SIO contribution rates in Bahrain (2026): Bahrainis and expatriates

Bahrain's Social Insurance Organization (SIO) collects different contributions for Bahraini and expatriate employees. For Bahrainis the employer's pension share has been rising each year since 2024.

· How we check our guides

Bahraini employees

Pension, employee7 %
Pension, employer (2026)15 %
Unemployment, each side1 %
Work injury, employer3 %
Total: employee / employer8 % / 19 %

The rising employer share

The employer's pension share was 12 % until 2023. Under the pension reform it has risen by one point each January since 2024, to 15 % in 2026. Check the SIO's table each January.

Expatriate employees

Work injury, employer3 %
Unemployment, each side1 %
Leaving indemnity, employer4.2 % (first three years), 8.4 % after

The wage it is worked on

Contributions are worked on the monthly wage up to BHD 4,000. They are paid to the SIO monthly.

How Aqid ERP handles it

Aqid ERP's payroll takes each rate for the month by its payday, so the January steps apply without anyone editing a formula, and splits each line into employee and employer shares on the payslip and in the books.

Questions

What is the employer's SIO rate for Bahrainis in 2026?

15 % pension, 3 % work injury and 1 % unemployment: 19 % in all.

What does the employee pay?

A Bahraini pays 7 % pension and 1 % unemployment. An expatriate pays 1 % unemployment.

Is there a wage cap?

Yes, BHD 4,000 a month.

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