UAE salary transfer offers.

No lock-in period and no clawback of cashback already paid — unusual for a UAE salary-transfer offer, and the main thing that distinguishes this one. Cashback is credited monthly to the FAB account within 45 calendar days of the end of the month in which the salary landed. A month in which no qualifying salary arrives simply pays nothing; cashback resumes when salary next arrives, but missed months are never credited retrospectively, so the AED 9,000 maximum assumes twelve consecutive qualifying months. Closing the account before fulfilment forfeits cashback not yet paid. Amounts are rounded down to whole dirhams.

• The headline '20% cashback' is a 12-month total, not a rate. The T&Cs state the actual mechanic: 1.67% cashback on each monthly salary credit, capped at AED 750 per month and AED 9,000 across 12 months.
• Open to new FAB customers, or existing customers with no FAB salary transfer in the preceding 12 months. Minimum monthly salary AED 5,000.
• The salary must be credited to a FAB One, FAB Personal Current or Elite Current account. Savings accounts are explicitly excluded, as are non-AED currency accounts.
• SAVE OR SPEND — either qualifies, and meeting both pays no more. Save: an incremental month-end balance of at least 20% of that month's salary across FAB conventional CASA accounts. Spend: at least 20% of monthly salary on a NEW FAB conventional credit card opened during the campaign.
• No credit card is required if you qualify via the Save route — the marketing copy implies otherwise.
• Cash advances, balance transfers, and annual or joining card fees do not count as qualifying spend.
• The 20% threshold is recalculated monthly against actual salary credited, so a pay change moves the target automatically. Multiple salary credits in one month are aggregated but do not raise the monthly cap.
• Not open to Private Banking customers, SME customers, FAB staff, or customers with delinquent or overdue FAB accounts.

The joining bonus is credited in 12 equal monthly instalments across the first year (Mashreq's page also carries an older FAQ describing a 6-instalment schedule for the pre-August structure). Any month the salary is missed or falls below AED 5,000 forfeits that month's instalment. If no salary is transferred for 2 consecutive months within the 12-month period from the first transfer, ALL previously paid bonus is clawed back by debiting the account.

• Open a Mashreq or Mashreq NEO Current/Savings account and transfer a net salary of at least AED 5,000/month.
• Terms shown apply to accounts whose FIRST salary lands on or after 1 August 2026 (Mashreq's current published table). Earlier joiners are on the previous joining-bonus structure.
• The early-bird component requires the first salary within 90 days of account opening — a late HR switch forfeits that half of the headline.
• Salary must be credited by a UAE-registered employer through recognised salary-transfer channels — remittance, direct transfer, cash or cheque credits do not qualify. A mislabelled transfer narration can void the bonus.
• Bonus is banded on the FIRST salary credited; later pay rises do not re-band it.

The joining bonus is a one-time cash credit, disbursed within 60 days of completing the product bundle (90-day bundle-completion window). DIB may refuse or reverse it for fraud or breach of the campaign terms. Unlike some peers there is no published multi-month salary-stop clawback on the salary-transfer bonus itself — but the bundle's card/finance commitments carry their own terms.

• Open a new salary transfer on an Al Islami 2-in-1 or Al Islami Savings Account (Sharia, Mudaraba-based) and transfer a salary of AED 5,000+.
• New DIB salary customers only — no DIB salary transfer in the previous 6 months; at least 2 salaries must be credited.
• BUNDLE REQUIRED: the salary-transfer bonus is only paid alongside an eligible DIB covered card and/or an eligible finance facility (personal finance ≥ AED 75,000 or auto finance ≥ AED 50,000). It is not a standalone salary-transfer bonus.
• Salary must be credited via the UAE Wage Protection System / Fund Transfer System (cash, cheque or personal-account transfers don't qualify).
• An extra 15% on the bonus for products taken through DIB's 'alt' mobile / online digital channels.