Submitting pension contributions to the General Pension & Social Security Authority (GPSSA) and Central Bank of the UAE

If you make pension contributions to the General Pension & Social Security Authority (GPSSA) and Central Bank of the UAE, we recommend that you review and, if necessary, update your payment creation and payment templates to include the following:

1. ACH payments

When making a pension payment, make sure the account used is the same account that is registered with GPSSA. Pension contributions made from accounts that are not registered with the GPSSA will be rejected.

In the ‘Purpose code’ field, select ‘PEN’ for pension.

(select image to enlarge)

You’ll need to provide pension details in the ‘Remittance information’ and ‘Other information’ fields. Review the table below for how to include pension details in ACH payments:

Field	Pension details
Remittance Information	This field will accepts up to 140 characters CODEWEMPLOYEEIDXXXXX/EMPLOYERIDXXX/S/MMYYYY/B0000000.00/ H0000000.00/S0000000.00/C0000000.00/L0000000.00/O0000000.00/ T0000000.00 Where CODEW is a static key word to be used for Pension payments (input one of the following: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM). EMPLOYEEIDXXXXX is the 15 characters Employee ID of the UAE National EMPLOYERIDXXX is the 13 characters Employer ID as provided by GPSSA S is the type of employer. This must be ‘R’ for Private and ‘U’ for Public MMYYYY is the month and year B0000000.00 is the Basic Amount prefixed with fixed letter ‘B’ H0000000.00 is the Housing Allowance prefixed with fixed letter ‘H’ S0000000.00 is the Social Allowance prefixed with fixed letter ‘S’ C0000000.00 is the Child Allowance prefixed with fixed letter ‘C’ L0000000.00 is the Cost of Living Allowance prefixed with fixed letter ‘L’ O0000000.00 is the Other/ Supplementary Allowance prefixed with fixed letter ‘O’ T0000000.00 is the Total Monthly Salary inclusive of all allowances prefixed with fixed letter ‘T’ All above amounts must be 7 digits and 2 decimals. You must provide amounts left padded with zeroes (e.g. B0000250.00)
Other Information	This field will accept up to 175 characters Format for Pension Adjustments: E0000000.00/C0000000.00/BDDMMYY/HDDMMYY/SDDMMYY/CDDMMYY/LDDM MYY/ODDMMYY/HP000DDMMYY/ZP000DDMMYY/LT000DDMMYY/SL000DDMM YY/UA000DDMMYY/ST000DDMMYY/LP000000000.00 Where E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’ C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’ BDDMMYY is the effective date of the new Basic Amount in format DDMMYY prefixed with fixed letter ‘B’ HDDMMYY is the effective date of the new Housing Allowance in format DDMMYY prefixed with fixed letter ‘H’ SDDMMYY is the effective date of the new Social Allowance in format DDMMYY prefixed with fixed letter ‘S’ CDDMMYY is the effective date of the new Child Allowance in format DDMMYY prefixed with fixed letter ‘C’ LDDMMYY is the effective date of the new Cost of Living Allowance in format DDMMYY prefixed with fixed letter ‘L’ ODDMMYY is the effective date of the new Other Allowances in format DDMMYY prefixed with fixed letter ‘O’ HP000DDMMYY, where 000 is the number of days on sick leave with half pay (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘HP’ ZP000DDMMYY, where 000 is the number of days on sick leave with zero pay (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘ZP’ LT000DDMMYY, where 000 is the number of days on unpaid leave long term (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘LT’ SL000DDMMYY, where 000 is the number of days on unpaid study leave (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘SL’ UA000DDMMYY, where 000 is the number of days on unauthorized leave (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘UA’ ST000DDMMYY, where 000 is the number of days on unpaid leave short term (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘ST’ LP000000000.00 is the Unpaid leave payment amount prefixed with fixed letter ‘LP’ Format for New Employee Pension E0000000.00/C0000000.00/SDDDMMYY Where E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’ C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’ SDDDMMYY is the joining date of the employee in format DDMMYY prefixed with fixed letter ‘SD’ Format for Last Pension Contribution for Existing Employee E0000000.00/C0000000.00/EDDDMMYY Where E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’ C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’ EDDDMMYY is the last working date of the employee in format DDMMYY prefixed with fixed letter ‘ED’ Format for Retro Pension Payments for Existing Employee E0000000.00/C0000000.00/SDDDMMYY/EDDDMMYY Where E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’ C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’ SDDDMMYY is the start date of the retro payment in format DDMMYY prefixed with fixed letter ‘SD’ EDDDMMYY is the end date of the retro payment in format DDMMYY prefixed with fixed letter ‘ED’ Format for temporary suspension of pension payment E0000000.00/C0000000.00/SDDDMMYY/EDDDMMYY Where E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’ C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’ SDDDMMYY is the start date of the temporary suspension of the contribution in format DDMMYY prefixed with fixed letter ‘SD’ EDDDMMYY is the end date of the temporary suspension of the contribution in format DDMMYY prefixed with fixed letter ‘ED’ Format for resumption post temporary suspension E0000000.00/C0000000.00/RODDMMYY Where E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’ C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’ RODDMMYY is the date of resumption to duty in the format DDMMYY prefixed with fixed letter ‘RO’

Field

Pension details

Remittance Information

This field will accepts up to 140 characters

CODEWEMPLOYEEIDXXXXX/EMPLOYERIDXXX/S/MMYYYY/B0000000.00/
H0000000.00/S0000000.00/C0000000.00/L0000000.00/O0000000.00/
T0000000.00

Where

CODEW is a static key word to be used for Pension payments (input one of the following: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM).

EMPLOYEEIDXXXXX is the 15 characters Employee ID of the UAE National
EMPLOYERIDXXX is the 13 characters Employer ID as provided by GPSSA
S is the type of employer. This must be ‘R’ for Private and ‘U’ for Public
MMYYYY is the month and year
B0000000.00 is the Basic Amount prefixed with fixed letter ‘B’
H0000000.00 is the Housing Allowance prefixed with fixed letter ‘H’
S0000000.00 is the Social Allowance prefixed with fixed letter ‘S’
C0000000.00 is the Child Allowance prefixed with fixed letter ‘C’
L0000000.00 is the Cost of Living Allowance prefixed with fixed letter ‘L’
O0000000.00 is the Other/ Supplementary Allowance prefixed with fixed letter ‘O’
T0000000.00 is the Total Monthly Salary inclusive of all allowances prefixed with fixed letter ‘T’

All above amounts must be 7 digits and 2 decimals. You must provide amounts left padded with zeroes (e.g. B0000250.00)

Other Information

This field will accept up to 175 characters

Format for Pension Adjustments:

E0000000.00/C0000000.00/BDDMMYY/HDDMMYY/SDDMMYY/CDDMMYY/LDDM
MYY/ODDMMYY/HP000DDMMYY/ZP000DDMMYY/LT000DDMMYY/SL000DDMM
YY/UA000DDMMYY/ST000DDMMYY/LP000000000.00

Where

E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’
BDDMMYY is the effective date of the new Basic Amount in format DDMMYY prefixed with fixed letter ‘B’
HDDMMYY is the effective date of the new Housing Allowance in format DDMMYY prefixed with fixed letter ‘H’
SDDMMYY is the effective date of the new Social Allowance in format DDMMYY prefixed with fixed letter ‘S’
CDDMMYY is the effective date of the new Child Allowance in format DDMMYY prefixed with fixed letter ‘C’
LDDMMYY is the effective date of the new Cost of Living Allowance in format DDMMYY prefixed with fixed letter ‘L’
ODDMMYY is the effective date of the new Other Allowances in format DDMMYY prefixed with fixed letter ‘O’
HP000DDMMYY, where 000 is the number of days on sick leave with half pay (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘HP’
ZP000DDMMYY, where 000 is the number of days on sick leave with zero pay (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘ZP’
LT000DDMMYY, where 000 is the number of days on unpaid leave long term (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘LT’
SL000DDMMYY, where 000 is the number of days on unpaid study leave (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘SL’
UA000DDMMYY, where 000 is the number of days on unauthorized leave (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘UA’
ST000DDMMYY, where 000 is the number of days on unpaid leave short term (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘ST’
LP000000000.00 is the Unpaid leave payment amount prefixed with fixed letter ‘LP’

Format for New Employee Pension

E0000000.00/C0000000.00/SDDDMMYY

Where
E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’
SDDDMMYY is the joining date of the employee in format DDMMYY prefixed with fixed letter ‘SD’

Format for Last Pension Contribution for Existing Employee

E0000000.00/C0000000.00/EDDDMMYY

Where
E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’
EDDDMMYY is the last working date of the employee in format DDMMYY prefixed with fixed letter ‘ED’

Format for Retro Pension Payments for Existing Employee

E0000000.00/C0000000.00/SDDDMMYY/EDDDMMYY

Where
E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’
SDDDMMYY is the start date of the retro payment in format DDMMYY prefixed with fixed letter ‘SD’
EDDDMMYY is the end date of the retro payment in format DDMMYY prefixed with fixed letter ‘ED’

Format for temporary suspension of pension payment

E0000000.00/C0000000.00/SDDDMMYY/EDDDMMYY

Where
E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’
SDDDMMYY is the start date of the temporary suspension of the contribution in format DDMMYY prefixed with fixed letter ‘SD’
EDDDMMYY is the end date of the temporary suspension of the contribution in format DDMMYY prefixed with fixed letter ‘ED’

Format for resumption post temporary suspension

E0000000.00/C0000000.00/RODDMMYY

Where
E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’

RODDMMYY is the date of resumption to duty in the format DDMMYY prefixed with fixed letter ‘RO’

Note: To prevent payment rejections, don’t include pension payments, pension adjustments and other ACH payments in the same payment batch.

2. Payments submitted using File Upload or HSBC Connect

If you send pension payments using File Upload or through HSBC Connect, review the tables below for how to include pension details in your payment files. Please also include ‘PEN’ as the Purpose of Payment for your pension adjustments. Please contact your Client Services representative if you require any assistance.

iFile
Input field	Pension details
SECPTY -"@LVP@" - Field 44 Payment Details Line 1	CODEWEMPLOYEEID12345/EMPLOYERID123/ CODEW used for Pension payments (input one of: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM)
SECPTY -"@LVP@" - Field 45 Payment Details Line 2	S/MMYYYY/B0000000.00/H0000000.00/
SECPTY -"@LVP@" - Field 46 Payment Details Line 3	S0000000.00/C0000000.00/
SECPTY -"@LVP@" - Field 47 Payment Details Line 4	L0000000.00/O0000000.00/T0000000.00
SECPTY -"@LVP@" - Field 55 Bank to Bank Information Line 1	Format for Pension Adjustment E0000000.00/C0000000.00/BDDMMYY Format for New Employee Pension E0000000.00/C0000000.00/SDDDMMYY Format for Last Pension Contribution for Existing Employee E0000000.00/C0000000.00/EDDDMMYY Format for Retro Pension Payments for Existing Employee E0000000.00/C0000000.00/SDDDMMYY Format for temporary suspension of pension payment E0000000.00/C0000000.00/SDDDMMYY Format for resumption post temporary suspension E0000000.00/C0000000.00/RODDMMYY
SECPTY -"@LVP@" - Field 56 Bank to Bank Information Line 2	Format for Pension Adjustment /HDDMMYY/SDDMMYY/CDDMMYY/LDDMMYY Format for Retro Pension Payments for Existing Employee /EDDDMMYY Format for temporary suspension of pension payment /EDDDMMYY
SECPTY -"@LVP@" - Field 57 Bank to Bank Information Line 3	Format for Pension Adjustment /ODDMMYY/HP000DDMMYY/ZP000DDMMYY/
SECPTY -"@LVP@" - Field 58 Bank to Bank Information Line 4	Format for Pension Adjustment LT000DDMMYY/SL000DDMMYY/UA000DDMMYY
SECPTY -"@LVP@" - Field 59 Bank to Bank Information Line 5	Format for Pension Adjustment /ST000DDMMYY/LP000000000.00

MEABASIC
Input field	Pension details
Column No - AF - Remittance Information 1	CODEWEMPLOYEEID12345/EMPLOYERID123/ CODEW used for Pension payments (input one of: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM)
Column No - AG - Remittance Information 2	S/MMYYYY/B0000000.00/H0000000.00/
Column No - AH - Remittance Information 3	S0000000.00/C0000000.00/
Column No - AI - Remittance Information 4	L0000000.00/O0000000.00/T0000000.00
Column No - AM - Bank to Bank Information 1	Format for Pension Adjustment E0000000.00/C0000000.00/BDDMMYY Format for New Employee Pension E0000000.00/C0000000.00/SDDDMMYY Format for Last Pension Contribution for Existing Employee E0000000.00/C0000000.00/EDDDMMYY Format for Retro Pension Payments for Existing Employee E0000000.00/C0000000.00/SDDDMMYY Format for temporary suspension of pension payment E0000000.00/C0000000.00/SDDDMMYY Format for resumption post temporary suspension E0000000.00/C0000000.00/RODDMMYY
Column No - AN - Bank to Bank Information 2	Format for Pension Adjustment /HDDMMYY/SDDMMYY/CDDMMYY/LDDMMYY Format for Retro Pension Payments for Existing Employee /EDDDMMYY Format for temporary suspension of pension payment /EDDDMMYY
Column No - AO - Bank to Bank Information 3	Format for Pension Adjustment /ODDMMYY/HP000DDMMYY/ZP000DDMMYY/
Column No - AP - Bank to Bank Information 4	Format for Pension Adjustment LT000DDMMYY/SL000DDMMYY/UA000DDMMYY
Column No - AQ - Bank to Bank Information 5	Format for Pension Adjustment /ST000DDMMYY/LP000000000.00

XML v2.0
Input field	Pension details
Remittance Information Unstructured < RmtInf> <Ustrd>	CODEWEMPLOYEEID12345/EMPLOYERID123/ CODEW used for Pension payments (input one of: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM)
<RmtInf> <Ustrd>	S/MMYYYY/B0000000.00/H0000000.00/
<RmtInf> <Ustrd>	S0000000.00/C0000000.00/
<RmtInf> <Ustrd>	L0000000.00/O0000000.00/T0000000.00
<RmtInf> <Ustrd>	Format for Pension Adjustment E0000000.00/C0000000.00/BDDMMYY Format for New Employee Pension E0000000.00/C0000000.00/SDDDMMYY Format for Last Pension Contribution for Existing Employee E0000000.00/C0000000.00/EDDDMMYY Format for Retro Pension Payments for Existing Employee E0000000.00/C0000000.00/SDDDMMYY Format for temporary suspension of pension payment E0000000.00/C0000000.00/SDDDMMYY Format for resumption post temporary suspension E0000000.00/C0000000.00/RODDMMYY
<RmtInf> <Ustrd>	Format for Pension Adjustment /HDDMMYY/SDDMMYY/CDDMMYY/LDDMMYY Format for Retro Pension Payments for Existing Employee /EDDDMMYY Format for temporary suspension of pension payment /EDDDMMYY
<RmtInf> <Ustrd>	Format for Pension Adjustment /ODDMMYY/HP000DDMMYY/ZP000DDMMYY/
<RmtInf> <Ustrd>	Format for Pension Adjustment LT000DDMMYY/SL000DDMMYY/UA000DDMMYY
<RmtInf> <Ustrd>	Format for Pension Adjustment /ST000DDMMYY/LP000000000.00

Paymul
Input field	Pension details
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text first instance	CODEWEMPLOYEEID12345/EMPLOYERID123/ CODEW used for Pension payments (input one of: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM)
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	S/MMYYYY/B0000000.00/H0000000.00/
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	S0000000.00/C0000000.00/
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	L0000000.00/O0000000.00/T0000000.00
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text second instance	Format for Pension Adjustment E0000000.00/C0000000.00/BDDMMYY Format for New Employee Pension E0000000.00/C0000000.00/SDDDMMYY Format for Last Pension Contribution for Existing Employee E0000000.00/C0000000.00/EDDDMMYY Format for Retro Pension Payments for Existing Employee E0000000.00/C0000000.00/SDDDMMYY Format for temporary suspension of pension payment E0000000.00/C0000000.00/SDDDMMYY Format for resumption post temporary suspension E0000000.00/C0000000.00/RODDMMYY
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	Format for Pension Adjustment /HDDMMYY/SDDMMYY/CDDMMYY/LDDMMYY Format for Retro Pension Payments for Existing Employee /EDDDMMYY Format for temporary suspension of pension payment /EDDDMMYY
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	Format for Pension Adjustment /ODDMMYY/HP000DDMMYY/ZP000DDMMYY/
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	Format for Pension Adjustment LT000DDMMYY/SL000DDMMYY/UA000DDMMYY
Group 16 - FTX+PMD Element - 4451-C108-4440 Free text - next instances	Format for Pension Adjustment /ST000DDMMYY/LP000000000.00

Legend:

Where CODEW is a static key word to be used for Pension payments. Input one of the following codes: GPSSA,ADJST,GPNEW,GPEOS,GPRET,GPTSP,GPRSM. You can also input the existing GPSSA and ADJST codes.
EMPLOYEEIDXXXXX is the 15 characters Employee ID of the UAE National ID
EMPLOYERIDXXX is the 13 characters Employer ID as provided by GPSSA
S is the type of employer. This must be ‘R’ for Private and ‘U’ for Public
MMYYYY is the month and year
B0000000.00 is the Basic Amount prefixed with fixed letter ‘B’
H0000000.00 is the Housing Allowance prefixed with fixed letter ‘H’
S0000000.00 is the Social Allowance prefixed with fixed letter ‘S’
C0000000.00 is the Child Allowance prefixed with fixed letter ‘C’
O0000000.00 is the Other/ Supplementary Allowance prefixed with fixed letter ‘O’
L0000000.00 is the Cost of Living Allowance prefixed with fixed letter ‘L’
T0000000.00 is the Total Monthly Salary inclusive of all allowances prefixed with fixed letter ‘T’
E0000000.00 is the Employee Contribution prefixed with fixed letter ‘E’
C0000000.00 is the Employer Contribution prefixed with fixed letter ‘C’.
For Pension Adjustment: BDDMMYY is the effective date of the new Basic Amount in format DDMMYY prefixed with fixed letter ‘B’. HDDMMYY is the effective date of the new Housing Allowance in format DDMMYY prefixed with fixed letter ‘H’. SDDMMYY is the effective date of the new Social Allowance in format DDMMYY prefixed with fixed letter ‘S’. CDDMMYY is the effective date of the new Child Allowance in format DDMMYY prefixed with fixed letter ‘C’. LDDMMYY is the effective date of the new Cost of Living Allowance in format DDMMYY prefixed with fixed letter ‘L’. ODDMMYY is the effective date of the new Other Allowances in format DDMMYY prefixed with fixed letter ‘O’. HP000DDMMYY, where 000 is the number of days on sick leave with half pay (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘HP’. ZP000DDMMYY, where 000 is the number of days on sick leave with zero pay (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘ZP’. LT000DDMMYY, where 000 is the number of days on unpaid leave long term (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘LT’. SL000DDMMYY, where 000 is the number of days on unpaid study leave (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘SL’. UA000DDMMYY, where 000 is the number of days on unauthorized leave (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘UA’. ST000DDMMYY, where 000 is the number of days on unpaid leave short term (right aligned and zero padded), DDMMYY is the date from which leave was availed, prefixed with fixed letter ‘ST’. LP000000000.00 is the Unpaid leave payment amount prefixed with fixed letter ‘LP’
For New Employee Pension: SDDDMMYY is the joining date of the employee in format DDMMYY prefixed with fixed letter ‘SD’
For Last Pension Contribution for Existing Employees: EDDDMMYY is the last working date of the employee in format DDMMYY prefixed with fixed letter ‘ED’
For Retro Pension Payments for Existing Employees: SDDDMMYY is the start date of the retro payment in format DDMMYY prefixed with fixed letter ‘SD’. EDDDMMYY is the end date of the retro payment in format DDMMYY prefixed with fixed letter ‘ED’
For temporary suspension of pension payments: SDDDMMYY is the start date of the temporary suspension of the contribution in format DDMMYY prefixed with fixed letter ‘SD’. EDDDMMYY is the end date of the temporary suspension of the contribution in format DDMMYY prefixed with fixed letter ‘ED’
For resumption post temporary suspension: RODDMMYY is the date of resumption to duty in the format DDMMYY prefixed with fixed letter ‘RO’