Are you new to using a Ratibi card and constantly wondering whether your salary has been credited? We’ve all been there—waiting for that SMS notification can be stressful. If you want to take control and check your funds immediately, you are in the right place.
In this guide, Burj Diary will walk you through the quick method of Ratibi card salary check online, along with offline alternatives and crucial card details. By the end of this post, you’ll know exactly how to access your salary information whenever you want.
If you are a standard account holder, check our detailed guide on how to check your FAB balance for other account types.
What is a Ratibi Card?
Before we dive into the checking methods, it is helpful to understand exactly what you are holding.
Ratibi cards are smart salary cards introduced by First Abu Dhabi Bank (FAB) in the UAE. They are designed to streamline salary payments for the private sector, ensuring compliance with the UAE’s Wage Protection System (WPS).
Essentially, these are prepaid cards where employers deposit monthly wages. They are specifically designed for employees with a salary of 5,000 AED or less who may not require a full bank account. The biggest perk? You don’t need to maintain a minimum balance, and you don’t need a traditional bank account to get one.
How to Perform Ratibi Card Salary Check Online
The most convenient way to check if you have been paid is via the internet. You don’t need to visit a branch or stand in line at an ATM. Here is how you can check your Ratibi salary card balance from the comfort of your home.
Step-by-Step Online Guide
- Visit the Portal: Open the FAB PPC (Prepaid Card) Inquiry Portal on your browser.
- Enter Card Details: You will see a prompt asking for the “Last 2 digits of Card Number.” Enter the last two numbers found on the front of your Ratibi card.
- Enter Card ID: In the next box, type your Card ID. This is usually the long sequence of numbers printed on your card (distinct from the 16-digit card number).
- Submit: Press the ‘Go’ or ‘Submit’ button.
Once you log in, your dashboard will display your current Ratibi card salary check details. You will see your available balance instantly.
Checking Transaction History
Beyond just the balance, the portal allows you to view your recent transaction history. This helps you track:
- Exact dates when your salary was credited.
- Where you spent money recently.
- Any withdrawals made at ATMs.
Important Note: You must activate your Ratibi card before you can use online services. If you haven’t done this yet, scroll down to our activation section.
How to Check Ratibi Salary Card Balance Offline (ATM)
If you don’t have internet access or prefer a physical confirmation, you can check your balance at any First Abu Dhabi Bank (FAB) ATM.
- Find an ATM: Locate the nearest FAB ATM in your area.
- Insert Card: Insert your Ratibi card into the machine.
- Enter PIN: Type in your 4-digit PIN code.
- Select Balance Inquiry: On the main menu screen, look for the “Balance Inquiry” or “Balance Details” tab and select it.
- View Balance: Your current salary amount will be displayed on the screen. You can usually choose to print a receipt for your records.
Is There a Ratibi Card App?
A common question in 2026 is whether there is a specific “Ratibi App.” Currently, Ratibi cardholders generally use the FAB Prepaid Card Inquiry Portal via a web browser on their phones rather than the standard FAB Mobile banking app used by current account holders.
However, for general banking services, the FAB Mobile App is a powerful tool. Always check the official FAB website for the latest updates on app compatibility for prepaid payroll cards.
Benefits of the Ratibi Card
Using this card isn’t just about receiving money; it comes with perks designed to make life in the UAE easier for employees.
- Free Insurance: Cardholders often receive complimentary personal accident insurance.
- No Minimum Balance: Unlike standard bank accounts that charge you if your balance drops too low, Ratibi cards have zero minimum balance requirements.
- Global Access: Since it operates on Visa or Mastercard networks, you can use it for shopping worldwide, not just in the UAE.
- Security: It eliminates the risk of carrying large amounts of cash. If the card is lost, your funds are safe (provided you report it immediately).
- Direct Payments: You can swipe your card at supermarkets, pharmacies, and malls just like a regular debit card.
How to Activate Your Ratibi Card
You cannot perform a Ratibi salary card check if your card is inactive. When you first receive your card from your employer, follow these steps:
- Visit a FAB ATM.
- Insert the card.
- Follow the on-screen prompts to set up a new PIN.
- Once the PIN is set, your card is active and ready for withdrawals and online inquiries.
Eligibility: Who Can Get a Ratibi Card?
You cannot apply for this card individually like a credit card. It must be initiated by your employer.
- Employer: Must have a corporate account with FAB.
- Employee: Must be a UAE resident with valid residency status and updated KYC (Know Your Customer) details.
If you meet these requirements, then you can file your application for a ratibi card in the following steps:
- Fill out the relevant Ratibi application form and the employee details sheet with accurate information
- Fill out the ibanking application form for requesting access to the online card management portal
- You can find the abovementioned forms online at the FAB’s official site
- Submit your completed application forms to nearby FAB branches.
Ratibi Card Salary Check: FAQS
Q: How do I check my Ratibi card balance on mobile?
A: You can check it on your mobile by opening your web browser (like Chrome or Safari) and visiting the FAB PPC Inquiry portal. Enter your Card ID and the last 2 digits of your card number to view your balance.
Q: Can I withdraw all my salary from the Ratibi card at once?
A: Yes, you can withdraw cash up to the daily limit set by the ATM. However, it is often safer to keep some money on the card for direct payments at stores.
Q: Why is my Ratibi card blocked?
A: Your card might be blocked if you enter the wrong PIN three times or if your KYC details (like your Emirates ID) have expired. Contact FAB customer support or check with your employer to update your details.
Q: Can I transfer money from my Ratibi card to another bank account?
A: generally, Ratibi cards are designed for withdrawals and direct payments (Point of Sale). Transfer capabilities are limited compared to standard bank accounts. Check with FAB for the latest remittance features available on your specific card type.
Q: Is the Ratibi card checking service free?
A: Checking your balance online via the PPC portal is free. Checking balance at FAB ATMs is usually free, but using non-FAB ATMs might incur a small fee.
Q: Can I use the Ratibi card for online shopping?
A: Yes! Ratibi cards act like standard Visa or Mastercards. You can use them for online purchases, bill payments, and booking tickets.
Summing Up
Ratibi cards have revolutionized how employees receive wages in the UAE, ensuring timely and secure payments. Whether you prefer the instant Ratibi card salary check via the online portal or a quick visit to an ATM, accessing your funds is simple.
Remember to keep your PIN secure and never share your Card ID with anyone. If you have trouble accessing the portal or your card is not working, contact FAB support immediately.
