dunia Labour Guarantees

Now earn up to 8% p.a.!1

Book your company's labour guarantee with dunia and get up to 8%1 per annum on your deposit provided as collateral. Obtaining labour guarantees through dunia is an effective way to maximize the returns on your business savings. Your deposits keep working hard for you and what's more...with simple documentation requirements and fast turnaround time, your labour guarantee is processed directly online with the Ministry of Labour.

Enjoy absolutely free WPS services2 when you place labour guarantee deposits with dunia for value greater than AED 100,000!


More benefits with dunia

  • Attractive interest rates
  • Convenience through fast over-the-counter processing
  • Enhanced earnings by locking in attractive rates on your deposit
  • Convenience of automatic renewal of your guarantee and rollover of your deposits
  • Superior service through dedicated Relationship Managers for personal service
  • Easy access with our financial centers and 24-hour dunia Contact Center

What you need to get started

  • Copy of trade license
  • Copy of passport, residence visa and Emirates ID of owner and / or authorized signatories
  • Memorandum and Articles of Association (where applicable)
  • Power of attorney (where applicable)
  • Board resolution (where applicable)



18% interest rate, as indicated, is applicable at prevailing rates for a labour guarantee deposit that is booked for tenure of 120 months. All applicable interest rates on collateral deposits for labour guarantees issued are subject to change without notice, and only prevailing rates on the deposit booking date will apply, at the sole discretion of Dunia Finance L.L.C. 2Offer valid for labour guarantees issued of aggregate value greater than AED 100,000. Complimentary Wages Protection System service is applicable to the same entity and for an equivalent number of employees for whom labour guarantees have been issued by dunia. dunia merely provides this service on a best effort basis to facilitate Wages Protection System services in accordance with UAE Central Bank and Ministry of Labour requirements. dunia assumes no liability or responsibility in respect to the products and services provided by third parties. Terms and conditions apply, are subject to change without prior notice and are available upon request. Please click here to view the latest terms and conditions for dunia Labour Guarantees. In addition to this, dunia's General Terms and Conditions also apply which is viewable at www.dunia.ae/termsandconditions. Labour guarantees from dunia are offered only against the provision of minimum 100% cash collateral, held as deposit lien-marked to dunia, to non-individual customer entities - including sole proprietorships, partnerships, limited liability companies, public or private joint stock companies, etc. Prevailing interest rates as applicable on collateral deposit for labour guarantees apply, and are applicable on deposit booking date. Issuance of labour guarantees is at the sole discretion of Dunia Finance L.L.C. and there together with the collateral deposits are subject to dunia's Terms and Conditions, Know Your Customer (KYC) requirements, corporate credit policies, and other UAE regulatory requirements. Deposits held by dunia as collateral against issued labour guarantees(s), are not guaranteed by any UAE or other government authority, nor any of the shareholders or affiliates of Dunia Finance L.L.C. Deposits terminated prior to the maturity date will receive interest rate at 1% below the applicable rate for the tenure of the period the deposit is held for, as per the interest rates prevailing and communicated, on the commencement/booking date of the deposit, and the total interest amount earned, at such rate, is calculated on the principal amount only for the period for which the deposit amount is held. Interest is calculated as simple interest, using the applicable without any compounding. Please consult a dunia Relationship Manager before making a deposit.