Questions & Answers
Questions & Answers
3 available 3 • View allCan the bank hold my EOSB and last salary against my credit cards and loan?
6
Q: I changed my job and received my EOSB from my previous employer, however, my bank is holding this amount.
Unfortunately, my previous employer didn’t separate my final salary and gratuity as the details on my transaction state EOSB. I found out that this shouldn't be the case and understood that the Employer is responsible to separate this.
Is there a way I can get the salary amount to my disposal and the bank keeps the rest against my outstanding credit cards & loan?
Please note that I have not missed any payments against my outstanding I have provided the bank with my new visa, salary certificate, Emirates ID as requested.
Still, I have been told they will not release my EOSB. I have already received a new employment salary on the same account. I would be grateful for your advice.

Aug 5, 2021
1914
Bank account of a terminated employee
7
Q: I need your assistance, please.
I believe that the Central Bank of the UAE may freeze the bank account of a terminated employee. We have a client in the UAE and need to know what the employer’s obligation is to inform the bank when an employee’s contract is being terminated.
Is there a specific format that must be used to inform the bank or what is expected of the employer?

May 16, 2016
12105
How to transfer salary to another bank after I signed an MoU to buy a property on mortgage?
1
Q: Hi,
I have recently signed an MoU to buy a property and a bank has offered me a good loan package so I want to sign with them.
Therefore, I have asked my employer to produce a Salary Transfer Letter (STL) to be able to sign my loan with this bank.
Just to clarify, I have no loan with any bank, I just have a credit card with my current bank (never had any issue on it). To produce the STL my employer needs a non-objection letter (NOL) from my bank or a No Liability Letter (NLL).
My current bank said the first option is impossible as "they do not have a template for that" and they can only produce a non-liability letter (NLL), however, this is not possible as it takes 45 days after card's cancellation to get the NLL.
My question is: Does my employer really need a NOL or NLL to be able to transfer my salary to another bank? (He never signed anything with my bank).
Employer says there is a tacit agreement between employer and bank when the salary gets transfered to the bank, is that true?

Jul 20, 2022
410
Legal blog
1 available 1 • View allAn Overview of the New UAE Labor Law and Recent Amendments of 2024 233
The UAE has adopted a major reform in its legislative system that brought about 40 new laws and amendments to the company law, criminal law, personal status, among others. The amendments aim to develop the legislative structure in various sectors, the labor law being one of these, was the most recent. We try in this article to shed light on the changes introduced with the new labor law and their significance on both, the employer and employee.
Sep 10, 2024
92059
Laws & Regulations
3 available 3 • View allFederal Law No. (8) of 1980 Concerning the Regulation of Labor Relations 53
The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.
Apr 20, 1980
103722
Federal Decree-Law No. (33) of 2021 On the Regulation of Labor Relations 34
The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).
Sep 20, 2021
26824
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
Dec 15, 1985
148515

Other answers by
Unregulated Forex scam in UAE: Should we hire a lawyer or report to the police? 3
Hi Lawyers,
Many individuals have invested in a Forex trading company based in the UAE.
Should we hire a lawyer to file a case, or can we report it to the police station to summon the involved party, allowing them to settle and refund our money?
The company is not regulated in the UAE, yet it accepts payments in the UAE and manipulates trades, causing clients to lose their money.
Please help us.
Thank you!
Dec 7, 2023
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How to recover money when the borrower disappeared without a security check? 2
Good day,
One person owes me 50,000 dirhams and was supposed to return the entire amount, including the monthly investment with 5% interest.
However, he has suddenly disappeared and is not returning the principal amount or the interest. I have not received any security check from him.
Can I take him to court or explore other options to ban him in this country?
Dec 7, 2023
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Filing an infidelity complaint with the Dubai police 1
Hi,
I need help in filing an infidelity complaint with the Dubai police. The perpetrator is a serial sex abuser who holds an EU passport and resides in Dubai.
He is English-speaking. Please provide me with the necessary procedures and post-submission processes.
I can verify the power of attorney (POA) via UAE Pass.
Nov 20, 2023
422
My employer is not willing to cancel my visa. Can I cancel it by waiting six months outside the UAE? 0
I am in India right now and I wanted to cancel my work visa in the UAE but my employer is not willing to cancel it.
If I stay more than 6 months, will my visa be canceled automatically?
After that, will I face any problems coming back to find a new work or when I get a new visa?
Nov 17, 2023
857
I have a travel ban issued from the UAE due to an unpaid credit card. Can I travel to KSA? 1
I have a travel ban (blacklisted) issued from the UAE due to an unpaid credit card outstanding (approx AED 20k).
Can I enter Saudi Arabia on a visit visa (French citizen) and how long will the travel ban last?
Nov 8, 2023
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Premium
Other answers by
How can we claim our money back if the cheque we received have bounced for insufficient funds? 0
We received a cheque which has now bounced. We have tried for over a month and a half now to get a new cheque from the person, and every day he says the next day.
We need the money now. We have been to the police station, and they said they can not do anything as the reason the cheque bounced is "Insufficient funds."
We have been to Al Barsha - Dubai Courts, and they said there is nothing they can do about it.
We are not sure what we can do. We need the money asap to pay our kids' school fees, let alone all the interest we have lost.
Apr 28, 2025
29
Who is supposed to pay for the transfer fee, the employee or the employer? 0
Hello
I joined my new company on February 26, 2025. Upon joining the new company, I asked HR if it was free to join the company, and she said yes.
After working with them for 1 month, I experienced a salary delay, and I had to go to the office to ask why there was a delay in my salary.
That is when the HR told me she deducted my whole salary to recover the transfer fee.
Now my question is, who is supposed to pay for the transfer fee, the employee or the employer?
Apr 28, 2025
14
Is it possible for a foreigner to get a divorce in Dubai? 0
Is it possible for a foreigner to get a divorce here in Dubai?
Apr 28, 2025
8
After 11 months of work, how many leave days is an employee entitled to? 0
Hello,
I want to inquire regarding my leave privileges. I am now 11 months in my company. How many leaves am I privileged to?
Based on Decree-Law No. 33 of 2021 regulating labour relations and its executive regulations, you are entitled to a paid weekly rest for not less than one day, as specified in the work contract or the work regulation.
The Council of Ministers may increase the weekly rest day stipulated in this article. The Decree-Law and its executive regulations also stipulate that you are entitled to an annual leave with full pay as follows:
- Thirty days for each year of your extended service.
- Two days per month in respect of any employee with more than six months and less than one year of service.
- Leave for parts of the last year of your service in case it is terminated before you use your annual leave balance.
Now my question is: do I have 22 days I can use? Can someone explain to me in detail?
Thank you!
Apr 28, 2025
22
Can I sell branded replica watches online, not in a physical store? 0
Hello,
Can I sell branded replica watches online, on Facebook Marketplace, etc.?
Not in a physical store, just online.
Apr 27, 2025
19
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