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Sending money abroad -  IBAN list

Here is a list of the countries that require an IBAN for an International Payment to be processed. IBAN stands for International Bank Account Number. It is a unique code that identifies an individual bank account.

Andorra
Austria
Bahrain
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Faroe Islands
Finland
France
Georgia
Germany
Gibraltar
Greece
Greenland
Hungary
Iceland
Ireland
Isle of Man
Israel
Italy
Jordan (wef 01/02/14)
Kuwait
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macedonia
Malta
Moldova
Monaco
Montenegro
Netherlands
Norway
Pakistan
Palestine
Poland
Portugal
Qatar
Romania
San Marino
Saudi Arabia
Slovakia
Slovenia
Spain
Sweden
Switzerland
Tunisia
Turkey
United Arab Emirates
United Kingdom

Reason for payment

As part of their regulations banks in certain countries including Jordan, Pakistan, Philippines and United Arab Emirates require a reason for your payment.

Below is a list of valid reasons for payment. Please choose a code and copy it into “Payment reference for recipient” box if you are making a payment to one of these countries.

You must ensure you provide a reason for payment to avoid any delays.

Code Purpose
0101 Invoice Payment & Purchase
0102 Utility Bill Payment
0103 Prepaid Cards Recharging
0104 Standing Orders
0105 Personal Donations
0106 Family Assistance and Expenses
0107 Individual Social Security Subscription
0108 Associations Subscriptions
0109 Saving and Funding Account
0110 Heritance
0111 End of Service indemnity
0201 Public Sector Employees Salaries
0202 Labourers Salaries
0203 Private Sector Staff Salaries
0204 Jordanian Diplomatic Staff Salaries
0205 Foreign Diplomatic Salaries
0206 Overseas Incoming Salaries
0207 Civil / Military Retirement Salaries
0208 Social Security Retirement Salaries
0209 Establishment Social Security Subscription
0301 Investment Revenues
0302 Brokerage Investment
0303 Insurance
0304 Subscriptions to international nonmonetary organisations
0305 Local Investment
0306 External Investment
0307 Tender bond Guarantee
0401 Air Freight
0402 Land Freight
0403 Sea Freight
0404 Travel and Tourism
0501 Governmental Delegation Transfers
0502 Private Sector Delegation Transfers
0503 Governmental Education
0504 Private Sector Education
0601 Public Sector Exportation
0602 Private Sector Exportation
0603 Public Sector Importation
0604 Private Sector Importation
0701 Religious Communities Aid
0702 International Communities Aid
0703 Arab Communities Aid
0704 UN Aid
0705 Charity Communities Aid
0801 Telecommunication Services
0802 Financial Services
0803 Information Technology Services
0804 Consulting Services
0805 Construction Services
0806 Maintenance & Assembling Services
0807 Marketing and Media Services
0808 Mining Services
0809 Medical & Health Services
0810 Cultural, Educational & Entertainment Services
0811 Rental Expenses
0812 Real Estate
0813 Taxes
0814 Fees
0815 Commissions
0816 Franchise and License Fees
0817 Cheque Collection
0818 Membership Fees
0901 Municipality Funds
0902 Government Funds
0903 Private Sector Funds
0904 External Incoming Funds
1001 International Communities and Embassies Remittances
1002 Permanent Diplomatic Missions
1003 Temporary Diplomatic Missions
1004 Jordanian Embassies Income
1101 Long-Term Loans Instalments / Public Sector
1102 Long-Term Loans interest Instalments / Public Sector
1103 Short-Term Loans Instalments / Public Sector
1104 Short-Term Loans interest Instalments / Public Sector
1105 Long-Term Loans Instalments / Private Sector
1106 Long-Term Loans interest Instalments / Public Sector
1107 Short-Term Loans Instalments /Private Sector
1108 Short-Term Loans interest Instalments / Private Sector
1109 loans Instalments Against Governmental Guarantee
1110 Loans Interest Instalments Against Governmental Guarantee
1111 Credit Card Payment
1112 Personal Loan Payment
1201 Rerouting
1202 Scientific Research Support

Code / Purpose
Charitable Donation
Commission
Expenses
Family maintenance
Fees
Fx Ccy Non-Res Deposit
Gift
Grant
Holiday
Hotel
House Purchase Non-Resident
House Purchase Resident
Inheritance
Invoice
Loan
Medical
Mortgage payment
Other – Please specify
Own account transfer
Pension
Personal transfer
Purchase of shares
Relocation
Rent
Salary
School fees
Tax
Wages
Code Purpose
GDE Goods sold (Exports in fob value)
GDI Goods bought (Imports in cif value)
STS Sea transport
ATS Air transport
OTS Other modes of transport (including postal and courier services)
STR Travel
GMS Processing repair and maintenance services on goods
SCO Construction
INS Insurance services
FIS Financial services
IPC Charges for the use of intellectual property royalties
TCS Telecommunications services
ITS Computer services
IFS Information services
RDS Research and development services
PMS Professional and management consulting services
TTS Technical, trade-related and other business services
PRS Personal, cultural, audio-visual and recreational services
IGD Dividends intragroup
IID Interest on debt intragroup
PIP Profits on Islamic products
PRR Profits or rents on real estate
DOE Dividends on equity not intragroup
ISH Income on investment funds shares
ISL Interest on securities more than a year
ISS Interest on securities less than a year
IOL Income on loans
IOD Income on deposits
GOS Government goods and services embassies etc.
GRI Government related income taxes, tariffs, capital transfers, etc.
CHC Charitable Contributions (Charity and Aid)
FAM Family Support (Workers' remittances)
SAL Salary (Compensation of employees)
PPA Purchase of real estate abroad from residents
PPL Purchase of real estate in the UAE from non-residents
CEA Equity and investment fund shares for the establishment of new company from residents abroad, equity of merger or acquisition of companies abroad from residents and participation to capital increase of related companies abroad
DSF Debt instruments intragroup foreign securities
REL Reverse equity share in the UAE
RDL Reverse debt instruments in the UAE
FSA Equity other than investment fund shares in not related companies abroad
FIA Investment fund shares foreign
DSA Purchases and sales of foreign debt securities in not related companies - Less than a year
DLA Purchases and sales of foreign debt securities in not related companies - More than a year
FDA Financial derivatives foreign
DLF Debt instruments intragroup loans, deposits foreign (above 10% share)
AFA Receipts or payments from personal residents bank account or deposits abroad
SLA Loans - Drawings or Repayments on loans extended to non-residents - Short-term
LLA Loans - Drawings or Repayments on loans extended to non-residents - Long-term
LEA Leasing abroad
RFS Repos on foreign securities
TCR Trade credits and advances receivable
CEL Equity and investment fund shares for the establishment of new company in the UAE from non-residents, equity of merger or acquisition of companies in the UAE from non-residents and participation to capital increase of related companies from non-residents in the UAE
LDS Debt instruments intragroup securities in the UAE
REA Reverse equity share abroad
RDA Reverse debt instruments abroad
FSL Equity other than investment fund shares in not related companies in the UAE
FIL Investment fund shares in the UAE
DSL Purchases and sales of securities issued by residents in not related companies - Less than a year
DLL Purchases and sales of securities issued by residents in not related companies - More than a year
FDL Financial derivatives in the UAE
LDL Debt instruments intragroup loans, deposits in the UAE (above 10% share)
AFL Receipts or payments from personal non-resident bank account in the UAE
SLL Loans - Drawings or Repayments on foreign loans extended to residents - Short-term
LLL Loans - Drawings or Repayments on foreign loans extended to residents - Long-term
LEL Leasing in the UAE
RLS Repos on securities issued by residents
TCP Trade credits and advances payable