Salary Transfer Letter Generator
Create a salary transfer letter for a UAE bank — required for personal loans and credit cards. Free PDF.
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Date:
The Manager
Subject: Salary Transfer Letter —
Dear Sir/Madam,
This is to certify that is a permanent employee of , working as since .
The employee's monthly salary of AED ( only) is transferred through your bank.
We hereby confirm and undertake that the said salary will continue to be transferred to the above account with your bank, and we acknowledge this letter is issued in connection with the employee's personal loan application.
In the event of the employee's resignation or termination, we undertake to notify the bank and to remit any end-of-service settlement in accordance with the bank's requirements, subject to applicable law and company policy.
This letter is issued at the request of the employee for the purpose stated above.
Yours faithfully,
_______________________
Fill in: Bank Name, Company Name, Date of Issue, Employee Full Name, Designation / Job Title, Date of Joining, Monthly Salary, Authorised Signatory Name
What is a salary transfer letter?
A salary transfer letter is a letter from an employer to a bank confirming that an employee's monthly salary is — and will continue to be — paid into an account with that bank. In the UAE it is one of the most important documents for retail banking: banks rely on a salary transfer commitment from the employer to assess and secure personal loans, credit cards and salary accounts. It is closely related to the salary certificate but is addressed specifically to the bank and includes an undertaking about the continued transfer of salary.
When do you need one?
You will be asked for a salary transfer letter when applying for a personal loan, a credit card, or a salary-account package at a UAE bank. Because repayment of an unsecured loan in the UAE is typically secured against your incoming salary, the bank wants the employer to confirm the salary amount, the account it is paid into, and a commitment to keep transferring it — plus a promise to inform the bank and route any final settlement through them if you leave the company. The letter is usually issued on company letterhead and addressed to the specific bank and branch.
Format & what to include
A salary transfer letter is addressed to the manager of the named bank and branch. It certifies the employee's name, ID number, designation and joining date, then states the monthly salary and the account or IBAN it is transferred to. The key element that distinguishes it from a plain salary certificate is the undertaking: the company confirms it will continue transferring the salary to that account and will notify the bank, and remit end-of-service dues through it, if the employee leaves. It closes with the purpose (loan, card or account), the authorised signatory's name and designation, signature and company stamp.
Frequently asked questions
What is the difference between a salary certificate and a salary transfer letter?+
A salary certificate simply confirms your employment and income, addressed generically. A salary transfer letter is addressed to a specific bank and adds an undertaking that your salary will continue to be transferred to your account there — which is what banks need to approve loans and cards.
Why do UAE banks require a salary transfer letter?+
Unsecured lending in the UAE is largely secured against your incoming salary. The bank needs the employer's written commitment to keep paying your salary into the account, and to route any final settlement through the bank if you leave, before approving a loan or credit card.
Who issues the salary transfer letter?+
Your employer's HR or finance department issues it on company letterhead, signed by an authorised representative and stamped. The bank will not accept a version written by the employee.
Does the letter need to mention my IBAN?+
Including your salary account number and IBAN makes the letter more useful, as the bank can match it directly to your account. If you are opening a new salary account, the bank may instead use the letter to set up the transfer.