Ratibi Card Salary Check Online 2025

Having a Ratibi card means you can easily get access to your balance no matter which corner of the world you are in. The Ratibi card offered by FAB (First Abu Dhabi Bank) is the easiest way to manage Ratibi Card Balance inquiry, You can check your Ratibi card Salary updates and balance online by mobile apps, SMS, or at an ATM.

Check Ratibi Card Balance

The flexibility of the Ratibi Card is evident in its smart features, including global acceptance, Free 24/7 ATM Withdrawals, instant balance check like FAB Balance check, NBAD Balance inquiry and Ratibi card salary check, and the ability to make online payments.

What is the Ratibi Card?

Ratibi Prepaid Salary Card is a Payroll Solution (Handling Salary Distribution on time), created to pay salaries to employees who earn up to AED 5000, and they receive their salary directly on their card without having a bank account. It is found helpful by both Employers and Employees.

Main Purpose:

It is designed to solve the problems of fraud, complexity, salary distribution, and trust in the Payroll system. That’s why its reliability is very high in the UAE.
It is called Payroll Solution Because it is developed to solve the problem of paying a lot of employees electronically and keep a safe record without requiring a bank account for employees.
Ratibi follows the WPS (Wage Protection System) to prevent scams and ensure that employees get salaries on time

6 Easy Methods For Ratibi Card Salary Check

Check Ratibi Card Balance via PPC Inquiry (Magnati)

Go to the official Magnati PPC Inquiry page: https://ppc.magnati.com/ppc-inquiry

Gold Button with Animated Arrow

On the page, you’ll see two input boxes:

Last 2 digits of your Ratibi card number
Card ID number (printed on the front or back of your card)
Enter both details carefully.
Click on the “Go” or “Submit” button.

Wait a 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.

At the Top of the right side, you will see a login button. Click the login button, and you see a list of options.

Select Ratibi Prepaid card balance inquiry

In the Personal Banking Section, click the option Ratibi Prepaid Card Balance Enquiry.

Enter the required data in Fab Website for Ratibi balance inquiry online

Enter the Last 4 digits of your Card No, your Card ID, and the Captcha (Human verification code,) and check your balance within a few seconds.

Ratibi Card Salary Check through FAB Mobile APP

Download the official FAB Mobile APP from Apple App Store, Google Play Store, and Huawei App Gallery

Complete the OTP Verification Process
You can also enable fingerprint and further security measures.
You will see the Option “Cards” at the bottom of Home screen
Click ‘Cards’ to get a list of FAB Cards. Then, click ‘Prepaid Cards’ and select the Ratibi card to check fab ratibi card balance and transaction details.

The App also provides you additional services like transferring funds, paying bills, etc.

Ratibi Card Salary Check Online by Payit APP

Install the Payit app now from the official link given here: Official Payit

Open the app and tap Sign Up with Ratibi Card.

Log in using your mobile number, enter your Payit PIN you created during the registration step and COMPLETE the OTP VERIFICATION PROCESS.

Login Ratibi card through Payitapp with Your Mobile Number

Your Ratibi Card balance will appear on the home screen. You can click beneath the card image, View Card to check out details

The Payit app provides you with services that make your life smoother and easier.

Check Ratibi Card Salary by WhatsApp

Open WhatsApp and add a number +971 56 518 9997 and save it in your contacts with the title FAB ONLINE BANKING.
Send Hi or Hello to start the session
When asked, enter the OTP that is sent to your registered Mobile Number.
After the Verification process, Type Balance to FAB ONLINE BANKING and you can rapidly check your available balance.

LIMITATION: WhatsApp session expires in 15 to 30 Minutes. If you want to view your balance again, then you will repeat the verification process. That’s why most people prefer Payit or Online sites.

Ratibi Prepaid Card Balance by Sending SMS

Send the SMS with your Registered Mobile Number
Type “BAL<space>Last 4 digits of your Card No.”
Send it to 2121 and you receive your balance amount in few seconds.

Ratibi Card Salary Check At ATM

Go to FAB ATM near me
Insert your Ratibi Card into the ATM Card slot with the chip end first
Then select your language(English, Arabic ,German etc)
Enter your 4-digit PIN Securely
You will get a Main Menu list
From the list, select “Balance Inquiry” or “Account Inquiry”
Your balance will show on the screen
Click the Print Receipt to get a printout of your Balance record.

Use always FAB ATM if you want to check your balance for free; other ATMs charge a small amount of money.

How to Register a Mobile Number For Ratibi Card Salary Check

Platform	How to Register	Info Required	Verification	What You Get	To Check Balance You Need
FAB Online Banking	Visit FAB website andClick register	Customer ID or 16-digit card	OTP sent via SMS	Web dashboard access	Username & password
FAB Mobile App	Download FAB Mobile	Customer ID or 16-digit card number	OTP sent via SMS	Mobile account access	App password
Payit App	Download Payit app	Emirates ID scan	Emirates ID scan & selfie video	Digital wallet setup	4-digit Payit PIN
SMS Banking	Send REG to 2121 from your phone	Last 4 digits of Ratibi card	Auto-verified	Enable SMS commands	Send BAL <last-4 digits> to 2121
ATM PIN Setup	Change ATM PIN- At branch/kiosk with Emirates ID	Ratibi Card- Emirates ID (at branch)	Enter & confirm your chosen 4-digit PIN	Enable ATM withdrawals & POS transactions	Your 4-digit ATM PIN

Important note: You have to register Your Mobile number to check the balance at different ATMs & online portals.

FAB Ratibi Card Benefits

Financial Benefits

Salaries land on the card directly AND no bank account is required.
No minimum balance and no monthly fees You only pay when you use services that aren’t free.
Free cash withdrawals at FAB ATMs.
You pay according to your usage instead of fixed payments.

Safety & control

EMV chip + PIN protection for every card.
Choose or reset your PIN anytime at FAB ATMs.
Free SMS alerts for every credit and transaction so you always know what’s happening.
Real-time fraud monitoring it means that you’ll get an SMS if any doubtful action occurs.

Fast & Furious

As soon as your employer transfers salaries, the money is available on your card.
Check balance at ATMs, on the FAB Online Portal, via the Payit App, or by SMS.
24/7 access to FAB ATMs and CDMs.
Customer support is available round-the-clock through the call center.
Fully automated payroll processing.

Free insurance that matters

Personal Accident: You get 5X your monthly salary (up to AED 25,000) for accidental death or permanent disability.
Hospitalization for accidents: AED 50 per day (up to 30 days; max AED 1,500) after a 24-hour minimum stay.
Repatriation: Your Family will receive about AED 5,000 when the mortal remains are returned home.
Travel delay support:: You get assistance when flight delays apply.

Global Acceptance

Works at ATMs, POS terminals, and online stores across the UAE.
Accepted worldwide on Visa and Mastercard networks.
Great for shopping, paying bills, groceries, and e-commerce.

Benefits as an Employee

Salary is directly sent to the card
Instant credit each payday.
Withdraw cash or shop anywhere Visa/Mastercard are accepted.
Free SMS alerts on every movement.
PIN changes at FAB ATMs whenever needed.
Complimentary accident, hospitalization, and repatriation cover.
24/7 customer support.

As an Employer

Easy, stress-free salary distribution, one bulk transfer covers everyone.
Secure transfers straight from the company account to employee cards.
Real-time payroll management via online banking.
Flexible, automated payroll schedules that reduce errors.
Fully WPS-compliant.
Lower costs compared to handling cash.
Dedicated support and customizable payroll options.

FAB Ratibi Card Eligibility Criteria

For Employers

FAB Corporate Banking Account: The Employer should make a corporate account with FAB to transfer bulky salary disbursements
Compliance: All the requirements and required documents should be fulfilled
WPS Registration: The Employer should register with the UAE Ministry of Human Resources & Emiratisation’s WPS because he/she have to upload and fund salary files according to the agreements with WPS.
Payroll File Submission Process: Should know how to use FAB-approved templates to list the details of employees

For Employee

UAE Residency: The employee should have a Valid UAE residency Visa and Emirates ID.
KYC Documentation: To become an Employee of FAB, you must fill in your accurate details in the KYC Document.
AED 5000: You should earn upto AED 5000
Your age must be 18+ years

Documents required for Employee and Employer

Employer Documents	Employee Documents
Trade license or corporate registration document	Emirates ID copy (front & back)
Board resolution or power of attorney	UAE residency visa copy
Last three months’ corporate bank statements	Ministry of HR & Emiratisation labor card
FATCA/CRS entity self-certification (if applicable)	Completed FAB KYC form
Completed Employer Application Form + employee Excel sheet

Ratibi Card Salary Check APP Download

If you want to check your salary and manage your Ratibi Card easily, the Ratibi Card Salary Check App is the best option for you.

Step 1: Open the Google Play Store (for Android users) or Apple App Store (for iPhone users).
Step 2: In the search bar, type “Ratibi Card Salary Check” or “FAB Ratibi” and press enter.
Step 3: Find the official app published by First Abu Dhabi Bank (FAB). Make sure it’s the verified version to keep your data safe.
Step 4: Tap on “Install” (or “Get” on iPhone) and wait for the download to complete.
Step 5: Once installed, open the app and log in using your Ratibi card number or registered mobile number.

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

How to Apply for Ratibi Salary Card

Employers sign up for the Ratibi Card system to pay employees earning AED 5,000 or less. They submit their company documents along with employees’ ID, visa, and labor card copies to FAB. Once everything is set, salaries are transferred directly from the employer’s bank account to each employee’s Ratibi Card through WPS. Employees can then use their cards right away, and the employer never handles the cash. It is the incredibility of the Automatic System.

FAB Ratibi Card Activation

Download and install the FAB Mobile App on your smartphone.
Log in or register if you are a new user.
Go to the Cards or Account Services section.
Find your Ratibi card from the list of cards.
Tap Activate to begin the activation process.

Enter the required details:

Card number or last 4 digits
Expiry date
Card ID
Emirates ID or registered mobile number (if requested)
Create a 4-digit PIN when prompted.

Confirm activation and wait for an SMS or in-app notification confirming your card is active.

How to Get Ratibi Card Statement

Option 1: Via Magnati PPC Inquiry Portal

Go to: https://ppc.magnati.com/ppc-inquiry
Enter:
The last 2 digits of your Ratibi card number
Your Card ID (printed on the front or back of your card)
Click “Go” or “Submit.”
Your current balance and recent transactions (mini statement) will appear on screen.
You can view or print this page as your statement.

Option 2: Through FAB Mobile App

Open the FAB Mobile App and log in.
Go to the Cards section.
Select your Ratibi card.
Tap on Transactions or Statement to view your salary deposits and spending.
You can also download or email the statement directly from the app.

Option 3: Visit FAB ATM or Branch

Insert your card into an FAB ATM, Select “Mini Statement” → View or print recent transactions.
Or visit any FAB branch and request a printed statement from customer service.

What is WPS and NON-WPS

FAB Supports both WPS & NON-WPS systems.

WAGE PROTECTION SYSTEM(WPS)

The Wages Protection System (WPS) is a program developed by the UAE Central Bank and Ministry of Human Resources. It makes sure workers get their salaries on time and through trusted banking channels.

How this system works

1. Employers have to send all employees’ details to the bank WPS portal
2. The automatic system sends the salary of each employee to their card through the employer’s bank account.
3. The automatic system sends reports to Regulators to ensure that the company follows labor law properly.

Benefits of WPS

Followed Rules: Follows all UAE Central Bank and Ministry rules.
No Risk: Automated reports let regulators check payments in real time.
Security: Salaries move electronically, so there’s no risk of handling cash.
Convenience: One bank transfer pays all employees, with dedicated support if needed.

Non-Wage PROTECTION SYSTEM(NON WPS)

Non-WPS salary payment is how companies pay salaries electronically without using the WPS system. The company can still upload all salaries in bulk, but the government does not monitor or double-check the payments.

How Non-WPS Works?

The Employer will create a salary file in the required electronic format for the bank
Instead of sending salaries to all employees separately, the company sends all the money to the bank and the bank will split the salary and each employee gets AED5000.
This makes the payroll process faster, simpler, and easier to manage because the company only has to make one transfer.
Only the company or Authorized users can see employees’ salaries.

Benefits of Non-WPS

Cost-Effective: Salaries are transferred in local currency, so there are no extra conversion fees. This helps the company save money while paying employees efficiently.
Efficient: The company will upload a bulk file within a single transfer and the bank will automatically distribute salaries to all employees
Secure: Electronic transfers help to reduce mistakes and Cash Problems.

Customer Support and Helpline Numbers

Ratibi card customer support assists users with balance inquiries, card activation, lost or stolen cards, and transaction issues. Available through FAB’s helpline, email, and branches, the support team ensures quick resolution and guidance. Users can also access help through the Magnati portal or FAB website for 24/7 assistance.

Here are some helpline / contact numbers for Ratibi / Magnati / FAB support:

Within UAE (Fab / Ratibi / Prepaid): 600 52 5500
Outside UAE (International): +971 2 681 1511
Prepaid / Magnati support: 600 52 2298 (within UAE
Magnati Contact Center: 600 525 002

FAQ’s About Ratibi Card Balance Check

How to change mobile number in FAB Ratibi card?

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

How to transfer money from Ratibi card?

You can withdraw cash at any ATM and deposit it into another account. Direct online transfers are not available for Ratibi cards.

Ratibi card mobile number change

Mobile number changes must be done in person at a FAB branch or through your employer, as it’s linked to your salary account.

Final Verdict

For everyday balance checks and transactions, the Payit app is the best method. It combines speed, detail, and card management tools in one place, which makes it superior to web portals, ATMs, or SMS alone. Payit shows your balance at the Home Screen and also provides beneficial services like Send 1 AED ≈ 15.79 PHP to the Philippines.

However, the FAB Mobile App is rich in features; it depends on your interest also but Payit is very fast and convenient.

As an employer, it is better to invest in tools like Ratibi can enhance employee satisfaction and increase business growth.

As an employee, it is better to understand all features of the Ratibi Card

Shaikh Asadullah

I have three years of experience researching and providing informational content about FAB Bank and NBAD Bank in the UAE. My work focuses on explaining banking services, customer processes, and updates in a clear, accurate, and user-friendly way for general public awareness.

“Thanks Asadullah For Help”
“Very helpful guide! Found all the information I needed about FAB queries. Clear and easy to understand.”
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Jordan