Complete list of SWIFT/BIC codes for Al Masraf (Arab Bank for Investment & Foreign Trade) in the United Arab Emirates. Find the right code for international wire transfers to Al Masraf accounts in UAE. Al Masraf operates a compact network with 5 active SWIFT codes covering its head office and branches in Abu Dhabi, Dubai and Al Ain.
Quick Reference
For most international transfers to Al Masraf accounts, use ABINAEAA (or ABINAEAAXXX if your sender’s system requires 11 characters). The bank is also historically known as ARBIFT (Arab Bank for Investment & Foreign Trade) – both names refer to the same institution and the same SWIFT code. If your recipient has provided a specific branch code, use that for faster processing.
Al Masraf Head Office SWIFT Code
Head Office – Main Banking Center
All Al Masraf SWIFT Codes by Branch and Department
Abu Dhabi Branches
Dubai Branches
Al Ain Branches
Northern Emirates Branches
Al Masraf SWIFT Codes Summary Table
| SWIFT Code | Branch / Department | Emirate | Address |
|---|---|---|---|
| ABINAEAA / ABINAEAAXXX | Head Office (8- and 11-char formats) | Abu Dhabi | Al Masraf Tower, Hamdan Street, Al Zahiyah |
| ABINAEAASUK | Al-Souk Branch (SWIFT directory) | Abu Dhabi | Hamdan Street, Al Souk area, Al Zahiyah |
| ABINAEAATFS | Trade Finance Services | Abu Dhabi | Al Masraf Tower, Hamdan Street |
| ABINAEAADXB | Dubai Deira Branch | Dubai | Baniyas Street, Deira |
| ABINAEAAAIN | Al Ain Branch | Abu Dhabi | Salahuddeen Al Ayyubi Street, Al Mudeef Area, Al Ain |
| ABINAEAA | Sheikh Zayed Road Branch (routed via HO) | Dubai | Sheikh Zayed Road |
| ABINAEAA | Sharjah Branch (routed via HO) | Sharjah | King Abdul Aziz Street, Al Qasimiyah |
Legacy and Historical Names
Al Masraf has used the same SWIFT bank identifier (ABIN) since its establishment in 1976. Below are the historical brand names and references that still appear in older documents, but they all route to the same active SWIFT code ABINAEAA.
| Code / Name | Status | Notes |
|---|---|---|
| ARBIFT | Legacy brand name | Original trade name “Arab Bank for Investment & Foreign Trade” (often abbreviated ARBIFT). Still used in the bank’s registered legal name and in older SWIFT directories. Current active SWIFT code remains ABINAEAA. |
| ABINAEAA (Tourist Club Area) | Active – address legacy | Older SWIFT directories list the head-office address as “Arbift Building, Hamdan Street, Tourist Club Area”. The current registered address is Al Masraf Tower, Hamdan Street, Al Zahiyah (renamed from Tourist Club Area), P.O. Box 46733, Abu Dhabi – the same physical location and the same active code. |
Note: Unlike some UAE banks that resulted from mergers (e.g., FAB from NBAD + FGB), Al Masraf has never merged with another bank and therefore has no inherited or discontinued SWIFT codes from another institution. The single active bank code is ABIN.
Understanding the Al Masraf SWIFT Code
A SWIFT code consists of 8 or 11 characters:
Bank Code
Country
Location
Branch (default)
Al Masraf Branch and Department Codes
XXX
Head Office (Hamdan Street, Abu Dhabi) — default suffix in 11-char formatSUK
Al-Souk (SWIFT directory routing code, Abu Dhabi)TFS
Trade Finance ServicesDXB
Dubai Deira Branch (Baniyas Street)AIN
Al Ain Branch
How to Send Money to Al Masraf
To make an international wire transfer to Al Masraf (Arab Bank for Investment & Foreign Trade), you’ll need the following information:
Required Information for Wire Transfer
- SWIFT/BIC Code
Select from the table above based on the branch (use ABINAEAA for general transfers) - Beneficiary’s IBAN
23-character account number starting with AE (e.g., AE07 0330 0000 1234 5678 901) - Beneficiary’s Full Name
Exactly as registered with the bank, no initials or abbreviations - Bank Address
Al Masraf Tower, Hamdan Street, P.O. Box 46733, 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 – Al Masraf SWIFT Codes
What is the main SWIFT code for Al Masraf?
The primary SWIFT code for Al Masraf (Arab Bank for Investment & Foreign Trade) is ABINAEAA (or ABINAEAAXXX in the 11-character format). This code routes payments to the bank’s head office in Abu Dhabi and is valid for most international transfers to any Al Masraf branch in the UAE.
Can I use ABINAEAA instead of ABINAEAAXXX?
Yes. Both formats are valid and refer to the same head-office BIC. The 8-character version (ABINAEAA) automatically defaults to the head office. International banking systems accept both, though some foreign banks’ payment platforms require exactly 11 characters, in which case use ABINAEAAXXX.
Is the SWIFT code the same for all Al Masraf branches?
The base code ABINAEAA is valid for all Al Masraf branches in the UAE and will route payments correctly. Four specific branches and divisions have their own 11-character SWIFT codes that may speed up internal processing: Dubai Deira (ABINAEAADXB), Al Ain (ABINAEAAAIN), Al-Souk (ABINAEAASUK) and Trade Finance Services (ABINAEAATFS). The Sheikh Zayed Road (Dubai) and Sharjah branches are routed via the head-office BIC.
What is the full name of Al Masraf bank?
Al Masraf is the trade name of Arab Bank for Investment & Foreign Trade P.J.S.C. (often abbreviated ARBIFT). It is a UAE-based commercial bank established in 1976 under Union Decree No. 50 and headquartered in Abu Dhabi, licensed and regulated by the Central Bank of the UAE.
Does Al Masraf have any old or discontinued SWIFT codes?
No. Al Masraf has never merged with another bank and has used the same bank identifier (ABIN) since its establishment in 1976. Older documents may reference the bank under its registered name “Arab Bank for Investment & Foreign Trade” or the abbreviation “ARBIFT”, but the active SWIFT code has always been ABINAEAA.
What is the SWIFT code for Al Masraf Dubai branch?
The Dubai (Deira) branch SWIFT code is ABINAEAADXB. You can also use the main code ABINAEAA for any transfer to a Dubai account, including the Sheikh Zayed Road branch, which is routed via the head office.
What is the SWIFT code for Al Masraf Al Ain branch?
The Al Ain branch SWIFT code is ABINAEAAAIN. The branch is located at Al Masraf Tower, Salahuddeen Al Ayyubi Street, Al Mudeef Area, Al Ain.
What is the SWIFT code for Al Masraf Trade Finance?
The SWIFT code for Al Masraf Trade Finance Services is ABINAEAATFS. For Letters of Credit, bank guarantees and trade-related transactions, this code ensures faster processing by the specialised department.
What happens if I use the wrong Al Masraf branch code?
In most cases the transaction will not fail. Al Masraf’s central clearing system receives all SWIFT messages regardless of branch suffix, and incorrect codes trigger internal routing that redirects funds to the correct branch or account. This may result in additional internal routing time and, in some cases, intermediary-bank fees, so always confirm the correct branch code with the beneficiary before sending.
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 Al Masraf handles. Currency identification occurs through separate fields in the SWIFT message format (specifically the MT103 currency code field).
What is Al Masraf’s official SWIFT code according to the bank?
According to Al Masraf’s official website (almasraf.ae), the official SWIFT code is ABINAEAA. This code is published on the bank’s salary transfer page and is used for all international fund transfers to Al Masraf accounts across all branches in the UAE.
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 Al Masraf website (almasraf.ae) 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.
