What is a salary transfer letter?

A letter from your employer to your bank, on company letterhead, confirming your job and salary and that your salary will be paid into your account with that bank. Banks ask for it when you apply for a personal loan.

How do I ask HR for a salary transfer letter?

Send a short written request with your full name, job title, employee number, the bank’s name, your account number or IBAN as the bank gave it, and the reason. If the bank has its own form, attach it.

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

A salary certificate confirms your job and pay to whoever asked for it. A salary transfer letter goes to one bank and confirms that your salary will be paid into your account there. For a personal loan, a bank may ask for both.

Do I need to move my salary to get a personal loan?

Some banks make a salary transfer a condition of their personal loans. Ask the bank before you apply, and request the letter only if it needs one.

Is a salary transfer letter used elsewhere in the Gulf?

Yes. Banks in Qatar and Bahrain ask for one too; Bank of Bahrain and Kuwait calls it a letter of undertaking for salary transfer. The bank decides the format, so ask for its form first.

Salary Transfer Letter in the UAE: Format and How to Ask HR for One

A salary transfer letter is your employer’s letter to your bank, confirming that your salary will be paid into your account there. UAE banks ask for one when you apply for a personal loan, and some will only lend once your salary is transferred to them. Banks elsewhere in the Gulf ask for the same letter — in Bahrain it may be called a letter of undertaking for salary transfer. Two letters are involved, and this page has both: the transfer letter itself, as HR issues it, and the request you send HR to ask for one.

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Ready-to-use sample

[Date]

To: HR / Payroll Department, [Company Name]
[Optional: Cc: [Bank Name], [Branch]]
Subject: Request for a Salary Transfer Letter to [Bank Name]

Dear [HR Manager Name],

I am writing to request a salary transfer letter addressed to [Bank Name], for [reason, e.g. my personal loan application / moving my salary to a new account].

I work with [Company Name] as [Job Title], employee number [Employee Number]. From [Month], I would like my salary to be paid into my account with [Bank Name], account number / IBAN [Account Number or IBAN].

[If needed: The bank has its own salary transfer form, which I have attached. I would be grateful if it could be completed, signed and stamped.]

[If needed: The bank has also asked for my end-of-service benefits to be paid to the same account.]

Please let me know if you need anything further from me, such as a letter from the bank confirming the account.

Thank you for your help.

Kind regards,
[Your Full Name]
[Job Title]
[Phone Number] | [Email]

Replace the text in [brackets] with your own details.

Salary transfer letter format (the letter HR sends your bank)

[Company Letterhead]

[Date]
Ref: [Reference Number]

To: The Manager
[Bank Name]
[Branch]

Subject: Salary Transfer Letter — [Employee Full Name]

Dear Sir/Madam,

This is to confirm that [Employee Full Name], holder of passport number [Passport Number], has been employed with [Company Name] as [Job Title] since [Joining Date], with a total monthly salary of [amount and currency].

At the employee’s request, we confirm that [his/her] monthly salary will be transferred to [his/her] account with you:

Account name: [Employee Full Name]
Account number / IBAN: [Account Number or IBAN]

[Optional, only if the bank asks for it: We will also transfer [his/her] end-of-service benefits to this account, and will not transfer the salary to another bank without your written clearance.]

This letter is issued at the request of the employee and is not a guarantee of the employee’s obligations to the bank.

For verification, please contact us on [Company Phone] or [Company Email].

Yours faithfully,

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

Printed on company letterhead, with a reference number and the issue date near the top
Addressed to the bank by name — and on the bank’s own form if it has one, since some banks set the format themselves
The employee’s full name, job title, joining date and salary
The account the salary will be paid into, exactly as the bank gave it
Any undertaking the bank asks for, such as also paying end-of-service benefits to the account — and only what it asks for
Signed by an authorised signatory and stamped

Write your request to HR

What to include

Your full name, job title and employee number
The bank’s name, and the branch if the bank asked for one
Why you need it: a personal loan, or moving your salary to a new account
Your account number or IBAN, exactly as the bank gave it
The bank’s own form, attached, if it has one
The month from which you want your salary paid into the new account

Which salary transfer letter do you need?

For a personal loan or finance: The bank asks for it as part of your loan application, and some UAE banks will only lend once your salary is paid into an account with them. Ask whether the bank has its own form, and whether it wants your end-of-service benefits covered too — some do — then put both in your request.
For moving your salary to a new account: No loan involved: you have opened an account at a new bank and want your salary paid there. The letter confirms the new account to the bank, and your request asks HR or payroll to update your payment details from a given month.
On the bank’s own form: Some banks give you a form for your employer to fill in, sign and stamp instead of a free-form letter — Commercial Bank of Qatar, for example, asks for its salary transfer letter “with format”. If yours does, attach the form to your request so HR completes the right document the first time.

What happens next

1HR or payroll checks your details and prepares the letter, or completes the bank’s form.
2The letter reaches the bank either straight from HR or through you — ask HR which.
3Check that the account number or IBAN on the letter matches the bank’s records exactly.
4From the agreed month, check that your first salary arrives in the new account.
5Keep a copy, and talk to HR before you move your salary again — the letter was written to this bank.