Ratibi Card Salary Check: Easy Ways to Check Your Balance (PPC, App, ATM, Online & More)

How can you check your Ratibi card salary or the balance of any other prepaid card? Want to inquire about your balance instantly, both online and offline?

If that is what you want, then here we have this up-to-date, step-by-step, and COMPLETE guide for you, which covers a variety of methods such as PPC Inquiry portal, Payit app, SMS, Helpline call, ATM (and more), and answers each & every question regarding your balance Inquiry.

Furthermore, this guide helps you either way, whether you want to view your Ratibi card or other FAB prepaid cards (such as Nafis, DWallet, ADSSA, etc.) balance.

Without further delay, let’s jump into today’s latest guide on checking your Ratibi card salary.

8 Easy and Proven Ways to Check Your Ratibi Card Salary

From now onward, we’re going to start our 8 ways to check the Ratibi card salary. Some of these methods require an internet connection, and others don’t.

The methods that require an internet connection are 2, 3, 5, and 8. And others that don’t are 1, 4,  and 7.

Method 1: Ratibi Card Salary Check via the PPC Inquiry Portal  (Fast & Free)

Steps:

  1. Visit Website: Go to the PPC Enquiry website -> Search “PPC Enquiry Portal Magnati”
Prepaid Cards Magnati inquiry portal link on Google search results page.
  1. Enter two digits: Look for the last 2 digits of the card number and enter them in the small box.
  1. Enter Card ID: In the big box, enter your Card ID number.
Magnati Prepaid card inquiry form for FAB prepaid card inquiry
  1. “Go”: Now, tap on the “Go” button.
  1. Know your salary: You can now view your balance in the “Available Balance” section.
Ratibi card remaining salary amount under available balance section on the receipt.

Method 2: Ratibi Card Salary Check through SMS Banking

Whether you are in an area with no internet or offline, you can still view your Ratibi card salary using the SMS Alerts option.

Requirement for the Balance Checking through SMS Banking

The only requirement is that your phone number should be registered with FAB. If not? Contact FAB customer support or visit a nearby First Abu Dhabi Bank (FAB) branch to register it.

Steps:

  1. Compose an SMS: Only type your 13-digit Ratibi card number, which is located on the front of the card.
  2. Send it to 2121: Send this message to 2121 through your registered number.
  3. Your Ratibi Card Salary Message: A message with your Ratibi card balance will be sent to your Phone.

Method 3: Ratibi Card Balance Check through the FAB Mobile APP (With Screenshots)

FAB Mobile Banking lets you perform your day-to-day banking operations using an app-based Interface. And guess what? You can also check your available amount on your Ratibi Card using it. That too in real-time.

Steps:

  1. Download the Bank FAB Mobile App.
    • For Android: Google Play Store.
    • For Apple Devices: App Store.
    • For Huawei: Huawei AppGallery.
  2. Login or Register:
    • Login: If you are already a FAB App user.
      1. Enter your username/email/user ID & password. Or log in using your Ratibi card and other personal information.
      2. You will receive an OTP (One-Time Password) code via email or text message to your phone number. So make sure to enter it.
      3. Then complete the remaining easy steps to log in.
    • Register: It is for the new users of the app.
      1. Tap “Already a customer”.
      2. Then complete the next steps to register.
FAB Mobile App's Registration button on Welcome screen.
  1. Click on the ‘Cards’ tab: On the home screen, tap on the “Cards” option fixed at the bottom of the screen.
FAB Apps Cards Section for Ratibi Card Balance Inquiry
  1. Select the Card: Select your specific card—be it Ratibi, Nafis, or any other FAB prepaid card.
  2. View your Card Salary: Look for the “account summary” or” available balance” section to see your card amount.

Method 4: Ratibi Card Salary Check via FAB Online Banking (Best for PC Users)

If you’re a PC (laptop, desktop) or mobile user, then checking your Ratibi card salary through the Online Banking is the best and safest way for you.

Steps:

  1. Browse the Website: Open the Bank FAB Official Website.
FAB Online Banking website on Google search result page.
  1. Login Button: Press the “Login” button (represented by a lock icon).
Home screen of FAB Bank website with highlighted login button at top-left corner.
  1. Click on “Personal Online Banking (UAE)“: It is present under the “Personal Banking” section.
Menu of the FAB website with highlighted option of "Personal Banking"
  1. Log in or Register:
    1. Log in (already registered): 
      1. Fill the input boxes with your “Username” & “Password”
      2. Tap on the “LOGIN” button.
The login page of the FAB online portal.
  1. Register (new user):
    1. After pressing the “Register Now “button, simply complete the next 4 steps for a successful registration.
The registration page of FAB online banking.
  1. Click to choose the Ratibi Card: Now, select your Ratibi card from the “Accounts” or “Cards” section.
  1. View your Salary: See your card remaining amount in the “available balance” section.

Method 5: Ratibi Card Salary Check Using an ATM 

If you are in a no-internet area, don’t have a smartphone, and still want to review your Ratibi card salary, then using an ATM is an effective and convenient way to do so.

Steps (With Proper Screenshots):

  1. Visit ATM: Head over to your nearest Bank FAB ATM.
FAB Bank ATM display for Ratibi balance check.
  1. Put your Card into the ATM: The Option is Present under the “Insert Card” section.
Where to Insert ATM Card – FAB ATM Card Slot and Contactless Tap Option
  1. Touch your Preferred Language option: You are given two options—English & Arabic.
FAB ATM showing two language selection options—English & Arabic.
  1. Type PIN: Enter your Card PIN and click the green “Enter” button.
The ATM PIN entering display with highlighted input box.
  1. Go with the “Balance Inquiry”.
The ATM menu highlighting the balance enquiry option.
  1. Choose the “Display On Screen”.
  2. Know your Card Pay: You can view your available Ratibi card salary.
  3. Print Receipt (optional): Click “Print Receipt” if needed.
The ATM screen offering two options of print receipt and don't print receipt.

Pro Tip: Make sure to visit the “FAB Branch & ATM locator tool” in order to find your closest ATM.

Method 6: Ratibi Card Salary Check via Payit Wallet App

Payit Wallet App, powered by Bank FAB, lets you check your Ratibi Card income in a safe and secure environment.

Just link your FAB Prepaid Card (Ratibi or others) to it and know your available card amount easily.

Steps:

  1. Install the App : 
    1. On Android: Google Play Store.
    2. On iOS (iPhone): App Store.
    3. On Huawei devices: Huawei AppGallery.
  2. Sign up: Tap on the “Sign up now” option.
The signup welcome screen of Payit Wallet App.
  1. Select the Ratibi Salary Card: Alternatively, you can choose other FAB Prepaid cards, such as Nafis and ADSSA.
The app's card selection menu supporting different cards such as Ratibi Salary Card, ADSSA, DWALLET, etc.
  1. Scan ID: Now, scan your Emirates ID and then tap the “Confirm” button.
Scanning the front of Emirates ID
  1. Verify yourself by recording a Video: This is for security. Ensure you follow this by reciting the sequence of numbers during the video.
The Payit app's video verification interface with the button of "I'm Ready"
  1. Add your Prepaid Card Details:
    1. In the 1st box, enter the last 2 digits of the card number.
    2. In the 2nd box, enter your Card ID.
    3. Click the “Next” button.
The app screen to add your Ratibi card details such as Card ID & Card number
  1. Enter Mobile Number: Enter your number and click “Agree and Verify”.
The app's interface prompting user to enter their mobile number and verify it by clicking "Agree and Verify" button.
  1. Enter OTP Code: Enter the One-Time-Password(OTP) sent via SMS.
OTP verification screen
  1. Set Your Unique PIN: Set your 4-digit PIN and then retype it to confirm.
Set your 4-digit Payit PIN screen
  1. View your Card Income: Click “I’ll do it later” and see the balance on the home screen.
The app's home screen to check your FAB prepaid card balance.

Method 7: Ratibi Card Salary Check at the FAB Branch

For individuals who prefer to check their Ratibi Card salary in person or offline, visiting a FAB Branch is one of the easiest options. Implement the steps below and receive your balance information within minutes.

Steps:

  1. Pick the Necessary Documents: You will need to keep your Emirates ID and Ratibi Card with you. 
  2. Go to a Branch: Rush to your closest Bank FAB Branch.
  3. Talk to the Teller: Approach the bank teller to request a balance inquiry.
  4. Verify yourself: Give them your Ratibi card and Emirates ID details.
  5. Card Balance: After verification, get your Ratibi card’s salary status.

Pro Tip:  Don’t know about any nearby FAB branch? Use “FAB Branch Locator” to find an accessible branch according to your location.

Method 8: Ratibi Card Salary Check using Telephone Banking (For Non-Tech Users)

If you’re a non-tech user or want to talk to a bank agent to know your Ratibi card salary, then there is none better than the FAB Telephone Customer Support option.

Steps:

  1. Call the Ratibi Service helpline: 
    1. For UAE residents: 600522298
    2. For International customers: +971(2)4996279
  2. Talk: Now, you naturally have to talk to the FAB Virtual Agent (AI-based latest feature).
  3. Request: Ask for Ratibi’s card salary inquiry.
  4. Follow: Follow the IVR (Instant Voice Response) instructions.
  5. Provide Essential Information: Please tell the agent your Ratibi card details.
  6. Know the Balance: Get your Ratib card salary info on call.

How to check the balance of the other FAB Prepaid Cards?

You can check your other FAB Prepaid Card balance using the FAB App, the PPC Magnati Inquiry website, FAB Customer Support, Payit Digital Wallet, or ATMs.

In summary, all the above methods for checking Ratibi salaries also apply to other FAB Prepaid cards.

Worth a look: Remember this main guide on FAB balance checking is always available, offering multiple ways for balance inquiry for all FAB customers.

What’s the difference between a Ratibi Card and a FAB Salary Account Balance Check?

Ratibi is the FAB payroll card, which allows you to avoid maintaining a dedicated bank account by providing access to some banking services. 

On the other hand, the FAB Salary Account is a standard bank account that provides access to all banking services.

In fact, in terms of the income check, you can use the same methods for Ratibi as well as for the salary account balance inquiry. What separates them from each other is the nature of the account. Ratibi is card-based, while the salary account is a full-fledged banking solution.

Ratibi Card Salary Check Methods Comparison

MethodInquiry SpeedOnline/OfflineInquiry ChargesRequirements
PPC Magnati PortalInstantOnlineZero 1. The last 2 digits of the Card No.
2. Card ID.
FAB AppA few seconds (If already logged in).OnlineZero1. Mobile app account.
2. Login credentials.
Online BankingA few seconds (If already logged in).OnlineZero1. FAB account.
2. Login credentials.
Payit AppA few seconds (If already logged in).OnlineZero1. App.
2. Physical Ratibi card.
3. Emirates ID.
4. Card ID.
SMS Banking1-3 minutesOfflineOnly SMS charges1. UAE registered phone number (DU & Etisalat only).
ATM1-2 minutesOfflineZero at FAB ATMs1. Ratibi card.
2. PIN.
Telephone Banking3-5 minutesOfflineCalling charges1. Mobile phone.
2. Ratibi’s card details.
FAB BranchDepends on the branch.OfflineZero1. Ratibi card.
2. Emirates ID.

What are the benefits of checking the Card Income Regularly?

Smart Budgeting and Spending: 

Regularly tracking your card income helps you spend wisely. Because every time you check your balance, you ensure that you plan your budget strategically and spend carefully. Result? Zero unnecessary spending.

Helps in Detecting Unauthorised Transactions and Gives You Peace of Mind:

Detecting any suspicious and unverified money transactions becomes easy. You can immediately detect any unauthorised transaction and inform the bank to take immediate action. Hence, your money remains safe & secure, and you enjoy peace of mind.

Best Tips for Safe Balance Checking

By acting upon the following precautionary measures, you can have a secure balance-checking experience:

  • Avoid using shared or public Wifi connections.
  • Make regular balance checking a habit.
  • Keep your devices constantly updated.
  • Log out if you’re using somebody else’s phone.
  • Always navigate to official portals or apps.
  • Set up Two-Factor or Multi-Factor Authentication for added security.
  • Employ a strong password.

Troubleshooting Ratibi Card Salary Inquiry Issues

Website Not Working

If the website is not opening correctly, maybe there’s a glitch or a temporary server issue. Don’t panic; it’s normal. Just try again after some time.

ATM Swallowed the Card:

Immediately head over to the relevant branch and inform them about the situation.

Forget the Login Password:

If you’ve forgotten your login password, simply click” Forget PIN?” and follow the next steps.

What is a Prepaid Card?

It is a banking card that does not require a dedicated bank account. You simply load it with money and use it for future withdrawals or purchases.

Moreover, it frees you from overdrafts and debt, as you only spend the amount loaded onto the card.

Why Should You Use FAB Prepaid Cards?

A prepaid card offers you the following valuable advantages:

  • No need for a bank account
  • Reload it whenever you need.
  • Allows you to be cashless.
  • Facilitate you with ATM withdrawals.
  • Easy online bill payments.
  • Automatic salary transfer to employees.
  • Both local and international transactions benefit.
  • There is no risk of getting into debt.
  • Manage it using Mobile Banking.

What are the Prepaid Cards Offered by the FAB?

First Abu Dhabi Bank provides its customers with a range of prepaid cards, each designed to address a specific customer need.

FAB Prepaid Card NameBest  ForKey Benefits
Ratibi Employees earning up to AED 5,000.Salary payroll solution without needing a bank.
DWalletDomestic workers.Employers can send funds to their domestic workers’ DWallet cards using LuLu Exchange and UAE FTS.

It can be linked with TADBEER and the Payit app.
Payment PrepaidCompanies handling petty cash and recurring payments.Allows Unlimited cash withdrawals at ATMs and purchases at POS(Point Of Sale) machines.
Prepaid GiftGifting and incentive purposes.No need for KYC (Know Your Customer) info for cardholders.
Visa Prepaid Card for gifts and incentives.
Multi-CurrencyMedical treatment and usage purposes outside the UAE.It’s a co-branded Visa card.

Allows you to perform contactless authentication (using just PIN and Chip).

Automatic control of FX (Foreign Exchange) by the card system.
General Purpose Prepaid CardsGovernment payments and chosen retail transactions.It’s an enhanced version of the FAB eDirham card.

Provides you with Government Sahala, Advanced Individual, Silver Corporate, and Black Corporate cards.
Abu Dhabi Pay Abu Dhabi government transactions.Access to make retail payments on selected cards.
RAK Pay Ras Al Khaimah government transactions.The transaction can be completed using either the Wafer Individual or the Al-Ruzmah Corporate Card.
UAQ PayUmm Al Quwain government transactions.It’s a Multi-purpose card for both corporations and individuals.
It offers two types of cards: PayBlue Corporate and PayRow Individual.
AjmanPay Ajman government payments.You can also make merchant payments via selected cards.

What is a Ratibi Card?

Ratibi is a payroll-based card used by employers to pay employees’ salaries without requiring a bank account. Only employees earning more than AED 5,000 are eligible for this card.

Advantages of the FAB  Ratibi Card

Employer-Specific Advantages

The following are benefits offered by the card to employers:

  • Hassle-free online salary distribution.
  • Real-time updates via digital banking.
  • Customised salary processing options.
  • Safe & secure pay transactions.
  • Fully compliant with UAE WPS (Wage Protection System) regulations.
  • Send salary directly to the employee’s account.
  • Pay salary in local currency.

Employee-Specific Advantages

As an employee, you can enjoy the following Ratibi benefits:

  • Easily send your funds around the Globe (200+ countries).
  • Access to many ATMs and CDMs (Cash Deposit Machines).
  • 24/7 customer support via call centre.
  • Zero monthly charges.
  • Zero minimum balance requirement.
  • Usable at all VISA/Mastercard networks.
  • Easily pay your Du, Salik, Mawaqif, and Etisalat bills.
  • Do cashless purchasing at 5000+ stores in the UAE.
  • Receive free SMS notifications on salary deposits.
  • Select PIN across all FAB ATMs.
  • No credit history requirement.
  • Repatriation of the deceased to the home country.
  • Get free-of-cost accident Insurance.
  • Get 5 times the monthly salary or a maximum amount of AED 2500 in case of the cardholder’s death or permanent disability.
  • 24 hours of free hospitalisation with AED 50 for the next 30 days.

Ratibi Card Eligibility Criteria

If you want to get a Ratibi card, then you must fulfil these requirements by FAB:

  • Ensure your employer holds an active corporate account with the bank.
  • The employee should belong to the UAE (UAE National).
  • Make sure the employee shares complete and current KYC (Know Your Customer) information.
  • The minimum age criterion for employees is 18 years.

Ratibi Card Document Requirement

These are the documents required for the Ratibi card application:

  • Emirates ID.
  • Residency Visa.
  • Passport Copy.
  • Salary Certificate.
  • Passport-sized photograph or latest picture.

How to Apply for the Ratibi Payroll Card?

  1. Complete all the required sections of the Ratibi application form.
    • Simply type in your contact, delivery, and personal information.
  1. Please provide your employee’s details in the Excel sheet provided by FAB.
    • Enter the name of the company, contact number, account number, etc. 
  2. Fill out the iBanking Application Form.
    • It is necessary to enable online card management.
  1. Finally, after you’re done, head over to your nearby FAB Branch (or community banking branch) and deliver your applications.

Application Form for Ratibi Payroll Card

Application-Form-for-Ratibi-Payroll-CardDownload

FAB Ratibi & Prepaid Cards Customer Care Numbers

ServiceFor UAE ResidentsFor International Residents
General Customer Service600500201+971(2)4996125
Ratibi Salary Card Support600522298+971(2)4996279
Government Cards Support600525500+971(2)6811511

Top UAE Salary Prepaid Cards Comparison

Bank / FeaturesFAB
(Ratibi Prepaid Card)		Emirates NBD
(Salary Prepay Card)		RAK BANK
( C3 Payroll Card)		NBQ
( Visa Rateb Debit Card)
Bank Account NeededNoNoNoNo
Minimum Salary RequiredZeroZeroZeroZero
ATM WithdrawalsFree at FAB ATMsFree at Emirates NBD ATMsFree at RAK BANK ATMsFree at NBQ ATMs
Mobile BankingFAB Mobile ENBD X RAKBANK AppNBQBANK
Online BankingYesYesYesYes
WPS CompliantYesYesYesYes
Re-loadableYesYesYesYes

Some Useful Practices to Manage Your Ratibi Prepaid Card Balance

  • Check your balance frequently.
  • Spend it strategically.
  • Always plan your budget.
  • Avoid overspending by limiting ATM withdrawals.
  • Keep track of your transaction history.

Conclusion:

This was our detailed, step-by-step, and latest guide on Ratibi’s salary check. In case of any query, check out the FAB FAQs page, where you’ll get answers to your every question. 

In a nutshell, the methods that we discussed in this article for checking Ratibi card’s salary are:

  • The PPC Inquiry portal
  • SMS
  • FAB Mobile App
  • FAB Online Banking
  • ATM
  • Payit Wallet App
  • FAB Branch
  • Phone Call

FAQs: Frequently Asked Questions

Yes. By using the FAB Mobile App or the PPC Inquiry page, you can easily check your Ratibi balance while travelling internationally.

You should view your account balance at least every week. It will be more than enough for you to be on the safe side.  

To check your Ratibi card’s monthly payment, follow the steps below:

  1. Open the PPC Inquiry page.
  2. To know your Ratibi card amount, first type in your card details and then proceed by pressing the “GO” button. 

At the bottom-left side of your card, the 13-digit number is your Ratibi Card ID.  

Just contact FAB Customer Support. They will resolve the issue quickly if it’s an error or a glitch on their side.   

If the PPC portal is not working, it may be temporarily down. In such a scenario, you should proceed with methods like apps, SMS Banking, and ATMs.

The conditions are as follows:

  • It is essential for the employer to maintain an active corporate bank account.
  • Employees must hold a UAE Nationality.
  • The employee should share complete and current KYC information.

No. You don’t need to maintain any sort of minimum amount.

The card offers an insurance value of up to 5 times your monthly salary or AED 2,500.

Use FAB Mobile Banking or visit a nearby branch to activate your new Ratibi card.

If you have lost your Ratibi card, immediately reach out to the FAB Customer Service (600525500).

Yes, the bank does allow you to withdraw your Ratibi cash at FAB ATMs.

Yes, the card offers insurance benefits to employees. If they die or suffer permanent disability, the FAB provides them with 5 times their monthly salary or a maximum amount of AED 25,000.

The card offers numerous benefits to employees, including 24/7 support, no minimum balance requirement, complimentary insurance, and zero monthly charges.

It varies from bank to bank. Some banks set an expiry date after which prepaid cards expire. Others don’t.

Yes, FAB supports both salary payments.

To access Ratibi FAB Login, visit the PPC Magnati website.

If your Ratibi card has been blocked, contact the FAB Support team or visit the closest branch to unblock the card.