FAB Salary Card Balance Check is used to easily check the remaining balance of your FAB Ratibi salary card. FAB offers an official prepaid card enquiry service for those who are eligible to check their balance on their prepaid card with their card information. Ratibi is a prepaid payroll card for paying employees without a traditional bank account. Depending on your card and service, you can also use supported FAB channels, like ATMs. When it comes to checking your salary balance, you won’t need to mix up a Ratibi card with your regular FAB bank account if you know the correct way to do it. 

How to Check FAB Salary Card Balance Online

The easiest way to find out the balance on a Ratibi or eligible FAB prepaid salary card is through the Prepaid Card Inquiry service.

Existing cardholders on FAB’s Ratibi page will be directed to a dedicated service to check Ratibi Prepaid Card Balance. The live enquiry page is hosted on FAB’s prepaid-card platform, where they request the last four digits of the card number, the Card ID, and a CAPTCHA. 

The official service can be viewed here:

FAB Ratibi Prepaid Card page

Official Prepaid Card Inquiry

Steps for an Online FAB Salary Card Balance Check

1. Enter the official Prepaid Card Inquiry webpage.
2. Type in the last four digits of your card number.
3. Enter your card ID.
4. Fill in the CAPTCHA on the page.
5. Click on the enquiry to see the card’s information.

The input fields are directly confirmed on the official enquiry page.

Please do not provide your card details on any site that is not the official FAB/Magnati site. No third-party site can get the actual card balance just because you enter the card details on that site.

What Is the Card ID?

The Card ID is NOT the complete 16-digit card number. The official prepaid-card enquiry page expressly asks for a Card ID and the last four digits of the prepaid card number.

If you don’t know, don’t guess or enter any information for the Card ID. To get help, reach out to FAB via its official Ratibi support channel.

Can You Check a Ratibi Balance Through FAB Mobile?

This is where it gets confusing for those using salary cards.

FAB Mobile is available to view the FAB balance and transaction history – for accounts and cards linked to the corresponding banking relationship. FAB’s current service-status page shows that viewing your account balance and viewing your transaction history are available in FAB Mobile. 

But FAB markets Ratibi as a payroll card that allows the user to check his balance separately. On its product page, its Ratibi customers are guided to its dedicated balance-enquiry option. 

Thus, you should not assume that all Ratibi cards are going to be displayed in FAB Mobile just as they would be displayed in a regular FAB current or savings account.

For those who have a regular FAB bank account, FAB Mobile is a suitable balance check channel. When checking the balance on your Ratibi prepaid salary card, always check using the prepaid-card enquiry service.

FAB Salary Card Balance Check Through an ATM

The purpose of this card, according to Ratibi, is to be used at ATMs, and FAB says that cardholders can use ATM and cash-deposit-machine networks. According to the bank, Ratibi is also accepted at ATMs, stores, and online, including on Visa/Mastercard networks all over the world.

Therefore, if you are unable to access the online enquiry page, you can use an ATM as an alternative solution.

Slide the Ratibi card into a compatible ATM and use the on-screen instructions to perform the card services or balance enquiry options. Your card PIN will normally be required.

The exact text and format of the menu may differ depending on the ATM machine network; it is advisable to check the text on the ATM machine itself instead of on an old screenshot or third-party article.

FAB also claims that Ratibi customers can use their own PIN codes at FAB ATMs. 

How to Check Whether Your Salary Has Been Credited

A ‘balance enquiry’ will inform you of the amount of money on the card. It is not required to provide answers to all questions regarding your employer’s payroll submission.

According to FAB, Ratibi sends out alerts via SMS on each salary credit. The bank also says it offers “automated salary processing” and “immediate salary crediting. 

When you are waiting for your salary, see the following:

• The current card balance (if any) available for that card.
• All SMS received on your registered mobile number which are bearing any salary credit.
• Whether the salary has been passed through your employer’s payroll/WPS system or not.
• If there is a lag in processing payroll and when the cheques arrive.

If your salary was reported by your employer, but nothing appears on your card balance, you can reach out to FAB’s Ratibi customer service team to find out if the problem is with the card or the payroll transaction.

FAB Ratibi Customer Care Number

For the UAE, FAB has a dedicated contact number for its customers: 600 522 298. For overseas callers, FAB provides +971 2 499 6279 for Ratibi. 

If you don’t have access to the online balance enquiry service, have a problem with your card, or need help determining which balance-check method to use, these numbers are helpful.

FAB Contact & Support

FAB also has an official contact page with details about its different banking branches and ATMs, and has separated the Ratibi support page from its banking page. 

FAB Salary Card vs Regular FAB Account

The term ‘FAB Salary Card’ is used with regard to a variety of banking methods; it’s important to identify the product first.

A Ratibi card is a prepaid payroll card. FAB claims that workers would be able to get paid on the card without owning a bank account. 

There is a difference in how a regular FAB current or savings account is used. The account offers banking services and can be accessed via FAB Mobile, where FAB says users can check balances, transfer funds, and manage their banking needs. 

This distinction will help you avoid a common pitfall: using your prepaid payroll card as if it were a bank account.

Why Your FAB Salary Card Balance May Not Match Your Expected Salary

If the salary shown is not what you are expecting, there are a number of possibilities that could account for the discrepancy. Rather than assuming that a bank error, you should check the transaction.

As a first step, you need to determine if your employer paid the entire salary. The payroll submission is handled by your employer, and the card shows the amount of money credited to your account.

Secondly, review your recent transactions and available balance. When salary is credited, a purchase, cash withdrawal, or other card transaction may impact the available balance.

Third, determine if you have received the salary-credit SMS. FAB also mentions free SMS notification of salary credits as one of the Ratibi features. 

Contact FAB Ratibi support in case the employer confirms the right amount was paid, and you still can’t match the numbers; otherwise, repeatedly trying transactions will not help.

What to Do If the FAB Prepaid Balance Enquiry Is Not Working

There may be simple reasons why an online balance enquiry fails, like the card details being entered incorrectly, the Card ID being incorrect, or the website having a problem.

First, check that you entered the last 4 digits of the card number instead of the full card number. The official enquiry page expects the last 4 digits and the Card ID.

If the information is correct, but the enquiry still fails, do the following:

1. Open the official enquiry page once again and enter the details into it.
2. Verify the CAPTCHA is correct.
3. Use a different browser or use a different internet connection.
4. Alternatively, use an appropriate ATM.
5. If the problem persists, please reach out to FAB’s Ratibi support team.

Do not give your PIN, OTP, or other confidential authentication information to someone claiming to provide a balance-check service.

Is the FAB Salary Card the Same as a Bank Account?

No. The distinction matters.

According to FAB, Ratibi is a payroll prepaid card that lets eligible employees get paid without a bank account. 

A traditional FAB account offers more bank services. FAB’s account pages include information about services like account management, transfers, and checking balances through FAB Mobile. 

That’s why a Ratibi holder shouldn’t assume that they’ll have the same online banking experience as their friend with a FAB current or savings account.

Does Ratibi Require a Minimum Balance?

FAB states that Ratibi cardholders do not have a minimum balance requirement or monthly charges for the card. 

This does not imply that all transactions or foreign ATM services will have the same transaction fee. Transaction fees, if applicable, would be dependent on the service used and the applicable terms.

When considering current charges, (always) look at FAB’s most recent official information and not an old salary card article.

Is Ratibi Part of the UAE WPS?

Yes. According to FAB, Ratibi fully adheres to the guidelines set by the Wages Protection System (WPS) by the UAE Government. 

The relevance to the WPS framework is due to the fact that regulated payroll processes are used by employers to transfer employee earnings. Ratibi offers a card-based system in which qualified employees receive and spend their salaries without having to open a traditional bank account.

FAB also emphasizes that the point of contact between an employee and the bank for arrangements made for payments made in accordance with Ratibi is the employer. 

The payroll department of your employer may then need to confirm the original salary submission if your question is about the missing salary payment, instead of just confirming the balance.

Important Security Tips for FAB Salary Card Users

The only reason to perform a balance check is to make sure that your card is safe and secure, so never give up control of your card or authentication details.

Only use official FAB or FAB-affiliated services for balance checks. The FAB itself cautions its customers about fake investment opportunities and also advises verification of information via official communication channels. 

Follow these precautions:

• Do not give your PIN or OTP to anyone.
• Never provide card details on a new website or URL for balance checking.
• Online prepaid card enquiries should be made using the official FAB/Magnati enquiry page.
• Look at SMS notifications for salary credits and card transactions.
• Call FAB directly if you can’t find your card or it has an incorrect transaction on it, or it has been left in an ATM.

FAB says that if a Ratibi card is stolen from an ATM, then the bank will shred the card and the employer will have to request a new card.

Conclusion

The main thing that most individuals looking to check their FAB salary card balance are interested in is whether it is a FAB prepaid payroll card or a standard FAB banking product.

Regular FAB account holders can access their account balances and transaction history through FAB Mobile, and Ratibi’s have a dedicated prepaid-card enquiry service with FAB.

In the UAE, if the online enquiry proves to be inoperative, FAB’s official support number is 600 522 298. Also, by using the official channels set up by FAB, you will not be putting your card information into the hands of an untrustworthy third party. 

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Frequently Asked Questions

How can I check my FAB salary card balance online?

Contact the official Ratibi Prepaid Card Balance Enquiry Service. Fill in the card’s last 4 digits, Card ID, and CAPTCHA.

What is the official FAB Ratibi balance-check website?

FAB connects Ratibi users to FAB/Magnati’s official Prepaid Card Balance Enquiry service.

Can I check my Ratibi balance without a bank account?

Yes. Ratibi is a prepaid payroll card that lets eligible workers get paid provided they don’t have a bank account.

Can I check my FAB salary card balance through the FAB Mobile app?

Use the prepaid-card enquiry service for Ratibi cards. FAB Mobile’s primary services are balance and transaction for qualified FAB banking accounts and associated cards.

What information do I need for the online Ratibi balance check?

The last four digits of your card number, Card ID, and CAPTCHA are required.

What is the FAB Ratibi customer care number?

Call 600 522 298 in the UAE. For international support, FAB lists +971 2 499 6279.

How do I know whether my salary has been credited to my Ratibi card?

Look at the balance on your card and the salary-credit SMS. According to FAB, Ratibi notifies you by SMS when your salary is credited.

Why is my FAB salary card balance lower than my salary?

You might have purchased a different amount or made a withdrawal, or your employer might have credited the wrong amount. Review your pay cheques and verify the amount of your salary with your employer.

Does Ratibi have a minimum balance requirement?

According to No. FAB, Ratibi does not have a minimum balance requirement and doesn’t charge monthly card fees.

Can I use my Ratibi card at an ATM?

Yes. FAB says that Ratibi cards can be used at ATMs, including for cash withdrawals.

What should I do if my Ratibi card is retained by an ATM?

Please communicate with FAB Ratibi support and your employer. If the ATM keeps the card, the employer should request a replacement card from FAB; the employer will receive a new card.

Is Ratibi a normal FAB bank account?

No. Ratibi is a payroll card that can be loaded with prepaid funds, and FAB current and savings accounts are regular bank accounts.