National Bank of Fujairah is best known as a business bank — a large share of its relationships are corporate and SME accounts, not the app-first retail crowd. That shows in its international transfers, too: unlike some UAE banks, NBF hasn't marketed a branded instant-remittance product like DirectRemit or QuickRemit. What it offers instead is a straightforward SWIFT-based transfer through online banking, which is exactly what most business payments actually need. Here's how it works for both personal and business customers.
How NBF handles international transfers
NBF sends money abroad the traditional way: a SWIFT wire initiated through its online or mobile banking, reaching any bank with a valid SWIFT/BIC code worldwide. There's no fast-track wallet-payout product publicly marketed alongside it — if you need one of those for personal remittances, that's worth knowing before you open an account expecting one.
NBF also operates NBF Islamic, offering Sharia-compliant accounts and transfers under the same SWIFT code as the conventional bank.
How to send an international transfer from NBF
- In NBF's online or mobile banking, open Payments → International Transfer.
- Add the recipient as a beneficiary: full name and address, account number or IBAN, and the receiving bank's SWIFT/BIC code.
- Enter the amount, review the rate and fee shown, add a purpose if asked, and confirm.
Receiving into an NBF account from abroad? The sender needs NBF's SWIFT code, NBFUAEAF — our page shows where it goes.
Fees, timing and the exchange rate
NBF applies an outward-transfer fee that varies by payment type and destination, and correspondent banks in the chain can deduct their own charge. Check the current fee in NBF's schedule of charges rather than assuming a figure — it changes.
A standard SWIFT transfer typically reaches the destination bank within one to three working days, later if sent after the daily cut-off or over the UAE's Saturday–Sunday weekend.
The fee is only the visible part of the cost. The exchange-rate margin is the other, often larger, half:
Judge the transfer on the amount that actually arrives, fee and rate combined.
NBF vs an exchange house or app
NBF is a solid choice for large or business payments — trade finance, supplier settlements, or transfers where a bank's audit trail matters. For routine personal remittances to the big corridors, though, licensed exchange houses like Al Ansari and LuLu, and apps like Wise, typically deliver more for the same money — and offer the fast wallet-payout options NBF doesn't.
Compare the amount received in our live tool, or on a route page like AED to INR. Sending a large business payment? See our guide to transferring large sums from the UAE.
Transferring with a different bank?
See how other UAE banks run theirs: Commercial Bank of Dubai, RAKBank, FAB, or Mashreq.