Complete list of SWIFT/BIC codes for National Bank of Umm Al Qaiwain (NBQ) in the United Arab Emirates. Find the right code for international wire transfers to NBQ accounts in UAE. NBQ is a compact UAE bank with a network of around 14 branches across all seven emirates and operates two officially registered SWIFT/BIC codes for international transactions.
Quick Reference
For most international transfers to NBQ accounts, use UMMQAEAD or UMMQAEADXXX. A dedicated branch code UMMQAEADFXD is also valid and is registered to the Umm Al Quwain main branch on King Faisal Street. If your recipient has provided a specific branch code, use that for faster processing.
NBQ Head Office SWIFT Code
Head Office – Main Banking Center
All NBQ SWIFT Codes by Branch
Umm Al Quwain Branches
Legacy / Obsolete NBQ SWIFT Codes
National Bank of Umm Al Qaiwain has not undergone any merger, acquisition or rebranding since its incorporation in 1982. Therefore, the bank has no legacy or obsolete SWIFT codes in circulation. Both currently active BICs – UMMQAEAD (Head Office) and UMMQAEADFXD (UAQ Main Branch) – are valid and accepted by all correspondent banks worldwide. Any third-party listing showing an alternative BIC for NBQ should be treated with caution and verified directly with the bank.
NBQ SWIFT Codes Summary Table
| SWIFT Code | Branch / Department | Emirate | Address |
|---|---|---|---|
| UMMQAEAD | Head Office | Umm Al Quwain | NBQ Building, King Faisal Road, Umm Al Quwain |
| UMMQAEADXXX | Head Office (11-character format) | Umm Al Quwain | NBQ Building, King Faisal Road, Umm Al Quwain |
| UMMQAEADFXD | Umm Al Qaiwain Branch | Umm Al Quwain | Umm Al Qaiwain Branch – King Faisal Street, NBQ Building, UAQ |
Understanding the NBQ SWIFT Code
A SWIFT code consists of 8 or 11 characters:
Bank Code
Country
Location
Branch
NBQ Branch and Department Codes
XXX
Head Office (default code, used for all branches without a dedicated suffix)FXD
Umm Al Quwain Main Branch (King Faisal Street)
How to Send Money to NBQ
To make an international wire transfer to the National Bank of Umm Al Qaiwain, you’ll need the following information:
Required Information for Wire Transfer
- SWIFT/BIC Code
Select from the table above based on the branch (use UMMQAEAD for general transfers) - Beneficiary’s IBAN
23-character account number starting with AE (e.g., AE07 0840 0000 1234 5678 901) - Beneficiary’s Full Name
Exactly as registered with the bank – no initials or abbreviations - Bank Address
NBQ Building, King Faisal Street, P.O. Box 800, Umm Al Quwain, UAE - Purpose of Payment Code
Required for UAE transfers (e.g., SAL for salary, FAM for family support, OAT for own account transfer)
FAQ – NBQ SWIFT Codes
What is the main SWIFT code for the National Bank of Umm Al Qaiwain?
The primary SWIFT code for NBQ is UMMQAEAD (or UMMQAEADXXX in the 11-character format). This code routes payments to NBQ’s Head Office and is valid for international transfers to any NBQ account in the UAE.
Can I use UMMQAEAD instead of UMMQAEADXXX?
Yes. Both formats are valid. The 8-character version (UMMQAEAD) automatically defaults to the Head Office. International banking systems accept both, though some foreign banks’ payment platforms require exactly 11 characters – in that case, use UMMQAEADXXX.
Is the SWIFT code the same for all NBQ branches?
Yes. NBQ uses a single main SWIFT code (UMMQAEAD) for all branches in the UAE. Only the Umm Al Quwain main branch on King Faisal Street has an additional dedicated code (UMMQAEADFXD). Whichever branch your beneficiary uses, UMMQAEAD will correctly route the funds – NBQ identifies the destination branch through the beneficiary’s IBAN.
Why does NBQ have two SWIFT codes (UMMQAEAD and UMMQAEADFXD)?
UMMQAEAD is NBQ’s Head Office BIC, registered as the bank’s main routing code. UMMQAEADFXD is a dedicated branch BIC officially registered to the Umm Al Qaiwain Branch, King Faisal Street, NBQ Building, UAQ. Both are active and accepted globally. Unlike merged banks, NBQ has no legacy codes – both BICs were issued natively to NBQ.
What happens if I use the wrong NBQ branch identifier?
The transaction will not fail. NBQ’s central clearing system receives all SWIFT messages regardless of the suffix used. If a payment is sent with UMMQAEAD when UMMQAEADFXD would have been more specific (or vice versa), funds are simply re-routed internally to the correct branch via the IBAN. Processing delay is typically 24-48 hours, and NBQ charges no additional fee for internal re-routing.
What is the SWIFT code for the NBQ branch in Sharjah?
The NBQ Sharjah – Al Majaz branch (King Faisal Street, Al Majaz, Sharjah) uses the main SWIFT code UMMQAEAD. The same code applies to NBQ branches in Abu Dhabi, Al Ain, Ajman (Masfout) and Fujairah (Al Ghurfah).
Is the SWIFT code different for AED vs. foreign currency accounts?
No. SWIFT code selection is independent of currency. The same code (UMMQAEAD) serves accounts denominated in AED, USD, EUR, GBP and all other currencies NBQ handles. Currency identification occurs through a separate field in the MT103 SWIFT message format.
What is NBQ’s official SWIFT code according to the bank?
According to the National Bank of Umm Al Qaiwain’s official website (nbq.ae), the official SWIFT/BIC code is UMMQAEAD. This code is used for all international fund transfers to NBQ accounts across every branch in the UAE.
Where is NBQ headquartered?
NBQ’s Registered Head Office is located at the NBQ Building, King Faisal Street, P.O. Box 800, Umm Al Quwain, UAE. The bank was incorporated in 1982 and operates a network of around 14 branches across all seven emirates of 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 National Bank of Umm Al Qaiwain website (nbq.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.
