Sharjah Islamic Bank IBAN Format: UAE Banking Standard Explained

Sharjah Islamic Bank (SIB) operates within the UAE's standardized IBAN (International Bank Account Number) framework. All UAE IBANs are 23 characters following ISO 13616 format.

SIB IBAN Structure

AE[2 check digits][3-digit bank code][16-digit account number]

Breakdown:

• AE — UAE country code (ISO 3166-1 alpha-2)
• 2 check digits — Mod-97 validation (calculated from full IBAN)
• 041 — Sharjah Islamic Bank's 3-digit bank identifier (Central Bank assigned)
• 16-digit account number — Customer's unique account, zero-padded left

Example

AE07 0410 0000 1234 5678 90

• 07 = check digits
• 041 = SIB bank code
• 00001234567890 = account number

Critical Usage Notes

1. Never guess check digits. They're mathematically derived. Wrong digits = rejected transfer.
2. Bank code is fixed. SIB = 041. Other UAE banks: ENBD=026, ADCB=030, FA=035, etc.
3. Account number ≠ card number. Debit/credit cards use different numbering (PAN).
4. Format for electronic use: Continuous string (AE07041000001234567890). For readability: groups of 4 (AE07 0410 0000 1234 5678 90).
5. SWIFT/BIC: SIB's is NBSHAEAS (required for international wires alongside IBAN).

Verification

Validate any UAE IBAN at: Central Bank of UAE IBAN Validator or IBAN.com.

Sharia Compliance Note

SIB operates under Islamic banking principles (no interest/Riba). Accounts are typically Mudarabah (profit-sharing) or Qard (current). IBAN structure identical to conventional UAE banks—only product terms differ.

Always confirm current IBAN with your branch or SIB's official channels before initiating transfers. Bank codes occasionally update with mergers/acquisitions.