UAE Salary Transfer Bonus and Commitment Tracker
Compare nine banks using your salary and nationality, then plan your transfer dates. Four source-backed cash formulas are modelled; prize draws, expired offers and unverified bonuses are labelled separately.
Your transfer details
Salary and dates stay in this browser. No sign-in required. Default dates are editable planning assumptions.
Conditional value, after your quoted costs
Estimates assume all published eligibility rules are met. Enter each bank’s total costs over its reward/commitment period to see net cash; a blank cost remains unknown. Include account/card charges, plan fees and any costs your signed offer requires. Savings interest, prize value and loan-funded rewards are excluded.
| Bank / status | Conditional cash bonus | Your costs over reward period · AED | Net after entered costs | Plan |
|---|---|---|---|---|
| Conditional · source-backed | AED 600 | Enter verified costs | ||
| Planning only | Not estimated | Enter verified costs | ||
| Conditional · source-backed | AED 3,000 | Enter verified costs | ||
| Conditional · source-backed | AED 1,000 | Enter verified costs | ||
| Prize draw | Not estimated | Enter verified costs | ||
| Planning only | Not estimated | Enter verified costs | ||
| Conditional · source-backed | AED 1,000 | Enter verified costs | ||
| Planning only | Not estimated | Enter verified costs | ||
| Plan benefit | Not estimated | Enter verified costs |
Totals cover the campaign reward, which may be paid beyond the first year. Match entered costs to that payout/commitment period. Modelled costs are your entries and are not bank quotes. Do not open credit or finance solely for a bonus.
NEO salary bonus
Assumes first-ever qualifying salary and lifetime eligibility. First salary locks the tier; all bank conditions still apply.
Source reviewed: 2026-10-22. No fixed campaign end independently established.
- First-ever qualifying NEO salary; prior lifetime bonus recipients, Gold/Private customers and Mashreq staff are excluded.
- Employer salary must use recognised salary channels; first credited salary locks the tier.
- Early amount requires the first salary within 90 days of the first-ever Mashreq account opening.
Payment timing and reversal conditions
12 equal monthly instalments, starting within 90 days of the first salary. A missed/sub-AED 5,000 month loses that instalment; salary reductions can reduce later payments.
Two consecutive missing salary credits during the 12-month bonus period can reverse all cashback already paid.
1 November 2027 · 12-month salary commitment review. Confirm the actual bonus period and credits before switching.
An editable reminder from first salary, not a verified penalty-free exit date. Mashreq’s verified 12-month check is retained separately.
A calendar reminder does not prove that a commitment is complete. Check every required credit, actual payout date and signed terms before moving salary.
Read Mashreq Neo’s official termsCompare minimum balances and account fees · Understand our verification and calculations
How to use this UAE calculator
Separate a campaign from a normal account
A current account, a savings rate and a salary-transfer cash bonus are different products and conditions. Choose your monthly salary and UAE-national or expat status, then review which campaign has a published, current route for those inputs. A bank appearing in the tracker does not mean it has a verified cash bonus today. Unknown, targeted, expired or relationship-dependent offers should remain clearly labelled rather than being assigned a generic amount from an old advertisement.
Compare net cash after real account costs
Read the qualifying salary tier, first-credit deadline, payment schedule and commitment before comparing the largest headline. For a hypothetical AED 3,000 bonus with AED 600 of unavoidable account costs over the commitment, the net is AED 2,400. This example is arithmetic, not a bank offer. Interest on savings requires a separate balance, eligible period and rate assumption; do not add a promotional annual rate as if it were a cash joining bonus on your whole salary.
Use your actual opening and salary dates
Enter when the account opened and when the employer’s first qualifying salary credit should arrive. The bank may require a recognised payroll channel rather than a transfer from your own account. A deadline described as ninety days is different from the end of a named month. Calendar reminders help you remember these milestones but cannot establish that a bank has received, recognised or approved a salary credit. Confirm the actual value date and campaign registration where required.
Check clawback before moving salary again
A payout does not always end your obligations. Minimum salary months, missing-credit reversals, closure fees and other campaign clawback rules can continue after an instalment is paid. Use the published commitment where one is verified; otherwise enter the period in your signed offer as a planning assumption. Download the calendar file and retain the bank’s terms separately. A reminder date is a review point, not permission to close an account or switch salary without confirming the consequences.
Read the exact AED value formula · Explore the UAE money guides
Official sources and review date
Tool explanation reviewed 2026-10-22. Product-specific source dates remain attached to their records.
Calculator questions and assumptions
Does every bank in the tracker have a cash bonus?
No. Some entries provide a verified current campaign, while others allow a commitment reminder or require bank confirmation. An unsupported or expired bonus should not be treated as a zero-condition cash entitlement.
Can I transfer money myself to qualify as salary?
Do not assume so. Banks can require an employer-recognised payroll or salary channel. Read the exact campaign definition and check whether your employer’s credit will be recognised before relying on the bonus.
What does the calendar download do?
It creates reminders for the dates in your plan. It does not contact a bank, enrol you in a campaign, confirm payment or cancel a salary-transfer commitment. Verify those events directly.
Where is my saved tracker plan stored?
The optional saved plan stays in this browser’s local storage. Clearing browser data or using another device can remove it. Download reminders and keep the actual bank offer for your records.