Zurich Workplace Solutions
Zurich Workplace Solutions (Middle East) Limited administers DEWS, the DIFC Employee Workplace Savings Plan, for DIFC employers. It also offers a DEWS plan for Dubai Government entities and free zone authorities.
Go to zws.zurich.ae- Legal name
- Zurich Workplace Solutions (Middle East) Limited
- Regulator
- Dubai Financial Services Authority2
- Licence
- Regulated by the DFSA. Incorporated in DIFC, registration No. 3595
- Register number
- F005650
- Role
- DEWS plan administrator
What does Zurich do for your DEWS savings?
It is the plan administrator of DEWS. DIFC chose Zurich Middle East as administrator, with Equiom as master trustee, Mercer as investment adviser and Smart Pension as technology provider.1 Zurich names Equiom Fiduciary Services (Middle East) Limited, DIFC Branch, as the plan operator and master trustee.2
Zurich says the trustee, administrator and investment adviser are all regulated by the Dubai Financial Services Authority, and that a supervisory board oversees the plan’s governance.2
Zurich also offers a DEWS plan for Dubai Government entities and free zone authorities, not yet for private sector or free zone member companies.3
What funds can your savings go into?
If you make no choice, your money goes into the default Low/Moderate Growth fund. You can change your investment choice at any time, including to Sharia-compliant options.3
What does it charge?
| Charged by | Fee a year |
|---|---|
| Plan administrator (Zurich) | 0.80% |
| Trustee (Equiom) | 0.20% |
| Investment adviser (Mercer) | 0.23% |
| Investment management, by fund | 0.03% to 0.65% |
Fees are deducted daily through the fund price.4
How do you check your balance and get paid?
Your employer enrols you and you receive an activation email. You can then use your online account or the Zurich Workplace Savings app to see contributions and valuation, choose investments and name beneficiaries.3
After you leave your employer you can withdraw all or part of your balance online, or stay invested. Zurich says it can pay locally or internationally.3 The contribution rules are on DEWS.
How do you contact Zurich about DEWS?
DIFC gives dews.support@zurich.com for DEWS enquiries.1
Sources
4
1Dubai International Financial Centre, Qualifying Schemes. Last checked 12 Nov 2026. Source document: Qualifying Schemes
2Zurich Workplace Solutions, DEWS FAQ. Last checked 12 Nov 2026. Source document: DEWS FAQ
3Zurich Workplace Solutions, DEWS for employees. Last checked 12 Nov 2026. Source document: DEWS for employees
4Zurich Workplace Solutions and DIFC, DEWS Employer Executive Guide. Last checked 12 Nov 2026. Source document: DEWS Employer Executive Guide
- Owner
- Pensions.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published