Simplified Payments: 8 Banks Offer Installment Plans for HR and Localization Services Fees

The UAE's Ministry of Human Resources and Emiratisation just expanded its installment payment program for fees and fines. Three new banks joined the system, bringing the total to eight participating banks. This means more people can now split their payments into smaller chunks instead of paying everything upfront.

The program targets credit card holders who need more flexible payment options. Instead of facing a big bill all at once, people can now work directly with their bank to set up payment plans. Each bank sets its own minimum amount for installments, but most start at 500 dirhams (about $136).

Here's the full list of participating banks: Abu Dhabi Commercial Bank, Commercial Bank of Dubai, Mashreq Bank, Rak Bank, Commercial Bank International, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, and Emirates NBD. Two banks - Abu Dhabi Commercial Bank and Abu Dhabi Islamic Bank - require a higher minimum of 1,000 dirhams to start an installment plan.

The process works through direct contact with your card-issuing bank or through their digital channels. Each bank handles its own installment terms and conditions, so the specifics vary depending on where you bank.

This expansion shows how the UAE government is trying to make financial obligations less burdensome for residents and businesses. The ministry first launched this service last year with just five banks. Adding three more banks means wider access and more competition, which typically leads to better terms for customers.

For businesses dealing with work permit fees, visa costs, or administrative fines, this could mean better cash flow management. Instead of large lump sum payments that might strain budgets, companies can spread costs over several months. The same applies to individuals facing unexpected fines or fees related to employment services.

The move fits into the UAE's broader push toward digital government services and customer-friendly policies. By working with major local and international banks, the ministry ensures most residents have access to the program regardless of where they bank.