# UAE IBAN Number (AE) Validator, Format & Bank Codes
> Instant Central Bank of the UAE MOD-97 checksum validation and bank code extraction for 23-character United Arab Emirates IBAN accounts.

- **Canonical URL:** https://stanzaapi.com/tools/iban-validator/country/united-arab-emirates-ae
- **Governing Standard:** ISO 13616 / ISO 7064 MOD-97-10 (SWIFT & ISO 13616 IBAN Registry)
- **Latency:** <1ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
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).

## Specification Matrix
| Attribute | Value | Description |
| --- | --- | --- |
| Country Code | AE | ISO 3166-1 alpha-2 |
| Total IBAN Length | 23 characters | Fixed standard length |
| BBAN Format | 3n16n | National structure (n=numeric, a=alpha, c=alphanumeric) |
| SEPA Zone | No | SEPA compliance status |
| Currency (ISO 4217) | AED | National settlement currency |
| Bank Code Position | BBAN Offset 0 (3 chars) | National clearing code |
| Branch Code Position | N/A | Branch identification |
| Full IBAN Structure | AE2!n3!n16!n | ISO 13616 structure: k=check digits, n=numeric |
| Example IBAN | AE070330000000123456789 | Bank code 033, 16-digit account |
| Bank Code Issuer | Central Bank of the UAE | Assigns 3-digit routing codes |
| Bank Identifier Source | CBUAE Entity ID register | Central Bank of the UAE assigns 3-digit Bank Identifiers (UAEFTS clearing Entity IDs) |
| Bank Identifier 003 | Abu Dhabi Commercial Bank (ADCB) | CBUAE Entity ID |
| Bank Identifier 020 | HSBC Bank Middle East | CBUAE Entity ID |
| Bank Identifier 022 | Commercial Bank International (CBI) | CBUAE Entity ID |
| Bank Identifier 023 | Commercial Bank of Dubai (CBD) | CBUAE Entity ID |
| Bank Identifier 024 | Dubai Islamic Bank (DIB) | CBUAE Entity ID |
| Bank Identifier 026 | Emirates NBD | CBUAE Entity ID |
| Bank Identifier 033 | Mashreq | CBUAE Entity ID |
| Bank Identifier 034 | Emirates Islamic | CBUAE Entity ID |
| Bank Identifier 035 | First Abu Dhabi Bank (FAB) | Successor to National Bank of Abu Dhabi in the CBUAE register |
| Bank Identifier 038 | National Bank of Fujairah (NBF) | CBUAE Entity ID |
| Bank Identifier 040 | National Bank of Ras Al Khaimah (RAKBANK) | CBUAE Entity ID |
| Bank Identifier 041 | Sharjah Islamic Bank | CBUAE Entity ID |
| Bank Identifier 044 | Standard Chartered | CBUAE Entity ID |
| Bank Identifier 050 | Abu Dhabi Islamic Bank (ADIB) | CBUAE Entity ID |
| Bank Identifier 057 | Ajman Bank | CBUAE Entity ID |
| Bank Identifier 097 | Al Maryah Community Bank | CBUAE Entity ID |
| Verification | Confirm against the CBUAE IBAN standard or your bank | Entity IDs are assigned by the Central Bank of the UAE and can change with mergers |

## Standard JSON Response Model
```json
{
  "valid": true,
  "iban": "AE070330000000123456789",
  "countryCode": "AE",
  "countryName": "United Arab Emirates",
  "length": 23,
  "bban": "3n16n",
  "sepa": false,
  "checksumValid": true,
  "bankCode": "XXXX"
}
```

## Frequently Asked Questions & Edge Cases
### Q: How many characters is an IBAN in United Arab Emirates?
**A:** An official IBAN in United Arab Emirates (AE) is exactly 23 characters in length. Any shorter or longer value fails ISO 13616 validation.

### Q: Is United Arab Emirates part of the SEPA payment network?
**A:** United Arab Emirates is not a SEPA participant and relies on SWIFT/BIC wire routing.

### Q: What currency are United Arab Emirates IBAN transfers settled in?
**A:** 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.

### Q: How is the MOD-97 check digit calculated for AE IBANs?
**A:** 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.

### Q: How many digits is a UAE IBAN?
**A:** 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.

### Q: What is the IBAN structure and example for the UAE?
**A:** 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.

### Q: How do I find which bank a UAE IBAN belongs to?
**A:** 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.