How to Instantly Do a Ratibi Card Salary Check Online in 2025

The prepaid payroll card of First Abu Dhabi Bank (FAB) along with its collaborators Magnati and Payit, is specially crafted to smoothen salary disbursement for employees earning up to AED 5,000 a month. The card enables bypassing bank registration and opening an account. For domestic workers, laborers, or employees in small businesses, the Ratibi Card provides a safe, easy, and low-cost method to receive and control payment receipts.

In UAE’s WPS(Wage Protection System), requiring strict adherence to deadlines and offering transparent payment processes, the compliance alongside empowering employees with control over their funds is facilitated through the Ratibi Card Salary Check. If you’re on boarding and have never used Ratibi pay before, this article should be your starting point as we take you through every detail from checking your salary balance all the way down to reaping its benefits and applying.

If you’re still getting accustomed to residing in the United Arab Emirates for quite like you are a seasoned resident aiming toward streamlining finances , this will guide you on how to check Ratibi Card balances , fix recurring problems that are faced, and make best out of this advanced payroll system without any hassle guidance. For now fasten your seatbelts as begin our journey exploring efy Business functions such as financial management made simpler tool everyone can use without restrictions regardless if they are in work positions or higher level posts.

The Ratibi Card is a prepaid payroll card issued by First Abu Dhabi Bank (FAB) to enable effortless salary payments for employees earning AED 5,000 or less per month. Unlike traditional banking systems, the Ratibi Card doesn’t necessitate a bank account, making it an ideal solution for workers who lack access to modern banking facilities.

In compliance with the UAE’s Wage Protection System (WPS), the card permits employers to credit wages in real-time and enables employees to withdraw cash from ATMs, use prepaid cards, shop at POS terminals or online at any global merchant accepting Visa or MasterCard. The Ratibi card’s free SMS alerts, personalized PINs as well as its sophisticated security make it cost effective and financially empowering for low-income workers across the UAE.

• Employees earning AED 5,000 or less per month.
• Workers who do not have a personal bank account.
• Employees of companies registered with FAB for payroll services.

Feature	Ratibi Card	Traditional Bank Account
Account Requirement	No bank account needed	Bank account required
Salary Payment	Preloaded onto the card	Deposited into an account
ATM Withdrawals	Yes	Yes
Online Banking	Limited	Full access
Transaction History	Limited	Full records available

Keeping track of your Ratibi Card balance is crucial for effective financial management. Fortunately, there are multiple convenient methods to check your salary and transaction history, ensuring you stay informed about your funds. Below are the three primary ways to perform a Ratibi Card salary check in 2025.

01. Online Ratibi Card Salary Check:

Accessing balance information through ‘FAB Prepaid Card Inquiry Portal’ is the easiest way to check your Ratibi Card. There are no sign-up or login requirements, which makes it simple and fast.

• Visit the FAB Portal: Open your browser and navigate to the official FAB Prepaid Card Inquiry page.
• Enter Card Details: On the portal’s homepage, type in the last two digits of your 16-digit Ratibi Card number in the first field. In the second field, enter your 13-digit Card ID which is located on the bottom left of your card.
• Click “Go”: After filling out both fields, click “Go” and you will see a summary of your earnings with an up-to-date transaction history.

02. Using the Payit Mobile App

The Payit app presents a convenient and modern way of managing your Ratibi Card. With the app, you can track balances, pay bills, and make international payments as well as remittances. Here is how to check your balance using the app:

• Download the App: The Payit App is available for download on either the Google Play Store or Apple App Store.
• Register or Log In: If you have not created an account yet, use your Ratibi Card number, Emirates ID, and other personal details to create one; otherwise log in.
• Link Your Card: Go through the instructions provided and link your Ratibi Card to the app.
• Check Balance: Tap ‘Balance’ or ‘Salary’ on the dashboard and then view your current balance alongside past transactions.

03. Rabiti ATM Balance Inquiry

If you’re a hands-on person who prefers physical interaction with machines, then checking your Ratibi card balance at an ATM is straightforward and prevalent throughout the UAE. Follow these steps:

• Locate an FAB ATM: Search for any First Abu Dhabi Bank ATMs or any ATMs that operate under Visa/MasterCard networks.
• Insert Your Card: Place your Ratibi Card into the machine then enter your customized PIN.
• Select Balance Inquiry: From the menu displayed select “Balance Inquiry” so that it can be shown on screen.

Applying for a Ratibi Card is a straightforward process, primarily handled by the employer. Here’s a step-by-step guide to getting started:

1. Employer Registration: The employer must register their company with FAB’s Ratibi Card program by opening a corporate account and enrolling in the Wage Protection System (WPS).
2. Submit Employee Details: The employer completes the Ratibi Application Form and an Excel sheet with employee details, including Emirates ID numbers and KYC documentation.
3. Submit Application: The employer submits the forms to the nearest FAB branch or through FAB’s iBanking portal for online card management.
4. Card Issuance: Once approved, FAB issues Ratibi Cards to employees, which are distributed through the employer or directly from FAB.
5. Card Activation: Employees receive their cards with activation instructions. Activation can be done via the Payit app, by calling FAB’s customer service (600522298), or through the FAB online portal by entering card details and verifying identity.

The Ratibi Card is a prepaid debit card created to aid the wage disbursement process for employers and employees. Deposits are made against the cards through FAB’s corporate accounts, thus ensuring adherence to WPS regulations. Employees can use the card to:

• Withdraw Cash: Access funds at any ATM within Visa/MasterCard networks globally.
• Make Purchases: Shop at retail stores or online wherever Visa or MasterCard is accepted.
• Pay Bills: Utility bills, mobile phone recharges, and international remittances can be done using Payit app.
• Track Transactions: SMS notifications on transaction alerts, salary credits, and balance checks read via the FAB portal, Payit app, or ATMs are available at no charge.

The card promotes financial inclusion by eliminating cash handling and traditional bank accounts which greatly benefits low-income earners. Integrated with an e-wallet known as ‘Payit’, employees can now enjoy enhanced functionalities of easily managing their digital finances.

The Ratibi Card’s features best suit both employees and employers based in the UAE:

• No Bank Account Required – Financial Inclusion. While promoting financial inclusion, employees can receive their salaries without needing a traditional bank account.
• Global Acceptance – Global Coverage. The card can be utilized at millions of ATMs, POS terminals, and online merchants all over the globe.
• Free Accident Insurance – Complimentary insurance coverage for card holders entail death or permanent disability through an accident plus daily hospitalization benefits of AED 50 for up to 30 days (maxed out at AED 1,500). In total this equals to 5 times their monthly salary (capped at 25k).
• Cost-Effective – Employees do not pay any monthly fees or have to maintain a minimum balance which drastically reduces banking costs.
• Free SMS Notifications – Instant alerts are sent for salary credits and other transactions.
• Salary Advance Feature – Enables access up to 50% of their salary in advance through Payit app allowing urgent financial accessibility flexibility for users who need it most.
• WPS Compliance – Helps ensure employers comply with labor laws within the UAE lessening administrative burdens.
• Secure Transactions – Your money is safe using personalized PINs and it being protected on encrypted platforms online.

Upper-lower earners, workers from other countries residing in the UAE or people not having conventional banking experiences will greatly benefit from tracked expense management using Ratibi Cards.

Encountering issues while checking your Ratibi Card balance online or via the app is not uncommon. Below is a table outlining five common login problems and their solutions:

Issue	Possible Cause	Solution
Invalid Card Key or Card Number Error	Incorrect entry of card number or Card ID.	Double-check the last two digits of your 16-digit card number and the 13-digit Card ID. Re-enter the details carefully. If the issue persists, contact FAB customer support at 600522298.
Unable to Log In to Payit App	Incorrect credentials or unregistered account.	Ensure you’ve registered with the correct card number, Emirates ID, and phone number. Reset your password via the app’s “Forgot Password” option if needed.
No SMS Notifications	Incorrect or unregistered mobile number.	Verify your registered mobile number with FAB. Update it through the FAB portal or by contacting customer support.
ATM Balance Inquiry Fails	Inactive card or incorrect PIN.	Confirm your card is activated. Reset your PIN at an FAB ATM or contact customer support for assistance.
Portal or App Downtime	Technical issues with FAB’s systems.	Wait a few minutes and try again. If the issue persists, contact FAB’s 24/7 helpline at 600522298 or check their official website for service updates.

Tip: Always use secure devices and avoid public Wi-Fi for financial transactions to prevent security risks.

The Ratibi Card addresses the specific needs of low-wage earners in the UAE, providing a streamlined payroll oplossing. Checking balances online, through the Payit app, or at ATMs are all valid options. Users also benefit from not needing an associated bank account—making it accessible for everyone—global acceptance, complimentary accident insurance, and compliance with WPS regulations. From an employee’s perspective, these features make the card invaluable while offering employers effortless payroll management. The Ratibi Card provides peace of mind alongside unparalleled flexibility on controlling finances or streamlining payroll.

For optimal use of the card benefits, monitor balances closely, keep documents like KYC current, and transact securely. Adopting the Ratibi Cards System allows employers to take advantage of reduced administrative burdens alongside compliant fulfillment of labor regulations set by the UAE government. Stay secure while taking control over managing your financial future in 2025 using this smart card solution that strengthens fiscal responsibility and boosts smart spending.