UAE Banking & Finance Gratuity Calculator 2026
EOSB for Bank Employees, Analysts & Finance Professionals
Pre-filled with typical banking sector salaries. Important: DIFC employees are covered by the DEWS scheme, not standard UAE gratuity law.
DIFC employees: a different scheme (DEWS) applies to you. See the DIFC note.
๐ฆ Banking & Finance Gratuity Calculator
Federal Decree-Law No. 33 of 2021, Article 51
Resigned, terminated or contract ended? The same formula applies once you complete 1 year of continuous service.
Pre-filled with a typical salary.
Adjust and click Calculate.
If you work within the Dubai International Financial Centre (DIFC), including banks, law firms, and financial institutions registered under DIFC, you are covered by the DEWS (DIFC Employee Workplace Savings) scheme, not standard UAE Federal Labour Law gratuity. DEWS is a different monthly contribution-based system. Check your employment contract or contact your DIFC employer's HR for your specific entitlements.
This calculator applies to non-DIFC banking and finance employees governed by Federal Decree-Law No. 33 of 2021.
What bank staff should check before leaving
Banking packages often combine a fixed salary with a bonus or a commission. Only the basic wage counts towards gratuity, because Article 51 uses the last basic wage and Article 1 defines basic wage as the wage stipulated in the contract for the work, excluding other allowances and benefits in kind.
- Check where your contract names the basic wage. If it only gives a total figure, ask HR in writing which part is basic.
- Notice is a fixed range. Article 43 sets 30 to 90 days, as your contract states, and you receive your full wage for it.
- Garden leave. If your bank asks you not to work during notice, the contract still runs and Article 43(2) still entitles you to your full wage for the notice period. The period counts as service.
- Non compete clauses. Article 10 allows one only if your job gives access to clients or work secrets, and it must be limited by time, place and type of work. It cannot run for more than 2 years after the contract ends, and it is void if the employer ends the contract in breach of the law. Read the clause before you sign a new offer.
- Deductions. Article 51(7) allows deductions from gratuity only for amounts payable under the law or a court judgment. See the deductions guide.
Use the notice period calculator to work out your last day and any pay in lieu, and the final settlement calculator for the whole sheet.
Gratuity calculation examples, banking roles
DIFC DEWS, how it differs from standard UAE gratuity
The DIFC Employee Workplace Savings (DEWS) plan replaced the lump sum gratuity for DIFC employees from 1 February 2020. Under DEWS, employers make monthly contributions to individual employee savings accounts. The full explanation is in what is DEWS.
| Factor | Standard UAE gratuity | DIFC DEWS |
|---|---|---|
| Governing law | Federal Decree-Law No. 33 of 2021 | DIFC Employment Law, DIFC Law No. 2 of 2019 |
| Payment timing | Lump sum when the contract ends | Employer pays monthly into a savings account in your name |
| Contribution rate | Formula at the end of service | 5.83% of monthly basic wage for the first 5 years, 8.33% after |
| Access to the money | On leaving | Employer contributions on leaving, voluntary savings in part earlier |
| Investment | None | The account is invested, so the value can rise or fall |
| Cap | Two years' wage (Article 51(6)) | No cap in the contribution rule |
Are banking commissions included in gratuity?
No. Gratuity is calculated on the basic wage. Article 1 defines wage to include allowances and a percentage of sales or profits, but basic wage excludes them, so commissions, sales incentives and annual bonuses do not count even when they are regular.
This matters most for relationship managers and traders whose variable pay is large. Their gratuity is based on the fixed basic wage only.
Calculate your exact end-of-service gratuity
Use the full calculator with date-based precision, unpaid leave deduction, and a year-by-year accrual chart.
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