Employers and employees may find it confusing to check the payroll card balance check, especially if they are foreign nationals. This is a result of the complicated wage regulations that the United Arab Emirates has put in place.
In this article, you are going to learn more about how to do the payroll card balance check. Furthermore, you will see how to check your payroll card balance using the different methods available.
What is Payroll Card?
Before understanding how to check the balance on a payroll card, it is important to know more about how payroll works in the UAE. First of all, there is a payroll cycle in the UAE that every employer should follow.
Thus, the employer has to choose how to pay its employees, whether weekly, bi-weekly, monthly or bi-monthly. In addition, it is important to discuss with the employee the offer and benefits package as well as to sign the contract.
Once everything is clarified, the employer has to decide how to pay the employees. Thus, in this case, it has to follow the guidelines of the WPS System. So, the employee has to look for a bank registered in the UAE.
After that, the financial institution will form a partnership with the employer, as it would be the WPS agent. This is when the bank will issue what is known as a WPS payroll card.
It is worth noting that a payroll card is not the same as a debit card. They are different since the payroll card is created specifically for the employees to receive their salaries from the employer.
Therefore, this card has the following characteristics:
- Secure card for quick salary transfers.
- Employees can receive their salaries without any delays.
- Offer a safe method for expatriates to have their money.
- It is a good solution for those employees who do not have a bank account, or for those who find it too difficult to open one.
- Convenient payment method that avoids excessive paperwork.
- Improves financial inclusion.
- Easy to use as employees can do payroll card balance checks and pay for products and services.
Benefits of Payroll Card
Employers must be aware of the importance of payroll management as it can allow them to boost their business. In this regard, they have to consider all the options available to help them process their payments while ensuring employee satisfaction.
Thus, one of the payment methods commonly used by employers is paying in cash. Although it may seem easier, sometimes it is not convenient for employees as they may prefer to have the money in the bank.
Nonetheless, opening a bank account in the UAE is not that easy. So, this leaves expatriates with no choice but to carry cash with them.
Therefore, this is one of the benefits of the payroll card, that it provides a cashless and hassle-free solution. Employees can receive their payment immediately without having to have a lot of cash with them.
In addition, these cards provide all the benefits associated with the WPS System, whose main goal is to ensure accurate and timely payments to employees in the UAE. But it also provides unmatched benefits to employers, as they can benefit from them too.
For Employees
Employees can also receive many benefits once they get their payroll card. In addition to being able to do the payroll card balance check quickly, they can also enjoy the following:
- Freedom to access their money and funds anytime, anywhere.
- No more payments in cash that sometimes can be difficult to manage.
- Access to many options to use their card to make payments and purchases.
- Some banks offer no minimum balance requirement.
- Greater security while carrying out transactions, as there will be no need to use cash.
- Customer service support through phone banking.
- Some banks offer a mobile app for receiving notifications when a payment has been made.
- Timely and accurate payments in accordance with the WPS initiative.
- Access to a bank account easily.
- Possibility to use their money through a simplified process.
With the payroll card, as an employer, you would be offering stability in the workplace, since employees can receive their payments each one in their cards. Thus, they will be more pleased and they can work better.
For Employers
As an employer, you can also get several advantages by requesting your WPS agent to provide a payroll card. Some of the benefits of the dedicated payroll card are the following:
- You can be fully compliant with the WPS initiative, and avoid fines and penalties
- Protection from claims made by employees stating that you have not paid or in case of inaccurate payments.
- On-time salary disbursement to avoid complaints.
- No need to handle cash in the company to make payments. Thus, you can make payments quicker and hassle-free.
- Offer an advantage to employees and more security
- Get access to a dedicated officer for your company that can handle your concerns and requests.
- Employees can do their payroll card balance check by themselves, providing them with independence.
- Avoid wasting time on payments on cash since employees do not have to make queues to get their money.
As an employer, you will see an increase in efficiency within your payroll department. Also, since you would be more efficient, you can focus on your core administrative tasks and save time on payments.
Lastly, using a payroll card is part of the best payroll practices to save time and money as an employer.
How to Check Your Payroll Card Balance?
Your payroll card provider’s website, the app that is linked to the card, or an ATM can all be used to check the balance on your payroll card. Once the employer has complied with the payroll process in UAE, and the employee has received their payment, the next step will be to do the payroll card balance check.
One of the benefits of these cards is that, depending on the financial institution, you will have many methods for doing the payroll card balance check, such as the following:
- Downloading the mobile app onto your smartphone to check it
- Entering the official website of the financial institution
- Going to an ATM
- Calling the bank
Method #1 Mobile App
Every financial institution now offers a dedicated mobile app to its users so they can check their balances more easily. Thus, you can avoid tedious processes and check them quickly.
The following are the steps for doing the payroll card balance check app:
- Enter the Play Store or App Store on your phone.
- Look for the bank’s official App and install it
- Log in to your account providing your personal information
- Check the balance of your card
Method #2 Website
In addition to the payroll card balance check app, you can also check it through the financial institution’s official website.
If you want to know how to check balance on payroll card without using an App, or if you prefer the convenience of using your computer at work, then you have to follow the next steps:
- Enter the bank’s website. Check that you are entering the right address, otherwise, you could be a victim of a scam.
- Go to the log-in section and provide your information, such as ID and password.
- Check your card balance
Some banks provide additional options, such as managing your settings or performing other tasks.
Method #3 ATM
In case you are near an ATM of the financial institution that issued your card, you can do your balance check easily. However, keep in mind that in this case, you should have your card with you.
The following are the steps you have to go through if you want to know how to check payroll card balance using an ATM:
- Insert the card into the ATM
- Select “check balance”
- Provide your card pin and watch your balance displayed on the screen
Method #4 Phone Banking
Lastly, many banks offer a dedicated payroll card balance check number so they can call whenever they want. Keep in mind that you would be connected to a virtual agent, and in some cases, it may be an automated system.
To check your balance using phone banking, follow the next steps:
- Call the payroll card balance check number. If you do not know it, check it on the bank’s official website.
- Follow the steps indicated by the virtual agent and provide the necessary information so you can know your balance.
Keep in mind that in some cases, as you own a payroll card, you may have to call a different number. For this reason, the employer has to check what is the phone number where employees can call.
If you need support with checking your payroll card, then probably the best to do is to rely on top payroll service providers, as they can help you meet your business needs.
How do I check my debit payroll card balance online?
Instructing employees on how to do the payroll card balance check is part of the tips of the ultimate guide about payroll management. This is because it can help you have a solid workforce that delivers its best performance.
Furthermore, this way your employees can manage their money easily and as they want. In this regard, even though there are many methods to check your balance, the easiest one is definitely online.
This is because you only need a computer and you can check it in no time. However, keep in mind that depending on the WPS agent, the process to check it online may vary. Nonetheless, the steps to do this are generally the following:
- If you have your mobile phone, download the official App of the financial institution. If you prefer to check it on your PC, just enter your preferred browser and search for the official website of the financial institution.
- Once you enter, you would have to provide your information, such as card ID, user or password.
- After you have submitted it, you will enter your account where you can check your card balance, and even view transaction history or carry out additional tasks.
What to do if your payroll card is lost or stolen?
As employers, it is important to avoid common payroll issues, as this can hinder the performance of the business.
Moreover, it is important to instruct employees on how to use their cards and avoid damaging or losing them. However, unexpected things may happen, such as losing the wallet and with it the card.
In this case, the employer should advise their employees, in addition to doing the payroll card balance check, on the steps to follow in case they miss the card.
The first thing to do is to notify the employer, as the best is to temporarily block it to protect it. Thus, in case the employee finds it, then it would be possible to unblock it.
In the case, that the card cannot be unblocked, or if it is definitely lost, then it is advisable to follow the next steps:
- Depending on the financial institution, the process may be different. Thus, the best thing to do first is to contact it either by phone or by going in person to the place.
- After that, the employer has to request a replacement payroll card for the employee. In some banks, this can be done by the website, and in others, it may be necessary to go in person.
- Next, the WPS agent will charge a fee for the issuance of the new card.
After that, the employee can receive their new card and continue using it regularly. It is important to remind employees how to avoid misplacing or losing their new card.
How Payroll Middle Assist you in Payroll Card balance check?
Processing payroll in the UAE does not have to be a challenge. In addition, instructing employees on how to do the payroll card balance check can be time-consuming. For this reason, if you want support with your payroll services in Middle East and additional tasks, we can help you.
Contact us to take your payroll management to excellence thanks to our team of experts. Get professional advice so you can take your business to the top.
