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Salary Certificate Generator

How do I write a salary certificate for a bank, embassy, visa or tenancy in the UAE or Saudi Arabia?

Pick the purpose — bank, loan, family visa, embassy or tenancy — fill in the employee and salary, and get a Gulf-format salary certificate in English, Arabic or both. Paste it onto your letterhead, sign and stamp.

بالعربية

How the salary certificate is put together

The certificate follows the format HR teams across the UAE, Saudi Arabia and the GCC use: letterhead details, reference number and date, the addressee (which changes with the purpose), a subject line, a certifying paragraph with the employee's name, nationality, passport and ID numbers, job title and joining date, then the monthly salary broken into basic and allowances with the total (and the total in words in English), a purpose paragraph, a no-liability line and the signatory block with space for the company stamp. The purpose selector changes the addressee and the purpose paragraph: an embassy letter adds approved leave dates and the return-to-work line, a loan letter adds that the certificate is not a loan guarantee. Empty fields stay as highlighted [placeholders].

Basic salary
Fixed monthly pay before allowances. Gratuity and leave pay are usually based on it.
Allowances
Housing, transport and other fixed monthly payments listed separately from basic.
WPS
Wage Protection System — the official channel salaries are paid through (Mudad in Saudi Arabia).
شهادة راتب / تعريف بالراتب
Salary certificate in Arabic; the Saudi term is a "salary definition" letter.

Worked example: the salary block by country

For a monthly package of 9,000 basic + 4,000 housing + 1,000 transport, the certificate prints:

CountryTotal monthly salaryTotal in words (English letter)
UAEAED 14,000UAE dirhams fourteen thousand only
Saudi ArabiaSAR 14,000Saudi riyals fourteen thousand only
QatarQAR 14,000Qatari riyals fourteen thousand only
KuwaitKWD 14,000Kuwaiti dinars fourteen thousand only
BahrainBHD 14,000Bahraini dinars fourteen thousand only
OmanOMR 14,000Omani rials fourteen thousand only

The currency follows the country you choose. The Arabic letter shows the figures with the Arabic currency name.

Before you sign it

  • Paste onto your letterhead, sign and stamp. An unsigned certificate on plain paper is usually rejected.
  • The salary must match what you pay through WPS / Mudad and what the employment contract says — banks compare it with salary credits.
  • A salary certificate is not a guarantee. If the bank wants you to commit to paying the salary into their account, that is a salary transfer letter.
  • This is a template, not legal or financial advice.

Which salary certificate format for which purpose

One page covers every purpose — the selector above changes who the letter is addressed to and what it says.

PurposeAddressed toExtra line it needsGood to know
Bank account / credit cardThe bank ("To: The Branch Manager")Salary paid through WPS, bank the salary goes intoMost banks: issued within 30 days
Loan / financeThe bank or finance companyStatement that it is not a guarantee of the loanOften paired with a salary transfer letter
Family visaTo Whom It May ConcernTotal salary (sponsorship thresholds are checked against it)Attested tenancy contract is usually asked for too
Embassy / travel visaThe embassy's consular sectionApproved leave dates and that the employee returns to workSchengen and UK visa centres ask for this line
TenancyTo Whom It May Concern (or the agent)Monthly salary and job titleLandlords use it to judge affordability

Need a different letter? Use the NOC letter generator for travel and visa no-objection letters, the salary transfer letter for loans that need salary assignment, or the offer letter generator for new hires.

Frequently asked questions

What is a salary certificate?

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A salary certificate is a letter from an employer, on company letterhead, confirming that a person works for the company, their job title, joining date and current monthly salary — usually split into basic salary and each allowance. In Arabic it is called شهادة راتب, and in Saudi Arabia it is often called تعريف بالراتب (salary definition letter). Banks, embassies, landlords and immigration authorities in the UAE, Saudi Arabia and the rest of the GCC ask for it.

What should a salary certificate include?

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Company name and address, a reference number and date, who it is addressed to, the employee's full name as on the passport, nationality, passport (and Emirates ID / Iqama) number, job title, joining date, the monthly salary broken down into basic and allowances with the total, the purpose of the letter, and the name, title and signature of an authorised signatory with the company stamp. A total in words ("UAE dirhams fourteen thousand only") avoids disputes about the figure.

What is the difference between a salary certificate and a salary transfer letter?

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A salary certificate only confirms employment and salary. A salary transfer letter goes further: the employer undertakes to keep paying the salary into a specific bank account (and often to pay end-of-service dues there) until the bank releases it. Banks ask for a salary transfer letter for personal loans and credit cards that depend on salary assignment. Use our salary transfer letter template for that.

Who can sign a salary certificate?

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An authorised signatory — usually the HR manager, finance manager or a general manager — whose name and title appear under the signature, with the company stamp. Some banks have a list of authorised signatories on file for companies on their payroll lists, so check with the bank if the letter is for a loan.

How long is a salary certificate valid?

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There is no legal validity period, but most banks and embassies only accept a certificate dated within the last 30 days (some accept up to 3 months). Issue a fresh one for each application rather than reusing an old letter.

Should the salary certificate show basic salary or total salary?

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Both. Gulf salary certificates list basic salary and each allowance separately, then the total. Banks usually lend against the total, while family-visa salary thresholds and some embassy checks look at the total too. Make sure the figures match what you pay through WPS (Mudad in Saudi Arabia) — banks can see salary credits on statements.

Can I issue a salary certificate in Arabic?

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Yes. Choose Arabic or Both in the generator. Government entities in Saudi Arabia and some UAE authorities prefer Arabic; banks and embassies generally accept English. Both side by side prints on one A4 page.

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Step 1 · Purpose & addressee2/7+
Purpose

Sets who the letter is addressed to and the purpose paragraph.

Bank, finance company or embassy name, e.g. Emirates NBD · Embassy of France, Abu Dhabi. Optional for visa and tenancy.

Step 2 · Company & letter0/4+
Step 3 · Employee1/8+
Employee

Sets Mr/Ms and the Arabic wording (Arabic verbs agree with gender).

As on the passport.

Step 4 · Monthly salary0/4+
Step 5 · Sign-off1/2+
SALARY CERTIFICATE

[Company name] (to fill in)

Ref: [Reference number] (to fill in) Date: [Date] (to fill in)

To: The Branch Manager [Bank / embassy name] (to fill in) UAE

Subject: Salary Certificate

Dear Sir/Madam,

This is to certify that Mr. [Employee full name] (to fill in), [Nationality] (to fill in) national, holding passport number [Passport number] (to fill in), has been employed with [Company name] (to fill in) since [Joining date] (to fill in) and is currently working with us as [Job title] (to fill in).

The employee's current monthly salary is as follows:

Basic salary: AED [Basic salary] (to fill in) Total monthly salary: AED [Total salary] (to fill in)

The salary is paid monthly through the Wage Protection System. This certificate is issued at the employee's request for submission to [Bank / embassy name] (to fill in) for banking purposes.

This certificate is issued without any financial obligation or liability on the part of [Company name] (to fill in).

Yours faithfully,

For and on behalf of [Company name] (to fill in)

[Signed by] (to fill in) HR Manager

Signature: ____________________ Company stamp:

Paste onto your letterhead, sign and stamp. Banks and embassies usually want it dated within the last 30 days. This is a template, not legal or financial advice.

8 fields still show as [highlighted placeholders] — fill them in or edit after copying.

Get this letter in your inbox (English and Arabic) plus our other GCC HR letter formats.