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Download Salary Certificate in UAE for free

Salary Certificate in UAE is your employer's written proof of employment and wage entitlement. On the employee's request, the employer issues it. This paper normally contains information regarding your time with the company. It is normally printed on the company's letterhead with the signature and seal of the authorised staff. It can be used for a variety of purposes and is not directed towards any particular organisation.

If you want to apply for a credit card or a personal loan in the UAE, you must have this paperwork. It serves as verification of your earnings and employment. It's crucial to double-check that the salary certificate is printed on the company's official letterhead, signed by the authorised signatory, and stamped with the company's rubber stamp.

Why Do Banks in the UAE Request a Salary Certificate?

When you apply for a credit card, a personal loan, a vehicle loan, or any other type of loan, a financial institution or a bank must assess your ability to repay the amount. They do this by looking at your bank statement and reviewing your salary certificate to determine your savings and monthly income. This allows the organisation to ensure that it is lending money to someone who has a stable income and is capable of repaying the debt.

A salary certificate is a document that verifies your position in the company as well as your wages. This information is a critical factor in the institution's or bank's judgement on your creditworthiness.

When applying for a loan or credit card in the UAE, why do you need a salary certificate?

When applying for a credit card or any type of loan in the UAE, most banks require a salary certificate as an essential document. The documentation required by banks or financial institutions vary depending on the type of credit card or loan, however the following are the common requirements:

  • You should have a current passport.
  • You should have a current Visa.
  • Your most recent pay stub/salary slip or wage certificate.
  • Bank statements from the last few months

If you do not present a salary certificate, most institutions will not process your credit card or loan application. As a result, this document is crucial during the loan or credit card application procedure.

Format of UAE Salary Certificate

The salary certificate format UAE that is required by banks can come in a variety of variations. However, the following are the most important aspects of a wage certificate:

  • Date of publication.
  • The employee's name.
  • The employee's gender.
  • The employee's position within the organisation.
  • Job title and description.
  • The start date.
  • Salary in both gross and net terms.
  • Reimbursements (if any).
  • Advantages (if any).
  • The official who signs it must provide his or her name, contact information, and address.

What Is the Purpose of an Employee's Salary Certificate?

Employees who want to take out a loan in the UAE will usually need a salary certificate. Employees are often required to submit this document so that the financial institution or bank can verify the applicant's salary and evaluate his or her ability to repay the loan requested. As a result, when an employee requests a wage certificate template, employers are compelled to provide it.

What Is a Salary Letter?

A pay certificate letter includes an additional portion that is addressed to a specific financial institution or bank and explains why the certificate was issued. This document may only be used for the purpose stated when applying for the letter.

For example, if you are applying for a personal loan from ABC Bank, your pay certificate letter will be addressed solely to “ABC Bank” for the purpose of obtaining a personal loan. You may not submit this paper to any other institution or for any other reason.

Difference Between a Salary Certificate and a Salary Letter

A pay certificate, issued by your current employer, is confirmation of your income as well as your compensation entitlement. This paper is not addressed to a specific organisation and does not have a stated purpose. This means you can use it for a variety of purposes and with a variety of providers.

A salary certificate letter, on the other hand, contains both a specific organisation and the applicant's objective. As a result, it can't be utilised across multiple institutions, and it can't be used for purposes other than those listed on it.

Difference Between a Salary Slip and a Salary Certificate

A salary certificate is frequently confused with a payslip or a salary slip in the UAE. The amount of pay you get and the amount of tax or insurance deducted are listed on a salary slip. A salary certificate, on the other hand, is a document that your employer provides as verification of your employment and wage entitlement.

A salary slip is not issued for any particular reason, but a salary certificate is produced in order to obtain credit.

What Does Salary Certificate Attestation Mean?

For numerous requests in the UAE, such as requesting for a loan with a financial institution or a bank, sponsoring your domestic help, and so on, most government departments require a confirmed wage certificate sample. Salary certificate UAE is one such document that must be attested by the Ministry of Foreign Affairs in Sharjah or Dubai and the Consulate General of India in Dubai at the same time.

The following documents must be carried by the applicant at the time of attestation:

  • The original salary certificate from the UAE, as well as a legitimate photocopy.
  • The original passport of the applicant, as well as a legitimate photocopy of the first and last pages of the same.

Aside from these documents, the candidate must also be personally present during the attestation. It's possible that you'll be asked to produce some more documents, depending on the documents you present. There is a charge involved with this operation as well.

Salary letter is a written verification of your income and employment that is sent by your employer to a certain bank or financial organisation for a specified purpose.

Final Thoughts

Most financial institutions and banks have their own standard format for wage certificates in the UAE, but the information that must be included is the same. If the bank or institution you're looking for has a certain format, it's critical that you inform your employer.

Download Document







Ref - XXXX

Date – 25/09/2019



To Whomsoever It May Concern



Subject – Salary Certificate



This is to certify that Mr/Mrs XXXXX holding passport number XXXX has been an employee of this company as XXXXX since XXXXX with a total remuneration of AED XXXX per month.



This letter is issued upon the employee’s request and its does not constitute a financial guarantee on our part.









Designation - XXXXXXX





Disclaimer: The information contained in the sample document is general information and should not be considered as bank or authorized advice to be applied to any specific factual situation. All information and documents are as per dhanguard experience.


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