Pension question, UAE
Is there a UAE pension for expats?
The UAE pays no state pension to expatriate workers. A private sector expatriate earns an end of service gratuity instead, and only from one full year of continuous service: 21 days of basic wage per year for the first five years, 30 days per year after that, capped at two years' wage.
- Source: u.ae, gpssa.gov.ae, difc.com, read 3 October 2026
What to do next
- List each UAE employer, the emirate or free zone it was licensed in, and your dates.
- Find your last basic salary on a payslip or contract.
- Run our free check to see which other countries may hold a pension in your name.
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Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.
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Is there a savings scheme instead of the gratuity?
Since 2023 an employer may instead subscribe you to the voluntary savings scheme at 5.83 per cent of monthly basic salary, rising to 8.33 per cent after five years, paid into a fund approved by the Securities and Commodities Authority.
- Source: u.ae, gpssa.gov.ae, difc.com, read 3 October 2026
Do you give advice on what to do?
No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.