A Ratibi card salary check lets employees confirm whether their monthly salary has been credited and how much money remains available on the card. Ratibi cardholders can check their balance through the prepaid card enquiry portal, Payit app, an ATM or Ratibi customer support.

FAB First Abu Dhabi Bank

خدمات البطاقة - الاستعلام عن البطاقة المدفوعة مسبقاً

Card Services - Prepaid Card Inquiry

Ratibi is a prepaid payroll card rather than a standard FAB bank account. This distinction matters because regular FAB online banking features may not display a standalone Ratibi card unless it has been linked through a supported service.

Ratibi is designed specifically for payroll use. If you have a regular First Abu Dhabi Bank account instead, follow the fab bank balance check process. Customers who still know the bank by its former National Bank of Abu Dhabi name can also see the nbad bank balance check guide.

Ratibi Card Salary Check

The quickest online method is the prepaid card balance enquiry service used for FAB and Magnati prepaid cards. You normally need the last four digits of your Ratibi card, the Card ID printed on the card and the displayed security code.

Balance check method	What you need	Internet required	Best for
Prepaid card enquiry portal	Last four card digits, Card ID and captcha	Yes	Fast browser-based checks
Payit app	UAE mobile number and Ratibi card details	Yes	Regular balance and card management
ATM	Physical card and PIN	No	Balance check and cash withdrawal
Salary credit SMS	Registered UAE mobile number	No	Automatic salary confirmation
Customer support	Card and identity verification details	No	Missing salary or card problems
Employer or HR department	Employee and payroll details	No	Delayed WPS salary payments

What Is a Ratibi Salary Card?

Ratibi is a payroll prepaid card provided through First Abu Dhabi Bank for eligible UAE employees who earn up to AED 5,000 per month. It allows employers to transfer salaries electronically without requiring each worker to open a traditional bank account.

The card supports salary receipt, cash withdrawals and card payments at participating merchants. Ratibi payroll processing is also designed to support the UAE Wages Protection System, commonly known as WPS.

A Ratibi card can generally be used:

To receive a monthly salary
To withdraw cash from ATMs
To make purchases at shops
To pay at supported online merchants
To receive an SMS when salary is credited
To access funds without maintaining a bank account

The balance shown on the card is the money currently available after salary credits, withdrawals, purchases, fees and any pending transactions have been processed.

How to Check Ratibi Card Salary Online

The prepaid card enquiry portal is the most direct method for users who want to check their Ratibi salary from a mobile or desktop browser. It does not require a regular FAB online banking account.

Step 1: Open the Prepaid Card Enquiry Page

Open the official prepaid card balance enquiry service in your browser. Confirm that the page displays Card Services – Prepaid Card Inquiry before entering any information.

Avoid unofficial websites that imitate a balance checker. A legitimate balance enquiry should not ask for your ATM PIN, one-time password or full online banking password.

Step 2: Enter the Last Four Card Digits

Find the 16-digit card number printed on the front or back of your Ratibi card. Enter only its last four digits in the relevant field.

Do not type the entire card number unless an official service specifically requires it. The current prepaid enquiry form uses the final four digits rather than the complete number.

Step 3: Enter Your Card ID

Locate the Card ID printed on your Ratibi card. This is separate from the card number and must be entered exactly as shown.

Do not confuse the Card ID with your Emirates ID number, employee number, CVV or ATM PIN. Entering the wrong identifier is one of the most common reasons the enquiry form rejects a request.

Step 4: Complete the Security Code

Type the letters or numbers displayed in the captcha image. Captcha codes are case-sensitive on some systems, so check each character carefully.

Refresh the image when it is unclear. Repeated incorrect entries may temporarily interrupt the session.

Step 5: Submit the Balance Enquiry

Select the enquiry or “Go” button. The system should display the available prepaid card balance after validating your information.

Review the amount carefully. A recent card purchase may appear as pending before it is fully deducted, so the available balance can differ from a simple calculation based on previous transactions.

Where to Find the Ratibi Card ID

The Card ID is an identification number printed on the salary card and used to verify prepaid card enquiries. It is not the same as the 16-digit payment card number.

Check both sides of the card for a label such as “Card ID.” Its position may vary depending on when the card was issued or replaced.

The following details serve different purposes:

Card detail	Purpose	Should you enter it online?
Last four card digits	Identifies the prepaid card	Yes, on the official enquiry form
Card ID	Verifies the prepaid card record	Yes, on the official enquiry form
ATM PIN	Authorises ATM and card transactions	Never on a balance website
CVV security code	Confirms some online purchases	Not for the balance enquiry
Emirates ID number	Identity verification in selected processes	Only when officially requested
OTP	Approves a specific secure action	Never share with another person

Contact your employer or Ratibi support if the Card ID is damaged, faded or missing. Do not guess the number, as repeated failed attempts will not produce an accurate balance.

Check Ratibi Salary Through the Payit App

Ratibi cardholders may be able to link their card to the Payit wallet and view the available balance through the app. This method is useful for employees who want easier access to salary information and supported wallet services.

How to Link a Ratibi Card to Payit

Download and open the Payit app.
Register using your active UAE mobile number.
Complete the required identity verification.
Choose the option to link or add a Ratibi card.
Enter the requested Ratibi card information.
Complete the verification process.
Open the card or salary section to view the balance.

The mobile number used during registration should match the details associated with your salary card where required. Contact your employer if the system shows an old or incorrect number.

Payit and FAB Mobile are not the same service. A Ratibi cardholder without a regular FAB account should not assume the card will automatically appear inside standard FAB mobile banking.

Employees in the UAE may receive wages through several different payroll-card providers. If your card is not Ratibi, you can check our al ansari balance check or lulu salary check guide for provider-specific instructions.

Check Ratibi Card Balance at an ATM

An ATM balance enquiry is a practical option when the online portal is unavailable or the Card ID cannot be read. You need the physical Ratibi card and its correct PIN.

ATM Balance Enquiry Steps

Insert your Ratibi card into a compatible ATM.
Select English or Arabic.
Enter your four-digit ATM PIN privately.
Choose “Balance Enquiry” or a similar option.
View the available balance on the screen.
Request a receipt when needed.
Remove your card before leaving the ATM.

The ATM may ask whether you want a printed receipt. A fee may apply at certain non-FAB or international ATM networks, so check the on-screen message before confirming.

Never accept help from strangers at an ATM. Cover the keypad while entering your PIN and cancel the transaction if the card slot, screen or keypad appears altered.

Check Whether Your Ratibi Salary Has Been Credited

Ratibi cardholders can usually receive an SMS notification when an employer credits their salary. The alert shows that a payroll payment has reached the card, but it may not always provide a complete transaction history.

No message does not automatically mean the salary was not paid. SMS delivery can fail because of telecom delays, an inactive SIM, an outdated mobile number or incorrect employee records.

Use the online portal, Payit or an ATM to confirm the actual available balance. These methods are more reliable than relying only on an SMS notification.

Ratibi Card vs FAB Bank Account Balance Check

A Ratibi card is not the same as a FAB current or savings account. Using the wrong service can result in login errors or a blank account dashboard.

Feature	Ratibi salary card	Regular FAB bank account
Product type	Prepaid payroll card	Current or savings account
Bank account required	No	Yes
Main purpose	Receive salary through payroll	Full personal banking
Online balance method	Prepaid enquiry or linked provider app	FAB online or mobile banking
Employer involvement	Employer arranges card and payroll	Employee usually opens account
WPS use	Commonly used for WPS salaries	Salary transfer may also be supported
Account number or IBAN	Not used like a standard account	Usually provided
Best support route	Ratibi or prepaid card support	FAB personal banking support

If your card was issued by another salary-card provider, the Ratibi enquiry page may not work. Check the logo and issuer name printed on your card before entering any details.

Why Is My Ratibi Salary Not Showing?

A zero or unchanged balance does not always mean the salary has been lost. The cause may be connected to payroll submission, WPS processing, employee records or the card itself.

Your Employer Has Not Submitted Payroll

The employer must prepare and submit the salary file before the card can receive money. Ask HR or payroll whether the salary file has been approved and sent.

A promised salary date is not the same as a completed transfer. Request the actual submission status rather than relying only on the scheduled payday.

The Salary File Is Still Processing

Payroll files may require validation before salaries appear on employee cards. Weekends, public holidays, rejected records and incorrect employee details can extend the processing time.

Check again later on the same day. Contact HR when other employees have received their salaries but your card remains unchanged.

Your Employee Details Do Not Match

An expired Emirates ID, incorrect labour information, outdated mobile number or incomplete KYC record can affect salary-card services. Your employer is normally the first point of contact for correcting employment-related card information.

Provide documents only through an authorised HR representative or official service channel. Do not send card photos, PINs or OTPs through informal messaging groups.

The Card Has Expired or Been Blocked

An expired, damaged or blocked card may prevent normal use even when the payroll record exists. Check the expiry date printed on the card and ask your employer whether a replacement has been requested.

A blocked card should not be tested repeatedly at shops or ATMs. Contact support to identify the reason and follow the proper replacement procedure.

A Transaction Is Still Pending

Some card purchases create a temporary authorisation hold. The amount may reduce the available balance before the transaction is completed or reversed.

Hotels, fuel stations and online merchants sometimes place temporary holds. Keep the receipt and allow the merchant’s processing period to pass before raising a dispute.

What to Do When Your Ratibi Salary Is Delayed

Start with your employer because the company controls payroll submission. Ratibi support can confirm card-related issues, but it cannot correct an employer’s missing or inaccurate salary file.

Follow these steps:

Check the card balance through the official enquiry portal.
Confirm that you are using the current card and correct Card ID.
Ask colleagues whether their salaries have been credited.
Contact HR or payroll and request the submission status.
Confirm that your employee details are correct.
Ask whether the salary file was rejected or returned.
Contact Ratibi customer support if payroll was successfully processed.
Keep screenshots, salary slips and relevant messages as evidence.

Do not wait indefinitely when wages remain unpaid. Employees should keep written records of salary dates and communication with the employer in case a formal labour complaint becomes necessary.

If you are unsure whether the problem is with the card or the salary payment itself, our salary check uae balance enquiry guide explains how to confirm salary credits across common UAE payroll and salary-card services.

Ratibi Balance Enquiry Not Working: Common Fixes

“Invalid Card Details” Error

Recheck the last four card digits and Card ID. Remove spaces and make sure you have not entered the CVV, employee number or Emirates ID by mistake.

A replacement card has different details from the old card. Use the numbers on the currently active card.

Captcha Keeps Failing

Refresh the captcha and enter the new code immediately. Similar-looking characters, such as zero and the letter O, are easy to confuse.

Try another browser or disable automatic page translation if the fields keep resetting.

The Page Does Not Load

Switch between mobile data and Wi-Fi, then reload the page. Browser cache, temporary maintenance or a weak connection may prevent the form from opening.

Use an ATM or Payit when the portal remains unavailable. Never search randomly and enter card information on the first unofficial balance-check page you find.

Payit Does Not Recognise the Card

Check that the card is eligible, active and registered with the correct UAE mobile number. Details entered in the app must match the cardholder’s records.

Your employer may need to update the mobile number or KYC information. Reinstalling the app will not fix incorrect payroll records.

ATM Shows “Transaction Declined”

A declined balance enquiry may indicate an incorrect PIN, blocked card, expired card or unsupported ATM. Do not continue guessing the PIN because repeated failures can lock the card.

If you regularly use ATMs for card or account enquiries, our atm balance check guide explains the general balance-enquiry process and important ATM safety steps for UAE users.

Ratibi Card Safety Rules

A legitimate Ratibi card salary check does not require you to disclose every security detail on the card. Treat unsolicited calls, messages and balance-check links as possible fraud attempts.

Protect your salary by following these rules:

Never share your ATM PIN
Never disclose an OTP to another person
Do not send photos of both sides of the card
Avoid saving card information on public devices
Check the website address before entering details
Do not use links received from unknown WhatsApp numbers
Log out of shared phones and computers
Report a lost or stolen card immediately
Review salary alerts and purchases regularly

FAB, Magnati, Payit or your employer should not ask you to reveal your PIN through a phone call, email or chat message. Anyone requesting it should be treated as suspicious.

Can Masarif or Another Website Check a Ratibi Balance?

Third-party informational websites cannot directly access your live Ratibi card balance. They may explain the procedure or direct you to the relevant service, but they should not collect confidential card information.

Only enter card details through an official card enquiry page, authorised application, ATM or verified support channel. A website that asks for your full card number, PIN and OTP merely to show a balance presents a serious security risk.

Ratibi Card Salary Check Checklist

Before starting the balance enquiry, make sure you have:

Your active Ratibi salary card
The last four digits of the card number
The Card ID printed on the card
A clear captcha code for online enquiry
Your PIN when using an ATM
Your registered UAE mobile number for Payit
Employer payroll details if salary is delayed

Use the online prepaid enquiry for a quick balance check. Contact HR first when the issue concerns a missing salary, and contact Ratibi support when the salary was processed but the card cannot access it.

Frequently Asked Questions

How can I perform a Ratibi card salary check online?

To complete a Ratibi card salary check online, open the official prepaid card enquiry service and enter the last four digits of your card, the Card ID printed on it and the captcha code. Submit the form to view the available balance without logging into a standard FAB bank account.

The prepaid-card enquiry system may also be relevant to other supported prepaid products. If you are checking a different card processed through this ecosystem, our magnati balance check guide explains the separate enquiry process.

Can I check my Ratibi card balance without an app?

Yes. A Ratibi card salary check can be completed without installing an app by using the browser-based prepaid card enquiry portal or an ATM. The online form generally requires the card’s last four digits and Card ID, while an ATM enquiry requires the physical card and PIN.

Is Ratibi available inside the FAB Mobile app?

A standalone Ratibi payroll card may not work like a regular current or savings account in FAB Mobile. For a reliable Ratibi card salary check, use the prepaid card enquiry service, link the card through Payit when eligible, or check the available balance at a compatible ATM.

Why is my Ratibi salary not showing after payday?

Your Ratibi card salary check may show no new credit when the employer has not submitted payroll, the WPS file is processing, employee information is incorrect or the card is blocked. Confirm the payroll submission with HR first, then contact Ratibi support if the payment was successfully processed.

What details are required for a Ratibi balance enquiry?

The online Ratibi card salary check normally requires the last four digits of the payment card, the separate Card ID printed on the card and the displayed captcha. It should not require your ATM PIN or an OTP simply to display the available prepaid card balance.

Can I check a Ratibi salary card at an ATM?

Yes. Insert the card into a compatible ATM, enter your PIN and select Balance Enquiry. This Ratibi card salary check method is useful when the online portal is unavailable. Review any fee notice before requesting a printed receipt or using an ATM operated by another bank.

Who should I contact about a delayed Ratibi salary?

Contact your employer’s HR or payroll department first because the company submits the salary file. After confirming successful processing, contact Ratibi card support if your Ratibi card salary check still shows no credit. Keep your salary slip and written payroll communication available for verification.

Is it safe to check my Ratibi balance on third-party websites?

No third-party guide can retrieve a live balance unless it redirects you to an authorised service. For a secure Ratibi card salary check, use the official prepaid enquiry page, Payit, an ATM or verified support. Never provide your PIN, OTP or complete card details to an unknown website.