Guide
Form 106, explained for a foreign bank
The annual employer certificate is the anchor income document in an Israeli file — and the least familiar one to a reviewer abroad. Here is how it is organised, and what a faithful translation must preserve.
What Form 106 is
Form 106 (טופס 106) is the certificate every Israeli employer issues after the tax year ends, summarising what it paid you and what it withheld: salary, income tax, national insurance, and pension and provident contributions. One employer, one form, one year.
For a lender it does what months of payslips can't: it states the year's income in one authoritative document, issued by the employer's payroll.
How the form is organised
Identification
Employer and employee details — names, ID number, the employer's deductions file and assessing office. The first things cross-checked against the rest of your file.
Salary and other payments
The numbered boxes stating what was paid — regular salary alongside items like overtime, bonuses and benefits, each in its fixed box.
Tax and national insurance withheld
What was deducted at source — the figures a reviewer compares against your payslips.
Pension and provident contributions
Employee and employer contributions, including section-coded items such as Sec. 47 deductions — dense, coded, and easy to mistranslate.
Credit points and personal details
The tax-credit data behind the withholding calculation.
Why the boxes and codes must survive translation
The box numbers are a fixed national structure: anyone who knows Israeli files navigates the form by number, and every total is checked against its component boxes. A translation that drops the numbers or reorders the layout can't be cross-checked — and an income document that can't be cross-checked doesn't do its job.
That is why our Form 106 translation preserves every box number and code in place, mirrors the layout, and reconciles every total against its components before delivery.
Common questions
Which year's Form 106 will the bank want?
Usually the most recent tax year; some lenders ask for two years to see stability. If the new form isn't issued yet, lenders usually take the previous year's form alongside recent payslips — check with your bank.
I had more than one employer that year.
Each employer issues its own Form 106, and the bank will want all of them — the year's income is their sum. We translate them as one batch so wording and layout stay consistent.
I can't find mine.
Your employer's payroll department can reissue it — it's a standard request. Send us the clearest copy you get; a sharp scan is enough.
Ready to translate your Form 106?
Print-ready PDF · handled in confidence · a few days for most jobs