Ratibi Card Salary Check 2025: Full Guide

Hello Readers, If you’re an employee in the UAE using a Ratibi Card, checking your salary balance is a key part of managing your finances. The Ratibi Card, issued by First Abu Dhabi Bank (FAB), is a prepaid payroll card designed to make salary payments easy, especially for workers without traditional bank accounts. In 2025, checking your Ratibi Card balance is simpler than ever, with multiple online and offline methods available. In this guide, I’ll walk you through everything you need to know about the Ratibi Card salary check process, its benefits, and tips to use it effectively. Let’s get started!

Table of Contents

What Is a Ratibi Card?

The Ratibi Card is a prepaid payroll card offered by FAB to help employers pay salaries electronically, particularly for employees earning up to AED 5,000 per month. It’s a fantastic solution for workers who don’t have a bank account, allowing them to receive salaries, withdraw cash, make online purchases, and pay bills. The card is part of the UAE’s Wage Protection System (WPS), ensuring secure and timely salary payments.

Key Features of the Ratibi Card

No Bank Account Needed: Salaries are deposited directly onto the card.
Wide Usability: Use it at ATMs, online stores, or for bill payments.
No Minimum Balance: You don’t need to maintain a specific balance.
Secure Transactions: Protected by a PIN and FAB’s security measures.

Why Check Your Ratibi Card Balance Regularly?

Keeping track of your Ratibi Card balance helps you plan your expenses, confirm salary deposits, and avoid overspending. Whether you’re checking for a recent salary credit or monitoring your spending, FAB offers several ways to access your balance in 2025. Below, I’ll explain the most reliable online and offline methods to check your Ratibi Card salary.

Online Methods to Check Your Ratibi Card Balance

Technology has made it incredibly easy to check your Ratibi Card balance from anywhere. Here are the top online methods for 2025:

1. FAB PPC Inquiry Portal

The Paypack (PPC) Inquiry Portal is the go-to online method for checking your Ratibi Card balance. It’s quick, secure, and doesn’t require a login. Here’s how to do it:

Visit the Portal: Go to the official FAB PPC Inquiry page at ppc.magnati.com/ppc-inquiry using a computer or smartphone.
Enter Card Details: Input the last two digits of your 16-digit Ratibi Card number (found on the front of your card) in the first box. Then, enter your 13-digit Card ID (located below the card number) in the second box.
Click Go: Press the “Go” button after double-checking your details.
View Your Balance: Your current balance and recent transactions will appear on the screen.

Why Use the PPC Portal?
It’s fast, requires no registration, and works on any device with internet access.

2. FAB Mobile Banking App

The FAB Mobile Banking app is another convenient way to check your Ratibi Card balance. Follow these steps:

Download the App: Search for “FAB Mobile Banking” on Google Play or the Apple App Store and install it.
Register or Log In: Use your Ratibi Card details to register or log in with your existing FAB credentials.
Check Your Balance: Navigate to the “Prepaid Card” section to view your Ratibi Card balance and transaction history.

Pro Tip: Enable push notifications in the app to get alerts for salary deposits or low balances.

3. SMS Banking

If you’ve registered your mobile number with your Ratibi Card, you can receive balance updates via SMS:

Register for SMS Alerts: Contact FAB customer service or visit a branch to link your mobile number to your card.
Receive Updates: You’ll automatically get an SMS when your salary is deposited or after certain transactions.
Manual SMS Check: Send a pre-formatted SMS to FAB’s designated number (check with FAB for the exact format) to request your balance.

Why Choose SMS?
It’s perfect for quick checks without needing internet access.

Offline Methods to Check Your Ratibi Card Balance

If you don’t have internet access or prefer traditional methods, FAB offers reliable offline options to check your Ratibi Card balance.

1. FAB ATM Balance Inquiry

Checking your balance at an FAB ATM is straightforward and doesn’t require a PIN for balance inquiries. Here’s how:

Find an ATM: Use FAB’s ATM locator on their website or app to find the nearest FAB ATM.
Insert Your Card: Place your Ratibi Card into the ATM.
Select Balance Inquiry: Choose the “Balance Inquiry” option from the menu.
View Your Balance: Your balance will display on the screen, and you can choose to print a receipt.

Why Use ATMs?
ATMs are widely available across the UAE, and this method works without internet.

2. FAB Customer Support Helpline

You can call FAB’s customer service to check your balance over the phone:

Dial the Helpline: Contact FAB’s customer care number (available on their official website).
Verify Your Identity: Provide your Ratibi Card number and answer security questions for verification.
Get Your Balance: The representative or automated system will provide your balance.

When to Use Phone Banking?
It’s ideal for areas with poor internet or if you need additional assistance.

3. Visit an FAB Branch

For a face-to-face experience, visit an FAB branch:

Locate a Branch: Find the nearest FAB branch using their website.
Bring Identification: Carry your Emirates ID or passport and your Ratibi Card.
Request a Balance Check: A bank representative will provide your balance and answer any questions.

Why Visit a Branch?
This is great for resolving complex issues or activating your card.

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Comparison of Ratibi Card Balance Check Methods

To help you decide which method suits you best, here’s a table comparing the online and offline options:

Method	Accessibility	Internet Required	Speed	Best For
PPC Inquiry Portal	Computer/Smartphone	Yes	Very Fast	Quick online checks
FAB Mobile App	iOS/Android devices	Yes	Fast	Tech-savvy users, transaction history
SMS Banking	Any phone	No	Moderate	No internet, automatic updates
ATM Balance Inquiry	FAB ATMs	No	Fast	Nearby ATM users, no internet
Customer Support Helpline	Any phone	No	Moderate	Direct support, no internet
Branch Visit	FAB branches	No	Moderate	Complex queries, personal assistance

Benefits of Using a Ratibi Card

The Ratibi Card offers more than just easy salary access. Here are some key advantages:

Convenience: Withdraw cash from any ATM or shop online without a bank account.
Cost-Effective: No minimum balance fees or high maintenance costs.
Secure: Protected by a PIN and FAB’s robust security systems.
WPS Compliance: Ensures timely salary payments as per UAE regulations.
Flexibility: Use it for bill payments, remittances, or in-store purchases.

How to Activate Your Ratibi Card

Before checking your balance, ensure your Ratibi Card is activated:

Visit FAB’s Website or Branch: Log in to the FAB website or visit a branch to activate your card.
Provide Details: Enter your card number, ID, and other required information.
Set a PIN: Choose a secure PIN for ATM and online transactions.
Confirm Activation: You’ll receive confirmation via SMS or email.

Tips for Managing Your Ratibi Card

Keep Card Details Safe: Never share your PIN or card number with anyone.
Check Regularly: Monitor your balance to avoid overspending or missing salary deposits.
Report Issues Promptly: If your card is lost or stolen, contact FAB immediately to block it.
Update Contact Info: Ensure your mobile number is registered for SMS alerts.
Use Official Channels: Only use FAB’s website, app, or verified numbers to avoid scams.

Common Issues and Solutions

Incorrect Card Details: Double-check your card number and ID when using the PPC portal.
No SMS Updates: Ensure your mobile number is registered with FAB.
Card Not Activated: Visit a branch or contact customer service to activate your card.
ATM Issues: If an ATM doesn’t display your balance, try another FAB ATM or call customer support.

Final Thoughts

The Ratibi Card makes salary management easy and accessible for UAE workers, especially those without bank accounts. With options like the PPC Inquiry Portal, FAB Mobile App, SMS, ATMs, phone banking, and branch visits, checking your balance in 2025 is a breeze. Choose the method that fits your lifestyle and stay on top of your finances with confidence.

For more information or assistance, visit www.bankfab.com or contact FAB’s customer service. Keep your Ratibi Card secure, check your balance regularly, and enjoy the convenience it brings to your financial life!