With a Ratibi Card, you can conveniently access your balance from anywhere in the world. Offered by FAB (First Abu Dhabi Bank), the Ratibi Card makes it simple to manage your salary and balance inquiries. You can check your Ratibi Card salary updates and balance online using the FAB mobile app, via SMS, or at any ATM

The Ratibi Card stands out for its flexibility, offering smart features such as worldwide acceptance, free 24/7 ATM withdrawals, instant balance checks—including FAB Balance Check, NBAD Balance Inquiry, and Ratibi Card Salary Check—and the ability to make secure online payments

Do you want Nbad Balance Inquiry: FAB Balance Check

What is the Ratibi Card?

The Ratibi Prepaid Salary Card is a payroll solution designed to handle timely salary distribution. It allows employees earning up to AED 5,000 to receive their salaries directly on the card, without needing a bank account. This system benefits both employers and employees by simplifying salary management and ensuring secure payments.

Main Purpose:

The Ratibi Card is created to address challenges such as fraud, payroll complexity, and trust in the salary distribution process, making it a highly reliable solution in the UAE. Known as a Payroll Solution, it enables employers to pay multiple employees electronically while maintaining secure records, even for those without bank accounts. The Ratibi Card operates under the Wage Protection System (WPS) to prevent scams and guarantee that employees receive their salaries on time.

6 Easy Methods for Ratibi Card Salary Check

Check Ratibi Card Balance via PPC Inquiry (Magnati)
Visit the official Magnati PPC Inquiry page at: https://ppc.magnati.com/ppc-inquiry to quickly check your Ratibi Card balance online.

Then, you’ll see following input boxes:

• Enter the last two digits of your Ratibi Card number.
• Enter your Card ID number (printed on the front or back of your card).
• Make sure both details are entered carefully and accurately.
• Click the “Go” or “Submit” button to proceed.

• After few seconds — your current card balance and transaction details will appear on the screen.

Ratibi Card Balance Check via FAB Official Website

Visit the Official website of FAB Bank  www.bankfab.com

Enter the last 4 digits of your Ratibi Card number, your Card ID, and the Captcha (human verification code), then check your balance instantly within a few seconds.

Ratibi Card Salary Check via FAB Mobile App

Download the official FAB Mobile App from the Apple App Store, Google Play Store, or Huawei AppGallery to easily check your Ratibi Card salary and balance.

Log in to the FAB Mobile App by entering your Customer ID and App password.

• Complete the OTP verification process to secure your login.
• Optionally, enable Fingerprint and other security features for added protection.
• On the Home screen, tap the “Cards” option at the bottom.
• Select “Prepaid Cards” from the list of FAB cards.
• Choose your Ratibi Card to view the balance and transaction details.

Ratibi Card Salary Check Online via Payit App

Install the official Payit App

Now using the provided link: Official Payit to easily check your Ratibi Card salary and balance online.

Open the app and tap Sign Up with Ratibi Card

• Log in to the Payit App using your mobile number.
• Enter the Payit PIN you created during registration.
• Complete the OTP verification process to securely access your account.

Your Ratibi Card balance will be displayed on the home screen. To view more details, click “View Card” located beneath the card image.

The Payit App offers convenient services designed to make your everyday banking and payments simpler and more efficient.

Check Ratibi Card Salary by WhatsApp

• Open WhatsApp and add +971 56 518 9997 to your contacts, naming it FAB ONLINE BANKING.
• Send “Hi” or “Hello” to start the session.
• Enter the OTP sent to your registered mobile number when prompted.
• Type “Balance” to FAB ONLINE BANKING to quickly check your Ratibi Card balance.
• Limitation: The WhatsApp session expires in 15–30 minutes. To check your balance again, you must repeat the verification process.
• Many users prefer the Payit App or official online websites for faster and more convenient balance checks.

Register a Mobile Number For Ratibi Card Salary Check

FAB Ratibi Card Benefits

The FAB Ratibi Card offers a wide range of benefits for both employees and employers, combining financial convenience, safety, and global usability.

Financial Benefits

• Direct Salary Deposit: Salaries are credited directly to your Ratibi Card—no bank account is needed.
• No Minimum Balance or Monthly Fees: You only pay for services that aren’t free.
• Free Cash Withdrawals: Access your money at FAB ATMs anytime.
• Pay-As-You-Use: Fees are based on usage, not fixed charges.

Safety & Control

• EMV Chip & PIN Protection: Every card comes with secure chip technology and PIN security.
• PIN Management: Choose or reset your PIN anytime at FAB ATMs.
• Free SMS Alerts: Receive notifications for every credit, debit, or transaction.
• Real-Time Fraud Monitoring: Get an instant SMS if any suspicious activity occurs.

Fast & Convenient Access

• Instant Salary Availability: Funds are available on your card immediately after your employer transfers salaries.
• Multiple Access Points: Check your balance via ATMs, FAB Online Portal, Payit App, or SMS.
• 24/7 ATM & CDM Access: Use FAB ATMs and Cash Deposit Machines at any time.
• Customer Support: Round-the-clock assistance through FAB’s call center.
• Automated Payroll Processing: Fully digital and hassle-free salary management.

Free Insurance Benefits

• Personal Accident Cover: Up to 5X your monthly salary (max AED 25,000) for accidental death or permanent disability.
• Accident Hospitalization: AED 50 per day for up to 30 days (max AED 1,500) after a 24-hour minimum stay.
• Repatriation: Your family receives approximately AED 5,000 if mortal remains are returned home.
• Travel Delay Support: Assistance is provided in case of flight delays.

Global Acceptance

• Works at ATMs, POS terminals, and online stores across the UAE.
• Accepted worldwide on Visa and Mastercard networks.
• Ideal for shopping, bill payments, groceries, and e-commerce.

Benefits for Employees

• Direct Salary Credit: Receive salary automatically on payday.
• Instant Access: Use your card immediately for withdrawals or purchases.
• Free SMS Alerts: Stay updated on every transaction.
• PIN Flexibility: Change your PIN at any FAB ATM whenever needed.
• Complimentary Insurance: Accident, hospitalization, and repatriation coverage included.
• 24/7 Customer Support: Get assistance anytime for your queries or issues.

FAB Ratibi Card Salary Check 2026 – Complete Guide

The Ratibi Card by First Abu Dhabi Bank (FAB) allows employees to access their salaries conveniently, even without a bank account. With the Ratibi Card, checking your salary balance, managing transactions, and keeping track of payments is easy through mobile apps, SMS, ATMs, or online portals.

FAB Ratibi Card Eligibility Criteria

For Employers

• FAB Corporate Banking Account: Employers must have a corporate account with FAB to process bulk salary disbursements.
• Compliance: All required documents and regulations must be fulfilled.
• WPS Registration: Employers must register with the UAE Ministry of Human Resources & Emiratisation’s Wage Protection System (WPS) to upload and fund salary files.
• Payroll File Submission: Employers must know how to use FAB-approved templates to submit employee salary details accurately.

For Employees

• UAE Residency: Must hold a valid UAE Residency Visa and Emirates ID.
• KYC Documentation: Complete and accurate details must be submitted in the FAB KYC form.
• Salary Limit: Must earn up to AED 5,000.
• Age Requirement: Must be 18 years or older.

Benefits for Employers

• Simple, Stress-Free Salary Distribution: One bulk transfer covers all employees at once.
• Secure Transfers: Salaries are sent directly from the company account to employee Ratibi Cards.
• Real-Time Payroll Management: Monitor and manage payroll instantly through online banking.
• Flexible, Automated Schedules: Reduce errors with automated and customizable payroll cycles.
• WPS Compliance: Fully adheres to UAE Wage Protection System regulations.
• Cost-Effective: Lower operational costs compared to handling cash.
• Dedicated Support: Access specialized assistance and tailored payroll solutions.

Required Documents

Employer Documents

• Trade license or corporate registration documents
• Board resolution or power of attorney
• Last three months’ corporate bank statements
• FATCA/CRS self-certification (if applicable)
• Completed Employer Application Form + employee Excel sheet

Employee Documents

• Emirates ID copy (front & back)
• UAE residency visa copy
• Ministry of HR & Emiratisation labor card
• Completed FAB KYC form

Ratibi Card Salary Check App Download

Easily manage your Ratibi Card salary and balance using the official app:

1. Open Google Play Store (Android) or Apple App Store (iPhone).
2. Search for “Ratibi Card Salary Check” or “FAB Ratibi”.
3. Locate the official app published by First Abu Dhabi Bank (FAB) and ensure it is verified.
4. Tap Install (or Get on iPhone) and wait for the download to complete.
5. Open the app and log in using your Ratibi Card number or registered mobile number.

After setup, you can instantly check your salary balance, transaction details, and payment dates anytime.

How to Apply for Ratibi Salary Card

• Employers register for the Ratibi Card system to pay employees earning AED 5,000 or less.
• Submit company documents along with employees’ ID, visa, and labor card copies to FAB.
• Salaries are transferred directly from the employer’s bank account to employees’ Ratibi Cards via WPS.
• Employees can use their cards immediately, and employers no longer need to handle cash, making the system fully automatic and reliable.

FAB Ratibi Card Activation

1. Download and install the FAB Mobile App.
2. Log in or register as a new user.
3. Go to the Cards or Account Services section.
4. Select your Ratibi Card from the list.
5. Tap Activate and enter the required details:
   • Card number or last 4 digits
   • Expiry date
   • Card ID
   • Emirates ID or registered mobile number (if requested)
6. Create a 4-digit PIN.
7. Confirm activation and wait for an SMS or in-app notification confirming your card is active.

How to Get Your Ratibi Card Statement

Option 1: Via Magnati PPC Inquiry Portal

• Visit: https://ppc.magnati.com/ppc-inquiry
• Enter the last 2 digits of your Ratibi Card number and your Card ID.
• Click Go or Submit to view your current balance and recent transactions.
• You can view or print this as your statement.

Option 2: Through FAB Mobile App

• Open the FAB Mobile App and log in.
• Go to Cards and select your Ratibi Card.
• Tap Transactions or Statement to see salary deposits and spending.
• Statements can be downloaded or emailed directly from the app.

Option 3: Visit FAB ATM or Branch

• Insert your card into an FAB ATM → Select Mini Statement to view or print recent transactions.
• Alternatively, visit an FAB branch and request a printed statement from customer service.

WPS vs Non-WPS Salary Payment

Wage Protection System (WPS)

• WPS is a UAE Central Bank and Ministry program ensuring timely and secure salary payments.
• Employers submit employee details to the WPS portal, and salaries are automatically transferred to each employee’s card.
• Reports are sent to regulators to ensure compliance with labor laws.

Benefits:

• Complies with UAE Central Bank and Ministry rules
• Automated monitoring eliminates risk of delayed payments
• Salaries move electronically—no cash handling
• Single transfer pays all employees efficiently

Non-Wage Protection System (Non-WPS)

• Companies pay salaries electronically without government monitoring.
• Employers upload a bulk salary file, and the bank distributes funds to employees automatically.

Benefits:

• Cost-effective: Salaries transferred in local currency with no extra fees
• Efficient: Bulk transfer simplifies payroll management
• Secure: Electronic transfers reduce errors and cash handling issues

Customer Support and Helpline

Ratibi Card Support assists with balance inquiries, card activation, lost or stolen cards, and transaction issues:

• Within UAE: 600 52 5500 (FAB / Ratibi / Prepaid)
• International: +971 2 681 1511
• Prepaid / Magnati Support (UAE): 600 52 2298
• Magnati Contact Center: 600 525 002

FAQs

How to change your mobile number on Ratibi Card?

• Visit the nearest FAB branch or ask your employer’s HR department to update your registered mobile number.

How to transfer money from Ratibi Card?

• Withdraw cash at an ATM and deposit it into another account. Direct online transfers are not available.

Ratibi card mobile number change

• Must be done in person at an FAB branch or through your employer.

Final Verdict

For everyday balance checks and transactions, the Payit App is the fastest and most convenient method. It provides instant balance display, transaction details, and additional services such as sending money abroad.

The FAB Mobile App offers rich features for comprehensive banking, but Payit is preferred for speed and simplicity.

• Employers: Using Ratibi can enhance employee satisfaction and streamline payroll management.
• Employees: Understanding all Ratibi Card features ensures easy access to salaries, payments, and financial control.