Ratibi Balance Check Number: All Methods, Tips & Complete 2026 Guide
Every UAE worker using a prepaid payroll card deserves quick and easy access to their earnings. The ratibi balance check number and all other available methods allow Ratibi cardholders to monitor their salary status anytime, anywhere — whether they are at home, at work, or on the go.
All Methods for Ratibi Card Salary Check
The Ratibi Salary Card, issued by First Abu Dhabi Bank (FAB), offers multiple reliable ways to perform a salary or balance inquiry. Whether you prefer online platforms, mobile apps, SMS, ATM machines, or a direct phone call using the ratibi balance check number, there is a method for every kind of user. The table below gives a quick overview before we dive into each method in detail.
| Method | Online/Offline | Speed | What You Need |
| PPC Inquiry (Magnati Portal) | Online | Instant | Card ID + last 2 digits |
| FAB Website (Online Banking) | Online | Seconds | FAB login credentials |
| FAB Mobile App | Online | Seconds | App login + registered mobile |
| Payit App | Online | Seconds | Emirates ID + card details |
| Customer Care / WhatsApp | Offline | 3–5 min | Card details + registered mobile |
| ATM Machine | Offline | 1–2 min | Ratibi Card + PIN |
| SMS Banking | Offline | 1–3 min | UAE registered mobile number |
| POS Machine (Shop) | Offline | Instant | Ratibi Card + PIN |
| Email Alerts | Online | Automatic | Registered email address |
| Branch Visit | Offline | Varies | Ratibi Card + Emirates ID |
Ratibi Card Balance Check via PPC Inquiry (Magnati)
The PPC (Prepaid Card) Inquiry Portal, powered by Magnati, is the fastest and most direct way to check your Ratibi card balance online without logging into the full FAB banking portal.
Steps:
- Open your internet browser and search for “PPC Inquiry Magnati” or navigate to the official Magnati prepaid card inquiry page.
- On the inquiry page, enter the last two digits of your Ratibi Card number.
- Enter your Card ID (printed on the back of your card).
- Click the “Go” button.
- Your current salary balance will be displayed on the screen instantly.
Tips: This method works 24/7 and does not require a full FAB account login. It is ideal for workers who are not tech-savvy and just need a quick balance check. Always access the page from a secure, private internet connection.
How to Do Ratibi Card Salary Check Online (FAB Website)
First Abu Dhabi Bank’s official website provides a full online banking portal where you can check your Ratibi salary card balance, view your transaction history, and download statements.
Steps:
- Open your browser and go to the official First Abu Dhabi Bank website.
- Click on “Sign In” and select “Personal Online Banking – UAE.”
- Enter your registered username and password. If you are a new user, click “Register” and complete the sign-up process.
- After logging in, go to “Accounts” or “Cards” from the dashboard.
- Select your Ratibi Salary Card from the list.
- Your available balance and recent transactions will appear on the screen.
Pro Tip: The FAB website also allows you to download a full account statement in PDF format, which is useful for visa applications, loan processing, or personal budgeting.
How to Check Your Ratibi Card Balance Using the FAB Mobile App
The FAB Mobile App brings all your banking needs to your smartphone. It is available on Android (Google Play Store), iOS (Apple App Store), and the Huawei App Gallery, making it accessible to virtually all UAE smartphone users.
Steps:
- Download and install the FAB Mobile App from your device’s official app store.
- Open the app and tap “Get Started.”
- Log in using your FAB username and password. New users must complete the registration process first.
- After logging in, tap on “Cards” or “Accounts” from the home screen.
- Select your Ratibi Prepaid Salary Card.
- Your current balance and recent transaction history will appear immediately.
Why Use the App? The FAB Mobile App offers real-time notifications for every salary credit, spending alert, and account update. It is the most feature-rich method for ongoing card management.
Ratibi Card Salary Check Online by Payit APP
The Payit App, officially powered by FAB, is a dedicated digital wallet designed specifically for UAE residents who use prepaid salary cards, including the Ratibi card. It is the most recommended digital tool for Ratibi cardholders.
Steps:
- Download the Payit App from the Google Play Store, Apple App Store, or Huawei App Gallery.
- Open the app and tap “Get Started.”
- Select “Ratibi Card Holder” during the sign-up process.
- Verify your identity by scanning your Emirates ID.
- Enter your Card ID and the last two digits of your Ratibi Card.
- Enter your mobile number and the OTP sent to your phone.
- Create a 4-digit PIN to secure your account.
- Once setup is complete, your current balance will be displayed instantly on the app’s home screen.
Additional Payit Benefits: You can also pay utility bills (Du, Etisalat), Salik toll charges, Mawaqif parking fees, and send money internationally — all directly from the Payit app linked to your Ratibi card.
Ratibi Card Salary Check Number (WhatsApp & Customer Care)
Many workers prefer to use the ratibi balance check number by calling FAB’s customer care, especially those who are not comfortable with apps or online portals. This is a reliable, human-assisted method available around the clock.
FAB Customer Care Numbers:
| Contact Type | Number |
| UAE (Toll-Free) | 600 52 2298 |
| International | +971 2 499 6279 |
| Ratibi Dedicated Helpline | 600 52 2298 |
Steps to Check Balance via Phone:
- Dial the ratibi balance check number listed above.
- Listen carefully to the IVR (Interactive Voice Response) menu.
- Select the option for “Balance Inquiry” or speak naturally — FAB’s AI Virtual Agent understands normal conversation.
- Provide your card details or Emirates ID when requested for security verification.
- The agent or automated system will inform you of your current balance.
Important Note on WhatsApp: FAB has officially confirmed that it does not offer WhatsApp banking for regular balance inquiries. The only WhatsApp contact FAB maintains is for fraud and scam reporting only. Any person or service claiming to offer “FAB WhatsApp Banking” for salary checks is unofficial and potentially fraudulent. Always rely on the official ratibi balance check number for phone-based inquiries.
Ratibi Card Salary Check at ATM Machines
The ATM remains one of the most widely used and trusted offline methods for salary card balance inquiries. This approach requires no internet connection and no smartphone.
Steps:
- Locate the nearest FAB ATM. You can use the FAB branch or ATM locator on the official FAB website. Non-FAB ATMs may also work, though additional fees may apply.
- Insert your Ratibi Salary Card into the ATM slot.
- Select your preferred language.
- Enter your 4-digit PIN to authenticate.
- From the main menu, select “Balance Inquiry.”
- Choose “Display on Screen” to view your current balance immediately.
- Optionally, select “Print Receipt” to get a physical record of your balance.
ATM Network: The Ratibi card works on all VISA and MasterCard-enabled ATMs globally, not only FAB ATMs. However, using non-FAB ATMs in the UAE or internationally may incur additional transaction charges.
Ratibi Balance Check Number Online
Beyond the telephone helpline, the phrase “ratibi balance check number online” often refers to using the PPC Inquiry Portal or the FAB iBanking system — both of which act as online equivalents to dialing the ratibi balance check number. These platforms allow users to input their card details and retrieve balance information digitally, 24 hours a day, 7 days a week.
For users who need the ratibi balance check number but are traveling abroad or unable to make international calls, using the official FAB online banking portal or the Payit App is the most practical digital alternative. Both platforms are secured with multi-factor authentication to protect your financial data.
Ratibi Card Salary Check by SMS
SMS banking is a simple, internet-free method that works on any mobile phone — even basic non-smartphones. It is particularly useful for workers in areas with limited internet access.
Steps:
- Make sure your mobile number is registered with FAB and linked to your Ratibi card.
- Open your phone’s Messages or SMS app.
- Compose a new message containing your 13-digit Ratibi Card number.
- Send the SMS to 2121.
- Within 1 to 3 minutes, you will receive an SMS reply containing your current card balance and recent transaction summary.
Alternative SMS Format (NBAD Legacy Users): Type “BAL [space] Last 4 Digits of Card” (e.g., BAL 5678) and send it to 6222.
Note: Standard SMS charges from your mobile operator may apply. Ensure your number is correctly registered to avoid failed inquiries.
Checking Balance via POS Machines in Shops
Point-of-Sale (POS) terminals at retail stores and supermarkets across the UAE allow you to check your Ratibi card balance without the need for the internet or visiting a bank.
Steps:
- Visit any retail store or supermarket that has a POS terminal.
- Request a “Balance Inquiry” from the cashier.
- Insert your Ratibi Salary Card into the POS machine.
- Enter your PIN when prompted.
- Your available balance will appear on the POS screen or on the printed receipt.
This method is especially useful if you are already shopping and want to quickly confirm your balance before making a purchase. Note that not all POS machines support balance inquiries — it depends on the retailer and terminal settings.
Email Alerts & Online Statements
FAB offers automatic email alert services that send balance and transaction updates directly to your registered email address. This is a passive method — meaning you do not need to initiate a check; the bank sends you the information automatically.
What Email Alerts Include:
- Notification every time your salary is credited to your Ratibi card
- Alerts for any debit or spending transaction
- Low balance warnings
- Monthly account statement summaries
- Notifications of suspicious or unusual activity
How to Activate Email Alerts:
- Log into the FAB Online Banking Portal or the FAB Mobile App.
- Go to “Settings” or “Notifications.”
- Enter and verify your email address.
- Enable the types of alerts you want to receive.
- Save your preferences.
You can also request a full online statement through the FAB portal, selecting any custom date range. This is useful for record-keeping, audits, or financial planning.
How to Download Ratibi Card Salary Check App?
There are two primary apps recommended for Ratibi card balance management: the FAB Mobile App and the Payit App. Both are free to download and officially supported by First Abu Dhabi Bank.
FAB Mobile App:
- Android: Search “FAB Mobile” on Google Play Store
- iOS: Search “FAB Mobile” on the Apple App Store
- Huawei: Search “FAB Mobile” on the Huawei App Gallery
Payit App:
- Android: Search “Payit” on Google Play Store
- iOS: Search “Payit” on the Apple App Store
- Huawei: Search “Payit” on the Huawei App Gallery
Which App Is Better for Ratibi Users?
The Payit App is generally recommended for Ratibi salary card holders because it was designed specifically for prepaid and government payroll card users. It does not require a full FAB bank account and has a simpler interface tailored to workers who primarily want to check balances, pay bills, and send money.
What Is a Ratibi Salary Card?
The Ratibi Salary Card is a prepaid payroll card issued by First Abu Dhabi Bank (FAB) as part of the UAE’s Wages Protection System (WPS). It was specifically designed to help employers pay salaries to workers who earn up to AED 5,000 per month and who do not hold a traditional bank account.
The word “Ratibi” means “my salary” in Arabic, reflecting the card’s core purpose: giving low-income workers a secure, dignified, and convenient way to receive and spend their wages.
Key Features of the Ratibi Card:
- No requirement for a traditional bank account
- Accepted at all VISA and MasterCard ATMs and POS terminals worldwide
- Usable for online and in-store purchases
- Free personal accident insurance (up to 5× monthly salary or AED 25,000)
- Hospitalization benefit of AED 50/day (up to AED 1,500) for accidents
- Free SMS alerts on every salary credit
- 100% compliant with UAE WPS regulations
- No minimum balance requirement
- Cardholders can set their own PIN at FAB ATMs
FAB & NBAD: What’s the Difference?
Many Ratibi card users — particularly longer-term UAE residents — may still refer to their card as an “NBAD card.” This is because the National Bank of Abu Dhabi (NBAD) was the original issuer of the Ratibi Salary Card system before a major merger.
In 2017, NBAD merged with First Gulf Bank (FGB) to form what is now known as First Abu Dhabi Bank (FAB) — the largest bank in the UAE and one of the largest in the Middle East. As a result, all NBAD salary card services, including the Ratibi program, were absorbed into the FAB banking system.
What This Means for You:
- Your old NBAD Ratibi card is fully functional under FAB
- All NBAD helplines and services are now operated by FAB
- The PPC Inquiry Portal and Payit App are the unified platforms for both legacy NBAD and current FAB Ratibi cardholders
- Statements and account history from NBAD are accessible through FAB’s systems
If you still see “NBAD” printed on your card, it remains valid. However, when applying for a new or replacement card, you will receive a card branded under FAB.
Benefits of Ratibi Salary Card (Employee Side)
The Ratibi Salary Card offers significant advantages to employees, particularly expatriate workers and laborers across various industries in the UAE.
Financial Benefits:
- No minimum balance required — use every dirham you earn
- No monthly account maintenance fees
- Free salary credit notifications via SMS
- Access to cash at over 700 FAB ATMs across the UAE, plus millions of ATMs globally through the VISA/MasterCard network
Insurance Benefits:
- Free personal accident insurance up to 5× your monthly salary (maximum AED 25,000) in case of death or permanent total disability
- Daily hospitalization cash benefit of AED 50 for up to 30 days (maximum AED 1,500) if hospitalized due to an accident
Convenience Benefits:
- Shop online, at stores, or pay bills — all with one card
- Pay utility bills (Du, Etisalat), Salik, Mawaqif, and more through Payit
- No need to carry large amounts of cash
- Send money internationally at competitive rates via FAB or linked apps
Security Benefits:
- PIN-protected card transactions
- Real-time fraud detection
- SMS and email alerts for every transaction
- 24/7 customer care support via the official ratibi balance check number
Benefits of Ratibi Card for Employers
The Ratibi Salary Card is not only advantageous for employees — it also offers considerable benefits for businesses and employers who use it for payroll management.
Compliance: The Ratibi system is 100% compliant with the UAE Government’s Wages Protection System (WPS), ensuring employers avoid penalties from the Ministry of Human Resources and Emiratisation (MOHRE).
Cost Efficiency: Employers save on the administrative costs of cash payroll distribution. Salary disbursement is processed in bulk through the FAB corporate banking system.
Time Saving: Payroll is processed instantly and simultaneously for all employees, eliminating the need for individual cash handling or separate bank transfers.
Employee Satisfaction: Workers receive timely salaries with full transparency, reducing workplace grievances related to salary delays.
Record Keeping: FAB provides employers with detailed payroll reports and transaction records through the corporate iBanking portal.
No Bank Account Burden: Employers do not need to open individual bank accounts for each worker. The Ratibi card acts as the salary payment vehicle, simplifying onboarding for large teams.
Eligibility for Ratibi Card
Not every employer or employee automatically qualifies for a Ratibi Salary Card. Both parties must meet specific requirements set by First Abu Dhabi Bank.
Employer Eligibility:
- Must hold an active corporate account with First Abu Dhabi Bank (FAB)
- Must be a UAE-registered business entity
- Must be enrolled in the UAE Wages Protection System (WPS)
Employee Eligibility:
- Must be a legal resident of the UAE with a valid residency visa
- Must be an employee of a company that uses FAB’s Ratibi payroll system
- Must have fully updated KYC (Know Your Customer) details on file
- Monthly salary must be AED 5,000 or below (cards for higher earners use different FAB salary account products)
Documents Required
To apply for or activate a Ratibi Salary Card, the following documents are typically required from both the employer and employee.
From the Employee:
- Valid Emirates ID (original + copy)
- Valid passport with UAE residency visa page
- Salary certificate or employment confirmation letter
- Recent passport-size photograph
From the Employer (for Bulk Issuance):
- Completed Ratibi Payroll Card Application Form
- Employee Details Excel Sheet (FAB-provided template with all worker data)
- Completed iBanking Application Form for online card management access
- Valid Trade License copy
- Corporate FAB Account details
All employer documents must be submitted to the nearest FAB branch or through authorized FAB community banking channels.
Fees & Charges on Ratibi Salary Card
One of the most attractive aspects of the Ratibi card is its low-cost structure. However, there are some fees workers should be aware of to avoid surprises.
| Service | Fee |
| Card Issuance | Free (employer bears cost) |
| Monthly Maintenance | Free |
| Minimum Balance Requirement | None |
| Salary Credit Notification (SMS) | Free |
| FAB ATM Withdrawal | Free |
| Non-FAB ATM Withdrawal (UAE) | Small fee may apply |
| International ATM Withdrawal | Varies by network |
| POS/Retail Purchases | Free |
| Card Replacement (Lost/Stolen) | Fee may apply |
| Balance Inquiry at FAB ATM | Free |
| Balance Inquiry via SMS (2121) | Standard SMS rate |
| Bill Payment via Payit | Free or minimal |
Always check the latest fee schedule on the official FAB website or by calling the dedicated ratibi balance check number, as charges may be updated periodically.
How to Apply for a Ratibi Salary Card
The application process for the Ratibi card is initiated by the employer, not the individual employee. Workers cannot independently apply for a Ratibi card — it is issued as part of their company’s payroll arrangement with FAB.
Employer Application Process:
- Ensure your company holds an active FAB corporate account.
- Download the Ratibi Payroll Card Application Form and the Employee Details Template from the official FAB website.
- Fill in all required details accurately — employee names, Emirates ID numbers, salary amounts, and contact information.
- Complete the iBanking Application Form to gain online card management access for bulk payroll processing.
- Submit all completed forms to the nearest FAB branch or FAB-designated community banking center.
- FAB will process the application and issue individual Ratibi cards for each registered employee.
- Cards are either distributed by the employer or delivered directly to the employees.
For New Employees Joining an Existing Ratibi Employer: The HR or finance department submits the new employee’s KYC documents to FAB, and a card is issued within a few working days.
FAB Ratibi Card Activation
Once you receive your Ratibi Salary Card, it must be activated before use. The activation process is quick and straightforward.
Method 1: Activate at FAB ATM
- Visit any FAB ATM.
- Insert your new Ratibi Card.
- Follow the on-screen instructions to set a 4-digit PIN.
- Once the PIN is created, your card is activated and ready to use.
Method 2: Activate via Payit App
- Download and open the Payit App.
- Select “Ratibi Card Holder” during registration.
- Scan your Emirates ID and enter your card details.
- Complete the OTP verification.
- Create a PIN — your card will be activated immediately upon completion.
Method 3: Activate by Calling the Helpline
- Dial the ratibi balance check number (600 52 2298) and follow the IVR instructions.
- Select the card activation option.
- Provide your card and personal details for verification.
- The agent will guide you through the activation process.
Keep your card in a safe place after activation and never share your PIN with anyone.
How to Get Your Ratibi Card Statement
A Ratibi card statement is an official record of all your salary credits, withdrawals, purchases, and fees over a selected period. It is useful for financial planning, visa applications, and salary dispute resolution.
Method 1: FAB Online Banking
- Log in to the FAB Online Banking Portal
- Go to “Accounts” or “Cards” and select your Ratibi card
- Click “Statement” and choose your desired date range
- Download or print the statement in PDF format
Method 2: FAB Mobile App
- Open the FAB Mobile App and log in
- Navigate to your Ratibi card
- Select “Statement” or “Transaction History”
- Choose the date range and download
Method 3: Visit a FAB Branch
- Bring your Ratibi Card and Emirates ID
- Request an official bank-stamped account certificate or statement
- FAB branches are open Sunday to Thursday, 8:00 AM to 2:00 PM
Common Problems and How to Fix Them
| Problem | Likely Cause | Solution |
| Website not loading | Server maintenance or poor connection | Wait a few minutes and try again |
| Wrong PIN entered | Typo or forgotten PIN | Visit a FAB ATM to reset your PIN |
| Card swallowed by ATM | Expired card or too many wrong PIN attempts | Contact FAB immediately via the ratibi balance check number |
| SMS balance reply not received | Unregistered mobile number | Visit a branch to update your mobile number |
| App login failed | Wrong credentials or expired session | Reset your password via “Forgot Password” option |
| Balance not updated after salary | Processing delay | Allow up to 24 hours; call FAB if not credited within 2 days |
| Card declined at POS | Insufficient balance or card blocked | Check balance, then call FAB helpline if needed |
| Account blocked | Suspicious activity detected | Call FAB customer care immediately |
If your card is lost or stolen, report it immediately using the ratibi balance check number helpline so FAB can block the card and prevent unauthorized use.
Tips for Using Ratibi Salary Card
Following these best practices will help you get the most out of your Ratibi card while keeping your finances secure.
Security Tips:
- Never share your card PIN with anyone, including family members
- Do not write your PIN on the card or on paper stored in your wallet
- Always cover the keypad when entering your PIN at ATMs or POS terminals
- Log out of the FAB Mobile App or Payit App after every session
- Avoid using public Wi-Fi networks when accessing online banking portals
- Enable two-factor authentication on all linked accounts
Financial Management Tips:
- Check your balance regularly — especially before making large purchases
- Set up SMS or email alerts to track every transaction in real time
- Use the Payit App for bill payments to avoid unnecessary ATM trips
- Keep a small emergency buffer in your card to avoid being caught short
Card Care Tips:
- Store your card in a wallet or cardholder away from magnets and extreme heat
- Report lost or stolen cards immediately using the official helpline
- If your card is damaged, visit a FAB branch with your Emirates ID to request a replacement
Customer Support & Helpline Numbers
FAB provides multiple channels of customer support for Ratibi cardholders. Always use official contact numbers to protect yourself from scams.
| Support Channel | Contact Detail |
| UAE Customer Care | 600 52 2298 |
| International Helpline | +971 2 499 6279 |
| Fraud Reporting WhatsApp | +1 704 771 0476 (scam/fraud reports only) |
| FAB AI Virtual Agent | Available via phone or FAB website |
| FAB Branch (Sunday–Thursday) | 8:00 AM – 2:00 PM |
| Payit App In-App Support | Available 24/7 |
Important: The fraud reporting WhatsApp number is strictly for reporting scams and suspicious activities. FAB does not offer general banking or balance inquiry services via WhatsApp. Use the official ratibi balance check number for all salary and balance-related queries.
FAQs About Ratibi Card Salary Check
Q1. What is the ratibi balance check number?
The official FAB helpline number for Ratibi card inquiries is 600 52 2298 (within the UAE) and +971 2 499 6279 for international callers. You can call this ratibi balance check number at any time to check your salary balance via the automated IVR system or by speaking to a live agent.
Q2. How can I check my Ratibi card balance without the internet?
You can use the SMS banking method (send your 13-digit card number to 2121), call the helpline, visit any FAB ATM, or check your balance at a POS machine in a retail store — all without needing internet access.
Q3. Is the Payit App free to download and use?
Yes, the Payit App is completely free to download from the Google Play Store, Apple App Store, and Huawei App Gallery. There are no monthly charges for using the Payit App with your Ratibi card for balance checks and bill payments.
Q4. Can I check my Ratibi balance from outside the UAE?
Yes. You can use the FAB Mobile App, the FAB Online Banking website, the Payit App, or call the international helpline (+971 2 499 6279) to check your Ratibi card balance from anywhere in the world.
Q5. What should I do if my Ratibi card is lost or stolen?
Call the FAB helpline immediately at 600 52 2298. FAB will block your card instantly to prevent any unauthorized transactions. You can then visit a FAB branch with your Emirates ID to apply for a replacement card.
Q6. Is there a minimum balance required on the Ratibi card?
No. The Ratibi Salary Card has absolutely no minimum balance requirement. You can spend your entire salary balance without any penalty or maintenance fee.
Q7. How long does it take for salary to appear on my Ratibi card?
In most cases, salary is credited instantly on the WPS payment date. If there is a delay beyond 24 hours after the expected payment date, you should contact your employer first and then call FAB’s customer care if the issue persists.
Q8. Can I use my Ratibi card for online shopping?
Yes. The Ratibi card is enabled for online purchases wherever VISA or MasterCard is accepted. This includes domestic and international online retailers.
Q9. What documents do I need to activate my Ratibi card?
You will need your Ratibi card itself and your Emirates ID. You can activate the card at a FAB ATM by setting a PIN, through the Payit App, or by calling the ratibi balance check number helpline.
Q10. How do I get a Ratibi card statement for a visa application?
Log into the FAB Online Banking Portal or visit any FAB branch and request an official, bank-stamped account statement for your chosen date range. Branches are open Sunday to Thursday from 8:00 AM to 2:00 PM.
Conclusion
Managing your earnings in the UAE has never been easier, thanks to the comprehensive suite of tools available to Ratibi cardholders. Whether you prefer the digital convenience of the Payit App, the simplicity of SMS banking, the reliability of an ATM visit, or the direct human assistance offered by the ratibi balance check number helpline, First Abu Dhabi Bank ensures that checking your salary is always fast, secure, and accessible.
The ratibi balance check number remains the most straightforward tool for workers who want quick, spoken confirmation of their current salary balance — especially those less comfortable with smartphones or the internet. At the same time, the FAB Mobile App and Payit App serve tech-savvy users with real-time alerts, bill payment features, and full transaction history at their fingertips.
Regularly checking your Ratibi card balance is not just a good habit — it is an essential financial practice. It helps you budget your spending, detect unauthorized transactions early, and maintain peace of mind about your earnings. Use the official methods outlined in this guide, keep your card and PIN safe, and always rely on FAB’s verified support channels for any assistance you need.
