office SWIFT code
Head Office — Main Banking Center
All ADCB SWIFT Codes by Branch
Abu Dhabi Branches
Dubai Branches
ADCB SWIFT Codes Summary Table
| SWIFT Code | Department / Branch | Emirate | Address |
|---|---|---|---|
| ADCBAEAA | Head Office | Abu Dhabi | Sheikh Zayed Street (Al Salam Street), Abu Dhabi |
| ADCBAEAAWMO | Wealth Management | Abu Dhabi | Salam Street, Abu Dhabi |
| ADCBAEAACMD | Cash Management | Abu Dhabi | Al Salam Street, Abu Dhabi |
| ADCBAEAAFIN | Finance / Trade & Guarantees | Abu Dhabi | Al Salam Street, Abu Dhabi |
| ADCBAEAAREM | RBS / Treasury Markets | Abu Dhabi | Al Salam Street, Abu Dhabi |
| ADCBAEAATRY | Treasury Settlements | Abu Dhabi | Salam Street, Abu Dhabi |
| ADCBAEAA060 | Dubai Trade Finance | Dubai | Al Rigga Road, Deira, Dubai |
Understanding the ADCB SWIFT Code
A SWIFT code consists of 8 or 11 characters:
Bank Code
Country
Location
Branch
ADCB Branch Codes
XXX
Head OfficeWMO
Wealth ManagementCMD
Cash ManagementFIN
Finance Dept.REM
RBS / RetailTRY
Treasury060
Dubai Branch
How to Send Money to ADCB
To make an international wire transfer to Abu Dhabi Commercial Bank, you’ll need the following information:
Required Information for Wire Transfer
- SWIFT/BIC Code
Select from the table above based on the type of operation (use ADCBAEAA for general transfers) - Beneficiary’s IBAN
23-character account number starting with AE (e.g., AE07 0330 0001 2345 6789 012)/li> - Beneficiary’s Full Name
Exactly as registered with the bank — no initials or abbreviations - Bank Address
ADCB Building, Al Salam Street, Abu Dhabi, UAE - Purpose of Payment Code
Required for UAE transfers (e.g., SAL for salary, FAM for family support, OAT for own account transfer)
FAQ – ADCB SWIFT codes
Can I use ADCBAEAA instead of ADCBAEAAXXX?
Yes. Both formats are valid. The 8-character version (ADCBAEAA) automatically defaults to head office. International banking systems accept both, though some foreign banks’ payment platforms require exactly 11 characters—in which case use ADCBAEAAXXX.
Is the SWIFT code the same for all ADCB branches?
The base code ADCBAEAA is the same for all ADCB branches in the UAE and will route payments correctly. However, for specific operations there are separate codes with suffixes.
What is the SWIFT code for ADCB Dubai branch?
The SWIFT code for the ADCB Dubai branch (Trade Finance) is ADCBAEAA060. You can also use the main code ADCBAEAA for transfers to Dubai accounts, and the payment will be routed correctly.
What happens if someone uses the wrong ADCB branch code?
The transaction will not fail. ADCB’s central clearing system receives all SWIFT messages regardless of branch suffix. Incorrect codes trigger internal routing protocols that redirect funds to the correct department or account. Processing delay: typically 24-48 hours. No additional fees are charged by ADCB for internal re-routing.
Do ADCB Islamic Banking accounts use different SWIFT codes?
No. ADCB’s Islamic banking division operates under the same banking license and uses identical SWIFT codes. Sharia-compliant accounts are distinguished by internal account number prefixes, not by separate SWIFT identifiers. All ADCB SWIFT codes handle both conventional and Islamic banking transactions.
Is the SWIFT code different for AED vs. foreign currency accounts?
No. SWIFT code selection is independent of currency. The same code serves accounts denominated in AED, USD, EUR, GBP, and all other currencies ADCB handles. Currency identification occurs through separate fields in the SWIFT message format (specifically the MT103 currency code field).
Important Disclaimer
The SWIFT code information provided on this page is for reference purposes only. While we strive to keep this information accurate and up-to-date, we recommend verifying the SWIFT code on the official Abu Dhabi Commercial Bank website or contacting the bank directly before making large transfers. We are not liable for any delays, losses, or errors that may occur as a result of using incorrect banking details.
