Answers to the most frequently asked questions


The IBAN is an international standard for identifying bank accounts and its main purpose is to improve the speed and accuracy of your payment transactions.

The Central Bank regulation is effective from 19th November 2011, whereby all banks in the UAE are required to provide an IBAN for all instructions for the value date on or after 19th November 2011 when making payments from or receiving payments to your account.

Click here to generate your IBAN

Disclaimer: Please ensure to carefully enter your correct and valid ADCB 12 or 14 digit account number in order to generate your correct and valid IBAN. ADCB will not be liable for any damages and /or losses whatsoever resulting from entering an incorrect or an invalid account number, IBAN number and/or any other data or information entry, which shall be at your sole responsibility and risks.

For further information regarding IBAN, you may refer to the below FAQ;

What does IBAN mean and why do I need it?

The International Bank Account Number (IBAN) has been has been introduce to standardize the identification of bank account numbers in the UAE. It’s main purpose is to facilitate automatic processing of money transfers and to improve the speed and accuracy of your payment transactions. IBAN will be used for all Inward and Outward remittances to and from the UAE and for salary payments through Wages Protection Systems (WPS)

How can I get my IBAN for my ADCB accounts?

You can obtain your IBAN from any of the below channels. In addition, you IBAN will also automatically appear in your monthly Account Statement. 
• Visit to generate your own IBAN
• Login to ADCB Personal Internet Banking to view your IBAN
• Visit your nearest ADCB branch and ask any of our Customer Service Staff

Do I need an IBAN for all my accounts with ADCB?

Yes, IBAN is needed for each current, savings and/or call account you hold ADCB. IBAN is not needed for fixed deposits or credit cards.

Do I need to mention my IBAN and the IBAN of my beneficiary when initiating a payment?

Yes, both your IBAN and your beneficiary’s IBAN is require (Unless your beneficiary stays in a Country where IBAN is not applicable)

What happens if IBAN is not quoted when receiving payments?

Starting 19 November, 2011, a valid IBAN number must be provided otherwise payments may be delayed or rejected.

Do we need to quote IBAN for account transfers between two ADCB accounts?

If both the Debit and Credit accounts are within ADCB, please continue to use the standard ADCB bank account numbers.

Do I have to inform my employer about my IBAN?

Please request your employer to use your IBAN when making payments to your account.

Do we need to provide IBAN for salary payment instructions via WPS?

Yes, IBAN is required for all salary payments that are made via Wages Protection System.

Do I have to inform my overseas remitters to quote my IBAN as well?

Please request your remitters to make all your payments to your IBAN account number.

Will I be charged if I fail to provide my IBAN or my remitter’s IBAN while making any payment transfers?

As of now, there are no additional charges other than the standard transaction processing fee. If any charges arise in the future, ADCB will communicate the same accordingly.

Do I need to amend my standing instructions with ADCB?

Yes , if the beneficiary account of your standing instruction is in bank in UAE you have to update the beneficiary account IBAN by visiting any of ADCB branches or by contacting your relationship manager.

Do I need to amend my internet banking payment(s)?

Yes , if the beneficiary account of your payment is in bank in UAE you have to update the beneficiary account IBAN by visiting ADCB@ctive online banking.

What is UAEFTS?

UAEFTS stands for UAE Funds Transfer System. It is the new UAE Central Bank portal to be used for execution of all Inward and Outward AED payments within UAE.

What is the benefit of UAEFTS?

The system functions as Real Time Gross Settlement System which enables execution of transactions much faster as compared to the current system.

Will the transfer be affected if the beneficiary name and IBAN does not match as per beneficiary Bank's records?

As mandated by UAE Central Bank all local AED transfers will be credited to beneficiary solely on the basis of IBAN. Beneficiary name / other details will not be validated. You are requested to provide correct IBAN of the beneficiary on the application.

What additional information is required from the customer?

As mandated by UAE Central Bank, remitter should provide the ""TRANSACTION TYPE" along with the "REF" of remittance (Details/Purpose of remittance such as Payment against Invoice No, Salary for the month, etc.) as additional details. In the absence of these details UAE Central Bank will not accept

What if the details with respect to TRANSACTION TYPE are not provided by the customer?

Post 14th April 2012 (including late submissions of 12th April), omission of the details with respect to TRANSACTION TYPE will lead to rejection of messages by UAE Central Bank.

Can TT requests be submitted over letter head of the company?

Yes, letter head of company can be used for execution of transfers; however you need to ensure to mention the TRANSACTIPN TYPE and REFERENCE NO for processing the request as these are mandatory fields. Applications without this information will not be processed and would be returned.