Generating Wage Protection System (WPS) Bank Files for GCC Payroll

Overview

Organizations operating in GCC countries must comply with Wage Protection System (WPS) regulations, which require employee salaries to be paid through approved banking channels. Payroll data must be submitted to banks in specific file formats before salary disbursement.

Keka enables payroll administrators to generate WPS-compliant bank upload files directly from payroll, eliminating the need for manual file preparation.

This feature helps ensure compliance with regional payroll regulations and reduces the effort required to prepare bank-specific salary disbursement files.

Supported Countries

WPS file generation is supported for the following GCC countries:

• United Arab Emirates (UAE)

• Qatar

• Saudi Arabia

Supported Banks

Keka currently supports WPS file generation for the following banks:

Each bank requires salary files in a specific format and structure. Keka automatically generates the required format based on the selected bank.

Supported File Formats

Depending on the bank requirements, the system generates files in one of the following formats:

• SIF (Salary Information File)

• CSV

• XLSX

• WPY

These files can be downloaded from the payroll module and uploaded to the respective bank portal for salary processing.

Key Features

The WPS file generation module provides the following capabilities:

• Automatic generation of bank-specific salary disbursement files

• Multi-country support for UAE, Qatar, and Saudi Arabia

• Built-in validations based on bank file specifications

• Support for both bank account payments and salary cards (pay cards)

• Reduced manual effort in preparing payroll bank upload files

Bank-Specific File Requirements

HSBC (UAE)

• File format: XLSX

• Contains 44 columns including detailed allowance breakdown

• Supports allowance categories such as:

  • Housing

  • Conveyance

  • Medical

  • Annual Passage

  • Overtime

• Supports up to six email notification recipients

File Naming Format

TC08_[EstablishmentID]_[YYYYMMDD]_[HHMM].xlsx

RAK Bank (UAE)

• File format: SIF

• Requires 14-digit zero-padded employee IDs

• Includes company header information

File Naming Format

sif_[EstablishmentID]_rakb_[YYYYMMDD]_[HHMM].sif

Note:
Excel sheets shared by clients are typically used for internal reconciliation and are not generated by the system.

Emirates NBD (UAE)

• File format: CSV with SIF extension

• Requires 13-digit employer ID

• Includes routing codes for bank identification

Routing codes:

• Emirates NBD – 302620122

• Emirates Islamic – 703420114

File Naming Format

[13-digit EmployerID][DDMMYYHHMM]00000.sif

Commercial Bank of Qatar (CBQ)

• File format: CSV

• Separate file handling may apply for paycard employees

File Naming Format

sif_[ComputerCardNumber]_CBQ_[YYYYMMDD]_[HHMM].csv

Employees earning less than QAR 4,000 must be processed through paycard payments as per bank guidelines.

Arab National Bank (Saudi Arabia)

• File format: WPY

• Record structure includes:

  • Header (H)

  • Detail records (D)

  • Summary record (SCR)

File Naming Format

WPYDDMMYYYY[SequenceNumber]

Additional requirements:

• Date format: DDMMYYYY

• Supports Iqama numbers and Saudi national IDs

• File submission cutoff time: 2:30 PM – 3:00 PM