If you’re an employee in the UAE earning up to AED 5,000 per month, the FAB Ratibi Card offers a convenient way to receive your salary without needing a traditional bank account. Designed by First Abu Dhabi Bank (FAB) to simplify payroll processes, the Ratibi Card allows users to withdraw cash, make purchases, and manage finances efficiently. Here’s a step-by-step guide on how to check your Ratibi Card balance and stay in control of your finances.
What is the FAB Ratibi Card?
The Ratibi Card is a payroll card used for salary payments, aimed at employees who do not earn more than AED 5,000 monthly. This card is compliant with the UAE’s Wage Protection System (WPS) and provides a practical solution for workers who do not have bank accounts. The card offers several benefits:
- No bank account needed: Salaries are directly credited to the card.
- Zero balance requirement: There are no minimum balance or maintenance fees.
- Worldwide access: Compatible with VISA/MasterCard networks for in-store and online payments.
- Free SMS alerts: Notifies you every time your salary is credited.
- 24/7 ATM and CDM access: Withdraw and deposit funds anytime from a wide network of ATMs .
Methods to Check Your FAB Ratibi Card Balance
There are several ways you can check your FAB Ratibi Card balance:
1. Online Balance Inquiry
The simplest way to check your Ratibi Card balance is through the official FAB online inquiry portal:
- Step 1: Visit https://ppc.magnati.com/ppc-inquiry/.
- Step 2: Enter the last two digits of your card number and your Card ID, which can be found on the lower left corner of the card.
- Step 3: Click “Go” to view your current balance .
2. Using the FAB Mobile Banking App
You can also check your balance through the FAB mobile app, which provides real-time updates on your account:
- Step 1: Download the FAB mobile banking app from your device’s app store.
- Step 2: Link your Ratibi Card to the app by entering your card details.
- Step 3: Navigate to the “Check Balance” option on the dashboard to view your balance instantly .
3. ATM Balance Check
Another convenient option is to check your balance at any ATM:
- Step 1: Insert your Ratibi Card into a FAB ATM or any other UAE ATM supporting VISA/MasterCard.
- Step 2: Select the “Balance Inquiry” option and follow the on-screen instructions.
Common Issues and Troubleshooting
- Incorrect Card Details: Make sure you enter the correct last two digits and Card ID for a successful inquiry.
- Website Loading Problems: If the online portal isn’t working, try using a different browser or clear your cache.
- Expired Card: If your card has expired, contact FAB customer service for assistance in renewing it .
Tips for Managing Your FAB Ratibi Card
- Enable SMS Alerts: Stay updated with free SMS notifications each time your salary is credited.
- Monitor Your Spending: Regularly check your balance and transaction history through the FAB mobile app.
- Plan Ahead for Withdrawals: Make sure you have enough funds before using your card for payments or ATM withdrawals.
FAQs
Q1: Can I use the Ratibi Card for international transactions?
Yes, the card can be used for international payments wherever VISA or MasterCard is accepted.
Q2: Are there any fees for checking my balance online?
No, checking your balance via the FAB website or mobile app is free of charge.
Q3: What should I do if I lose my Ratibi Card?
Contact FAB customer service immediately to block the card and request a replacement.
The FAB Ratibi Card provides a hassle-free way to manage your salary, especially for low-income workers in the UAE. By following the steps outlined above, you can easily keep track of your balance and ensure smooth financial management. For more information, visit the First Abu Dhabi Bank website at https://www.bankfab.com.