IBAN format · AE
UAE IBAN format
The UAE IBAN format is defined by ISO 13616 and is fixed for every account opened in United Arab Emirates. A UAE IBAN is always 23 characters long and uses the structure pattern 3!n21!n: 3 digits (0–9), then 21 digits (0–9). The first two characters are the country code AE, the next two are MOD 97 check digits, and the remaining 19 characters form the BBAN, which United Arab Emirates divides into 2 fields. This page breaks down each field, shows a worked AE IBAN, and explains how the check digits are computed.
Structure breakdown
The United Arab Emirates BBAN (positions 5–23) is the country-specific part of the IBAN and is 19 characters long. United Arab Emirates splits it into 2 fields: Field 1 is 3 digits; Field 2 is 21 digits. The exact meaning of each field (bank code, branch, account number) is defined by United Arab Emirates's national registry and is stable, so a AE IBAN that matches the pattern and length is structurally valid even before the MOD 97 check.
The table below applies the 3!n21!n pattern to a real, MOD 97-valid United Arab Emirates IBAN (AE070331234567890123456). Each row shows one field of the IBAN — country code, check digits, then the BBAN fields in order — so you can see exactly how a AE IBAN is assembled. This is the same breakdown the IBAN validator produces when you paste a United Arab Emirates IBAN.
UAE IBAN check digits
Positions 3–4 of a United Arab Emirates IBAN hold two MOD 97-10 check digits. ISO 13616 computes them by rearranging the IBAN so the BBAN leads and the country code plus check digits trail, converting letters to numbers (A=10 … Z=35), and taking the giant resulting integer mod 97. The check digits are chosen so the whole IBAN leaves a remainder of 1. If any single character of a AE IBAN is mistyped, the remainder changes and validation fails — which is why the format checker on this page can flag a typo from one wrong digit.
What makes a UAE IBAN valid
A United Arab Emirates IBAN is structurally valid only when it passes three independent checks at once. First, the character set: the first two characters must be the letters AE, the next two must be digits, and the BBAN may contain only digits and uppercase letters. Second, the length: a AE IBAN must be exactly 23 characters, because United Arab Emirates fixes its BBAN at 19 characters and ISO 13616 fixes the country code and check digits at four. Third, the MOD 97 checksum. The 3!n21!n pattern adds one more layer — it confirms the BBAN splits into 2 fields of the right size and type, so a United Arab Emirates IBAN with the right total length but the wrong internal split still fails. This is why the format checker on this page is stricter than a generic length-only check.
Common UAE IBAN format mistakes
Most United Arab Emirates IBAN format errors come from a handful of avoidable mistakes. Pasting a domestic United Arab Emirates account number instead of the IBAN is the most common — the IBAN always starts with AE and is 23 characters, while a local account number is usually shorter and has no country prefix. Dropping or adding a character when copying from a statement is next; because the length is fixed, even one extra digit fails. Confusing the country code with a similar one (for example AE vs a neighbor) changes both the expected length and the check digits, so the whole IBAN fails. Finally, including spaces in the stored value is harmless for validation but can break payment forms that count characters literally — strip spaces before you submit a AE IBAN to a wire form.
UAE IBAN and SWIFT codes
When you send or receive an international payment to United Arab Emirates, the IBAN tells the network which account to credit, and the bank's SWIFT/BIC code tells it which bank holds that account. After checking the AE IBAN format here, open the United Arab Emirates SWIFT codes page to find the receiving bank's BIC and complete the wire instructions.