UAE WPS SIF File Generator

How the UAE Wage Protection System works

The WPS is the UAE's federal mechanism for ensuring private-sector workers are paid in full and on time. Employers must transfer monthly wages through a MOHRE-approved agent (a bank, exchange house, or money services firm), which forwards each payment to the worker's individual account and reports the transactions to both MOHRE and the UAE Central Bank.

Authority: Federal Decree-Law No. 33 of 2021 on the regulation of employment relations, Article 22; Ministerial Decree No. 43 of 2022 on the WPS; UAE Central Bank Regulatory Framework for Stored Values and Electronic Payment Systems.

What a SIF file contains

A Salary Information File (SIF) is the pipe-delimited (|) text file you upload to your WPS agent bank's portal. Each file contains exactly one Employer Detail Record (EDR) followed by one Salary Card Record (SCR) per employee.

• EDR — employer ID, agent bank code, file creation timestamp, salary period, number of SCRs in the file, total salary amount in AED, currency code, and a unique reference number.
• SCR — employee MOHRE labour-card number, employee IBAN, employee routing/agent code, period start, period end, days worked, net salary, basic salary, allowances/variable income, and deductions.

The three rejection codes that account for ~80% of failed SIFs

• Code 304 — IBAN format invalid: UAE IBANs are exactly 23 characters: AE + 2 check digits + 3-digit bank code + 16-digit account. This generator validates the length and structure inline.
• Code 207 — Deduction exceeds 50% cap: Article 22 limits total deductions to 50% of monthly wages except for narrowly defined statutory cases. Anything above triggers automatic rejection.
• Code 119 — Period mismatch: Payment date must be ≤15 days after period end. Late submissions trigger MOHRE penalties starting 1,000 per worker per month.

Source: MOHRE WPS Agent Bank Manual v3.2; UAE Central Bank Wage Protection Circular 4/2023.

What this tool does — and does not — do

Does: generates a syntactically valid SIF that passes the most common WPS agent bank pre-checks. Validates IBAN length, 50% deduction cap, salary period coherence, and required EDR fields. Runs entirely in your browser — no salary or employee data is transmitted to HIBR servers.

Does not: verify employee MOHRE labour cards against the live MOHRE database, validate that the agent bank code is actually registered, or confirm employee IBAN ownership. Those checks happen on the agent bank side after submission. This tool is for SIF file preparation, not final regulatory submission.

Where this fits in the HIBR ERP

HIBR's payroll module auto-generates WPS SIF files from your live employee records every payroll cycle, with the Article 22 deduction cap enforced before generation. End-of-service gratuity (Article 51) is calculated automatically on offboarding. You also get a built-in approvals workflow so finance and HR don't ping each other on WhatsApp every month-end. Join the beta to skip the manual SIF process from launch.