Home » Cashless Payments Knowledge Hub » What to Look for in a Zero Minimum Balance Salary Account in the UAE: Benefits, Loyalty Programmes & Offers
Receiving your salary is an important part of managing your money. But choosing where to receive it involves more than just getting paid each month. The right salary account can offer loyalty programme benefits, discounts and access to eligible financial services that support your everyday money management.
When comparing your options, consider factors such as zero minimum balance requirements, fees, loyalty programmes, and discounts. Also check which financial services are available and whether you meet their eligibility requirements.
Payit offers a Payit Digital Account powered by First Abu Dhabi Bank (FAB). Through Payit Plus, eligible customers can receive their salary directly into their Payit Digital Account and earn 100 Payit Reward Points per salary credit, subject to the applicable terms and conditions.
Let’s look at what to consider when choosing a salary account and how Payit Plus can add value.
Before choosing a salary account in the UAE, review its features and terms carefully. What works for one person may not suit another, so focus on the benefits that matter to your everyday needs.
You do not have to maintain a set minimum amount in your account if you have a Zero Minimum Balance Account. This can help if you prefer to use your salary for monthly expenses without worrying about maintaining a certain balance.
However, a Zero Minimum Balance Account feature doesn’t mean every service is free. Other fees, eligibility requirements and conditions may still apply. Always check the terms before choosing an account.
Not sure whether this type of account suits your needs? Read our guide on Signs You Need a Zero Minimum Balance Salary Account in the UAE.
Some financial services offer loyalty programmes for completing qualifying activities. These loyalty programmes can add value when you use the service regularly.
However, not all loyalty programmes work in the same way. The points you earn, their value, how you can redeem them, and the conditions attached to them can differ. Check these details before choosing the programme that suits you.
Discounts and special offers are worth considering when choosing an account to receive your salary. Check the participating brands, available offers and any conditions that apply to see whether they suit your everyday spending needs.
Payit Plus allows eligible customers to receive their salary into their Payit Digital Account. In addition to receiving their monthly salary, customers can earn Payit Reward Points and may qualify for other salary-linked benefits.
Here are some key features to know.
When you receive your salary into your Payit Digital Account through Payit Plus, you earn 100 Payit Reward Points per salary credit, subject to the applicable terms and conditions. You can redeem these points for vouchers from participating brands through the Payit app.
The redemption value is straightforward: 1,000 Payit Reward Points equal 1 in voucher value. This means 100 points equal 0.10 in voucher value.
Your points can add extra value to your salary over time. The points you earn and how you can use them are subject to terms and conditions.
Customers receiving their salary through Payit Plus are eligible to access Payit OnDemand and can get a loan of up to 50% of their salary, subject to applicable eligibility criteria and approval. The Payit app displays eligible loan amounts and repayment options. Customers should review the available details before proceeding.
Once you earn Payit Reward Points, you can use them to get vouchers from participating brands in the Payit app.
Voucher denominations may include 10, 20, 30, 50 and 100, subject to availability.
You can redeem your Payit Reward Points for vouchers from participating brands.. Whether you’re shopping for everyday essentials, ordering food, planning a trip or enjoying entertainment, you can use your accumulated points .
Participating brands may include Amazon, Noon, talabat, Lulu, IKEA, VOX Cinemas, Cleartrip, Calvin Klein, Skechers and Levi’s. The selection of participating brands, available vouchers and redemption conditions may change from time to time. Check the Payit Reward section in your Payit app for the latest options and review the applicable terms before redeeming your points.
You can also convert your Payit Reward Points into a Payit voucher, which can be converted into cash in your Payit Digital Account.
Explore Payit Rewards for the latest participating brands, available vouchers and applicable redemption conditions.
Before redeeming your points, review the voucher details and any applicable conditions. Availability, denominations and redemption requirements may vary.
Once your salary is credited, you can use your Payit Digital Account to pay utility bills, make purchases and send money locally or internationally. You can access these services through the Payit app, subject to availability and applicable terms.
Accessing these services through a digital account makes it easier to manage transactions in one place. You can use the Payit app to access available features and handle your payments without relying on multiple methods.
Payit Digital Account also provides access to promotional offers and discounts from participating brands. These can be useful when shopping or paying for selected services. Offers depend on availability and the terms set for each promotion.
The features available to you may vary depending on your account and eligibility. Check the Payit app to see which services and offers you can access.
To receive your salary through Payit Plus, complete these simple steps before your next salary payment.
Read our guide on How to Open a Payit Plus Account to learn more about getting started.
The right account should offer more than a place to receive your salary. With Payit Plus, eligible customers can receive their salary into their Payit Digital Account, earn Payit Reward Points and access Payit OnDemand, subject to applicable eligibility and approval criteria.
Explore the available features and eligibility requirements to decide whether Payit Plus meets your salary needs. For more information, read our Payit Plus Guide.
Having an existing UAE Bank Account does not automatically prevent you from receiving your salary through Payit Plus. However, you must meet the applicable eligibility requirements, and your employer must be able to process salary payments to your Payit Digital Account.
This may depend on how your employer processes the payment and whether it meets Payit Plus salary credit conditions. Check the applicable terms to confirm which payments qualify.
This depends on Payit Digital Account’s terms and the requirements for receiving salary payments from multiple employers. Contact Payit Digital Account customer support to confirm whether this is supported.
Contact your employer or payroll team to check the payment details and find out where the salary was sent. If the payment was intended for your Payit Digital Account, you can also contact Payit Digital Account customer support for assistance.
First, check with your employer or payroll team to confirm that the salary payment has been processed. If the payment has been sent but is not showing in your Payit Digital Account, contact customer support for help.
Check whether changing jobs affects your Payit Plus eligibility or salary-related benefits. Review the applicable terms and update any required employment or account details to ensure your information remains current.