Living and working in the UAE means dealing with a lot of paperwork. One document that almost every employee will need at some point is the salary certificate. It can be super important when you’re trying to rent an apartment, apply for a credit card, or sponsor your family.
This guide explains everything you need to know, including what a salary certificate is, why you might need one, and how to get it. It makes your process smooth and accessible.
What Is a Salary Certificate?
A salary certificate is a letter from your employer that confirms your job details and how much money you make. It usually includes your name, job title, how long you’ve worked at the company, and your salary (both basic and total). It’s written on company letterhead and must be signed and stamped.
You can think of it as proof that you have a job and get paid regularly. It helps banks, landlords, and government departments know you can afford whatever you’re applying for.
Why Do You Need a Salary Certificate in UAE?
A Salary Certificate UAE is a well needed document required for multiple proceedings. Here are the most common situations where you might need this document:
Applying for a Bank Loan or Credit Card
Banks in the UAE almost always ask for a salary certificate when you apply for loans, car financing, or credit cards. They want to know how much you earn to decide if you can repay them.
Renting an Apartment
Many landlords or real estate agents want to see your salary certificate before they rent you a place. It shows them that you can pay rent on time.
Visa Applications and Sponsoring Family
If you want to sponsor your wife, children, or parents to live in the UAE, you’ll likely need to show your salary certificate. Immigration wants to see that you make enough to support them.
Changing Jobs
Sometimes, a new employer will ask for your salary certificate to see what you were earning before. This helps them make an offer and check your job details.
Other Legal or Official Uses
You might need a salary certificate for court matters, tax purposes, or when dealing with government offices.
What Does a Salary Certificate Include?
A salary certificate is not a complicated document. However, it is necessary to include all the necessary details in it to avoid any complications. Here’s what is usually written on the certificate:
- Your full name and employee ID
- Your job title
- Start date of employment
- Basic salary
- Allowances (housing, transport, etc.)
- Total monthly salary
- Purpose of the certificate (optional)
- Date of issue
- Company letterhead, official stamp, and signature (usually from HR or a manager)
Some companies issue a general salary certificate, while others customize it according to the specific purpose for which it is needed. For example, banks often ask for certificates addressed directly to them.
How to Get a Salary Certificate in UAE
Follow this step-by-step method to successfully get a valid salary certificate in the UAE:
1. Figure Out Why You Need It
Notify your HR department that you require a salary certificate for this purpose, so they can prepare it properly.
2. Request It from HR or Your Manager
Some companies have a formal process where you request it through an internal portal or email. Others might just ask you to send a quick request.
3. Provide the Necessary Details
Include your full name, job title, employee number, and to whom the certificate should be addressed (if needed).
4. Wait for It to Be Prepared
Depending on the company, it could take 1 to 5 working days. Some companies are faster while others might take longer, especially during busy times.
5. Check the Details Carefully
Once you receive the draft or final certificate, check that all the details are correct, especially your salary figures and job title.
6. Make Sure It’s Signed and Stamped
For the certificate to be accepted, it must have the company stamp and signature.
What If You Need It for Use Outside UAE?
If you want to use the certificate in another country, like for a visa or loan abroad, you may need to get it attested. Here’s what to do:
- Get It Stamped by UAE Ministry of Foreign Affairs (MOFAIC)
- Some Countries Also Need Embassy Attestation
- You Might Need Translation (if the language is not English or Arabic)
In some cases, especially for salary below AED 10,000, you also need an affidavit from IVS Global after obtaining a salary certificate. If it’s above AED 10,000, you may need the Chamber of Commerce stamp too. It can feel like a lot, but it’s doable.
Email Sample to Request a Salary Certificate
Subject: Request for Salary Certificate
Dear HR Team,
I hope you are doing well. I would like to kindly request a salary certificate for [state your reason, e.g., applying for a bank loan, renting a house, or sponsoring family].
Please include the following details in the certificate:
- My full name
- Job title
- Basic salary, allowances, and total salary
- Start date of employment
- Company stamp and authorized signature
Kindly address the certificate to [Bank Name / To Whom It May Concern], as required. If you need any additional details from me, please let me know.
Thank you for your support and help.
Best regards,
[Your Full Name]
Employee ID: [Your ID]
Department: [Your Department]
Contact Number: [Your Phone Number]
Sample Salary Certificate Format in the UAE
Frequently Asked Questions (FAQs)
What is the difference between a salary certificate and a salary slip?
A salary slip is a monthly document that shows detailed salary transactions, while a salary certificate is a formal document issued by an employer summarizing your salary and employment details.
Do financial institutions require a salary certificate or a salary slip in the UAE?
Most banks in the UAE ask you for a salary certificate and salary certificate attestation to assess your creditworthiness before approving loans or credit cards.
Is a salary certificate an official document in the UAE?
Yes, a salary certificate is an official document that acts as proof of employment and salary. It is typically printed on company letterhead and signed by HR or management.
Can I use a salary letter instead of a salary certificate?
While both are similar, a salary certificate is more formal and is often required by banks and government offices. A salary letter may not be accepted in all cases.
How can I get my salary certificate attested?
You can get your salary certificate attested by the UAE Ministry of Foreign Affairs. Some situations may also require embassy attestation or translation, especially if used outside the UAE.
What is the salary breakdown shown in the certificate?
The salary breakdown usually includes basic salary, housing allowance, transportation allowance, and other benefits. It provides a clear picture of your monthly salary structure.
How long does it take to issue a salary certificate in the UAE?
Issuing salary certificates can take 1 to 5 working days depending on your company’s process. Some companies may take longer during peak times.
Why do I need to get the salary certificate attested in the UAE?
You may need an attested salary certificate for visa applications or legal matters outside the UAE. It confirms that the certificate is genuine.
Can I ask for a salary certificate anytime in the UAE?
Yes, employees can usually request a salary certificate upon request. However, you should provide a valid reason for needing the certificate.
Is the certificate issued for free in the UAE?
In most companies, the certificate is issued for free. However, some employers may charge a small fee for issuing the certificate or for attestation services.
