Understanding Zakat in the UAE
Paying Zakat is one of the five pillars of Islam, a mandatory charitable contribution for those who meet the wealth criteria (Nisab). In the UAE, the Zakat Fund is the specialized government authority responsible for collecting and distributing Zakat to deserving beneficiaries in accordance with Sharia law.
Before making a payment, ensure you know the exact amount due. You can easily calculate your Zakat here(opens in a new tab) to ensure accuracy.
Eligibility Guide: Who Needs to Pay vs. Who Can Receive
1. Eligibility to Pay Zakat (The Payer)
You are obligated to pay Zakat if you meet the following conditions:
- Muslim: Zakat is a religious duty for Muslims.
- Nisab (Minimum Wealth): Your wealth (cash, gold, silver, business assets) must exceed the Nisab threshold (equivalent to 85g of gold).
- Hawl (Duration): You must have held this wealth for one full lunar year.
- Rate: The standard rate is 2.5% of your total savings/wealth.
2. Eligibility to Receive Zakat (The Beneficiary)
To apply for Zakat assistance in the UAE, you must fall into one of the eligible categories defined by Sharia and UAE regulations. Common eligible groups include:
- Low-Income Families: Households where the total income does not cover basic needs (rent, food, education).
- Orphans & Widows: Individuals who have lost their primary breadwinner and lack financial support.
- People of Determination: Individuals with disabilities requiring medical or financial aid.
- The Unemployed: Residents seeking work who cannot meet daily expenses.
- Debtors: Individuals facing legal or financial crises due to unmanageable debt (excluding loans for luxury items).
- Students: "Needy Student" projects support those unable to pay tuition fees.
- Patients: Those unable to afford critical medical treatments.
Required Documents for Application
If you plan to apply for assistance, you must prepare digital copies of the following documents to prove your eligibility:
- Valid Emirates ID: Front and back copies for all family members.
- Proof of Income: Latest Salary Certificate. If unemployed, a letter from the court or labor department is required.
- Bank Statements: Official statements for the last 3 to 6 months.
- Residency Proof: Valid Tenancy Contract and Electricity Bill (DEWA/SEWA).
- Supporting Documents: Specific papers depending on your case (e.g., Medical report, Divorce certificate, Death certificate of guardian).
Official Channels to Pay Zakat Online
The UAE government provides several digital platforms to make paying Zakat fast, secure, and transparent:
- Zakat Fund Website(opens in a new tab): The primary portal for calculation and payment.
- DubaiNow App: Under the "Donations" or "Islam" section, you can pay Zakat directly.
- Zaki Platform: A smart electronic platform for easy Zakat payments.
- Bank Apps: Most major UAE banks (ADCB, ENBD, DIB) have a "Zakat Fund" payment option in their bill payment section.
- AWQAF Portal: You can also pay directly via the General Authority of Islamic Affairs and Endowments at Awqaf Zakat Payment(opens in a new tab).
How to Apply for Zakat Assistance
If you are in need and meet the eligibility criteria listed above, you can request financial support through the Zakat Fund.
f you are in need and have your documents ready, you can request financial support through two main government channels:
Option 1: Applying via Zakat Fund
- Best for: General financial aid, student support, and medical cases.
- Process: Fully digital via the Zakat Fund Website(opens in a new tab).
- Steps: Register > Upload Documents > Track Status.
Note: If your request is rejected or the amount is insufficient, you have the right to apply for a petition to restudy your case through the same portal.
Option 2: Applying via Awqaf (Disbursement of Zakat)
The General Authority of Islamic Affairs (Awqaf) offers services for New, Renewal, Urgent, and Needy Families.
Service Conditions:
- Religion: Applicant must be Muslim.
- Residency: Must be a UAE Citizen or Legal Resident.
- Login: UAE PASS is required to register.
Step-by-Step Application Process (Awqaf):
- Book an Appointment: You may need to reserve an appointment via the Awqaf Website(opens in a new tab) or app.
- Submit Application: Upload your documents (ID, Income Proof, DEWA bill) and submit the request online.
- Committee Review: Your application is submitted to the Zakat Disbursement Committee for study.
- Approval & Disbursement: Once approved, aid is delivered.
Tip: Zakat funds are often distributed through specific seasonal campaigns. Check the Project Agenda on the Awqaf website early in the year to catch registration windows for major Zakat projects like University Scholarships or Ramadan Aid.