Salary Certificate Format UAE: Sample & What to Include

A salary certificate is an official letter from your employer confirming your employment and salary in the UAE. Banks, landlords, embassies and government departments frequently ask for one – for a loan or credit card, a tenancy, a visa application, or other financial processes. This guide explains when you need a salary certificate, what it must contain, and gives a ready-to-use salary certificate format you can adapt.

When do you need a salary certificate?

A salary certificate is one of the most requested HR documents in the UAE. You typically need it for:

• Bank loans and credit cards – to prove income and employment;
• Renting a property – many landlords and agents ask for one;
• Visa applications – for another country, or for family sponsorship in the UAE;
• Financial and government processes that require proof of income.

It is issued by your employer, usually addressed either to the specific bank or authority, or “To Whom It May Concern”. A salary certificate confirms your income; it is different from a salary slip (payslip), which shows a single month’s pay breakdown.

What a salary certificate must include

On company letterhead, a salary certificate should state:

• the date and the addressee (the bank/authority, or “To Whom It May Concern”);
• the employee’s full name, passport and Emirates ID numbers;
• the designation and date of joining;
• the salary – usually the basic salary plus allowances, and often the total monthly salary;
• a statement that the certificate is issued on the employee’s request;
• the company details, an authorised signature and the company stamp.

Some banks have their own salary-certificate template they require the employer to complete – if so, use theirs.

Salary certificate format (sample)

Adapt the template below on your company letterhead:

[Company Letterhead]
Date: [DD/MM/YYYY]

To Whom It May Concern,

Subject: Salary Certificate

This is to certify that Mr./Ms. [Full Name], holder of passport number [Passport No.] and Emirates ID [Emirates ID No.], has been employed with [Company Name] as [Designation] since [Joining Date].

[His/Her] current monthly salary is as follows:
Basic Salary: AED [amount]
Housing Allowance: AED [amount]
Transport Allowance: AED [amount]
Other Allowances: AED [amount]
Total Monthly Salary: AED [amount]

This certificate is issued upon [his/her] request and does not entail any liability on the company.

For [Company Name]

[Authorised Signatory Name]
[Designation]
[Signature & Company Stamp]

Common mistakes to avoid

Salary certificates are rejected for the same avoidable reasons as other UAE letters: not on official letterhead, missing the company stamp or authorised signature, salary figures that do not match the labour contract or WPS records, and missing passport or Emirates ID details. If the certificate is for a bank, check whether they require their own format or a specific breakdown (basic vs allowances), and make sure it is recent.

Related

Understand how basic salary and allowances affect your rights in the UAE labour law guide and your end-of-service payout in the gratuity calculator. For a No Objection Certificate instead, see the UAE NOC letter format.

FAQ

What is a salary certificate in the UAE?

A salary certificate is an official letter from your employer confirming your employment and salary. Banks, landlords, embassies and government departments request it for loans, credit cards, tenancies and visa applications. It differs from a salary slip, which shows a single month’s pay breakdown.

When do I need a salary certificate?

Most often for a bank loan or credit card, renting a property, a visa application (another country or UAE family sponsorship), and other financial or government processes that require proof of income.

What should a salary certificate include?

On company letterhead: the date and addressee, the employee’s full name, passport and Emirates ID numbers, designation and joining date, the salary (basic plus allowances and total), a statement that it is issued on request, and an authorised signature and company stamp.

What is the difference between a salary certificate and a salary slip?

A salary certificate confirms your overall employment and salary for third parties like banks and landlords, while a salary slip (payslip) shows the detailed breakdown of a single month’s pay – basic, allowances, deductions and net pay.

Why do banks reject salary certificates?

Usually because they are not on official letterhead, missing the company stamp or signature, show figures that do not match the labour contract or WPS records, or lack passport/Emirates ID details. Many banks also require their own template – use it if provided.