Mohre Bank Guarantee For Employers 2026. The MOHRE bank guarantee system is required by the Ministry of Human Resources and Emiratisation to protect workers’ rights in the UAE. Under Ministerial Resolution No. 318 of 2022, employers and employment agencies must deposit at least AED 3,000 per worker through a UAE bank or choose an approved insurance policy. This guarantee secures unpaid wages, end-of-service benefits, return tickets, and other legal dues. The process includes ministry approval, receiving a reference number, depositing the amount at a registered bank, and electronic confirmation before license issuance.

If the agency license is canceled and no fines or obligations remain, the employer can request a bank guarantee refund. This system ensures legal compliance, worker protection, and smooth business operations.

What is MOHRE Bank Guarantee?

Ministry of Human Resources and Emiratisation (MOHRE) requires employers and employment agencies to provide a bank guarantee for worker protection.

A bank guarantee is an amount of money deposited in a UAE bank.
This money is kept as security. If the employer does not pay worker rights, the ministry can use this money. It protects:

Unpaid wages
End of service benefits
Air ticket back to home country
Other legal rights

Simple example:

Think of it like a security deposit when you rent a house.
If nothing goes wrong, you get your money back.
If there is damage, the landlord uses that deposit.

Same way, MOHRE uses this deposit only if the employer fails to pay worker rights.

Why MOHRE Introduced Bank Guarantee?

The UAE government wants:

Worker protection
Business stability
Safe working environment
Fair labor system

Under Ministerial Resolution No. 318 of 2022, employers must:

Provide AED 3,000 per worker as bank guarantee
OR
Buy an insurance policy instead

This rule applies to private sector companies.

Ministerial Resolution No. 318 of 2022 Explained

Abdulrahman Abdulmannan Al Awar, Minister of Human Resources and Emiratisation, issued this resolution. This decision was based on UAE Cabinet Decision No. 18 of 2022. The purpose:

Protect workers
Reduce disputes
Improve UAE labor system
Strengthen UAE global reputation

Her Excellency Aisha Belharfia also explained that employers can choose between:

Bank guarantee
Insurance policy

This flexibility helps reduce business costs.

Payment of the Bank Guarantee Amount of Employment Agency

Now let’s understand the complete service process step by step. This process applies when:

An employment agency gets license approval
An agency adds new activity
Activity requires higher bank guarantee

Step 1: Ministry Approval and Reference Number

After approval of employment agency license: MOHRE sends:

Notification of approval
Reference number

The agency must take this reference number to a UAE bank.

Step 2: Visit Registered UAE Bank

The customer (agency owner):

Visits one of the banks registered with the Ministry
Deposits required bank guarantee amount

The amount depends on activity.

Step 3: Bank Deposits Guarantee

The bank:

Receives the amount
Deposits it using ministry reference number
Issues a bank guarantee certificate

This certificate shows:

Paid amount
Reference number
Activity details

Step 4: Electronic Notification to Ministry

The bank system sends information electronically to:

Ministry of Finance
Ministry of Human Resources and Emiratisation

The system uploads:

Bank guarantee copy
Deposit confirmation
Activity details

Everything is digital.

Step 5: Final License Approval

After confirmation:

Guarantee details appear in MOHRE system
Final approval is issued

Step 6: Print License

The agency owner:

Prints license from ministry system
Completes commercial license formalities

Conditions and Requirements for Bank Guarantee Payment

Must pay required guarantee according to activity
Must follow ministry approval
Must use registered UAE bank

Service Completion Duration

Depends on bank processing time.

Service Fees

No government service fee.

Service Channels

Service Center
Website
Mobile Application

Target Audience

Employers
Employment Agencies

Bank Guarantee Amount Details

Under new rules:

Minimum AED 3,000 per worker
Paid through UAE-based bank
Valid for 1 year
Must renew automatically
Payable on MOHRE demand without restriction

Insurance Option Instead of Bank Guarantee

Employers can choose insurance instead.

Insurance period: 30 months

Insurance cost:

AED 137.50 for skilled worker
AED 180 for low-skilled worker
AED 250 for high-risk establishments not registered with WPS

Insurance covers up to AED 20,000. Coverage includes:

Last 120 days wages
End of service benefits
Air ticket home
Repatriation in case of death
Court-approved entitlements

This option reduces financial pressure.

MOHRE Bank Guarantee Refund

Now let’s discuss the most important part:

Mohre Bank Guarantee Refund

An employment agency or employer can request refund when:

Agency license is canceled
Worker permit is canceled
Worker leaves UAE
Worker transfers to new employer
Worker dies and repatriation completed

Conditions for Refund

Before refund approval:

No fines
No violations
All worker dues paid
All obligations completed

If everything is clear, refund is approved.

Refund Process Step by Step

Step 1: Submit Refund Request

The employer submits request to MOHRE.

Step 2: Ministry Review

MOHRE checks:

Fines
Worker complaints
Legal cases
Pending payments

Step 3: Approval

If no issue:

Refund request approved

Step 4: Bank Refund

The bank releases the guarantee amount.

Service Completion Time

Usually 1 working day (if no issues).

Bank Guarantee Difference (When Combining Activities)

If an agency combines:

Temporary employment
Outsourcing
Mediation

Then agency must:

Pay difference of guarantee amount
Ensure automatic renewal

Key Aspects of MOHRE Bank Guarantee

Here are the main points:

Feature	Details
Mandatory	Yes
Amount	Minimum AED 3,000 per worker
Validity	1 year
Renewal	Automatic
Paid Through	UAE Bank
Refund	Allowed after license cancellation
Alternative	Insurance policy

Who Needs MOHRE Bank Guarantee?

This applies to:

Domestic workers sector
Establishments workers
Employment agencies
Private sector employers

Why This System Is Important?

Think like this. If there is no guarantee system:

Some employers may not pay workers
Workers may suffer
Legal disputes increase

With bank guarantee:

Workers feel secure
Employers follow rules
UAE labor market stays stable

It creates balance.

MOHRE and Ministry of Finance Role

The process involves:

Ministry of Human Resources and Emiratisation
Ministry of Finance
UAE banks

Everything is connected electronically. This makes process transparent and secure.

Practical Example

Imagine you own a small employment agency. You hire 5 workers. You must:

5 × AED 3,000 = AED 15,000 bank guarantee

If after one year:

All workers leave
All payments cleared
License canceled

You can request refund. If no violations, you get full AED 15,000 back.

FAQs About MOHRE Bank Guarantee & Refund

What is MOHRE bank guarantee?

Ans: MOHRE bank guarantee is a security deposit paid by employers or employment agencies in the UAE. It protects worker rights like unpaid salary, end-of-service benefits, and return air ticket. If the employer fails to pay, MOHRE can use this amount to protect the worker.

How much is the bank guarantee amount per worker?

Ans: Under Ministerial Resolution No. 318 of 2022, the minimum amount is: AED 3,000 per worker. This amount must be paid through a UAE-based bank.

Is the bank guarantee mandatory?

Ans: Yes. It is mandatory for: Issuing work permits. Renewing work permits. Licensing employment agencies. However, employers can choose an insurance policy option instead.

Can I choose insurance instead of bank guarantee?

Ans: Yes. Instead of paying AED 3,000 per worker, employers can purchase a 30-month insurance policy. Insurance cost depends on worker category: Skilled worker: AED 137.50. Low-skilled worker: AED 180. High-risk establishment worker: AED 250

What does the bank guarantee cover?

Ans: The bank guarantee covers: Unpaid wages (up to last 120 days). End-of-service gratuity. Air ticket to home country. Repatriation in case of death. Other legal dues ordered by labor court

How do I pay the bank guarantee amount for my employment agency?

Ans: The process is simple: Get ministry approval and reference number. Visit a registered UAE bank. Deposit required amount. Bank uploads details electronically. Ministry issues final license

How long is the bank guarantee valid?

Ans: The bank guarantee is valid for: One year. It must be automatically renewed.

Can MOHRE demand the guarantee amount anytime?

Ans: Yes. The guarantee must be payable on MOHRE demand without restriction if employer fails to meet obligations.

Conclusion

The MOHRE bank guarantee system protects both workers and employers in the UAE. Employers must deposit at least AED 3,000 per worker or choose an approved insurance policy. The payment process is simple and fully digital through registered banks. Refund is allowed when the license is canceled or worker obligations are cleared, with no fines pending. This system ensures worker rights, legal compliance, and business stability while allowing employers to recover their guarantee smoothly.