If I have no loan, credit card, or any other liability against a bank, where is my EOSB sent by my company?

If you have a loan or an amount due, it will be deducted from the reward.

Dear Inquirer,

Thank you for your message.

If you have no outstanding loans, credit cards, or financial obligations with the bank, they generally cannot freeze or block your account without a valid legal reason.

However, certain actions—such as visa cancellation or employer instructions—may trigger temporary holds depending on bank policy.

To assess your specific case and ensure your rights are protected, we recommend booking a legal consultation or authorizing our office to act on your behalf.

Best regards.

Hii,

Thank you for your inquiry.

Based on the current provisions of UAE Labour Law and banking regulations, if you have no outstanding liabilities (such as loans or credit cards) with the bank where your End of Service Benefits (EOSB) are deposited, and there is no court order or police case against you, the bank is not legally permitted to block your account or restrict access to those funds.

EOSB is recognized as part of your lawful entitlements under UAE law. Banks may only freeze accounts under specific legal grounds, such as debt recovery or official investigations.

Should your account be blocked without a valid reason, you have the right to file a formal complaint with the bank and, if necessary, escalate the matter to the Central Bank of the UAE or seek legal redress.

If you’d like to proceed with a detailed consultation or require assistance in drafting a complaint or communication, we’d be happy to support you further.

Best regards,

Hello,

If you have no outstanding loan, credit card, or liability with the bank where your End-of-Service Benefits (EOSB) are transferred, the bank should not block your account or restrict your access to those funds.

However, in some cases, banks in the UAE may place a temporary hold if they detect that your residency visa has been cancelled and no proof of ongoing employment or visa transfer is provided.

This is generally a precautionary measure and not an automatic action. To avoid any issues, it is advisable to inform your bank in advance, confirm that there are no outstanding liabilities, and request in writing that no hold be placed on your account.

If your account is blocked without valid justification, you have the right to raise a complaint with the bank and, if needed, escalate the matter to the Central Bank of the UAE.

At One CorpLegal, we can assist you in drafting formal communications to the bank or filing a complaint if necessary.

For further assistance, please contact us by email. If you found this answer helpful, please consider liking it.

Regards,

One CorpLegal Consultancy Services FZC

If you have absolutely no outstanding loans, credit cards, or any other financial liabilities with the bank where your End of Service Benefits (EOSB) are deposited, then the bank generally does not have a legal right to block your account or prevent you from withdrawing your EOSB.

If you need further clarification, we will discuss more. Kindly share your WhatsApp number to proceed.

Thank you for your question.

If you do not have any outstanding loans, credit cards, or liabilities with the bank, the bank has no valid reason to block your account or stop you from withdrawing your End of Service Benefits.

However, in some cases, banks place temporary holds if the EOSB amount is unusually large or if the account is under review, but such actions should be resolved quickly upon clarification.

If your account is still blocked despite having no dues, you have the right to formally dispute it with the bank and escalate the matter to the Central Bank if necessary.

I can assist you in addressing this with the bank and ensuring your funds are released without delay.

Please feel free to reach out to me on WhatsApp or call me directly to discuss further.