# AI tells a UAE resident to receive salary via IBAN without verifying the AE check digits, causing payroll rejection

- **ID:** `banking/uae-iban-missing-ae-check-digits`
- **Domain:** banking
- **Category:** data_error
- **Error Code:** `PAYROLL-IBAN-CHECK-DIGIT-001`
- **Verification:** ai_generated
- **Fix Rate:** 85%

## Root Cause

UAE IBANs (format AExx xxxx xxxx xxxx xxx) require a two-digit check digit (positions 3-4) calculated using the ISO 7064 mod 97 algorithm; many payroll systems reject IBANs with incorrect check digits, even if the account number is valid.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| UAE Central Bank IBAN Standard 2023 | active | — | — |
| WPS (Wage Protection System) v4.0 | active | — | — |
| Mashreq Neo 3.2 | active | — | — |

## Workarounds

1. **Use an online IBAN validator (e.g., https://www.iban.com/structure/ae) to compute the correct check digit for your account number and BBAN. Then request your bank to update the IBAN on file.** (92% success)
   ```
   Use an online IBAN validator (e.g., https://www.iban.com/structure/ae) to compute the correct check digit for your account number and BBAN. Then request your bank to update the IBAN on file.
   ```
2. **Visit your UAE bank branch and request a 'IBAN confirmation letter' that includes the officially computed IBAN; provide this letter to your employer's payroll department.** (88% success)
   ```
   Visit your UAE bank branch and request a 'IBAN confirmation letter' that includes the officially computed IBAN; provide this letter to your employer's payroll department.
   ```
3. **If your bank supports it, use the mobile app's 'Share IBAN' feature which generates a QR code with the correct IBAN; scan this into payroll system.** (80% success)
   ```
   If your bank supports it, use the mobile app's 'Share IBAN' feature which generates a QR code with the correct IBAN; scan this into payroll system.
   ```

## Dead Ends

- **Re-enter the IBAN manually, assuming a typo** — The check digit is mathematically derived from the entire IBAN; manual re-entry without recalculation will produce the same invalid check digit (70% fail)
- **Use the same IBAN for other transfers that succeed** — Some banks' internal systems bypass check digit validation for domestic transfers, but WPS payroll systems enforce strict validation (85% fail)
- **Ask the bank to generate a new IBAN from scratch** — The IBAN is tied to the account; a new IBAN requires opening a new account, which triggers KYC and may take 3-5 business days (90% fail)