Wio Bank SWIFT Code: WIOBAEAD
WIOBAEAD is the SWIFT/BIC code of Wio Bank in the UAE (head office: Abu Dhabi). Give it, together with the IBAN, to anyone sending money from abroad into an account there.
What WIOBAEAD means
A SWIFT code is an address for a bank, not for an account. Read it left to right:
Wio publishes the code in its 11-character form, WIOBAEADXXX, and labels it for FTS, the UAE’s domestic transfer system. Before you share it with someone abroad, check which receiving details the Wio app shows for international transfers into your account.
WIOBAEAD and WIOBAEADXXX are the same address. Use the 8-character version, and if the transfer form insists on 11 characters, add XXX at the end.
What the sender needs from you
- Your full name, spelled exactly as it appears on your account.
- Your IBAN: 23 characters, starting with AE. At Wio Bank, characters 5 to 7 are 086; if they aren't, the IBAN isn't for an account at this bank.
- The bank's name, Wio Bank, and its SWIFT code, WIOBAEAD.
Receiving dollars or euros
If your account is in dirhams, the bank converts incoming dollars or euros at its own rate when the money arrives, and banks along the route can take their fee out of the amount. Hold a USD or EUR account at Wio Bank? Ask the bank which details to give for that account before the sender pays. Our guide to receiving international payments in the UAE covers these deductions in detail.
Sending abroad from Wio Bank? Our Wio Bank international transfer guide covers fees, timing and cheaper alternatives.
Moving money within the UAE? Our guide to bank-to-bank transfers in the UAE walks through cut-off times, fees and the steps.
Frequently asked questions
Which bank is WIOBAEAD?
WIOBAEAD belongs to Wio Bank, whose head office is in Abu Dhabi, UAE.
Should I use 8 or 11 characters?
WIOBAEAD and WIOBAEADXXX are the same address. Use the 8-character version, and if the transfer form insists on 11 characters, add XXX at the end.
Does my branch need a different code?
To receive a transfer into a personal or business account, give the main code: your IBAN is what tells the bank which account to credit. If the bank gives you a different code for a specific account, use that one.
Is the SWIFT code the same as a routing number?
No. A UAE routing number is a 9-digit code used inside the country, for example for salary payments through WPS. Someone sending from abroad needs the SWIFT code and your IBAN, not the routing number.
How can I double-check a SWIFT code?
SWIFT runs a free BIC search on its own website, swift.com. You can also ask your bank which code it wants senders to use.