Complete list of SWIFT/BIC codes for Zand Bank P.J.S.C. in the United Arab Emirates. Find the right code for international wire transfers to Zand Bank accounts in the UAE. As the UAE’s first fully licensed all-digital bank, Zand Bank operates from a single registered head office in Dubai and uses a unified SWIFT code structure for all incoming international payments.
Quick Reference
For all international transfers to Zand Bank accounts, use ZANDAEAA or ZANDAEAAXXX. Both formats route to the bank’s head office in Dubai and are valid for personal and corporate transfers in any supported currency. Zand Bank also operates a separate branch code ZANDAEAA008 used by certain corporate clients.
Zand Bank Head Office SWIFT Code
Head Office – Digital Banking Center
All Zand Bank SWIFT Codes by Branch
Dubai Branches
Zand Bank SWIFT Codes Summary Table
| SWIFT Code | Branch / Department | Emirate | Address |
|---|---|---|---|
| ZANDAEAA | Head Office | Dubai | Emaar Square, Building 6, Level 1 |
| ZANDAEAA008 | Operations Branch | Dubai | Al Hail Holding Building, Office 101, Floor 1 |
Understanding the Zand Bank SWIFT Code
A SWIFT code consists of 8 or 11 characters:
Bank Code
Country
Location
Branch
Zand Bank Branch Codes
XXX
Head Office (default for incoming transfers)008
Operations Branch (Al Hail Holding Building)
Because Zand Bank is a digital-first institution without a network of physical retail branches, the head-office SWIFT code (ZANDAEAA / ZANDAEAAXXX) is sufficient for almost every international wire transfer. The 008 code is used only when the beneficiary has been specifically instructed by the bank to receive funds via that branch identifier.
How to Send Money to Zand Bank
To make an international wire transfer to Zand Bank P.J.S.C., you’ll need the following information:
Required Information for Wire Transfer
- SWIFT/BIC Code
Use ZANDAEAAXXX for all international transfers unless the beneficiary has been instructed to use ZANDAEAA008 - Beneficiary’s IBAN
23-character account number starting with AE (e.g., AE07 0XXX XXXX XXXX XXXX XXX) - Beneficiary’s Full Name
Exactly as registered with the bank – no initials or abbreviations - Bank Address
Zand Bank PJSC, Emaar Square, Building 6, Level 1, P.O. Box 62593, Dubai, UAE - Purpose of Payment Code
Required for UAE transfers (e.g., SAL for salary, FAM for family support, GDS for goods, OAT for own account transfer)
About Zand Bank P.J.S.C.
Zand Bank is the UAE’s first fully licensed, all-digital bank, regulated by the Central Bank of the UAE. The bank serves both retail and corporate clients and was among the first banks in the region to receive a Virtual Assets Custody licence from the Dubai Virtual Assets Regulatory Authority (VARA), positioning it at the intersection of traditional banking and digital-asset services. Its operating model relies entirely on a digital platform rather than a branch network, which is why its SWIFT directory is consolidated under one primary BIC instead of dozens of branch suffixes typical for larger UAE banks.
FAQ – Zand Bank SWIFT Codes
What is the main SWIFT code for Zand Bank?
The primary SWIFT code for Zand Bank P.J.S.C. is ZANDAEAA (or the 11-character version ZANDAEAAXXX). This code routes payments to Zand Bank’s head office in Dubai and is valid for all international transfers in any supported currency.
Can I use ZANDAEAA instead of ZANDAEAAXXX?
Yes. Both formats are valid. The 8-character version (ZANDAEAA) automatically defaults to the head office. Most international banking systems accept both, though some foreign banks’ payment platforms require exactly 11 characters – in which case use ZANDAEAAXXX.
Does Zand Bank have multiple branch SWIFT codes?
Zand Bank currently has two registered SWIFT codes: ZANDAEAAXXX (head office) and ZANDAEAA008 (operations branch). Both are located in Dubai. As a digital bank, Zand does not maintain physical retail branches across the other emirates, so a single SWIFT code is normally sufficient.
Where is Zand Bank’s head office located?
Zand Bank’s registered head office is at Emaar Square, Building 6, Level 1, P.O. Box 62593, Dubai, United Arab Emirates. This is the address used for all SWIFT-routed payments under the ZANDAEAAXXX code.
Is the SWIFT code different for AED vs. foreign currency accounts?
No. SWIFT code selection is independent of the currency held in the beneficiary account. The same code (ZANDAEAAXXX) serves accounts in AED, USD, EUR, GBP and any other currency Zand Bank supports. Currency identification happens through separate fields in the SWIFT MT103 message format.
How long does an international transfer to Zand Bank take?
Transfers via SWIFT typically reach Zand Bank within one to three business days, depending on the originating bank, the correspondent network and any compliance checks. AED transfers from other UAE banks usually arrive the same business day through the UAEFTS system.
Is Zand Bank regulated and safe for international transfers?
Yes. Zand Bank P.J.S.C. is fully licensed by the Central Bank of the UAE and is additionally licensed by the Dubai Virtual Assets Regulatory Authority (VARA) for digital-asset custody services. It is a recognised UAE financial institution and a valid recipient for international SWIFT transfers.
What happens if I use the wrong Zand Bank branch code?
The transaction will not fail. Zand Bank’s central clearing system receives all SWIFT messages regardless of branch suffix and automatically routes funds to the correct beneficiary account. Processing may be delayed by 24-48 hours, but no additional fees are charged for internal re-routing.
What is Zand Bank’s official SWIFT code according to the bank?
According to Zand Bank’s official Standard Settlement Instructions document (published on zand.ae), the official SWIFT code is ZANDAEAAXXX, with the registered address Emaar Square, Building 6, 1st Floor, Dubai, UAE, P.O. Box 62593.
Does Zand Bank offer digital asset and crypto-related services?
Yes. Zand Bank holds a Virtual Assets Custody licence from VARA (Licence number VL/2024/12/001) and provides regulated digital asset custody services alongside its standard banking products. International transfers in fiat currencies still use the standard SWIFT code ZANDAEAAXXX.
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 Zand Bank website (zand.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.
