UAE IBAN Validator

The UAE IBAN Validator confirms that a United Arab Emirates bank account number in IBAN format is structurally correct. It verifies the AE country code, the 23-character length, the 3-digit bank code, the 16-digit account number, and the full ISO 7064 MOD-97-10 checksum — all without sending a single character to a server.

The Central Bank of the UAE (CBUAE) mandates IBANs for all domestic and cross-border transfers, including the UAEFTS and instant-payment rails. A fast offline validator catches typos before they cause failed transfers in invoicing, payroll, and checkout flows.

How it works

A UAE IBAN follows a fixed structure from the SWIFT IBAN Registry:

• AE — the country code for the United Arab Emirates
• kk — 2 IBAN check digits (ISO 7064 MOD-97-10)
• bbb — 3-digit bank code assigned by the CBUAE
• 16 digits — the account number

Total: 23 characters, all digits in the BBAN.

The checksum follows ISO 13616 / ISO 7064 MOD-97-10:

1. Strip spaces and uppercase the string.
2. Move the first four characters (AE plus check digits) to the end.
3. Replace each letter with its 2-digit code: A = 10, E = 14.
4. Reduce the resulting integer modulo 97, folding progressively to avoid overflow.
5. The IBAN is valid if and only if the remainder equals 1.

Worked example

Take AE07 0331 2345 6789 0123 456:

• Country code: AE — United Arab Emirates
• Check digits: 07
• Bank code: 033 (Emirates NBD)
• Account: 1234567890123456

Moving AE07 to the end and expanding the letters produces a long numeric string that reduces to a MOD-97 remainder of 1, so the IBAN is structurally valid.

Changing any single digit in a valid IBAN almost always produces a remainder other than 1, which is why the checksum catches the vast majority of typos. Every character is processed locally — nothing is uploaded, logged, or transmitted.