Salary Transfers, Payslips & End-of-Service Benefits for Expats — 2025 Guide

TL;DR

• WPS: On‑time banked wages + employer file uploads via Mudad. HRSD monitors compliance.

• Payslips: Keep monthly PDFs and matching bank statements; they are your proof of income.

• EOS: Article 84 baseline; check Article 85 for resignation cases. Use HRSD/Qiwa calculators for exact numbers.

• WPS basics (for employees)

• What is WPS? A program to observe wage payment—amount and timing—through bank channels. Employers submit payroll files via Mudad; HRSD tracks delays and mismatches. citeturn0search8turn3search0

• Why it matters: Bank statements and payslips must align; discrepancies can trigger compliance follow‑ups.

• Your action: Keep statements and payslips in a single monthly folder.

Payslips & proof bundles

Monthly pack:

• Latest payslip PDF (name, Iqama, basic salary, allowances, deductions).

• Matching bank statement (value date, net pay).

• Employment letter if needed for visas or rentals.

Visa/rental pack (3–6 months):

• Stamped bank statements or e‑stamps.

• IBAN letter, employment letter, and Ejar lease (if relevant). citeturn3search14

Payslip anatomy (what to check):

• Basic salary vs allowances, net pay, IBAN, overtime, leave encashment, EOS accrual (if shown).

EOS rules & calculators

• Article 84: Employer pays an award based on last wage—half‑month per year for first five years; one month per year thereafter; pro‑rated.

• Article 85: Resignations are treated differently (reduced entitlement depending on tenure). Use the calculators.

• Official calculators: HRSD and Qiwa tools reflect the current rules.

Worked example (illustrative):

• Last wage SAR 12,000; tenure 6y; termination → Award = 5×5 + 1×1 = 5 months ⇒ SAR 42, Use official calculators for your scenario.

90‑60‑30 exit checklist

• T‑90: Download 12 months of payslips/statements; run HRSD/Qiwa EOS estimate. citeturn3search1

• T‑60: Confirm last working day; ask your bank about No Liability letter requirements.

• T‑30: Settle cards/loans; collect No Liability letters; confirm EOS transfer reference; save PDFs.

Templates (EN/AR)

Salary delay (EN) and (AR); EOS settlement receipt; Bank salary confirmation—see templates below.

Disputes & complaints

• Raise with HR; if unresolved, file at HRSD Complaints portal. Attach contract, statements, payslips, calculator results, and timeline.

FAQs

How WPS files flow (high‑level)

1) Employer prepares a wages file per WPS technical specs.

2) Bank processes the file and credits employees; mismatches and delays appear in Mudad dashboards for HRSD oversight.

3) Establishments must observe submission windows (e.g., 30 days) per HRSD announcements.

Templates (copy‑paste)

Bank salary confirmation request (EN)

Dear [Bank], please confirm salary credits for [months] to IBAN [SA…] for visa purposes. Kindly provide a stamped statement.

EOS settlement receipt (EN)

I, [Name], confirm receipt of End‑of‑Service Benefits on [date] to IBAN [SA…]. Amount: SAR [x].

Payslip anatomy (field checklist with examples)

When you receive your payslip each month, validate the following in under five minutes:

1) Identity details: Full name (Latin/Arabic if shown) and Iqama number match your bank profile. 2) Period covered: The work period end date aligns with the value date on your bank statement. 3) Components: Basic salary, transport/housing/other allowances, overtime, bonuses, deductions, and net pay. 4) IBAN on file: Cross‑check the IBAN displayed (if any) with your current bank account to avoid misdirected credits. 5) Leave/OT: Accrued leave balance and any overtime entries reflect actual approvals. 6) EOS accrual: If the payroll system shows an accrued EOS figure, note it monthly for trend tracking (this is informational; the legal basis is Articles 84–85).

Mini‑audit: Save the payslip as YYYY‑MM_payslip.pdf and the matching statement as YYYY‑MM_statement.pdf in a secure folder. If anything is off, open a ticket with HR the same day.

12‑month payroll health check (repeat quarterly)

• Reconcile totals: Sum your 12 payslips and compare with total salary credits on bank statements.

• Variance log: Record late/short payments and the reason (system outage, holiday cut‑offs, HR correction).

• Allowances sanity check: Verify that allowances promised in your contract are consistently paid.

• Employer switch: If your company changes payroll bank or platform, watch the first two cycles closely.

• WPS visibility: Ask HR if any payroll files were rejected by Mudad and why (format, timing, mismatches). citeturn3search0

EOS deep dive — scenarios, edge cases & coordination

Always verify your specific case using official calculators and your employment contract.

Core formula (Article 84 — termination at employer’s initiative)

• First 5 years: 5 × last monthly wage × years of service

• After 5 years: 0 × last monthly wage × additional years

• Partial years: Pro‑rated by months

Resignation (Article 85 — reduced awards)

• Entitlement varies by length of service. Confirm via calculator; attach the PDF result to your HR email.

Example set (illustrative numbers)

• Termination after 2 years, last wage SAR 8,000:

Award = 0.5 × 8,000 × 2 = SAR 8,000 (two half‑months).

• Termination after 7 years, last wage SAR 13,000:

Award = (0.5 × 13,000 × 5) + (1 × 13,000 × 2) = SAR 71,500.

• Resignation after 4 years, last wage SAR 10,000:

Use Article 85 via calculator; result is a reduced fraction of the termination baseline. citeturn3search1

Coordination tips

• Last wage definition: Clarify what your employer treats as “last wage” for EOS purposes (basic vs total). The law references last wage; practice can vary by policy/contract—document your understanding.

• Leave encashment & overtime: These are separate from EOS; ensure they are closed on the final payroll.

• Bank readiness: Notify your bank that an EOS lump sum is expected; avoid automatic debits bouncing during job transition.

Exit timeline in detail (90‑day project plan)

T‑90 to T‑61

• Export last 12 months of payslips and bank statements; rename and file.

• Run HRSD (and Qiwa) calculators for preliminary EOS numbers. Print to PDF and save both. citeturn3search1turn3search4

• Draft a question list for HR (unused leave, bonuses, deductions, last working day).

T‑60 to T‑31

• Request a draft final settlement schedule (final salary, EOS, leave encashment).

• Ask your bank for the No Liability checklist (credit card/loan closures).

• Confirm whether company property (laptop, phone, car) affects the clearance sequence.

T‑30 to T‑15

• Pre‑pay or close credit cards; set autopay to avoid late fees during handover.

• Submit clearance letters to landlord/utilities if you’re moving out.

T‑14 to T‑0

• Collect No Liability letters and stamped statements; return company assets.

• Confirm EOS transfer reference and value date; store receipts with a filename like EOS_YYYY‑MM‑DD_receipt.pdf.

• Verify your Iqama and Ejar lease status if you plan to exit KSA soon after payment. citeturn3search14

Enforcement & consequences (plain English)

• For employers: HRSD tracks WPS compliance via Mudad; non‑compliance can trigger inspections, service restrictions, or penalties (per HRSD announcements).

• For employees: Organized records are your leverage. Keep tickets, emails, and stamped statements. If escalation is needed, a chronological bundle wins.

Templates & scripts (EN/AR)

1) HR ticket — payslip/credit mismatch (EN)

Subject: Payroll discrepancy — [Month, Year] Dear HR/Payroll, the net pay on my payslip (SAR [x]) does not match the bank credit (SAR [y]) on [date]. Kindly investigate and confirm the corrected value date. Attached: payslip PDF and statement PDF. Regards, [Name, Iqama]

(AR)

«الموضوع: اختلاف في مسير الرواتب — [الشهر/السنة] عزيزي قسم الموارد البشرية/الرواتب، صافي الراتب في مسير الرواتب (‎[x] ريال) لا يطابق الإيداع البنكي (‎[y] ريال) بتاريخ [التاريخ]. نرجو التحقق وتأكيد تاريخ الإيداع الصحيح. المرفقات: مسير الراتب وكشف الحساب البنكي. مع الشكر، [الاسم، الإقامة]»

2) Bank — stamped statement request (EN)

Dear [Bank], please issue a stamped statement for IBAN [SA…] covering [From–To]. This is for embassy/tenancy documentation. Kindly advise collection time.

(AR)

«نرجو إصدار كشف حساب مختوم لآيبان [SA…] للفترة [من–إلى] لأغراض السفارة/الإيجار. فضلاً تزويدنا بوقت الاستلام.»

3) HR — EOS finalization (EN)

Dear HR, please confirm the EOS amount and value date, and provide a written breakdown (EOS award, leave encashment, deductions). I’ve attached the calculator PDF for reference.

(AR)

«نرجو تأكيد قيمة مكافأة نهاية الخدمة وتاريخ الإيداع مع تفصيل المكونات (المكافأة، بدل الإجازة، الحسميات). أرفقت نتيجة الحاسبة للمراجعة.»

Disputes & complaints — step‑through

1) Internal escalation: Manager → HR → Payroll → HR Director; keep ticket numbers and dates. 2) External escalation: File with HRSD Complaints; attach contract, payslips, statements, calculator outputs, and a brief timeline. 3) Follow‑up: Attend scheduled sessions; bring originals and PDFs on a USB drive. Keep a call log.

Big FAQ (practical)

Can my employer pay me in cash? — WPS expects banked wages with Mudad reporting. Cash risks non‑compliance.

What if my account is frozen due to KYC? — Work with your bank to refresh KYC; ask HR for re‑credit after resolution if a salary bounced.

Does EOS include allowances? — The law references last wage; confirm your employer’s policy/contract and validate with HRSD/Qiwa calculators.

How long does EOS take to arrive? — Practices vary; ask HR for value date and transfer reference; don’t exit the country until funds clear.

What if I changed banks mid‑year? — Provide the new IBAN to HR; verify the first cycle; update any direct debits/wallet top‑ups.

Can I get an interim salary certificate? — Many banks issue salary letters showing average credits; confirm format with your embassy/landlord.

How do I prove income for a mortgage/loan abroad? — Package stamped statements, payslips, contract, and WPS explanation letter if requested by foreign lenders.

Glossary

• WPS (Wage Protection System) — HRSD framework to monitor wage payments via banks.

• Mudad — HRSD payroll compliance platform.

• Value date — Date funds become available.

• EOS (End‑of‑Service) — Award due at termination/resignation per Articles 84–85.

• Qiwa — Government labor services platform (EOS calculator available).

• Stamped statement — Bank statement with physical/electronic stamp for official use.

Document retention (what to keep and for how long)

• Monthly: payslip + statement PDFs (keep 3+ years).

• Annual: employer confirmation of total compensation.

• Exit: EOS receipt, No Liability letters, final stamped statement, and HR clearance forms (keep indefinitely).

Final checklist (printable)

• Monthly payslip + statement saved

• Variance log updated

• Next visa pack (3–6 months) compiled

• EOS calculator screenshots saved

• Bank No Liability requirements known

• Exit timeline calendarized

Real‑world scenarios (how to handle them)

1) Salary around public holidays

• What happens: Payroll cut‑offs can shift; value dates may land right before/after holidays.

• What to do: Ask HR for the holiday payroll calendar each quarter; keep a small buffer so standing orders don’t bounce.

2) Name change or passport renewal

• What happens: Bank KYC flags may freeze transfers.

• Fix: Update your passport in Absher, re‑verify with your bank, and notify HR of any name/ID changes to prevent payroll rejections.

3) Changing jobs within KSA

• What happens: EOS from employer A, new salary from employer B, overlapping benefits.

• Fix: Keep both accounts open for one cycle; request No Liability from bank/credit card; ensure EOS lands before closing the old account.

4) Commission/bonus roles

• What happens: Variable pay causes month‑to‑month swings.

• Fix: Keep a variance sheet; for embassy paperwork, include a letter from HR explaining your compensation structure.

5) Short tenure resignations

• What happens: Reduced/rescinded EOS under Article 85 depending on tenure.

• Fix: Run the HRSD/Qiwa calculators and attach to your resignation letter to set expectations.

6) Salary paid to the wrong IBAN

• What happens: The transfer is rejected or sits pending.

• Fix: Ask HR/bank to trace; once returned, share the correct IBAN and request a same‑day re‑credit (with value date alignment if possible).

7) Final exit within days of EOS

• What happens: Risk of leaving before funds clear or before bank letters are issued.

• Fix: Avoid booking flights until EOS value date is visible in your statement; obtain No Liability first.

Embassy & tenancy paperwork (sample letters)

Income verification letter (EN — to be on company letterhead)

To whom it may concern, This is to confirm that [Name], Iqama [number], is employed as [title] with a monthly salary of SAR [x] plus allowances. Salary has been credited via bank transfer in accordance with the Wage Protection System. Please find attached stamped bank statements and payslips for the last six months. Sincerely, [HR signatory]

Employer tenancy support letter (EN)

Dear Sir/Madam, Our employee [Name] is entering into a residential lease. We confirm the above income and employment status. Kindly contact [HR contact] for verification.

Payroll & HR abbreviations (quick glossary)

• BASIC — Basic salary component.

• ALLOW — Allowances (housing, transport, etc.).

• OT — Overtime.

• NET — Net pay after deductions.

• EOSB — End‑of‑Service Benefit.

• DOJ/LWD — Date of joining / last working day.

• COE — Certificate of employment.

• NOL — No Liability letter (bank).

• WPS/Mudad — Wage Protection System / payroll compliance platform. citeturn0search8turn3search0

Worked timeline example (numbers illustrate method)

• Jan–Mar: Basic SAR 10,000 + allowances SAR 2,500 = net ~12,500; credits on 28th each month.

• Apr: Overtime SAR 800; credit on 26th due to holiday cut‑off.

• May: Bonus SAR 5,000; value date on 29th; keep bonus letter in folder.

• Jun: Salary lands on 30th; payslip shows new IBAN after bank change.

• Jul–Sep: Regular pattern restored; verify that Mudad reports matched (ask HR). citeturn3search0

• Oct: One‑day delay; HR cites bank processing; log incident with email.

• Nov–Dec: Normal. Visa pack compiled for January embassy appointment.

Coordination with banks (before/after EOS)

Before EOS

• Clear pending dues; disable automatic purchases that could post during transition.

• Ask for a temporary credit limit reduction if you’re worried about charges during exit.

After EOS

• Download a final stamped statement showing EOS credit.

• Close or downgrade products you won’t use; keep the account open if you need it for outbound remittances for a short while.

Extended Q&A (tough cases)

Putting it all together (one‑page summary)

• Keep a single Payroll folder with month‑named PDFs.

• Reconcile payslips vs statements monthly; log variances.

• Use official calculators for EOS and keep outputs. citeturn3search1turn3search4

• Don’t exit KSA before EOS clears and No Liability letters are in hand.

• If disputes arise, escalate with a structured bundle.

Holiday & cut‑off calendar (how to plan)

• Create a shared calendar labeled Payroll. Mark national/public holidays and your company’s internal payroll cut‑offs.

• Add reminders: T‑5 days for HR to confirm file submission; T‑2 days to check pending credits; T‑0 to verify value date on your statement.

• For international transfers scheduled right after payday (rent/remittances), use T+1 rules to avoid returned transfers due to late salary landing.

Remote handling (if you travel or relocate)

• Before travel: Download the latest payslips/statements; set app biometrics and roaming.

• If salary is late while abroad: Open an HR ticket, attach your statement screenshot, and ask for an update on Mudad submission and expected value date. citeturn3search0

• If EOS lands while abroad: Request a PDF receipt and keep a local copy; if account closure is needed, ask your bank about secure remote processes.

Advanced EOS examples (illustrative)

• Indefinite contract, 11 years, last wage SAR 15,000, employer termination:

Award = (0.5 × 15,000 × 5) + (1.0 × 15,000 × 6) = SAR 157,500.

• Fixed‑term contract completed, 5 years, last wage SAR 9,000:

Baseline uses Article 84 and pro‑rates the last half‑year; confirm exact result with the calculator.

• Resignation at 7 years:

Use Article 85 to determine the reduced fraction vs the termination baseline; attach calculator output to your notice.

HR handover blueprint (one pager to share with HR)

• Confirm last working day and final salary value date.

• Provide IBAN and request EOS transfer reference.

• List company assets with serial numbers and planned return dates.

• Ask for service letter/COE and a digitized signature.

• Request email confirmation that WPS files reflect the final salary status. citeturn0search8

Ten common pitfalls (and how to avoid them)

1) No payslip archive → Set calendar reminders to download every month. 2) Salary IBAN typo → Share IBAN via PDF letter, not manual typing. 3) Exiting before EOS clears → Wait for the value date and receipt. 4) Ignoring credit card closure → Pre‑close or block automatic debits. 5) Not reading the Ejar exit clause → Know notice and handover rules. 6) Assuming allowances are part of EOS → Verify last wage definition in contract. 7) Disputes without documentation → Compile a bundle before escalating. 8) Skipping bank No Liability letters → Some visas abroad ask for them. 9) Unclear resignation timing → Align with payroll cut‑offs to avoid partial‑month confusion. 10) Missing HR confirmations → Always ask for written value dates.

Extended FAQ — part 2

Closing note

Your salary and EOS are among the most important financial flows you’ll manage in KSA. Treat them like a project: documented, calendared, and backed by official calculators and bank proofs. If something slips, escalate early—with paperwork.