When you’re receiving money from abroad (or sending an international transfer), the Mashreq Bank swift code is the key identifier that routes funds to the correct bank in the SWIFT network. In this guide, you’ll find Mashreq’s commonly used SWIFT/BIC format, how to confirm the exact code for your account, and the details you should share to avoid delays or returned payments.
What is a SWIFT code (BIC) and why do you need it?
A SWIFT code (also called a BIC—Bank Identifier Code) is an international bank identifier used for cross-border payments. It tells the sending bank:
- Which bank should receive the funds (Mashreq Bank)
- Which country and city the bank is registered in
- Sometimes, which branch should handle the transfer (via an optional branch code)
Most SWIFT codes are 8 or 11 characters:
- 8 characters = bank + country + location
- 11 characters = 8-character BIC + branch code (often XXX for head office)
For a deeper standard-level explanation, see SWIFT’s BIC (Bank Identifier Code) standard.
Mashreq Bank SWIFT code (UAE): full list you’ll commonly use
Mashreq’s SWIFT/BIC is typically provided in either 8-character or 11-character form. Many incoming transfer forms accept either format, but some banks require the 11-character version.
| Bank | SWIFT/BIC (8 characters) | SWIFT/BIC (11 characters) | Country | Typical use |
|---|---|---|---|---|
| Mashreq Bank PJSC | BOMLAEAD | BOMLAEADXXX | United Arab Emirates | International transfers (general / head office routing) |
Important: If the sending bank asks for a “branch SWIFT code,” Mashreq may provide an 11-character code where the last 3 characters identify a branch/department. If you don’t have a specific branch code, XXX is commonly used for the main office routing. Always confirm with Mashreq or your account documents for your exact requirements.
How to find (and verify) your Mashreq SWIFT code
1) Check your IBAN letter / account details
Your account’s IBAN confirmation letter, account opening documents, or official bank certificate often includes the SWIFT/BIC along with your IBAN and bank address.
2) Use Mashreq online banking or app account details
In many banks, your “Account details” or “Receive money” section displays the SWIFT/BIC for international incoming transfers. If you can’t find it, use the in-app help/chat to request the SWIFT code for your specific account.
3) Confirm with Mashreq support (best for exact branch/department codes)
If you’re unsure whether you need BOMLAEAD or an 11-character branch code, confirm via Mashreq Bank customer support before the sender initiates the transfer.
What details to give the sender (so the transfer doesn’t bounce)
Along with the Mashreq Bank SWIFT code, provide these details exactly as shown in your bank records:
- Beneficiary name (must match your Mashreq account name)
- IBAN (for UAE accounts)
- Bank name: Mashreq Bank PJSC
- SWIFT/BIC: BOMLAEAD (or BOMLAEADXXX if required)
- Beneficiary address (sometimes requested by foreign banks)
- Purpose of transfer (salary, family support, invoice payment, etc., depending on the sending country’s rules)
SWIFT vs IBAN: what’s the difference?
IBAN identifies your specific account number in a standardized international format, while SWIFT/BIC identifies the bank. For many UAE transfers, you need both.
If you’re comparing how different UAE banks publish SWIFT codes, you can also see our reference for Emirates Islamic Bank SWIFT code to understand how 8- and 11-character codes are typically shown.
Common mistakes that cause delays (and how to avoid them)
- Using the wrong beneficiary name: Write your name exactly as it appears in Mashreq records.
- Missing IBAN: Many sending banks won’t process UAE transfers without the IBAN.
- Wrong or incomplete SWIFT format: If the sender’s form rejects 8 characters, use BOMLAEADXXX.
- Mixing up banking identifiers: A customer identifier (like a CIF/RIM) is not a SWIFT code. If you’re seeing “RIM” in your banking profile, read what it means in our guide to RIM number in banking.
FAQs: Mashreq Bank SWIFT code
What is Mashreq Bank’s SWIFT code?
Mashreq Bank’s commonly used SWIFT/BIC is BOMLAEAD. Some transfer forms require the 11-character version BOMLAEADXXX.
Is BOMLAEAD the same as BOMLAEADXXX?
They refer to the same bank identifier base. BOMLAEAD is the 8-character BIC, and BOMLAEADXXX adds a branch code (XXX is commonly used for head office routing). If the sender’s bank requires 11 characters, use the XXX version unless Mashreq gives you a different branch/department code.
Do I need a branch SWIFT code for Mashreq?
Usually, no—many international transfers work with the 8-character BIC. However, some sending banks require an 11-character code, or Mashreq may advise a department-specific code for certain payment types. When in doubt, confirm with Mashreq support.
Can I receive an international transfer to Mashreq using only SWIFT?
Typically you’ll need SWIFT + IBAN. SWIFT identifies Mashreq; IBAN identifies your exact account.
Is the SWIFT code the same for Mashreq Neo accounts?
Mashreq Neo accounts are Mashreq accounts, so the SWIFT/BIC used for international routing is generally the Mashreq SWIFT. Still, always verify in your account details or with customer support before sharing it with an overseas sender.
Quick checklist to share with the sender
Before the sender hits “Send,” confirm they have:
- Mashreq SWIFT/BIC: BOMLAEAD (or BOMLAEADXXX)
- Your IBAN (UAE)
- Your full name exactly as per account
- Correct transfer purpose/details as required by the sending bank
Getting these details right the first time can reduce compliance queries, processing delays, and return charges.
