A salary paid via a Ratibi prepaid card isn’t the same as a salary in a traditional bank account. A lot of workers are looking for a fast Ratibi card salary check to ensure their salary has arrived, to see their available balance, or to know the reason for not getting the payment. The good news is that FAB has a prepaid card enquiry service just for Ratibi cardholders. The official service isn’t connected to regular FAB online banking and requires the last four digits of the card, the card ID, and a CAPTCHA.
Ratibi Card Salary Check Online
The official online method is through the FAB prepaid card enquiry service (which is currently provided through Magnati). The live enquiry page is branded as the prepaid-card service of the First Abu Dhabi Bank, whereas existing cardholders are directed through FAB’s Ratibi page to FAB’s “Ratibi Prepaid Card Balance Enquiry” service.
To check the balance, you need the physical Ratibi card and the card ID associated with it.
Steps to Check Your Ratibi Balance
- Open the Official FAB Ratibi Prepaid Card page.
- For existing Ratibi cardholders, choose the balance enquiry option.
- Clicking this link will redirect you to the official Prepaid Cards Enquiry page.
- Please type in your card number ending with the last four digits.
- Enter your Card ID.
- Complete the CAPTCHA.
- Click Go to send the enquiry.
The current Magnati enquiry page specifically asks for the last four digits of the card, the card ID, and the CAPTCHA.
This is because some third-party sites have older instructions or conflicting instructions, such as a reference to the last two digits. The live official enquiry page currently states the last 4 digits, so cardholders should follow the last 4 digits.
What Is a Ratibi Card?
FAB’s prepaid payroll card offering for employees who take their salary paychecks from their employer but don’t have a traditional bank account is called Ratibi. According to FAB, the product is intended for employees who earn up to AED 5,000 monthly, and the salary can be deposited straight into the card.
Unlike a traditional debit card with a current account or savings account, Ratibi is a prepaid payroll solution. The employee may purchase and cash out using the card via supported ATMs without a regular account with FAB.
Additionally, FAB says there’s no minimum amount and no monthly fees for Ratibi cardholders. The bank notifies its customers regarding the salary credit to their card through SMS, thereby enabling them to ensure that a payroll payment has reached their card.
Ratibi Card and the UAE Wage Protection System
Ratibi is linked to the regulated salary-payment system in the UAE. According to FAB, the Ratibi payroll solution enables salary payments via the Wage Protection System (WPS) and is compliant with UAE WPS requirements.
The UAE WPS was introduced in 2009 to offer a safe solution for employers to pay wages and to track wage payments, according to the Central Bank of the UAE. The system shares wage data between employers via participating agents, without losing employee-level wage data.
WPS is also called an electronic wage-transfer system by the Ministry of Human Resources and Emiratisation to ensure workers get their registered salaries in time.
How to Know If Your Salary Has Been Credited
A balance inquiry tells you if a balance is available on the card. A salary-credit notification is of a slightly different nature. According to FAB, Ratibi card users get free SMS notifications as they get their salaries credited. So, if you receive a salary SMS, it means that the payment was made, and if you have to check the amount of your balance, you can use the online enquiry.
For instance, when you are paid at the end of each month, an SMS from FAB can verify that a credit has been made to your salary. For information on the amount of money that has been used on a prepaid card or the amount that is still on the card, do not use the prepaid-card enquiry service.
Also, make sure that your mobile number, which is linked with the card, is up-to-date. It does not mean that the salary was not paid if you do not receive an SMS that you were expecting.
What You Need for an Online Salary Balance Check
The official prepaid card enquiry page makes the information needed for an online enquiry relatively simple.
| Requirement | Why it is needed |
| Ratibi card | Identifies the prepaid card |
| Last four card digits | Used by the enquiry form to identify the card |
| Card ID | Additional card identification |
| CAPTCHA | Security verification |
| Internet connection | Required for the online inquiry |
The last four digits will be confirmed by the live FAB prepaid-card enquiry portal, which also confirms the Card ID field.
Never give another person your PIN, OTP, all the card information, or other private banking information because they say that they can help you check your balance.
Can You Check Ratibi Salary Through FAB Mobile?
Don’t assume that Ratibi is a regular FAB current account or savings account.
FAB offers various card and account services. The Ratibi product page even includes a link to an enquiry service for prepaid card balances for existing Ratibi holders; meanwhile, regular FAB banking customers have their own digital banking channels.
This difference accounts for the fact that a Ratibi cardholder might not be able to check the anticipated account balance of a Ratibi card using instructions written for a regular FAB bank account.
If regular FAB account and a Ratibi card, check each product through its respective channels.
Checking the Balance at an ATM
If you don’t want to access the online enquiry portal, an ATM may be of benefit.
As part of the product, FAB says Ratibi cards offer access to its ATM and cash-deposit-machine network 24 hours a day and work with ATM networks.
Place the card in an appropriate ATM and select the available options on the screen to inquire about your balance. Your card PIN might be required for ATM services.
The exact wording of the menu items may differ depending on the ATM, so use the instructions on the ATM rather than an old screenshot from the internet.
What If Your Salary Has Not Appeared?
If there is no salary balance, it doesn’t necessarily mean the Ratibi card is broken. There are various ways in which payments of salary may be made, including employer payroll processing, submission of the WPS, banking processes, and when the payment file is submitted.
According to the Central Bank, UAEWPS works on wage information and transfers via the participating agents, while FAB says that they have payroll infrastructure for employers to transfer the wages to the Ratibi card.
If there’s no expected salary, do the following checks:
- Verify the balance on the card with the official enquiry site.
- Find an SMS that lets you pay your salary.
- Please check with your HR/payroll team at work to ensure that the salary has been processed.
- Ask if the payment of salary was made via the appropriate payroll/WPS procedure.
- If your employer confirms that the payment was made, but you are not receiving the money back on your card, contact FAB Ratibi support.
This can help differentiate between an employer payroll problem and a card/balance inquiry problem.
When You Should Contact Your Employer
If the payroll system hasn’t been resolved and/or your employer hasn’t confirmed that the salary has been submitted, your employer is the first person to contact.
According to FAB’s Ratibi documentation, employers are responsible for the company’s account from which Ratibi cards are issued and serve as a point of contact between employees and the bank for the Ratibi program.
Please verify with payroll the payment date, amount, and whether the salary file was successfully submitted.
If the employer is able to confirm that the payment was made but your card balance has not been affected, then it will be helpful to contact FAB.
Ratibi Card Salary Check vs. Salary SMS
These two options are often confused, but they serve different purposes.
| Feature | Online inquiry | Salary SMS |
| Shows current balance | Yes, through the enquiry service. | No |
| Confirms salary credit | Can help verify available funds | Yes, when the credit alert is received |
| Requires internet | Yes. | No |
| Requires Card ID | Yes. | No |
| Available automatically | On-demand | Sent when salary is credited |
| Best use | Checking available card balance | Confirming a salary credit |
The free SMS alerts for salary credits are specifically mentioned by FAB, while its Ratibi page offers the prepaid-card balance enquiry option separately.
Therefore, an SMS is not a full-blown balance inquiry.
Is Ratibi the Same as a Normal Bank Account?
No. Ratibi is not just a current or bank savings account.
FAB says it is a salary payroll solution that lets employees who qualify get paid without a bank account. The card will be used for purchases and ATM withdrawals and will be topped up by payroll by the employer.
This distinction is significant when making a selection of a balance checking method. A person who maintains a normal FAB bank account can access FAB’s regular digital banking services, while a cardholder of the Ratibi can be directed by FAB to the prepaid-card enquiry service.
Ratibi Card Features Employees Should Know
This balance enquiry is just one of the Ratibi services. FAB mentions a number of features around wage payments for workers without a regular bank account.
No Conventional Bank Account Required
The staff can be paid their wages onto the Ratibi card without having opened a regular bank account. FAB is a card specifically marketed for eligible employees who earn up to AED 5,000.
ATM and Retail Payments
The card can be used to pay at shops and withdraw from ATMs. FAB also claims that Ratibi cards are accepted on Visa/Mastercard networks around the world, depending on the terms of the card.
Salary Credit Notifications
FAB sends SMS notifications for salary deposits for FREE. This allows cardholders to easily determine if a payroll credit has been posted without having to check the card many times.
No Monthly Cardholder Charge
According to FAB, there is no minimum balance or monthly fee for Ratibi cards.
Ratibi Card Support in the UAE
FAB has a Ratibi contact number to assist you if your enquiry is done online but it is not working, or if you need help with your Ratibi card.
FAB’s latest contact page provides a telephone number of 600 52 2298 for callers in the UAE to contact Ratibi and +971 2 4996279 for calls from abroad.
Do not leave your card details on the table, but when contacting the bank, ensure that you have them ready to hand, and only provide your PIN or OTP if it is part of an official FAB process.
When it comes to salary-processing concerns, it may also be beneficial to discuss with HR or the salary team in your company, as the employer will handle the salary submission process.
Common Problems With Ratibi Balance Inquiry
The Inquiry Page Is Not Opening
The first thing you need to be sure of is that you are using a link that leads to FAB’s official Ratibi page or the official Magnati prepaid card enquiry page. The enquiry page is currently located at ppc.magnati.com and claims to be First Abu Dhabi Bank’s prepaid card service.
Don’t type in card details into a different site only because it’s listed in the search results.
Card ID Is Not Accepted
Please read the Card ID carefully and input the information as described on your Ratibi card. Check that you’ve entered the last 4 digits of the card number, which is given on the current official enquiry page.
If the details are correct and the service still does not work, then contact FAB Ratibi support.
Salary Was Supposed to Arrive, but Balance Is Unchanged
Following up on the inquiry and following up with your employer’s payroll department to see if the salary was paid. A delay can happen between when a payment is made and when it appears on the card because WPS involves the payment information going from the employer to the participating payment agents.
Please supply this information when contacting FAB if payroll verifies successful processing.
Conclusion
The easiest method to check the balance of your Ratibi card is to use the official balance inquiry on the internet. For existing users, FAB sends them to its own prepaid-card enquiry service, where the current form asks for the last 4 digits of the card, Card I, D, and CAPTCHA.
When awaiting a monthly salary, the free salary-credit SMS can serve as another confirmation upon receiving the payment to the card. When neither the balance nor an expected salary is indicated, please consult your employer’s payroll staff first and contact FAB Ratibi support if needed.
Read Also: FAB Balance Check: How to Check Your FAB Account, Card or Ratibi Balance
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Frequently Asked Questions
How can I check my Ratibi card salary online?
Ensure that the Ratibi balance enquiry service is used by FAB. Please enter the last four digits of your card, Card I, D and CAPTCHA to check your card balance.
Can I check my Ratibi balance without a bank account?
Yes. If you are eligible, Ratibi enables you to get your salary disbursed without a regular bank account.
Does FAB send an SMS when salary is credited?
Yes. FAB sends SMS alerts about salary credits to the Ratibi card, free of charge.
What information is required for the Ratibi online enquiry?
The last four digits of the card, the card ID, and the CAPTCHA are required.
What should I do if my Ratibi salary has not arrived?
Always check your balance first. If the payroll team at your employer is not able to find it, FAB support can help.
What is the Ratibi salary limit?
According to FAB, Ratibi can be used by employees with an income of up to AED 5,000.
Is Ratibi part of the UAE WPS?
Yes. Ratibi facilitates salary payments via the UAE Wage Protection System (WPS).
Why does the FAB Ratibi balance link open a Magnati page?
FAB’s official Ratibi page leads to a prepaid-card enquiry service provided by Magnati, which is used for checking the balance.
