RTA Fine Instalment Guide: Pay Your UAE Traffic Fines Easily

In the UAE, the Roads and Transport Authority (RTA) offers a convenient instalment plan to ease this financial strain. This guide explains how to pay RTA traffic fines in instalments, who is eligible, and the steps to follow, ensuring you stay compliant without stress. 

What is the RTA Fine Instalment Plan?

The RTA, in collaboration with select banks, introduced an interest-free instalment plan for traffic fines in 2018. This service allows drivers to split their fines into manageable monthly payments over 3, 6, 9, or 12 months. The plan applies to fines issued by the RTA across the UAE, not just in Dubai, and is designed to promote financial flexibility and road safety compliance.

Key Features of the Instalment Plan

• Interest-Free: No additional charges or bank fees for instalments.
• Flexible Tenure: Choose repayment periods of 3, 6, 9, or 12 months.
• Quick Approval: Applications are processed in about 5 minutes.
• No Minimum Fine for Individuals: Unlike the previous system, which required a fine of AED 5,000 for individuals, any fine above AED 500 now qualifies.

What is the Eligibility for the RTA Traffic Fine Instalment Plan?

To qualify for the instalment plan, you must meet these criteria:

• Hold a valid credit card from one of the RTA’s partner banks.
• The RTA must issue the fine (note: Dubai Police fines have a separate instalment process).
• The total fine amount should be AED 500 or more for individuals (AED 20,000 for companies in some cases).

Partner Banks Offering Instalment Plans

The RTA collaborates with several leading banks to facilitate instalment payments. Below is a list:

Note: Always confirm with your bank for specific terms, as conditions may vary.

How to Pay RTA Traffic Fines in Instalments?

Follow these steps to pay your RTA fines in instalments:

1. Check Your Fines:
• Visit the RTA website (www.rta.ae) or the RTA Dubai app.
• Navigate to the “Check Your Fines” section.
• Enter your Traffic File Number, vehicle plate number, or license details to view outstanding fines.
2. Select Instalment Option:
• Log in to the RTA Dubai app or website.
• Choose the fines you wish to pay and select the instalment option.
• Pick your preferred tenure (3, 6, 9, or 12 months).
3. Choose Payment Method:
• Use a credit card from a partner bank.
• Complete the payment through the secure payment gateway.
4. Get Approval:
• Approval is typically granted within 5 minutes.
• You’ll receive confirmation via SMS or email.
5. Monitor Payments:
• Track your instalment payments through your bank’s app or the RTA platform.

Alternative Payment Platforms

You can also pay RTA fines via:

• Dubai Police Website/App: For fines issued by Dubai Police, not RTA.
• DubaiNow App: A convenient app for multiple government services.
• Smart Kiosks: Located at RTA Customer Happiness Centres, accepting card payments.

What are the Benefits of Paying RTA Fines in Instalments?

• Financial Ease: Spread large fines over months to avoid a one-time hit.
• No Extra Costs: Interest-free plans mean you pay only the fine amount.
• Convenience: Apply and pay online, saving time and effort.
• Avoid Penalties: Timely payments prevent late fees, vehicle impoundment, or license suspension.

How to Get Discounts on RTA Traffic Fines?

The RTA and Dubai Police occasionally offer discounts to encourage timely payments:

• Early Payment: Up to 50% off if paid within 60 days; 25% off within 90 days.
• Clean Record: Up to 100% discount for no violations in 12 months.
• Special Occasions: Discounts during National Day, Ramadan, or Eid (e.g., 50% off for fines before December 2024).

Discount Structure for RTA Fines

How to Dispute an RTA Traffic Fine?

If you believe a fine was issued in error, you can dispute it:

• Time Limit: Submit a dispute within 30 days of fine issuance.
• Process:
• Visit the RTA website and fill out the dispute form.
• Provide evidence (e.g., photos, videos, or proof of whereabouts).
• Alternatively, visit an RTA Customer Happiness Centre or call 800-9090.
• Response: You’ll be notified of the dispute status via SMS within 30 days.

What are the Tips to Avoid RTA Traffic Fines?

1. Follow Traffic Rules: Adhere to speed limits, wear seat belts, and avoid using mobile phones while driving.
2. Check Fines Regularly: Use the RTA app or website to stay updated.
3. Pay Promptly: Take advantage of discounts by paying early.
4. Maintain Vehicle Compliance: Ensure valid registration and insurance to avoid fines.

FAQs

1. Can I pay RTA fines in instalments for any vehicle?

Yes, the instalment plan applies to all UAE-registered vehicles, not just those registered in Dubai.

2. Is there a fee for checking RTA fines?

No fee is charged for online checks via the RTA website or app. A AED 5 fee applies for paper receipts at service centres.

3. What happens if I miss an instalment payment?

Missing payments may lead to penalties or cancellation of the instalment plan. Contact your bank or RTA immediately to resolve issues.

4. Can I pay RTA fines in instalments with a debit card?

No, instalment plans are typically available only with credit cards from partner banks.

5. Are there discounts for early payment in 2025?

Yes, you can get a 50% discount if paid within 60 days or 25% within 90 days, depending on the violation.