--- updatedAt: 2026-07-17T10:34:00.000Z agentTools: projectIndex: https://docs.dlocal.com/llms.txt --- # United Arab Emirates Learn everything you need to know to make payouts in United Arab Emirates with dLocal. [block:html] { "html": "\n \n
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Market specifications

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\n Country reference\n Document validations\n Mandatory paramenters\n\n
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Payment methods

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\n Bank transfers\n
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\n \n \n " } [/block] *** # Market specifications Do you want to know more information about the United Arab Emirates' market? Go to the [Expand Your Reach in Africa’s eCommerce Market](https://dlocal.com/payment-processors-middle-east-africa) article. | `country` code | `currency` code | `amount` decimals | `beneficiary.document.type` name | | :------------: | :-------------: | :---------------: | :------------------------------: | | `AE` | `AED` | 2 | ID | ## Document validations | Validation | Name | Length | Type | Example | | ---------- | ---- | -------- | ---------- | ------------------ | | Document | ID | 18 | characters | NNN-NNNN-NNNNNNN-N | | Document | PASS | up to 12 | characters | ABCD1234 | ## Mandatory parameters ### Bank transfers | Bank transfer parameters | B2C | B2B | | ---------------------------------- | :-: | :-: | | `external_id` | Yes | Yes | | `payment_method_id` | Yes | Yes | | `flow_type` | Yes | Yes | | `purpose` | Yes | Yes | | `country` | Yes | Yes | | `amount` | Yes | Yes | | `currency` | Yes | Yes | | `beneficiary.first_name` | Yes | - | | `beneficiary.last_name` | Yes | - | | `beneficiary.business_name` | - | Yes | | `beneficiary.document.type` | Yes | - | | `beneficiary.document.id` | Yes | - | | `beneficiary.birth_info.date` | Yes | - | | `beneficiary.nationality` | Yes | - | | `beneficiary.address.street` | Yes | Yes | | `beneficiary.address.city` | Yes | Yes | | `beneficiary.bank_account.branch` | Yes | Yes | | `beneficiary.bank_account.account` | Yes | Yes | *** # Payment methods The United Arab Emirates supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards. ## Bank transfers Bank transfers in the United Arab Emirates require detailed account information, including SWIFT code, address, city, and IBAN. The format of these fields depends on the receiving bank, and strict validation rules apply. Refer to the [document validations](#document-validations) section for ID and Passport format specifications. ### Mandatory parameters All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types. | Mandatory parameter | Description | | :--------------------------------- | :-------------------------------------------------------------------------------------------------------------------------------- | | `external_id` | Unique payout identification at the merchant's end. Maximum 100 characters. | | `payment_method_id` | Payment method identifier. For bank transfers, use `BANK_TRANSFER`. | | `flow_type` | Payout flow type. Valid values: `B2C` (Business to Consumer) or `B2B` (Business to Business). | | `purpose` | Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3). | | `country` | Country code. For the United Arab Emirates, use `AE`. | | `amount` | Payout amount in `AED`. Use up to 2 decimal places. | | `currency` | Source currency of the FX operation. For the United Arab Emirates, use `AED` or `USD`. Payouts are always paid in local currency. | | `beneficiary.first_name` | Beneficiary's first name. Maximum 50 characters. English and Arabic are supported. | | `beneficiary.last_name` | Beneficiary's last name. Maximum 50 characters. English and Arabic are supported. | | `beneficiary.business_name` | Beneficiary's business name. Mandatory only for B2B. English and Arabic are supported. | | `beneficiary.document.type` | Beneficiary's document type. Use `ID` for UAE national ID, `PASS` for Passport. | | `beneficiary.document.id` | Beneficiary's document number. For ID: NNN-NNNN-NNNNNNN-N, for PASS: up to 12 characters. | | `beneficiary.birth_info.date` | Beneficiary's date of birth in ISO 8601 format (YYYY-MM-DD). | | `beneficiary.nationality` | Beneficiary's nationality in ISO 3166-1 alpha-2 format. | | `beneficiary.address.street` | Beneficiary's street address. Maximum 35 characters. English and Arabic are supported. | | `beneficiary.address.city` | Beneficiary's city. Maximum 35 characters. English and Arabic are supported. | | `beneficiary.bank_account.branch` | SWIFT code. 8 or 11 alphanumeric characters in upper case. | | `beneficiary.bank_account.account` | IBAN number. All United Arab Emirates IBANs begin with 'AE' and are exactly 23 characters long. Ex: AE070331234567890123456. | ### Example request ```json Bank transfers - B2C { "external_id": "D832-4G0BCYRU3-2Y43E45", "payment_method_id": "BANK_TRANSFER", "flow_type": "B2C", "purpose": "OTHER_SERVICES", "country": "AE", "amount": 1000, "currency": "AED", "beneficiary": { "first_name": "Ayesha", "last_name": "Al Maktoum", "document": { "type": "ID", "id": "123-4567-8901234-5" }, "birth_info": { "date": "1985-05-15" }, "nationality": "AE", "address": { "street": "As Sulimaniyah", "city": "Riyadh" }, "bank_account": { "branch": "JANBAEAA", "account": "AE120016789012345678901" } } } ``` ```json Bank transfers - B2B { "external_id": "D832-4G0BCYRU3-OGX2IPE", "payment_method_id": "BANK_TRANSFER", "flow_type": "B2B", "purpose": "OTHER_SERVICES", "country": "AE", "amount": 5000, "currency": "AED", "beneficiary": { "business_name": "Dubai Trading LLC", "address": { "street": "Sheikh Zayed Road", "city": "Dubai" }, "bank_account": { "branch": "ALEHAEAD", "account": "AE070331234567890123456" } } } ```

## Bank codes These are the values the `beneficiary.bank_account.branch` parameter can take in UAE. | Bank Name | Bank Code | | :--------------------------------------------------------------- | :-------: | | AAFAQ ISLAMIC FINANCE P.S.C. | AIFPAEAD | | ABN AMRO BANK NV UNITED ARAB EMIRATES BRANCH | ABNAAEAA | | ABU DHABI COMMERCIAL BANK | ADCBAEAA | | ABU DHABI FUND FOR DEVELOPMENT | ADFDAEAA | | ABU DHABI INVESTMENT AUTHORITY | ADINAEAA | | ABU DHABI INVESTMENT COUNCIL | ADCNAEAA | | ABU DHABI ISLAMIC BANK | ABDIAEAD | | AD GLOBAL INVESTORS LIMITED | AGLIAEAA | | ADNOC GLOBAL TRADING LTD | ADGTAEAA | | AHLI UNITED BANK B.S.C | AUBBBHBM | | AHMED AL HUSSAIN EXCHANGE | AAHUAEAD | | AJMAN BANK PJSC | AJMNAEAJ | | AL AHLI BANK OF KUWAIT K.S.C.P, ABUDHABI BRANCH | ABKKAEAA | | AL AHLI BANK OF KUWAIT K.S.C.P, DUBAI BRANCH | ABKKAEAD | | AL ANSARI EXCHANGE LLC | ALANAEAA | | AL DAHAB EXCHANGE | DMTIAEAA | | AL FARDAN EXCHANGE | FEXEAEAA | | Al Gergawi Exchange LLC | AGXUAEAD | | AL HILAL BANK | HLALAEAA | | AL JARWAN MONEY EXCHANGE | JAEXAEAD | | AL KHALIJI FRANCE S.A. | LICOAEAD | | AL MAL CAPITAL PSC | AMCXAEAA | | AL MARYAH COMMUNITY BANK | E097AEXX | | AL ROSTAMANI INTERNATIONAL EXCHANGE | TCARAEAD | | ALFA EXCHANGE | ALEHAEAD | | ALFALAH EXCHANGE COMPANY | AFECAEAA | | ALFUAD EXCHANGE | ALFXAEAD | | ALKHAIR CAPITAL (DUBAI) LTD | ALKCAEAD | | ANGLO-GULF TRADE BANK | ANGTAEAD | | ARAB AFRICAN INTERNATIONAL BANK | ARAIAEAD | | ARAB BANK FOR INVESTMENT AND FOREIGN TRADE | ABINAEAA | | ARAB BANK PLC | ARABAEAD | | ARAB MONETARY FUND | BUNNAEAA | | ARAB TRADE FINANCING PROGRAM | ATFPAEAD | | ARAMEX PJSC FINANCIAL DEPARTMENT | ARMPAEAD | | ARQAAM CAPITAL LIMITED | ARQMAEAD | | AXIS BANK LIMITED | AXISAEAD | | AZADEA HOLDING COMPANY (DIFC) LIMITED | AZAEAEAD | | AZIZ EXCHANGE CO. LLC. | AZIZAEAD | | BANK ALFALAH LIMITED | ALFHAEAD | | BANK MELLI IRAN | MELIAEAD | | BANK OF BARODA | BARBAEAD | | BANK OF CHINA (DUBAI) BRANCH | BKCHAEAD | | BANK OF CHINA ABU DHABI BRANCH | BKCHAEAA | | BANK OF SHARJAH, THE | SHARAEAS | | BANK OF TOKYO | BOTKAEAD | | BANK SADERAT IRAN | BSIRAEAD | | BANKMED SAL | MEDLAEAD | | BANQUE BANORIENT FRANCE | BLOMAEAD | | BANQUE DE COMMERCE ET DE PLACEMENTS SA | BPCPAEAD | | BANQUE MISR | BMISAEAA | | BANQUE RICHELIEU GCC LIMITED | LIBLAEAA | | BARCLAYS BANK PLC | BARCAEAD | | BHM CAPITAL FINANCIAL SERVICES PSC | DBFSAEAA | | BLUE REWARDS SINGLE PERSON COMPANY L.L.C | FDPSAEAD | | BNP PARIBAS S.A., ADGM BRANCH | BNPAAEAE | | BNP PARIBAS, ABU DHABI | BNPAAEAA | | BNP PARIBAS, DUBAI | BNPAAEAD | | BOK INTERNATIONAL | BOKMAEAD | | BTA WEALTH MANAGEMENT LIMITED | BTWMAEAD | | CENTRAL BANK OF THE U.A.E. | CBAUAEAA | | CENTRAL BANK OF THE UAE | CBAUAEAB | | CHINA CONSTRUCTION BANK DIFC BRANCH | PCBCAEAD | | CITIBANK N.A. | CITIAEAD | | COMMERCIAL BANK INTERNATIONAL | CLBIAEAD | | COMMERCIAL BANK OF DUBAI | CBDUAEAD | | COMMERZBANK AG DUBAI BRANCH | COBAAEAD | | CORPORATE INTERNATIONAL BUSINESS FINANCE | CIBDAEA1 | | Credit Agricole Corporate and Investment Bank | BSUIAEAD | | CREDIT EUROPE BANK | FBHLAEAD | | DBS BANK LTD | DBSSAEAD | | DELMA EXCHANGE | DELXAEAA | | DESERT EXCHANGE | DEEXAEAD | | DEUTSCHE BANK AG, ABU DHABI | DEUTAEAA | | DINAR EXCHANGE | DNARAEAD | | DOHA BANK | DOHBAEAD | | DUBAI GOLD AND COMMODITIES EXCHANGE DMCC | DGCXAEAA | | DUBAI ISLAMIC BANK | DUIBAEAD | | ECOLOG INTERNATIONAL FZE | EIFEAEAD | | EFG HERMES UAE LLC | EFGHAEB1 | | EL-NILEIN BANK | NILBAEAA | | EMIRATES DEVELOPMENT BANK | EMDVAEAD | | EMIRATES GLOBAL ALUMINIUM P.J.S.C | EGAPAEAA | | Emirates India International Exchange | EIIEAEAD | | EMIRATES INVESTMENT BANK P.J.S.C. | AEINAEAD | | Emirates Islamic Bank PJSC | MEBLAEAD | | EMIRATES NBD BANK PJSC | EBILAEAD | | ES BANKERS DUBAI LIMITED | ESBDAEAD | | ETIHAD AIRWAYS | ETIHAEAD | | Federal Exchange | FEDXAEAA | | Finance House | FHOUAEAD | | FINANCE HOUSE P.J.S.C | FHOUAEAD | | First Abu Dhabi Bank PJSC | NBADAEAA | | First Gulf Bank | FGBMAEAA | | FRONTIER INVESTMENT MANAGEMENT PARTNERS LTD | FNMPAEAD | | GCC EXCHANGE | GCCEAEAD | | GENERAL PENSION AND SOCIAL SECURITY | GPSSAEAD | | GOVERNMENT OF DUBAI DEPARTMENT OF FINANCE | GDDFAEAD | | Gulf Express Exchange | GUEEAEAD | | GULF INTERNATIONAL BANK B.S.C. | GULFAEAA | | HABIB BANK AG ZURICH | HBZUAEAD | | HABIB BANK LIMITED | HABBAEAD | | HSBC BANK MIDDLE EAST LIMITED | BBMEAEAD | | ICICI BANK LIMITED | ICICAEAD | | IDBI BANK LTD | IBKLAEAD | | INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED, DUBAI(DIFC) | ICBKAEAD | | INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED-ABU DHABI BRANCH | ICBKAEAA | | INTESA SANPAOLO SPA | BCITAEAD | | INVEST AD | ADICAEAA | | INVESTBANK | IBTFAEAS | | ITTIHAD INTERNATIONAL INVESTMENT L.L.C. | IIICAEA1 | | JANATA BANK | JANBAEAA | | JOYALUKKAS EXCHANGE | JOEXAEAD | | KATOTA INVESTMENT SECTOR FZE | KISFAEA1 | | KEB HANA BANK ABUDHABI BRANCH | KOEXAEAD | | KHALIL AL FARDAN EXCHANGE | KHFEAEAD | | KOTAK MAHINDRA BANK LIMITED | KKBKAEAD | | LANDMARK RETAIL LIMITED | LANRAEAD | | LARI EXCHANGE | LAEEAEAA | | LLOYDS BANK | LOYDAEAD | | LULU INTERNATIONAL EXCHANGE | LULUAEAD | | MAJID AL FUTTAIM HOLDING LLC | MAFHAEAD | | MAMOURA DIVERSIFIED GLOBAL HOLDING P.J.S.C. | MUBDAEAA | | MASHREQBANK PSC | BOMLAEAD | | MATTEX DUBAI LLC | MATXAEAD | | MCB BANK LIMITED | MUCBAEAD | | MDC BUSINESS MANAGEMENT SERVICES LLC | MDCBAEAA | | MDC OIL AND GAS HOLDING COMPANY LLC | MOGHAEAA | | MERAAS HOLDING LLC | MEHLAEAD | | MIDIS SERVICES FZ-LLC | MIDVAEAA | | MIRABAUD LIMITED | MIRAAEAD | | MOBIS PARTS MIDDLE EAST FZE | HYMOAEA1 | | MULTINET TRUST EXCHANGE | MULXAEAE | | NASDAQ DUBAI LIMITED | DIFXAEAA | | National Bank of Abu Dhabi | NBADEGCA | | NATIONAL BANK OF BAHRAIN | NBOBAEAA | | NATIONAL BANK OF DUBAI | NBDUAEAD | | NATIONAL BANK OF FUJAIRAH | NBFUAEAF | | NATIONAL BANK OF KUWAIT | NBOKAEAD | | NATIONAL BANK OF OMAN | NBOMAEAD | | NATIONAL BANK OF RAS AL-KHAIMAH, THE | NRAKAEAK | | NATIONAL BANK OF UMM AL QAIWAIN PSC. | UMMQAEAD | | National Exchange Co. | NECXAEA1 | | NATIXIS DUBAI | NATXAEAD | | NOON.COM | NOONAEAD | | Noor Islamic Bank | NISLAEAD | | OCS INTERNATIONAL FINANCE LTD | OCIFAEAD | | OLA ENERGY SERVICES DMCC | OILBAEAD | | ONE FOODS HOLDINGS LIMITED | OFHLAEAD | | ORIENT EXCHANGE CO.(L.L.C.) | OECOAEAD | | PHOENIX GLOBAL DMCC | PGDMAEAD | | PUNJAB NATIONAL BANK | PUNBAEAD | | Rafidain Bank | RAFBAEAD | | REDHA AL ANSARI EXCHANGE | RAECAEAD | | REYL FINANCE LTD | REYLAEAD | | RUYA COMMUNITY ISLAMIC BANK | E132AEXX | | Sajwani Exchange | SAJWAEAD | | SAMBA Financial Group | SAMBSARI | | SHARJAH ISLAMIC BANK | NBSHAEAS | | SHINHAN BANK CO LTD. DUBAI BRANCH | SHBKAEAD | | SHUAA CAPITAL PSC | SHCPAEAD | | SIRAJ FINANCE PJSC | SRAJAEAA | | SOCIETE GENERALE DIFC BRANCH | SOGEAEAD | | STANDARD CHARTERED BANK | SCBLAEAD | | STATE BANK OF INDIA | SBINAEAD | | SUMITOMO MITSUI BANKING CORPORATION | SMBCAEAD | | TABARAK INVESTMENT CAPITAL LIMITED | TIBIAEAD | | TABRA AND AL NEBAL EXCHANGE | TBRAAEA1 | | The Royal Bank Of Scotland N.V. | ABNAAEAD | | THE SAUDI NATIONAL BANK DIFC BRANCH | SAMBAEAC | | THE SAUDI NATIONAL BANK DUBAI BRANCH | SAMBAEAD | | UNATRAC HOLDING LIMITED | UNTRAEAD | | UNION BANK OF INDIA DIFC BRANCH | UBINAEAD | | UNITED ARAB BANK | UARBAEAA | | UNITED BANK LTD. | UNILAEAD | | UNIVERSAL EXCHANGE CENTER | UECEAEAD | | WALL STREET EXCHANGE CENTRE LLC | WSEEAEAD | | WEBBEDS | WEBLAEAD | | WIO BANK P.J.S.C. | WIOBAEAD | | WOORI BANK DUBAI BRANCH | HVBKAEAD | | WORLDWIDE CASH EXPRESS LIMITED | WWCEAEAA | | ZAND BANK P.J.S.C. | ZANDAEAA |