Salary Certificate Format UAE(2025-26): Download
Businesses and organizations are not allowed to simply state that they have employees in the UAE. You must give them documentation proving their employment. An employer’s confirmation of employment within a specific organization is provided by a wage certificate. With the advancement of the UAE market, there is no need for hard copies of salary certificates. HRMS software eases the process of payroll and gives the certificates online to the employees. Let’s examine all the information you require regarding salary certificates in UAE.
What are Salary certificates in UAE?
A salary certificate in UAE is proof of your job status and entitlement to pay from an employer. As a result, the aforementioned document, which includes information about your employment with the company, was provided by the employer you work for. Furthermore, this certificate needs to be printed on paper, signed by authorized staff, and on firm letterhead.
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Furthermore, various reasons might prompt a request for this document, and it is not intended for any specific institution. On the other hand, an individual or business addresses a wage certificate request letter. The letter should also include an explanation of the employee’s wish.
However, if you want to apply for a credit card, loan, or immigration procedure, you must have the certificate. Similarly, the information is the same even though each bank may use a different format for its salary certificate in the UAE. In this instance, you have to let HR know if the bank uses a different format than your business.
The format of salary certificate in UAE
A salary certificate is required in the UAE to apply for a credit card or loan. The majority of banks and other financial organizations have their format for salary certificates, but the essential details are always the same. Typically, authorized people print it with the company’s letterhead, signature, and seal. The Ministry of Foreign Affairs and the Consulate General of the employee’s home country must certify it.
- Date of issue
- Name of the employee
- Employee position
- Job Description
- Start date of your work
- Gross and net salary
- Benefits (housing, rent, transportation, utilities, and others)
- Refunds
- Signature and contact information of the official
Furthermore, this information may change based on the demands of the staff or the goal of the request. In certain situations, you could also want other pay-related formats, including the UAE salary slip format.
Additionally, this kind of document provides vital details about your pay at the issuing organization. If you need this kind of document, you might need a salary certificate in the form of a letter.
Salary slips vs. Salary certificates vs. Salary certificate letter
Salary slips are now given to the employee by you, the company. They are essentially just documents that employees must maintain, outlining their net and gross income before any potential tax and other deductions. Financial authorities do not authorize these documents for employees to use as official documentation of their income when applying for a loan.
It is no longer necessary to provide paystubs in hard copy. Employers now more often issue payslips through email or HR software.
The employer provides the employees with an official document called a salary certificate. They can ask the company for one. It certifies that individual as an employee of your company and details their work period and compensation.
An additional section in a salary certificate letter explains why you issued the certificate and addresses a specific bank or financial institution. When requesting a letter, you may only use this document for the indicated purpose.
Why Do Banks Ask For a Salary Certificate UAE?
When you apply for a credit card, personal loan, auto loan, or any other type of loan, a bank or other financial institution must assess your ability to repay the debt. They accomplish this by analyzing your bank statement to determine your savings and your salary certificate to determine your monthly income. This makes it easier for the organization to make sure that the person to whom it is providing money can repay the loan and be a reliable source of income.
Your salary certificate validates the position and your income within the company. The bank or organization will consider this information when deciding about your creditworthiness.
Why is a Salary Certificate Needed?
A salary certificate is often required to prove your employment status and financial stability. It helps institutions verify your income directly from your employer, making it a trusted document for official procedures. In the UAE, it’s commonly requested for:
- Applying for bank loans or credit cards
- Processing visa applications or family sponsorship
- Renting a house or securing tenancy contracts
- Government or legal procedures
- Confirming employment for immigration or travel purposes
- Financial assessments or eligibility checks
It gives authorities confidence that you have a reliable source of income and can meet financial commitments, which is why the document must be issued on official company letterhead and signed by an authorized representative.
Penieltech can help you with a Salary certificate and Payroll Management
It can take time to handle the data requests made by your staff. HR managers can respond quickly to salary certificate requests by using Elate HRMS modules. You can save time by creating client letter templates using this function instead of corresponding with your staff one-on-one. You can quickly write a salary certificate using Bayzat’s template samples, and you can easily modify them to suit your employee’s needs.
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Elate HRMS software offers an exceptional payroll experience, encompassing all of these features. You can now access and update payroll records from anywhere at any time. You can be sure that the system is working for you because it is safe, secure, and complies with UAE legislation.
How to Get a Salary Certificate in the UAE
Steps to Get a Salary Certificate
- Contact HR or Payroll
Reach out via email or internal HR portal and request a salary certificate. - Mention the Purpose
Clearly state why you need it (bank loan, visa application, credit card, rental, etc.). Some institutions require specific wording. - Specify Required Details
If needed, mention additional information such as salary breakdown, allowances, designation, joining date, etc. - Provide Supporting Documents (if asked)
Some companies may request a copy of your Emirates ID or approval from your reporting manager. - Wait for Processing
HR usually takes 1–3 working days to prepare the certificate. - Review Before Acceptance
Check the document for accuracy, including salary figures and spelling of your name. - Get It Stamped and Signed
The certificate must be on the company’s official letterhead with authorized signature and stamp. - Receive Soft Copy or Hard Copy
Depending on the requirement, you may receive it via email or as a physically signed document. - Submit to the Required Authority
Share it with the bank, government entity, or other institution within the validity period (usually 30–90 days).
How to Get a Salary Certificate in the UAE Attested
Steps to Get a Salary Certificate Attested in the UAE
- Request the salary certificate from your employer
Make sure it’s printed on company letterhead, signed by an authorized person, and stamped. - Check if attestation is required
For most local purposes, attestation isn’t needed. It’s typically required if the certificate will be used outside the UAE or for certain government procedures. - Get it attested by your company’s Chamber of Commerce (if needed)
Some entities may request business verification before government attestation. - Visit the UAE Ministry of Foreign Affairs and International Cooperation (MOFAIC)
Submit the original document along with a copy. You can do this online through the MOFAIC portal or at an MOFAIC service center. - Pay the attestation fee
MOFAIC charges around AED 150 for the service (fees may vary depending on document type and use). - Receive the attested certificate
You’ll get it stamped and approved by MOFAIC. This may take a few hours to one business day. - If used abroad, get embassy attestation
Submit the MOFA-attested certificate to the embassy or consulate of the destination country for final verification.
Top 10 FAQs About Salary Certificates in the UAE
A salary certificate is an official document issued by an employer confirming an employee’s salary, job title, and employment details. It’s usually requested for financial or legal purposes.
It’s commonly used for applying for bank loans, credit cards, visa processing, renting property, government procedures, or confirming financial status.
Only the HR or payroll department of the employer or company can issue an official salary certificate, usually on company letterhead.
No. A salary slip shows a monthly breakdown of earnings and deductions, while a salary certificate is a formal declaration of your overall income and employment status.
Typically:
- Employee full name
- Job title
- Joining date
- Monthly or annual salary breakdown
- Allowances (if applicable)
- Company name and stamp
- Signature of authorized person
- Date of issue
For most local uses like bank loans, no attestation is required. However, for visa applications outside the UAE or certain government procedures, attestation may be necessary.
Usually valid for 30 to 90 days, depending on the institution requesting it. Banks often accept it for 30 days.
Yes, employees can request more than one if needed for different purposes, though some companies may limit the number or charge a fee.
Most commonly issued in English, but some government entities may require Arabic. Bilingual certificates are also accepted.
Yes, but it will reflect your probationary status, which some banks or lenders may not accept for financial approvals.
