What Is a Certificate of Employment?
A Certificate of Employment (COE) is a document issued by an employer confirming that a person is — or was — employed by the company. At minimum it states the employee's name, position, and the inclusive dates of employment. It is a plain factual certification: it is not a recommendation letter, and it is not the employment contract.
It is also known as a certification of employment or employment certificate, and in Filipino as a sertipiko ng empleyo or katunayan ng paninilbihan. Whatever it is called, it does the same thing — it puts an employer's confirmation of your position and employment dates in writing on the company letterhead.
Because a COE is an internal company document signed by an authorized officer, it does not need to be notarized. The signed, letterhead version is what banks, embassies, and HR departments accept.
When Do You Need a Certificate of Employment?
A COE is one of the most frequently requested HR documents in the Philippines. Common situations:
- Bank and loan applications — lenders require proof of employment, and often the salary, before approving a personal, housing, or auto loan
- Visa applications — embassies ask for a COE to show stable employment and ties to the Philippines
- New job applications — a prospective employer verifies your previous position and tenure
- Government transactions — Pag-IBIG, SSS, and PhilHealth matters that require proof of employment
- Credit cards and financing — issuers verify employment as part of the application
- Clearance after resignation — separated employees request a COE to document their tenure and position for their next employer
What a Certificate of Employment Must Contain
A clear, acceptable Certificate of Employment should include:
- Company letterhead — the company name and address at the top, so the certification is clearly attributable to the employer
- Title and date — the heading "Certificate of Employment" and the date of issuance (a reference or certificate number is optional)
- Employee's name and position — the full name and the position or designation held
- Inclusive dates of employment — the start date, and for a former employee, the end date; for a current employee, that they are employed "up to the present"
- Compensation (optional) — the salary, included only when the receiving institution requires it
- Purpose — a neutral statement that the certification is issued upon the employee's request for the stated purpose
- Authorized signatory — the name and title of the signing officer (usually HR or a manager)
Free Certificate of Employment Sample
Below is a sample Certificate of Employment generated by Legalia for a currently employed worker, with an optional certificate number and a stated purpose. The wording is composed automatically from your entries; the letterhead and signature block are produced for you.
Certificate No.: COE-2026-001
June 12, 2026
TO WHOM IT MAY CONCERN:
This is to certify that Juan Dela Cruz is currently employed by ABC Trading Services as Sales Associate from March 15, 2022 up to the present.
This certification is issued upon the request of Juan Dela Cruz for a bank loan application.
Need the salary on it? Toggle on compensation and Legalia adds a line such as "Juan Dela Cruz is currently receiving a gross monthly salary of …" — include it only when the bank or office actually requires it. For a former employee, the wording switches to past tense with the end date, and you can optionally state that the employee was separated in good standing.
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Unlock & Generate — ₱199 or get All-Access — ₱999/30 daysWhat DOLE Requires: The 3-Day Rule
Employers in the Philippines cannot refuse to issue a Certificate of Employment. Under DOLE Labor Advisory No. 06, Series of 2020, an employer must issue a COE within three (3) days from the time of the employee's request — whether the worker is current or already separated. The COE simply states the position held and the inclusive dates of employment; it is a factual document, so it need not be favorable and cannot be withheld as leverage in a dispute or to pressure a departing employee. If an employer fails to issue one, the employee may raise the matter with the DOLE regional office.
How to Request or Write a Strong Certificate of Employment
- Address your request to HR. A short written or emailed request to your HR department or immediate supervisor is enough — cite that you need a COE and, if relevant, that you need the salary stated.
- State the purpose. Mention what the COE is for (a bank loan, a visa, a new employer). It lets HR include the right details — for example, salary for a loan.
- Use the company letterhead. The certification must clearly come from the employer. The company name and address belong at the top.
- Keep it factual. Position and inclusive dates only, unless salary is requested. A COE is not a reference letter and should not editorialize on performance.
- Have it signed by an authorized officer. Usually HR or a manager. An unsigned certificate will not be honored.
- Request early. Although DOLE requires issuance within three days, give yourself a buffer before any deadline at the bank or embassy.
Certificate of Employment vs. Certificate of Employment and Compensation (CEC)
The two are closely related but not identical. A plain Certificate of Employment confirms position and employment dates. A Certificate of Employment and Compensation (CEC) is a COE that additionally states the employee's pay — banks frequently ask for a CEC for loan applications because they need to verify income. With Legalia you produce either one from the same form: leave compensation off for a basic COE, or toggle it on (and choose gross, basic, or net, monthly or annual) when the receiving institution requires the salary. Include the salary only when it is actually needed; for many purposes a basic COE is enough.