If you’re a worker in the UAE who gets your salary deposited via a Ratibi Card, chances are that you would be interested in knowing how to easily check your balance. You can track your salary to manage your expenses and get the right amount of money on time.
Ratibi is an employee payroll card facility offered to workers without conventional bank accounts. In this guide, we will lead you through the process of Ratibi Card Salary Check.
What is a Ratibi Card?
First Abu Dhabi Bank (FAB) introduced the Ratibi Card as a wage solution which permits organizations to transmit compensation through electronic means to unbanked staff. Employees who have the card can receive electronic salary payments while accessing cash through withdrawals and making transactions similar to debit card uses.
Who is Eligible for a Ratibi Card?
Ratibi Cards are typically issued to:
- Employees with a monthly salary of AED 5,000 or below.
- Workers without a bank account.
- Individuals whose employers have an agreement with FAB for payroll processing.
Benefits of Using a Ratibi Card
- No minimum balance is needed – Unlike standard bank accounts, no balance need be maintained.
- Convenient salary access – Workers can withdraw money, purchase, or pay online.
- No bank account needed – Ideal for workers without traditional banking access.
- Secure transactions – Transactions are PIN-protected and monitored.
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How to Check Your Salary on a Ratibi Card
There are three main ways to check your Ratibi Card salary balance:
- Ratibi Card Salary Check Online via the FAB website
- Ratibi Card Salary Check Through an SMS inquiry
- Ratibi Card Salary Check At an ATM
Each method is easy and requires minimal effort. Let’s explore them in detail.
Ratibi Card Salary Check Online
To check your salary balance online, follow these steps:
- Visit the First Abu Dhabi Bank (FAB) Ratibi Portal.
- Enter your Ratibi Card number.
- Click on Submit to view your balance.
Websites and Portals to Use
- FAB official website.
- Employer payroll portals (if available)
Ratibi Card Salary Check via SMS
For those who prefer a quick SMS check:
- Send an SMS with your Ratibi Card number to the designated FAB number.
- Wait for a response with your salary balance.
Important Details
- The SMS format and number may vary—check with your employer or FAB for the latest details.
- Response time is usually within a few minutes.
Ratibi Card Salary Check at an ATM
You can also check your balance at any ATM that accepts FAB cards.
Steps for Ratibi Card Salary Check at an ATM
- Insert your Ratibi Card into the ATM.
- Enter your PIN.
- Select Balance Inquiry from the menu.
- View your salary balance on the screen.
This method is ideal for those who prefer physical confirmation of their salary balance.
Ratibi Card Customer Support and Helpline
Sometimes, you might experience difficulties when checking your salary balance or making use of your Ratibi Card. Customer support can then be contacted to solve the problem instantly.
How to Contact Ratibi Card Customer Service
- Call FAB Customer Service – The official helpline for Ratibi Card users can be found on the FAB website or at the back of your card.
- Go to a FAB Branch – If your concern needs to be addressed in person, you can visit the closest First Abu Dhabi Bank branch.
- Employer Support – Your employer might have a payroll section that can assist with salary-related matters.
Common Customer Support Issues
- Lost or stolen card – Immediate blocking of the card and requesting a replacement.
- Incorrect salary deposit – Reporting salary discrepancies to HR or the bank.
- Technical issues with balance check – Troubleshooting SMS, online, or ATM balance inquiries.
Advantages of Using a Ratibi Card for Salary Payments
Using a Ratibi Card comes with several benefits, especially for employees who do not have traditional bank accounts.
Why is the Ratibi Card a Good Option?
- Hassle-free salary deposits – Employers can pay salaries directly to the card.
- No need for a bank account – Ideal for workers who do not meet traditional banking requirements.
- Secure transactions – The card is PIN-protected and monitored for fraud.
- Convenient withdrawals – Use at any ATM or for shopping transactions.
For employees, the Ratibi Card simplifies financial transactions, making it easier to receive and manage salary payments.
Common Issues with Ratibi Card Salary Check
Despite its convenience, some users may face occasional problems with their Ratibi Cards.
Common Problems and Solutions
- Delayed Salary Deposits – If your salary is not credited on time, contact your employer to ensure the payment date.
- Incorrect Balance Display – If your balance appears to be incorrect, try checking through a different route (online, SMS, or ATM). If it doesn’t work out, contact customer care.
- Card Blockage – This may occur because of erroneous PIN inputs or security purposes.Visit a FAB branch to unblock your card.
How to Activate and Use a Ratibi Card
If you have received a new Ratibi Card, it must be activated before use.
Steps to Activate Your Ratibi Card
- Call the FAB customer service helpline.
- Provide your card details for verification.
- Set up a secure PIN code for ATM transactions.
How to Use the Card
- Withdraw salary at ATMs
- Make purchases at POS machines
- Use it for online payments where applicable
How to Withdraw Salary from a Ratibi Card
Withdrawing your salary from a Ratibi Card is simple.
Steps for ATM Withdrawal
- Insert the Ratibi Card into any FAB or partner ATM.
- Enter your PIN code.
- Select Withdraw Cash and enter the amount.
- Collect your cash and receipt.
Withdrawal Limits and Charges
- Daily withdrawal limits apply – Check with FAB for specific limits.
- ATM withdrawal fees – Some ATMs may charge a small fee for non-FAB transactions.
How to Replace a Lost or Expired Ratibi Card
Losing your Ratibi Card can be stressful, but it can be replaced quickly.
Steps to Get a Replacement
- Report the lost card – Call the FAB helpline and request to block the card.
- Visit a FAB branch – Submit a request for a replacement card.
- Receive your new card – The bank will issue a new card, usually within a few days.
Fees for Replacement
- Some replacement cards may have a small fee. Check with FAB for the latest charges.
Security Tips for Ratibi Card Users
To protect your salary and prevent fraud, follow these security tips:
How to Keep Your Ratibi Card Safe
- Never share your PIN – Keep it confidential at all times.
- Monitor transactions – Regularly check your balance to spot unauthorized charges.
- Immediately report lost or stolen cards – This stops fraud.
If you detect any unusual transaction on your card, inform customer service right away.
Conclusion
The Ratibi Card is a convenient and secure way of getting paid salary for UAE workers. Whether you balance your account online, through SMS, or an ATM, it is necessary to be careful of your salary credits.
By knowing how to utilize the Ratibi Card, verifying for delays, and obeying security recommendations, you are able to have a smooth process of managing your salary. If there is any issue, customer service is ready at hand to assist you.
FAQs
How long does it take for my salary to be credited to my Ratibi Card?
Salaries are usually deposited on the scheduled payday. If there’s a delay, check with your employer first.
What should I do if my Ratibi Card balance is incorrect?
Try checking through different methods (online, SMS, or ATM). If the issue persists, contact FAB customer service.
Can I transfer money from my Ratibi Card to another bank account?
Ratibi Cards generally do not support direct transfers to other bank accounts. However, some services may allow cash withdrawals, which can then be deposited into another account.
Is there a way to receive salary alerts for my Ratibi Card?
Yes, you can enable SMS alerts for salary deposits by contacting FAB customer service.
Can I use my Ratibi Card outside the UAE?
The Ratibi Card is primarily designed for use within the UAE. Check with FAB to see if international transactions are allowed.