Calculate WPS-compliant salary disbursements and understand the SIF file format for Emirates NBD, Mashreq, ADCB, FAB, and other UAE banks. MoHRE-aligned, real example included.
The actual WPS SIF file submitted to your bank includes the gross salary breakdown, employer details, MoHRE labour-card numbers, IBANs, and signature fields per the bank's published schema. Each UAE bank has a slightly different format.
Example: 5-employee Dubai office monthly WPS via Emirates NBD
Peoplifi generates the SIF file in the exact format your bank requires — but the actual upload happens through your corporate banking portal (smartBUSINESS, Business Online, ProCash, etc.). UAE banks require the upload to come from an authorized signatory's session, not a third-party API.
Toggle the WPS Agent in Peoplifi → Settings → WPS Banks. Existing employee IBANs need updating to your new bank's accounts (CSV bulk import available). The next WPS cycle generates the new bank's SIF format.
Yes — limited exceptions exist for very small establishments (typically under 5 employees), domestic workers (covered by separate framework), and certain free-zone categories. But for the vast majority of UAE private-sector employers, WPS is mandatory.
Same business day or next business day for most banks, depending on the time of submission. WPS files uploaded before noon typically settle the same day; files after 2 PM may settle the next business day.
Starting at AED 5,000 per delayed employee per month under recent MoHRE penalty schedules, with escalating fines for repeated violations. Repeated non-compliance can trigger establishment blacklisting and suspension of new work-permit applications.
Peoplifi runs these calculations automatically for every employee, every pay cycle — with FBR, EOBI and bank-sheet exports included.