If you are sending money to or from the UAE, you must have accurate financial details, especially the FAB (NBAD) SWIFT Code and Routing information. Whether you’re completing an international transfer or receiving payments from abroad, using the correct banking identifier ensures that funds reach your First Abu Dhabi Bank account without delay.
Many users still refer to the NBAD SWIFT code, as NBAD merged with FAB to become the largest financial institution in the UAE. Alongside transfer-related details, an understanding of the NBAD balance inquiry process also helps account holders manage their routine banking easily.
This post explains the current SWIFT and routing code details, the impact of the NBAD–FAB merger, and how to find the correct code for your bank transfers.
About FAB and NBAD
First Abu Dhabi Bank (FAB) was formed in 2017 after a merger between NBAD and First Gulf Bank. NBAD was one of the UAE’s most established banks. The merger made FAB the largest bank in the country by assets. It also expanded FAB’s global presence.
Many people still refer to the NBAD SWIFT code, which remains valid under FAB. The merger improved services but kept key banking identifiers the same. This is important when using the correct FAB SWIFT or routing code for transfers.
What is a SWIFT Code?
A SWIFT code is used to identify a specific bank during international money transfers. It helps send funds securely and accurately between banks in different countries.
- A SWIFT code is also known as a BIC (Bank Identifier Code).
- It is used for international transfers, not local UAE transfers.
- The code is made up of 8 or 11 characters and includes:
- Bank – 4 letters (e.g. NBAD)
- Country – 2 letters (e.g. AE for UAE)
- Location – 2 letters or digits (e.g. AA)
- Branch – optional 3 characters for specific branches
Example: NBADAEAA is the FAB SWIFT code used by most UAE branches.
FAB Bank SWIFT Code
If you’re receiving money from outside the UAE into your First Abu Dhabi Bank (FAB) account, you must use the correct SWIFT code. This ensures the funds are directed to the right bank without delay.
This is the official SWIFT code for most FAB branches across the UAE.
NBADAEAA
Some systems display an extended version.
NBADAEAAXXX
What the Code Means
- NBAD – Bank
- AE – Country (United Arab Emirates)
- AA – Location (Abu Dhabi Head Office)
When to Use It
Use this code when:
- Receiving international transfers in USD, EUR, GBP, or other foreign currencies
- Sharing your bank details with overseas clients or employers
- Linking FAB accounts to platforms like PayPal or Wise.
NBAD Bank SWIFT Code (Pre-Merger)
Before the merger, National Bank of Abu Dhabi (NBAD) used the SWIFT code NBADAEAA for all international transactions. This identifier was linked to NBAD’s head office in Abu Dhabi and was widely used by individual and business customers.
After the 2017 merger with First Gulf Bank, NBAD’s accounts were moved to First Abu Dhabi Bank (FAB). However, the same code remains active and valid for all transfers. Customers with old NBAD accounts can still use NBADAEAA without making any changes, and this applies across all types of NBAD bank accounts that were migrated under FAB.
There is no need to update the SWIFT code unless FAB officially assigns a branch-specific alternative. Always verify with your bank if you’re unsure.
What is a Routing Code?
A routing code is used to identify banks for local transfers within the UAE. It ensures the money goes to the correct bank and branch during domestic transactions.
- Routing information is used for local UAE transfers, not for international payments.
- They help process payments within the country’s clearing system.
- Every bank has a unique routing number for each branch.
- These codes are used for salary transfers, bill payments, and account-to-account transfers.
- Unlike SWIFT, a routing code is not used across borders.
- You can find your FAB routing code on your bank statement or through online banking.
FAB Bank Routing Code
FAB routing codes are used for local transfers within the UAE. Each branch has its own identification number to help direct payments accurately. You can find your FAB routing code by:
- Checking your account statement
- Using the FAB mobile app
- Calling FAB customer support
- Visiting the FAB website
Routing codes are for domestic transfers only. For international payments, use the SWIFT number instead.
How to Find the Correct Code for Your FAB Account
To avoid failed or delayed transfers, always confirm the correct SWIFT or routing code for your FAB account. You can find the code by:
- Logging into your FAB mobile or online banking
- Checking your monthly account statement
- Visiting your nearest FAB branch
- Calling FAB customer care at 600 52 5500
- Using the FAB website under branch details
Verify the code before sharing it for salary transfers, remittances, or business payments. Those who apply for an NBAD current or savings account typically receive these details during their onboarding process.
