Salary Certificate Saudi Arabia: Free Word & PDF Template

Salary Certificate in Saudi Arabia: What It Must Include (Free Word & PDF Template)

A salary certificate is an official letter from an employer confirming that a person works there, stating their job title, start date, and a full monthly salary breakdown: basic pay, allowances, and the total. Banks, embassies, and landlords ask for it before a loan, a visa, or a lease.

You can now create a salary certificate in the standard Saudi format in under a minute, in Arabic or English, and download it as Word or PDF, using Solvait's free salary certificate tool. The tool holds 16 ready HR letters: salary certificate for a bank, salary transfer undertaking, embassy letter, experience certificate, no objection letter, and more.

This guide answers three practical questions: when the letter is requested in Saudi Arabia, what it must contain so a bank won't bounce it, and how to generate one for free. Then we show how the manual work disappears when an AI HR agent issues the letter straight from the live payroll record.

Key takeaways

• A salary certificate confirms employment and states the salary in detail. It is most often requested for banking, financing, and embassy purposes.

• A correct template carries 6 elements. The most critical are the company stamp and an authorised signature. Banks reject unstamped letters.

• A "salary certificate" states the amount. An "employment certificate" confirms the job only, with no salary.

• You can generate a salary certificate for free, in Arabic and English, as Word or PDF, in under a minute.

• With Solvait AI HR, the employee requests the letter over WhatsApp, and the agent issues it from the live payroll record, stamped and archived, without anyone in HR writing it.

Why are salary certificates requested so often in Saudi Arabia?

Because almost every employee needs one at least once a year. The Saudi labour market had around 18.2 million workers at the end of Q2 2025, according to GASTAT. Each of them may apply for a loan, a mortgage, a visa, or a lease, and every one of those starts with a salary certificate.

Financing is the biggest driver. Consumer loans in Saudi Arabia reached around SAR 479.8 billion in Q1 2025, up 6% year on year, and retail and corporate mortgages totalled around SAR 932.8 billion by the end of Q2 2025, up 15%, according to SAMA (the Saudi Central Bank). Each of those applications needs a salary certificate, and usually a salary transfer undertaking as well.

So HR writes the same letter dozens of times a month. The irony: every number the letter needs already sits in the payroll system, yet it gets re-typed by hand each time.

Who are these letters usually addressed to?

What must a correct salary certificate include?

Six elements. If one is missing, the employee's process stalls or the bank rejects the letter. Here is the full list.

1. Company header: company name and commercial registration number on official letterhead, with the date in both Gregorian and Hijri for Arabic letters.

2. Employee details: full name exactly as on the national ID or Iqama, the ID or Iqama number, and nationality.

3. Job and start date: the job title, the joining date, and whether the employee is still on the job at the date of issue.

4. Salary breakdown: basic pay and each allowance separately, and the monthly total in both numbers and words, in Saudi riyals.

5. Addressee and purpose: who the letter is for and why, with a line clearing the company of liability toward any third party.

6. Signature and stamp: the authorised signatory's name and title, the signature, and the company stamp. Banks reject unstamped letters.

Mistakes that get a letter rejected

The most common one is sending the letter with no stamp, or signed by someone who isn't authorised. Next is salary figures that don't match the payroll record or the Wage Protection System (WPS) file. Another frequent slip is confusing a "salary certificate", which states the amount, with an "employment certificate", which confirms the job only.

One point worth flagging: this letter is issued by the employer on its own letterhead. It is not the official wage certificate issued through the Qiwa platform or GOSI. Many bodies accept the employer letter, but some ask specifically for the government issued one, so check with the recipient first.

How do you create a salary certificate for free (and download it as Word or PDF)?

Use Solvait's salary certificate tool. Pick the letter, enter the details, and download it. The tool shows a live preview of the letter as it builds in front of you, in a ready Saudi format, Arabic and English.It takes five short steps:

1. Company: name, commercial registration number, city, letter date.

2. Employee: name, ID or Iqama number, nationality, job title, start date.

3. Salary: basic, allowances, total.

4. Letter details: addressee and purpose.

5. Signature: signatory name and title.

The tool runs in your browser, and the employee data you type is not stored. To download, you enter your name, title, and work email to open the Word and PDF files. The result is an editable Word salary letter template, or a print ready PDF for signing and stamping.

If you are looking for a salary transfer letter for a bank, it is in the same tool under "salary transfer undertaking".

16 ready letters in one tool

These are the most requested HR letters in Saudi Arabia, all available in Arabic and English:

The list completes to 16 letters, including employment certificates, approvals, termination letters, and more.

From a manual letter to one that issues itself: the role of Solvait AI HR

The free tool solves the format problem. But someone in HR still writes each letter when it is requested. The deeper question: does anyone need to write it at all?

With Solvait AI HR, the employee requests the letter over WhatsApp or Teams: "I need a salary certificate for the bank." The agent then pulls the salary, allowances, and dates from the live HR and payroll record, not from memory, writes the letter in the requested language on company letterhead, stamps it digitally, delivers it, and files it. The HR team watches it happen in seconds. The AI does the work; your team makes the calls.

Solvait is an AI driven human capital management platform built on Microsoft Dynamics 365. It serves more than 260 enterprise clients, with 99.9% uptime, up to 50% time savings, a 30 day go live, and ISO 27001:2022 certification. That context matters: when AI issues dozens of letters with no human touch, administrative HR work can drop by as much as 60% to 70%, per McKinsey's research on generative AI in HR.

Start with one letter today: create a salary certificate for free. And when you're ready to retire the manual work entirely, book a Solvait demo.

FAQ

What is a salary certificate?

It is an official letter from an employer confirming that a person works there, stating their job title, start date, and detailed monthly salary. It is usually requested for banking, financing, embassy, and rental purposes. The letter becomes official once the employer signs and stamps it.

What is the difference between a salary certificate and an employment certificate?

A salary certificate states the amount: basic pay, allowances, and the monthly total. An employment certificate confirms that the person works at the company and their job title only, with no salary. Banks and lenders ask for the first; some processes accept the second.

What is a salary transfer undertaking?

It is a letter in which the employer undertakes to transfer the employee's salary to a specific bank and keep doing so. Banks require it as a condition for approving loans and financing. You will find a ready salary transfer letter in Solvait's tool under "salary transfer undertaking".

Can I download a salary certificate as a Word file?

Yes. Solvait's tool downloads the letter as an editable Word file, or a print-ready PDF for signing and stamping, in Arabic or English. Use Word if you want to edit any clause before approval, and PDF if you want a final letter to print directly.

How long is a salary certificate valid?

There is no single statutory validity period. The requesting body sets the window it accepts, and banks often accept a letter issued within the last one to three months. Request the letter close to when you will submit it, and check the issue date before sending.

Is employee data stored in the tool?

The letter data you type stays in your browser and is not stored by Solvait. To download the Word and PDF files, you provide your name, title, and work email to open them. Inside the Solvait AI HR platform, figures are pulled from the live payroll record within an ISO 27001:2022 certified environment.

References

• McKinsey & Company: Four ways to start using generative AI in HR (supports the 60% to 70% reduction in administrative work).

• General Authority for Statistics (GASTAT): Labor Market Statistics, Q2 2025 (Saudi labour market of around 18.2 million workers).

• Saudi Central Bank (SAMA) via Argaam: Retail, corporate mortgages up 15% to SAR 932.8B in Q2 2025 and Consumer loans Q1 2025 (financing demand behind the letter).

• PwC Middle East: Workforce Hopes and Fears Survey 2025 (AI adoption at work in Saudi Arabia).

• Solvait: Salary certificate and HR letter templates tool (letter components and the 16 templates).