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ISO 13616 / ISO 7064 MOD-97-10 <1ms Edge Edge Compute

UAE IBAN Number (AE) Validator, Format & Bank Codes

A United Arab Emirates (AE) IBAN is 23 characters long: the country code AE, two MOD-97 check digits, then a 3n16n BBAN. Example: AE070330000000123456789. Transfers settle in AED.

Latency: <1ms Edge Availability: 99.99% Standard: ISO 13616 / AE In-Memory Execution
Interactive Edge Workbench

⚡ Live UAE IBAN Number (AE) Validator, Format & Bank Codes Interactive Workbench

Test real-time validation and schema parsing for UAE IBAN Number (AE) Validator, Format & Bank Codes directly in your browser. Runs in sub-5ms with zero setup.

32KB Demo Cap 60 req/min Burst <2ms V8 Compute Zero Data Retention
input.txt 0 B
output.json demo-ready
Status: Ready
{
  "status": "Click RUN VALIDATION to execute on the Cloudflare edge..."
}
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LLM / MCP
Prompt-Ready Specification for AI Agents llms.txt
Structured format rules and schemas optimized for LLM coding agents and Model Context Protocol tooling.
Raw .md
Official Standard & Validation Protocol Authority: SWIFT & ISO 13616 IBAN Registry ↗

Quick Summary: Instant Central Bank of the UAE MOD-97 checksum validation and bank code extraction for 23-character United Arab Emirates IBAN accounts. Validates strictly against ISO 13616 / ISO 7064 MOD-97-10 with sub-5ms in-memory response times.

Latency
<1ms Edge
Standard
ISO 13616 / AE
Version
Max Payload
512 KB
Privacy
In-Memory (0 bytes stored)

Specification & Structural Breakdown

Technical Summary: Validates strictly against ISO 13616 / ISO 7064 MOD-97-10. Payloads are parsed in memory and return clean, typed JSON in milliseconds with zero data logged.

In United Arab Emirates, the International Bank Account Number (IBAN) has a fixed length of 23 alphanumeric characters starting with the two-letter ISO 3166-1 alpha-2 country code 'AE', followed by two MOD-97 check digits.

The National Basic Bank Account Number (BBAN) follows the official pattern: 3n16n. The national bank code is located at BBAN character offset [0:3].

National IBAN transfers in United Arab Emirates (AE) are settled in AED.

Validation computes the ISO 7064 Modulo-97-10 checksum by transposing the first 4 characters to the end, converting letters to numeric digits (A=10, ..., Z=35), and calculating arithmetic integer modulo 97 (must equal 1).

A UAE IBAN is exactly 23 characters: the country code AE, two MOD-97 check digits, a 3-digit bank code assigned by the Central Bank of the UAE, and a 16-digit account number (structure AE2!n3!n16!n).

AttributeValueDescription
Country CodeAEISO 3166-1 alpha-2
Total IBAN Length23 charactersFixed standard length
BBAN Format3n16nNational structure (n=numeric, a=alpha, c=alphanumeric)
SEPA ZoneNoSEPA compliance status
Currency (ISO 4217)AEDNational settlement currency
Bank Code PositionBBAN Offset 0 (3 chars)National clearing code
Branch Code PositionN/ABranch identification
Full IBAN StructureAE2!n3!n16!nISO 13616 structure: k=check digits, n=numeric
Example IBANAE070330000000123456789Bank code 033, 16-digit account
Bank Code IssuerCentral Bank of the UAEAssigns 3-digit routing codes
Bank Identifier SourceCBUAE Entity ID registerCentral Bank of the UAE assigns 3-digit Bank Identifiers (UAEFTS clearing Entity IDs)
Bank Identifier 003Abu Dhabi Commercial Bank (ADCB)CBUAE Entity ID
Bank Identifier 020HSBC Bank Middle EastCBUAE Entity ID
Bank Identifier 022Commercial Bank International (CBI)CBUAE Entity ID
Bank Identifier 023Commercial Bank of Dubai (CBD)CBUAE Entity ID
Bank Identifier 024Dubai Islamic Bank (DIB)CBUAE Entity ID
Bank Identifier 026Emirates NBDCBUAE Entity ID
Bank Identifier 033MashreqCBUAE Entity ID
Bank Identifier 034Emirates IslamicCBUAE Entity ID
Bank Identifier 035First Abu Dhabi Bank (FAB)Successor to National Bank of Abu Dhabi in the CBUAE register
Bank Identifier 038National Bank of Fujairah (NBF)CBUAE Entity ID
Bank Identifier 040National Bank of Ras Al Khaimah (RAKBANK)CBUAE Entity ID
Bank Identifier 041Sharjah Islamic BankCBUAE Entity ID
Bank Identifier 044Standard CharteredCBUAE Entity ID
Bank Identifier 050Abu Dhabi Islamic Bank (ADIB)CBUAE Entity ID
Bank Identifier 057Ajman BankCBUAE Entity ID
Bank Identifier 097Al Maryah Community BankCBUAE Entity ID
VerificationConfirm against the CBUAE IBAN standard or your bankEntity IDs are assigned by the Central Bank of the UAE and can change with mergers

Parsed JSON Response Model

The edge microservice transforms input payloads into strongly-typed hierarchical JSON envelopes with sub-5ms latency:

HTTP 200 JSON Response Envelope
{
  "valid": true,
  "iban": "AE070330000000123456789",
  "countryCode": "AE",
  "countryName": "United Arab Emirates",
  "length": 23,
  "bban": "3n16n",
  "sepa": false,
  "checksumValid": true,
  "bankCode": "XXXX"
}

Copy-Paste Integration Code (6 Languages)

Integrate UAE IBAN Number (AE) Validator, Format & Bank Codes directly into your production application with native, zero-dependency code snippets in cURL, Node.js, Python, Go, C#, and a ready-to-paste Claude prompt. Get a free API key → (no credit card required):

curl --request POST \
  --url "https://api.stanzaapi.com/iban-validator/api/v1/iban/validate" \
  --header "Content-Type: application/json" \
  --header "x-api-key: YOUR_API_KEY" \
  --data '{
  "iban": "DE89370400440532013000"
}'
const response = await fetch("https://api.stanzaapi.com/iban-validator/api/v1/iban/validate", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "x-api-key": process.env.API_KEY || "YOUR_API_KEY"
  },
  body: JSON.stringify({
  "iban": "DE89370400440532013000"
})
});

const data = await response.json();
console.log(data);
import requests
import json

url = "https://api.stanzaapi.com/iban-validator/api/v1/iban/validate"
headers = {
    "Content-Type": "application/json",
    "x-api-key": "YOUR_API_KEY"
}
payload = {
    "iban": "DE89370400440532013000"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())
package main

import (
	"bytes"
	"fmt"
	"io"
	"net/http"
	"os"
)

func main() {
	url := "https://api.stanzaapi.com/iban-validator/api/v1/iban/validate"
	payload := []byte(`{"iban":"DE89370400440532013000"}`)

	req, _ := http.NewRequest("POST", url, bytes.NewBuffer(payload))
	req.Header.Add("Content-Type", "application/json")
	req.Header.Add("x-api-key", os.Getenv("API_KEY"))

	res, err := http.DefaultClient.Do(req)
	if err != nil {
		panic(err)
	}
	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)
	fmt.Println(string(body))
}
using System;
using System.Net.Http;
using System.Text;
using System.Threading.Tasks;

class Program
{
    static async Task Main()
    {
        using var client = new HttpClient();
        client.DefaultRequestHeaders.Add("x-api-key", Environment.GetEnvironmentVariable("API_KEY") ?? "YOUR_API_KEY");

        var json = @"{""iban"":""DE89370400440532013000""}";
        var payload = new StringContent(json, Encoding.UTF8, "application/json");

        var response = await client.PostAsync("https://api.stanzaapi.com/iban-validator/api/v1/iban/validate", payload);
        var content = await response.Content.ReadAsStringAsync();
        Console.WriteLine(content);
    }
}
Integrate the StanzaAPI iban-validator micro-API.

Endpoint: POST https://api.stanzaapi.com/iban-validator/api/v1/iban/validate
Auth header: x-api-key: YOUR_API_KEY
Content-Type: application/json
Request body:
{
  "iban": "DE89370400440532013000"
}

Rules:
- Send the request with a 2-second timeout.
- Parse the standard envelope { success, data, meta: { latency_ms, version } }.
- On failure, read { success: false, error, code } and branch on the code.
- Do not retry 4xx responses; surface the error code to the caller.
- Treat invalid-but-well-formed payloads as HTTP 200 with data.valid === false.

Frequently Asked Questions & Technical Notes

How many characters is an IBAN in United Arab Emirates?

An official IBAN in United Arab Emirates (AE) is exactly 23 characters in length. Any shorter or longer value fails ISO 13616 validation.

Is United Arab Emirates part of the SEPA payment network?

United Arab Emirates is not a SEPA participant and relies on SWIFT/BIC wire routing.

What currency are United Arab Emirates IBAN transfers settled in?

IBAN transfers for United Arab Emirates (AE) settle in AED, the national settlement currency. Cross-border SEPA transfers to United Arab Emirates may still be denominated in EUR where both banks support the scheme.

How is the MOD-97 check digit calculated for AE IBANs?

The first 4 characters are moved to the end, letters are converted to numbers (A=10 to Z=35), and the resulting number is evaluated with modulo 97 arithmetic. A valid IBAN yields a remainder of exactly 1.

How many digits is a UAE IBAN?

A UAE IBAN is 23 characters long: AE (2 letters), 2 MOD-97 check digits, a 3-digit bank code, and 16 account digits. The example AE070330000000123456789 uses bank code 033.

What is the IBAN structure and example for the UAE?

The ISO 13616 structure is AE2!n3!n16!n, for example AE070330000000123456789. The Central Bank of the UAE assigns the 3-digit bank code; the remaining 16 digits are the account number.

How do I find which bank a UAE IBAN belongs to?

The three digits after AE and the two check digits are the Bank Identifier. For example, 003 is Abu Dhabi Commercial Bank (ADCB), 026 is Emirates NBD, and 033 is Mashreq. The Central Bank of the UAE assigns these identifiers as Entity IDs in the UAEFTS clearing scheme; confirm the current mapping against the CBUAE IBAN standard or your bank before relying on it.

Related Global IBAN, BIC/SWIFT & Bank Routing Validator API Formats

Explore sibling specifications and standards in the same developer cluster:

Albania (AL) IBAN & Bank Routing Validator

Instant sub-1ms ISO 13616 MOD-97 checksum validation, BBAN decomposition, and bank routing extraction for Albania (AL) bank accounts.

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Andorra (AD) IBAN & Bank Routing Validator

Instant sub-1ms ISO 13616 MOD-97 checksum validation, BBAN decomposition, and bank routing extraction for Andorra (AD) bank accounts.

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Austria IBAN Validator & Bankleitzahl Checker (OeNB)

Instant MOD-97 validation for 20-character Austrian IBANs with 5-digit Bankleitzahl (BLZ) and 11-digit account number extraction.

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Free BBAN to IBAN Converter & National Account Calculator

Convert national Basic Bank Account Numbers (BBAN) and local clearing codes (Sort Codes, BLZ, RIB) into fully compliant international IBANs with calculated MOD-97 check digits.

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Azerbaijan (AZ) IBAN & Bank Routing Validator

Instant sub-1ms ISO 13616 MOD-97 checksum validation, BBAN decomposition, and bank routing extraction for Azerbaijan (AZ) bank accounts.

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Free Test IBAN Generator & Mock Bank Account Numbers

Instant, deterministic test IBAN generator producing mathematically valid bank account numbers with correct ISO 7064 MOD-97 check digits for payment gateway testing and CI/CD pipelines.

View Format →

Bosnia and Herzegovina (BA) IBAN & Bank Routing Validator

Instant sub-1ms ISO 13616 MOD-97 checksum validation, BBAN decomposition, and bank routing extraction for Bosnia and Herzegovina (BA) bank accounts.

View Format →

Kosovo (XK) IBAN & Bank Routing Validator

Instant sub-1ms ISO 13616 MOD-97 checksum validation, BBAN decomposition, and bank routing extraction for Kosovo (XK) bank accounts.

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Complementary Enterprise APIs

Seamlessly orchestrate data pipelines across adjacent financial, regulatory, and supply-chain protocols:

All Global IBAN, BIC/SWIFT & Bank Routing Validator API Formats & Specifications (89) Directory Index ↓
Andorra (AD) IBAN & Bank Routing Validator UAE IBAN Number (AE) Validator, Format & Bank Codes Albania (AL) IBAN & Bank Routing Validator Austria IBAN Validator & Bankleitzahl Checker (OeNB) Azerbaijan (AZ) IBAN & Bank Routing Validator Bosnia and Herzegovina (BA) IBAN & Bank Routing Validator Belgium (BE) IBAN & Bank Routing Validator Bulgaria IBAN Validator & BIC Bank Code Checker (BNB) Bahrain (BH) IBAN & Bank Routing Validator Burundi (BI) IBAN & Bank Routing Validator Brazil (BR) IBAN & Bank Routing Validator Belarus (BY) IBAN & Bank Routing Validator Switzerland IBAN Validator & Clearing Checker (SIC) Costa Rica (CR) IBAN & Bank Routing Validator Cyprus (CY) IBAN & Bank Routing Validator Czechia (CZ) IBAN & Bank Routing Validator Germany IBAN Validator & BLZ Checker (Bundesbank Mod-97) Djibouti (DJ) IBAN & Bank Routing Validator Denmark (DK) IBAN & Bank Routing Validator Dominican Republic (DO) IBAN & Bank Routing Validator Estonia (EE) IBAN & Bank Routing Validator Egypt (EG) IBAN & Bank Routing Validator Spain IBAN Validator & CCC Checker (Banco de España) Finland (FI) IBAN & Bank Routing Validator Falkland Islands (FK) IBAN & Bank Routing Validator Faroe Islands (FO) IBAN & Bank Routing Validator France IBAN Validator & RIB Checker (Banque de France) UK IBAN Validator & Sort Code Checker (Bacs & CHAPS) Georgia (GE) IBAN & Bank Routing Validator Gibraltar (GI) IBAN & Bank Routing Validator Greenland (GL) IBAN & Bank Routing Validator Greece (GR) IBAN & Bank Routing Validator Guatemala (GT) IBAN & Bank Routing Validator Croatia (HR) IBAN & Bank Routing Validator Hungary (HU) IBAN & Bank Routing Validator Ireland IBAN Validator & Sort Code Checker (BPFI) Israel (IL) IBAN & Bank Routing Validator Iraq (IQ) IBAN & Bank Routing Validator Iceland (IS) IBAN & Bank Routing Validator Italy IBAN Validator & ABI/CAB Checker (Banca d'Italia) Jordan (JO) IBAN & Bank Routing Validator Kuwait IBAN Validator & Bank Checker (CBK Mod-97) Kazakhstan (KZ) IBAN & Bank Routing Validator Lebanon (LB) IBAN & Bank Routing Validator Saint Lucia (LC) IBAN & Bank Routing Validator Liechtenstein (LI) IBAN & Bank Routing Validator Lithuania (LT) IBAN & Bank Routing Validator Luxembourg (LU) IBAN & Bank Routing Validator Latvia (LV) IBAN & Bank Routing Validator Libya (LY) IBAN & Bank Routing Validator Monaco IBAN Validator & Bank Code Checker (SEPA Mod-97) Moldova (MD) IBAN & Bank Routing Validator Montenegro (ME) IBAN & Bank Routing Validator North Macedonia (MK) IBAN & Bank Routing Validator Mongolia (MN) IBAN & Bank Routing Validator Mauritania (MR) IBAN & Bank Routing Validator Malta (MT) IBAN & Bank Routing Validator Mauritius (MU) IBAN & Bank Routing Validator Mozambique (MZ) IBAN & Bank Routing Validator Nicaragua (NI) IBAN & Bank Routing Validator Netherlands (NL) IBAN & Bank Routing Validator Norway (NO) IBAN & Bank Routing Validator Oman (OM) IBAN & Bank Routing Validator Pakistan (PK) IBAN & Bank Routing Validator Poland (PL) IBAN & Bank Routing Validator Palestine (PS) IBAN & Bank Routing Validator Portugal (PT) IBAN & Bank Routing Validator Qatar IBAN Validator & Bank Checker (QCB Mod-97-10) Romania (RO) IBAN & Bank Routing Validator Serbia (RS) IBAN & Bank Routing Validator Russia (RU) IBAN & Bank Routing Validator Saudi Arabia IBAN Validator & Bank Checker (SAMA Mod-97) Seychelles (SC) IBAN & Bank Routing Validator Sudan (SD) IBAN & Bank Routing Validator Sweden (SE) IBAN & Bank Routing Validator Slovenia (SI) IBAN & Bank Routing Validator Slovakia (SK) IBAN & Bank Routing Validator San Marino (SM) IBAN & Bank Routing Validator Sao Tome and Principe (ST) IBAN & Bank Routing Validator El Salvador (SV) IBAN & Bank Routing Validator Timor-Leste (TL) IBAN & Bank Routing Validator Tunisia (TN) IBAN & Bank Routing Validator Turkey (TR) IBAN & Bank Routing Validator Ukraine (UA) IBAN & Bank Routing Validator Vatican City (VA) IBAN & Bank Routing Validator British Virgin Islands (VG) IBAN & Bank Routing Validator Kosovo (XK) IBAN & Bank Routing Validator Free Test IBAN Generator & Mock Bank Account Numbers Free BBAN to IBAN Converter & National Account Calculator