Salary Transfer Letter UAE: Format and What Banks Ask For

A salary transfer letter is a letter from your employer to a bank. It confirms your job and your salary, and it records the employer’s undertaking to pay your salary into your account at that bank and to send your end-of-service benefits there when you leave. UAE banks ask for it mainly with personal loans. Below is what the letter says, which banks require their own form, and an editable sample for banks that accept a letter on company letterhead.

When banks ask for a salary transfer letter

It is a bank requirement tied to a product, most often a personal loan. What the banks’ own pages and terms said when we checked:

Bank terms change, so treat the table as the position on 21 September 2026 and confirm with the bank before you ask HR for anything.

What a salary transfer letter says

The formats Emirates NBD and Emirates Islamic publish share the same core:

• it is addressed to the bank and names the employee, the passport number, the job title and the date of joining;
• it states the monthly salary, gross or inclusive of all allowances, and on the Emirates NBD form also the accrued gratuity;
• it confirms that the salary will be credited to a named account at the bank from a stated month;
• the employer undertakes not to transfer the salary to another bank until the bank issues a clearance letter;
• if the employment ends, the employer will inform the bank and transfer the gratuity and final settlement to the same account;
• it says the letter is issued at the employee’s request and is not a guarantee by the employer;
• it is signed by an authorised signatory, with name and title, and carries the company stamp.

Salary transfer letter format (sample)

Use the bank’s own form if it has one. Where the bank accepts a letter on company letterhead, this layout covers the usual points:

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

To: The Manager, [Bank Name], [Branch]

Subject: Salary transfer letter for [Employee Full Name]

This is to confirm that [Employee Full Name], a [Nationality] national, holder of passport number [Passport No.] and Emirates ID [Emirates ID No.], has been employed with [Company Name] as [Job Title] since [Joining Date], with a gross monthly salary of AED [amount], inclusive of all allowances. [His/Her] accrued end-of-service benefits are currently AED [amount].

At the employee’s request, we will credit [his/her] monthly salary to account number [Account No.], IBAN [IBAN], with your bank, starting from [Month, Year]. We undertake not to transfer the salary to any other bank until we receive a clearance letter issued by you.

Should the employment end while any facility with you is outstanding, we will inform you and transfer [his/her] end-of-service benefits and final settlement to the same account.

This letter is issued at the request of the employee and does not constitute a guarantee or any financial obligation on our part.

For [Company Name]
[Authorised Signatory Name], [Title]
[Signature and Company Stamp]

Changing jobs with a loan

• Tell the bank before you move. ADCB’s terms require notice in advance, and a letter from the new employer acceptable to the bank.
• Expect to bring a new salary transfer letter from the new employer. Emirates NBD asks for one in its own format, and says your first salary must reach the bank if you want to keep your existing loan rate. Emirates Islamic says your new salary must continue to be transferred to it while you have personal finance.
• End-of-service benefits usually land in the salary transfer account. Emirates NBD blocks the outstanding loan amount from them, and Mashreq’s terms require all end-of-service amounts to be transferred to the bank.
• To move your salary to another bank, you need a clearance letter first. Emirates Islamic allows the move once your liabilities are settled.

What the Central Bank rules add

Salary transfer is a condition each bank sets for its own products: we found no Central Bank rule that requires it. The Central Bank’s rules on loans to individuals do set the frame around it:

• banks must properly ascertain a borrower’s salary and end-of-service benefits from the employer (Notice 2901/2011 under Regulation 29/2011);
• a personal loan is capped at 20 times the monthly salary or total income, with a repayment period of up to 48 months, and total deductions cannot exceed 50% of gross salary;
• you can move a loan to another bank for an early settlement fee of at most 1% of the outstanding balance or AED 10,000, whichever is less;
• banks must issue clearance and liability certificates within 7 working days of your request, with a fine of AED 10,000 for each violation;
• a bank must not block more than the actual amount you owe, and must not block your end-of-service payment to repay a mortgage.

Salary transfer letter or salary certificate?

For the certificate, use the salary certificate format. For a single month’s pay breakdown, use the salary slip format.