Ratibi Card Balance Check Online in the UAE: Step-by-Step Guide

If you use a FAB Ratibi prepaid payroll card, the easiest way to check your available balance is through the official prepaid card enquiry portal linked from FAB’s Ratibi page. You normally need the last four digits of your card, your Card ID, and the CAPTCHA shown on the screen.

This guide explains how to complete a Ratibi card balance check, what information you need, how salary SMS alerts work, and what to do if your balance or salary does not appear correctly.

Quick Answer: How to Check Your Ratibi Card Balance

To check your Ratibi card balance online:

1. Visit the official FAB Ratibi Prepaid Card page.
2. Select Ratibi Prepaid Card Balance Enquiry.
3. Enter the last four digits of your card number.
4. Enter your Card ID.
5. Complete the CAPTCHA.
6. Select Go to submit the enquiry.

If the online portal does not work, contact FAB Ratibi support on 600 522 298 within the UAE or +971 2 499 6279 from outside the UAE.

What Is a FAB Ratibi Card?

The FAB Ratibi Card is a prepaid salary card arranged through an employer. It allows eligible employees to receive wages without opening a separate personal bank account. FAB describes Ratibi as a payroll solution for employees earning up to AED 5,000, although eligibility also depends on the employer’s arrangement and updated employee information.

A Ratibi card is different from a regular FAB savings or current account. It is not a credit card and does not provide borrowed funds. The employer loads the salary onto the card, and the cardholder can use the available balance for eligible ATM withdrawals, retail purchases and online payments.

FAB also states that Ratibi supports salary payments under the UAE Wages Protection System, commonly known as WPS.

How to Complete a Ratibi Card Balance Check Online

Step 1: Open the official FAB Ratibi page

Use the official First Abu Dhabi Bank website and open the Ratibi Prepaid Card section. Avoid using random websites that ask for your full card number, PIN, password or one-time security code.

Step 2: Select the balance enquiry option

Under the section for existing Ratibi cardholders, select Ratibi Prepaid Card Balance Enquiry. This takes you to FAB’s prepaid card enquiry portal operated through Magnati.

Step 3: Enter the last four card digits

The enquiry page asks for the last four digits of your Ratibi card number. Enter them carefully in the relevant fields.

You should not enter your PIN in this section. Your PIN is used for card transactions and ATM access, while the Card ID is used for prepaid card identification.

Step 4: Enter your Card ID

Enter the Card ID connected to your Ratibi card. The Card ID is different from your card number and PIN. If you are unsure about the correct Card ID, contact your employer’s authorised payroll representative or FAB Ratibi support rather than guessing.

Step 5: Complete the CAPTCHA

Enter the security code displayed on the page. If the CAPTCHA is difficult to read, refresh it and use the newly displayed code.

Step 6: Select “Go”

After checking the details, select Go. The portal will process the enquiry and display the available card information if the submitted details are accepted.

What Information Do You Need?

The portal does not require you to share your PIN with another person. Never send your card details, PIN or security codes through social media, messaging apps or unofficial support accounts.

Other Ways to Monitor Your Ratibi Balance

Salary-credit SMS alerts

FAB lists free SMS alerts for every salary credit. These messages can confirm that your employer has transferred your salary to the card.

However, a salary-credit SMS is not necessarily a live balance statement. Your available balance may change after purchases, cash withdrawals or other card activity. For the most accurate current amount, complete a fresh enquiry through the official portal.

ATM balance enquiry

FAB states that Ratibi cards can be used at ATMs. Some compatible ATMs may also provide a balance enquiry option. If you use an ATM, follow the on-screen instructions and review any displayed charge before confirming.

ATM services and fees can vary depending on the network. If the ATM does not show a balance option, use the official online enquiry portal or contact Ratibi support.

Ratibi customer support

FAB provides dedicated Ratibi support for cardholders. Call:

• Within the UAE: 600 522 298
• Outside the UAE: +971 2 499 6279

Keep your card available when calling, but do not share your PIN or any security code unless you are certain you are using an official FAB channel.

Ratibi Card Balance Not Showing? Try These Steps

If the portal does not display your balance, check the following:

1. Confirm that you entered the correct last four digits.
2. Make sure you used the Card ID, not your PIN or full card number.
3. Refresh the CAPTCHA and submit the new code.
4. Reopen the official FAB Ratibi page and access the enquiry portal again.
5. Check whether the card has expired, been blocked or recently replaced.
6. Ask your HR or payroll department to confirm that your salary file was submitted correctly.
7. Contact FAB Ratibi support if the employer confirms that payment was processed but the balance remains unchanged.

Avoid repeatedly submitting incorrect information. If you cannot identify the correct Card ID, ask your employer or FAB for assistance.

What to Do If Your Salary Has Not Been Credited

A missing salary is not always caused by a balance-check problem. The payment may not yet have been processed by the employer or payroll provider.

Follow this order:

1. Confirm the expected salary date with your employer.
2. Ask HR or payroll whether the salary file or WPS payment was submitted.
3. Confirm that your employee details and card information are correct.
4. Check the Ratibi balance through the official enquiry portal.
5. Ask the employer for the payment status or transaction reference.
6. Contact FAB Ratibi support if the employer confirms that the payment was sent.

FAB’s Ratibi information identifies the employer as an important contact between employees and the bank, so HR or payroll should usually be your first contact for a delayed salary.

FAB Mobile App or Ratibi Balance Portal?

FAB Mobile supports balance and transaction services for eligible FAB accounts and cards. However, FAB’s official Ratibi product page directs existing Ratibi cardholders to the separate prepaid card balance enquiry portal.

If you have only a Ratibi payroll card, start with the dedicated Ratibi enquiry service. If you also have a regular FAB bank account, you can use FAB Mobile to manage that separate account.

Common Mistakes to Avoid

• Using an unofficial balance-check website
• Entering the full card number in the wrong field
• Confusing the Card ID with the PIN
• Sharing your PIN with an employer, caller or online helper
• Assuming a salary SMS shows your current remaining balance
• Assuming every ATM offers the same balance enquiry service
• Waiting too long before reporting a lost or stolen card
• Repeating failed transactions when the available balance is insufficient

A Simple Balance-Checking Routine

Checking your Ratibi balance after receiving your salary can help you track essential expenses. It is also useful to check the balance before a large purchase, online payment or cash withdrawal.

For better everyday money management, keep a simple record of regular expenses such as rent, transport, groceries, phone bills and family transfers. SMS alerts can help you notice salary credits, while the official portal gives you a more current balance check after spending.

Frequently Asked Questions

How can I check my Ratibi card balance online?

Visit the official FAB Ratibi page, select Ratibi Prepaid Card Balance Enquiry, enter the last four digits of your card, provide your Card ID, complete the CAPTCHA and select Go.

What is required for a Ratibi balance enquiry?

The official prepaid card enquiry page currently asks for the last four card digits, Card ID and CAPTCHA verification.

Is Ratibi the same as a FAB bank account?

No. Ratibi is a prepaid payroll card. It allows salary payments and card transactions without requiring the employee to open a separate personal bank account.

Can I check my Ratibi balance without using the FAB Mobile app?

Yes. The dedicated prepaid card enquiry portal is the main online route listed on FAB’s Ratibi page. You can also contact Ratibi support if you cannot access the portal.

Does the salary SMS show my current balance?

Not necessarily. The SMS confirms a salary credit, but your available balance can change after purchases or withdrawals. Use the official enquiry portal for a fresh balance check.

What should I do if I forget my Card ID?

Do not replace the Card ID with your PIN or full card number. Contact your employer’s payroll department or FAB Ratibi support for guidance.

What is the Ratibi support number in the UAE?

The Ratibi support number listed by FAB is 600 522 298 within the UAE. From outside the UAE, call +971 2 499 6279.

What should I do if my salary is missing?

First contact your HR or payroll department to confirm that the salary payment was submitted. If the employer confirms payment but the balance remains unchanged, contact FAB Ratibi support.