I am an Employer
Making contributions

Following enrolment you’re all set to start making contributions. This section informs you about the types of contributions to be made

Here are the types of contribution to consider:

Type of contribution

First contribution

Follow these steps to complete your first contribution as an employer

Enrol into DEWS.

Upload a contribution file with a list of your participating employees and details of their contributions. The format of this file will be available in January 2020.

Transfer your contribution payments.

As a participating employer, you can make your contributions by transferring the total contribution due for the month to the bank account of the Master Trustee. You will be given a unique reference for the payment which you will need to use when you make the payment.

The minimum contribution amounts differ by length of service with each employee’s tenure being calculated from the day they started employment. Contributions will become due from the month following the launch of the plan. So when DEWS launches on 1st February 2020, contributions for 1st February 2020 will be due by 21st March 2020.

All contributions should be made in US Dollars.
The contribution file template will be made available soon

Ongoing contributions

Follow these simple steps to ensure your contributions are up-to-date and to support your employees invest their contributions to secure their financial futures:

The monthly process for updating employee information and updating contributions is simple. All you need to do is upload the latest contribution file on the DEWS portal on a monthly basis, showing that month’s contribution for employees, along with information on new joiners and leavers.

Once the contribution file is successfully uploaded, you can transfer the total contribution due each month to the Trustee’s bank account. Employers must cover any bank charges that may apply.

The amount paid into the bank account must match the total amount due for the month. If there is an error with your contribution file you will have the opportunity to delete, amend and re-upload this. If there is an error with your payment amount the funds will be returned to you within 5 working days. We will be unable to accept any partial/shortfall payments. More guidance on the bank account and the transfer process will be provided soon. You can upload more than one Contribution file in a month if you have a leaver, a new joiner, etc.
Please note that the first Contribution file needs to be processed before a new file can be uploaded.

Understanding minimum contributions

The minimum employer contribution rates under DEWS have been designed to broadly match minimum accrual rates under the existing End of Service Benefit system. This contribution needs to be made by the employer.

Please note that mandatory contributions are calculated as a percentage on basic salary but are not deducted from salary.

Less than

5 years

service is


of basic salary


5 years

or more service is


of basic salary

With the DEWS platform, employees will have the opportunity to make additional voluntary contributions via salary deductions, to help them save towards and meet their future financial goals. Voluntary contributions can be made as a regular or single contribution and will be deducted from an employee's salary. To facilitate this, you would need to put a voluntary contribution process in place. This includes:

Request for voluntary contribution form.
Click here for a template of the request form.

The ability to submit the voluntary contribution request to your HR or Payroll team.

A process to deduct the specified contribution amount from your employees’ salaries. This would generally involve Finance and HR.

Inclusion of the voluntary contribution information in the Monthly contribution file.

Transfer of the voluntary contribution amount, together with the mandatory contribution amount, to the Trustee’s bank account.

Once this is set up employees can start to making voluntary contributions through the feature titled the DEWS booster on the portal.

Transfer with employee consent

You can get written consent from your employee and transfer an agreed amount, that is no less than the entitlement calculated by reference to a termination payment under DIFC Employment Law, into the DEWS Plan. In doing so, you are no longer liable for the payment of the accrued EOSB to the employee when employment is terminated, irrespective of any future salary increases and/or length of service. In addition, the employee accepts the ongoing investment risk.

Click here for a template of the consent form.

Transfer without employee consent

You can also choose to transfer the accumulated benefit without employee consent. This will be held in the plan, as a pooled fund, under the employer’s name and you can decide how the amount is to be invested. You will still be liable for settling each employees accrued EOSB entitlement when they leave service and you can take withdrawals from the fund to achieve this.

DEWS offers a defined contribution plan in-line with global standards and adherent of DIFC’s values of ease, transparency and integrity.

There are no entry or exit charges associated with the administration of the DEWS plan to you as the employer. An Annual Management Charge (AMC) will apply to employees investment accounts (Assets Under Administration), at a rate that is competitive and aligned to charges applied to best-practice occupational savings regimes around the world. This annual management charge covers the services of the Trustee, Administrator and the Investment Adviser.

Contributions can be made from a bank account in the UAE or outside. They will be accepted as long as they are coming from the same bank account that has been provided to us via your DEWS portal.

Our bank account is in USD, and if the payment is in a currency other than USD we will convert it into USD at our end. If the payment is coming to us in AED, we will apply a rate of USD 1 = AED 3.6735 for conversion. If the payment is in any other currency, the prevailing market rate will apply.

It is important for you to ensure that the final amount that is credited into our bank after the conversion exactly matches the total amount in your contribution file.