Ratibi Card Salary Check: Easy PPC Balance Inquiry

When you have a Ratibi Card, keeping track of your salary doesn’t have to be difficult. If you ever need to do a Ratibi Card salary check, there are plenty of quick ways to access your balance in just a few steps. Whether you prefer using an online portal, a mobile app, or checking at an ATM, each method is designed to give you immediate access to your earnings. No more waiting or wondering when your salary will arrive.

In the guide below, we’ll walk you through the different ways to check your balance, so you always know where your money stands.

How to Check Ratibi Card Balance Online?

Checking Ratibi Card Balance Online

A simple way to check your Ratibi card balance is through the FAB Prepaid Card Inquiry Portal. This method allows you to access your salary details online without needing an ATM or mobile app. Here’s a step-by-step guide to checking your balance accurately.

Step 1: Visit the Official FAB Prepaid Card Inquiry Portal

To get started, open your preferred web browser and go to the official First Abu Dhabi Bank (FAB) Prepaid Card Inquiry Portal. This is the designated platform for checking your card balance securely.

Step 2: Enter Your Card Details

Once you’re on the portal, you’ll need to enter the following details from your Ratibi Card:

• Last Two Digits of Your Card Number: Look at the 16-digit card number printed on your Ratibi Card and enter only the last two digits.
• 13-Digit Card ID: Find the Card ID printed on the front of your card, usually in the bottom-left corner, and enter it in the required field.

Step 3: Submit the Information

After entering the necessary details, double-check for any errors and then click on the “Go” button to proceed.

Step 4: View Your Balance

The system will process your request and display your Ratibi card balance on the screen. You will be able to see the exact amount available in your account, helping you keep track of your salary deposits.

Ratibi Card Balance Check Using Mobile Apps

Managing your Ratibi Card balance has never been easier, now that you can use mobile applications like the FAB Mobile App and the Payit App. These platforms offer quick and convenient access to your account information right from your smartphone.

FAB Mobile App:

1. Download and Install: Search for the “FAB Mobile” app on the Google Play Store or Apple App Store and install it on your device.
2. Register Your Account: Open the app and sign up using your card details. Follow the on-screen instructions to create your profile.
3. Check Your Balance: Once logged in, go to the “Accounts” section to view your current balance and recent transactions.

Payit App:

1. Download and Install: Find the “Payit” app on the Google Play Store or Apple App Store and download it.
2. Link Your Card: After opening the app, register by entering your Ratibi Card information to link it to your Payit account.
3. Access Your Balance: Login to the app, and your card balance will be displayed on the dashboard, allowing you to monitor your funds instantly.

Steps to Check Your Salary on a Ratibi Card via ATM

Using an ATM to access your salary balance is incredibly easy with a Ratibi Card. Follow these steps to check your balance:

1. Locate a First Abu Dhabi Bank (FAB) ATM:
   • Find the nearest FAB ATM, as they are equipped to provide detailed account information for Ratibi Cardholders.
2. Insert Your Ratibi Card:
   • Place your card into the ATM’s card slot.
3. Enter Your PIN:
   • Input your Personal Identification Number (PIN) when asked. Ensure no one else can see your PIN entry for security purposes.
4. Select “Balance Inquiry”:
   • From the menu options displayed, choose “Balance Inquiry” to view your current account balance.
5. View and Print Balance Information:
   • Your balance will appear on the screen. If you prefer a physical record, print a receipt.
6. Complete the Transaction:
   • Once you’ve reviewed your balance, follow the on-screen instructions to end the session and retrieve your card.

Ratibi Card Balance Inquiry Through SMS

With this card, you can check your salary using the SMS service provided by First Abu Dhabi Bank (FAB). The following steps will help you check your balance by SMS:

1. Compose a New SMS:
   • Open your phone’s messaging app.
   • Type ‘BAL‘ followed by a space and the last four digits of your Ratibi Card number.
     • For example: BAL 1234

2. Send the SMS:
   • Send the message to FAB’s designated number.
     • The specific number may change, so it’s advisable to confirm the correct SMS number with FAB customer service or refer to official FAB communications.

3. Receive Your Balance:
   • Within moments, you’ll receive an SMS from FAB containing your current card balance.

Important Notes:

• Registration: Ensure that your mobile number is registered with FAB to utilize the SMS balance inquiry service. If it’s not registered, contact FAB customer support to update your details.
• Charges: Standard SMS charges from your mobile service provider may apply when sending a balance inquiry message.
• Security: Always use your personal mobile device to send balance inquiries and avoid sharing your card details with others to maintain account security.

What is a Ratibi Card?

Alright, so you’ve probably heard about the Ratibi Card, but what exactly is it? Think of it as a helpful payroll card that lets employees in the UAE receive their salaries without needing a traditional bank account. It’s designed mainly for workers earning up to AED 5,000 per month, making salary payments simple and effortless.

Instead of dealing with cash or waiting for a cheque, your salary gets loaded directly onto your card. It works just like a debit card. You can withdraw cash from ATMs, shop in stores, and even check your balance online or through mobile apps. The best part? There’s no minimum balance requirement, no maintenance fees, and you don’t need to go through the process of opening a bank account.

It’s basically the easiest way for employees to access their money without worrying about documents or bank visits. Whether you’re getting paid, shopping, or sending money back home, the card makes managing your salary an easy task.

Benefits of Using a Ratibi Card

Having a Ratibi Card is like having an easy way to manage your salary without dealing with banks. It’s easy to use, convenient, and packed with benefits that make life easier. Here’s why it’s so powerful:

• No Bank Account Needed: You don’t need a bank account to receive your salary. Your employer loads your salary straight onto your card every month.
• No Minimum Balance Required: Unlike regular bank accounts, there’s no need to maintain a certain amount of money on your card. Use it freely without worrying about extra
• Easy Salary Access: Check your balance anytime through ATMs, the FAB Online Portal, Payit App, or SMS, so you always know how much money you have.
• Free ATM Withdrawals: Withdraw cash from FAB ATMs whenever you need it without paying extra
• Safe & Secure: No need to carry cash around. If your card gets lost, it can be blocked and replaced easily.
• Free SMS Alerts: Get instant notifications when your salary is credited, so you don’t have to keep guessing.
• 24/7 Access to Funds: Make purchases, pay bills, or withdraw cash anywhere with your card.
• Accepted Across the UAE: The card is widely accepted at ATMs, POS machines, and online stores, making it convenient for daily transactions.
• Basic Accident Insurance: Comes with personal accident coverage, adding an extra layer of financial protection.
• Cashless Transactions: Pay for groceries, shopping, and even online purchases without worrying about carrying

How Employers Load Salaries onto a Ratibi Card

Salaries are disbursed via the Ratibi Card, which means that your employer loads funds onto the card rather than you. First Abu Dhabi Bank (FAB) facilitates this process, which ensures that employees receive their salaries without the need for a traditional bank account. Below is a detailed breakdown of how money is loaded onto your card.

1. Salary Calculation and Processing
   • At the end of each payroll cycle, your employer calculates your monthly salary.
   • Once the payroll is finalized, the employer initiates the salary transfer process.
2. Transferring Funds Through FAB
   • Employers use the FAB Corporate Banking Platform to transfer funds directly to their employees’ Ratibi Cards.
   • This system ensures secure and efficient payment processing, in accordance with UAE labour regulations.
3. Salary Credit Confirmation
   • Once the transfer is complete, employees receive an SMS notification confirming the amount credited.
   • Funds become available immediately, allowing employees to withdraw cash or use the card for purchases.

How Employers Load Salaries onto a Ratibi Card

There are several ways to get assistance if you have any problems with your card. Among them are blocked cards, lost cards, unauthorised transactions, and uncredited salaries.

The fastest way to resolve problems is by contacting FAB customer support. You can call 600525500 within the UAE or +971 (2) 6811511 internationally. For Ratibi-specific inquiries, use 600522298. Always keep your Ratibi Card and Emirates ID handy for verification.

For in-person assistance, visit a FAB branch with your Emirates ID. If your card is lost or stolen, request immediate deactivation and apply for a replacement card. In case of unauthorized transactions, report them as soon as possible to prevent further misuse.

You can also use FAB’s online services. Visit the FAB website for FAQs or email help@payit.ae for non-urgent matters. Make sure to provide your full name, registered mobile number, Ratibi Card ID, and a copy of your Emirates ID for a quick response.

If your salary hasn’t been credited, first confirm with your employer that the transfer was processed. If the issue persists, contact FAB support to check your account. For ATM withdrawal issues, try another ATM or report the problem.

Keeping your contact details updated ensures effective communication. You can update them at a FAB branch or via online services. Reporting issues quickly helps resolve them without delay, ensuring you have uninterrupted access to your salary.

Can I Transfer Money from My Ratibi Card?

Yes, you can transfer money from your Ratibi Card to other accounts or individuals. Here’s how:

1. International Money Transfers:

• Through Payit App: Link your Ratibi Card to the Payit e-wallet app to send money to over 200 countries.
• Using Money Transfer Services: Visit authorized exchange centers or use compatible digital platforms to transfer funds internationally.

2. Domestic Transfers:

• To Payit Users: Within the Payit app, transfer funds to other Payit users instantly.
• Bank Account Transfers: Verify whether your Ratibi Card can be used to transfer funds to a local bank account with the service provider.

Important Considerations:

• Fees and Limits: Be aware of any applicable fees and transfer limits, which can vary based on the service used.
• Verification Requirements: Ensure your card and associated accounts are fully verified to enable transfer services.

Are Ratibi Card Salaries Taxed?

Salaries received through a Ratibi Card are not subject to income tax in the UAE, as the country does not impose personal income tax on employees. Whether you receive your salary via a bank account or a prepaid payroll card like Ratibi, there is no deduction for income tax. However, certain deductions may apply based on company policies, such as health insurance, pension contributions (for UAE nationals), or other contractual responsibilities.

While salaries are tax-free in the UAE, expats may need to declare overseas income if their home country requires it. If you have concerns about deductions from your Ratibi Card salary, it’s best to consult your employer’s payroll department for clarification.

Where to Find Ratibi Card Services?

Ratibi Card services are easily accessible across various First Abu Dhabi Bank (FAB) channels. If you need assistance with balance inquiries, or salary-related support, here are the key places to find help:

• FAB Branches: Visit any First Abu Dhabi Bank (FAB) branch across the UAE for card-related services, salary disputes, or general inquiries.
• FAB Online Portal: Use the FAB Prepaid Card Inquiry Portal to check your balance and manage card details.
• FAB Mobile App & Payit App: Download the FAB Mobile App or Payit App from the Google Play Store or Apple App Store to access your salary and other banking services.
• FAB ATMs: Use any FAB ATM to withdraw cash, check your balance, or manage your Ratibi Card.
• FAB Customer Support: Call the FAB customer service helpline for any card-related concerns, such as lost or blocked cards.
• Employer Payroll Department: Since employers issue and manage these cards, they are the first point of contact for salary disbursement issues.

Conclusion

It’s easier than ever to keep track of your earnings with a Ratibi Card salary check. Whether you’re checking your balance online, through a mobile app, or at an ATM, you have full control over your funds anytime you need them. No bank account? No problem. This card gives you quick access to your salary without the inconvenience of traditional banking. Just follow the right steps, keep your details secure, and you’re good to go!

FAQ’s