Bank of Sharjah Review
The UAE’s First Bank – Still the Right Choice for Corporate & Private Clients?
Editor’s Verdict for Bank of Sharjah
Bank of Sharjah P.J.S.C. is the oldest bank in the emirate of Sharjah and the fifth bank ever established in the UAE, founded in 1973. Listed on the Abu Dhabi Securities Exchange and headquartered on Al Khan Street in Sharjah, it has built its reputation around corporate banking, trade finance and private banking rather than mass-market retail. The network is deliberately compact: just six branches across Sharjah, Dubai and Abu Dhabi, supported by the eBOS online and mobile banking platform. The bank also maintains an international presence through its subsidiary Emirates Lebanon Bank S.A.L.
✓ Best For
- Companies and SMEs in Sharjah, Dubai and Abu Dhabi needing trade finance and corporate banking
- High-net-worth clients looking for private banking and wealth management in the UAE
- Businesses that value a long-established, locally rooted relationship bank
- Customers comfortable with branch and eBOS banking rather than a large branch footprint
✗ Not Ideal For
- Expats who want branches and ATMs on every corner across all seven emirates
- Customers in Ajman, Ras Al Khaimah, Fujairah or Umm Al Quwain (no branches there)
- Those seeking a flashy, app-first digital-only banking experience
Quick Facts
| Bank Type | Commercial / Corporate / SME / Private Banking & Wealth Management |
|---|---|
| Founded | 1973 (first bank in Sharjah, fifth in the UAE) |
| Headquarters | Al Khan Street, Sharjah, UAE (P.O. Box 1394) |
| Branch Network | 6 branches in the UAE (Sharjah, Dubai, Abu Dhabi) |
| Listing | Abu Dhabi Securities Exchange (ADX) |
| Digital Banking | eBOS Online Banking & eBOS Mobile App (iOS & Android) |
| Online Banking | eBOS Online Banking |
| Languages Supported | English, Arabic |
| SWIFT/BIC Code | SHARAEAS |
| Routing Code / TRN | Routing Code: 401230101 / TRN: 100000424000003 |
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Bank of Sharjah Pros & Cons
✓ Pros
- Established heritage
The first bank in Sharjah and one of the oldest in the UAE, operating since 1973 - Corporate & trade finance focus
Strong expertise in serving companies, trade and the industrial sector - Private banking & wealth management
Dedicated team based in Dubai Media City for HNW clients - eBOS digital platform
Online and mobile banking with e-Statements, transfers and DDA management 24/7 - Publicly listed & transparent
Listed on ADX with regular financial disclosures
✗ Cons
- Very small branch network
Only six branches in three emirates limits in-person access - Limited geographic coverage
No presence in Ajman, RAK, Fujairah or Umm Al Quwain - Not retail-first
Less consumer-oriented than the big retail banks in the UAE - Limited customer care hours
Phone support is not 24/7 (business hours only) - Fewer lifestyle perks
No large rewards, miles or dining-discount programs comparable to mass-market banks
Bank of Sharjah Popular Products
Corporate & Trade Finance
Most Popular
Who it’s for: Companies, SMEs and industrial businesses operating in Sharjah, Dubai and Abu Dhabi.
Corporate banking is the historic core of Bank of Sharjah. The bank serves industry, trade, education and the services sector with current accounts, financing, and a full range of trade finance instruments. Through the eBOS platform, corporate clients can view their Trade Finance position, including references, currency, amount, maturity dates and beneficiary names, directly online.
Eligible clients can also manage Direct Debit Authorities (DDA), upload Salary Information Files (SIF) under the UAE Wages Protection System, and view SWIFT/UAEFTS message details for transfers, all from their eBOS account.
Private Banking & Wealth Management
For HNW Clients
Who it’s for: High-net-worth individuals and families seeking tailored wealth solutions.
The Private Banking & Wealth Management department operates from Dubai Media City and offers personalized advisory, portfolio and relationship-based services. It combines the bank’s long local heritage with discreet, individually managed banking for affluent clients.
This division is positioned as a relationship service rather than a self-service product, with a dedicated contact line separate from general customer care.
eBOS Online & Mobile Banking
Digital
Who it’s for: Existing Bank of Sharjah customers who want to bank remotely, 24/7.
eBOS lets customers connect to their accounts over the internet or SMS at any time. You can transfer money between your own accounts, to other Bank of Sharjah accounts, or to third parties at local and international banks, plus pay utility bills, manage debit cards, and subscribe to free e-Statements and e-Advices.
The eBOS Mobile App is available for Apple and Android devices using the same online banking user ID and password, secured with a personal PIN and industry-standard encryption.
Bank of Sharjah Fees & Charges
Specific tariff figures are published in the bank’s official Schedule of Fees & Charges. The points below reflect the fee areas the bank references publicly:
Digital Experience
eBOS Mobile App
The eBOS Mobile App puts core banking at customers’ fingertips, allowing secure access to account information 24 hours a day. It mirrors most of the functions available in the eBOS online banking service and works on Apple and Android devices.
What works well: The app provides quick, flexible access to balances and transactions. You can transfer between your own accounts, to other Bank of Sharjah accounts and to third parties, manage debit cards (activate/deactivate), and view historical account data even when offline. All data between the device and the bank is protected by strong, industry-standard encryption, with PIN-based access control.
What to keep in mind: The app requires an existing online banking user ID and password, and a PIN reset will clear stored account details, requiring you to log in again. International roaming charges may apply when accessing the app abroad.
Online Banking
The eBOS web portal supports financial and non-financial transactions from anywhere, including transfers, utility bill payments, DDA management, WPS salary file uploads, loan repayment schedules and electronic transfer (SWIFT/UAEFTS) message viewing. Initial registration requires submitting a signed application at a branch, after which login credentials are issued and activated by phone.
Bank of Sharjah Contact Information & Support
Customer Service
Customer Care
eBOS Support (within UAE)
eBOS Support (from abroad)
Consumer Complaints
Private Banking & Wealth
General Enquiries
Headquarters
Al Khan Street
Sharjah, UAE
P.O. Box 1394
Quick Actions
Bank of Sharjah SWIFT Codes
Bank of Sharjah uses a single SWIFT/BIC code for all international transfers. The 8-character code SHARAEAS identifies the head office in Sharjah; it may also appear as SHARAEASXXX. The bank’s Routing Code is 401230101.
| SWIFT Code | Branch / Department | Emirate | Address |
|---|---|---|---|
| SHARAEAS | Head Office | Sharjah | Al Khan Street, P.O. Box 1394 |
If you’re not sure what this means, see what is a SWIFT code. To browse every bank, open the full UAE SWIFT code table, or check this SWIFT code.
Bank of Sharjah Branch Network
Bank of Sharjah operates six branches across three emirates of the UAE: Sharjah, Dubai and Abu Dhabi (including Al Ain and Musaffah). All branches offer disability-friendly access. The bank does not currently operate branches in Ajman, Ras Al Khaimah, Fujairah or Umm Al Quwain.
Sharjah
| Branch | Address | Phone |
|---|---|---|
| Head Office / Sharjah Branch | Al Khan Street, P.O. Box 1394, Sharjah | +971 6 5694411 |
Dubai
| Branch | Address | Phone |
|---|---|---|
| Dubai Garhoud Branch | Al Garhoud Street, P.O. Box 27141, Dubai | +971 4 2827278 |
| Dubai Media City Branch | Dubai Media City, P.O. Box 502360 DMC 7, Dubai | +971 4 3695545 |
Abu Dhabi
| Branch | Address | Phone |
|---|---|---|
| Abu Dhabi Branch | Al Mina Street, P.O. Box 27391, Abu Dhabi | +971 2 6795555 |
| Musaffah Branch | Musaffah, Street 16, P.O. Box 9291, Abu Dhabi | +971 2 6222114 |
| Al Ain Branch | Khalifa Street, P.O. Box 84287, Al Ain, Abu Dhabi | +971 3 7517171 |
Information may change – verify current terms on the official Bank of Sharjah website before making financial decisions. This page is for informational purposes only and does not constitute financial advice.
FAQ – Bank of Sharjah
What is the Bank of Sharjah SWIFT code?
Bank of Sharjah’s SWIFT/BIC code is SHARAEAS (also written as SHARAEASXXX), and its Routing Code is 401230101. The code is registered to the head office on Al Khan Street in Sharjah.
How many branches does Bank of Sharjah have and where?
The bank operates six branches across three emirates: the Head Office / Sharjah branch in Sharjah; Garhoud and Media City branches in Dubai; and the Abu Dhabi, Musaffah and Al Ain branches in the emirate of Abu Dhabi.
How do I contact Bank of Sharjah customer care?
Customer Care is reachable at +971 6 5694411, Monday to Friday from 8:00 AM to 4:00 PM and Saturday from 8:00 AM to 3:00 PM. For eBOS support within the UAE call 800-88-eBOS (3267), and from outside the UAE call +971 6 5694411. General enquiries can be emailed to enquire@bankofsharjah.com.
What documents are needed to open an account?
Individuals typically need an Emirates ID, passport, residence visa, proof of residential address (utility bill, recent bank statement or valid Ejari tenancy contract), FATCA and CRS self-declaration forms, and proof of income or wealth. Companies must provide shareholder IDs for holders above 5%, trade license, Memorandum & Articles of Association, a board resolution, audited financials and FATCA/CRS forms.
What is eBOS and who can use it?
eBOS is Bank of Sharjah’s online and mobile banking service, available 24/7 over the internet and via SMS. Any Bank of Sharjah customer with at least one active account can use it to transfer funds, pay utility bills, manage debit cards and subscribe to free e-Statements. Registration requires submitting a signed application at a branch, after which login details are issued and activated by phone.
How do I file a complaint with Bank of Sharjah?
You can file a consumer complaint by calling +971 6 5113395 or by completing the complaint form available on the bank’s Contact Us page. The bank publishes a Service Promise outlining how complaints are handled.
Does Bank of Sharjah offer private banking?
Yes. The Private Banking & Wealth Management department is based in Dubai Media City (P.O. Box 502360 DMC 7) and can be reached at +971 6 5113630. It provides tailored wealth and advisory services for high-net-worth clients.
Is Bank of Sharjah a publicly listed company?
Yes. Bank of Sharjah is a Public Joint Stock Company (P.J.S.C.) whose shares are traded on the Abu Dhabi Securities Exchange (ADX). It was established in 1973 as the first bank in Sharjah and the fifth in the UAE.
What is Bank of Sharjah’s Tax Registration Number (TRN)?
Bank of Sharjah’s Tax Registration Number is 100000424000003. VAT at the standard UAE rate applies to most goods and services unless they are specifically exempted or zero-rated by law.
What happens if my KYC documents are not up to date?
KYC is mandatory under Bank of Sharjah policy and Central Bank of the UAE regulations. If required documents or information are not provided, the bank may apply restrictions, suspend services, or ultimately close the account. The bank reviews customer records on an ongoing basis and will contact you when updates are needed.
