Introduction
The United Arab Emirates (UAE) financial system has been designed to cater to people from all kinds of backgrounds, as well as low-income workers. One of the most successful strategies for distributing payroll includes one of them being the Ratibi Bank Card. The card for salary disbursement was created in the year 2000 by First Abu Dhabi Bank (FAB) and is extensively used by businesses for paying wages to employees earning less than AED 5k per month and who may not have bank accounts in the traditional sense.
The Ratibi card is a safe and efficient means for employers can pay their wages and allows workers to get their pay without a problem ratibi balance check. We’ll discuss the process of applying for the Ratibi Bank card from the UAE and its advantages and requirements, as well as how to activate it and utilize it effectively.
What is a Ratibi Card?
Ratibi Card is a prepaid payroll card that is issued by First Abu Dhabi Bank (FAB) as well as other banks within the UAE. This card forms part of a system that was designed to work in conjunction to the Wages Protection System (WPS), which is governed by the Central Bank of the UAE.
In contrast to regular bank accounts, the Ratibi card is linked to a salary account without the requirement of an initial amount. The cardholder can withdraw cash or shop, and also verify their balance without having to open an actual bank account. It’s especially useful for blue-collar employees, construction workers, cleaners, and security guards, as well as other people with a low income.
Key Benefits of a Ratibi Bank Card
- Before you begin the application process, here are some principal benefits of having the Ratibi credit card within the UAE:
- There is no minimum balance required
- You can withdraw cash for free from certain FAB ATMs
- The salary is automatically credited each month.
- SMS alerts for paying credit and other transactions
- Useful at ATMs as well as POS terminals worldwide
- Access to funds 24/7
- Financial inclusion is improved for non-banked workers
These features make the Ratibi card an ideal solution for those who lack access to conventional banking services.
Benefits of Ratibi Card.
| Feature | Details |
| Minimum Salary Requirement | None |
| Need for Bank Account | Not Required |
| Issued By | First Abu Dhabi Bank (FAB) |
| Salary Range | AED 500 to AED 5,000 |
| SMS Alerts | Free on every salary deposit |
| Replacement Fee | Free for first card; fees may apply later |
| Usage | In-store, online purchases, ATM withdrawal |
Who Can Apply for a Ratibi Card?
The Ratibi card is primarily intended for:
- Employers who earn at least AED 5,000 per month.
- People who do not have a typical UAE bank account
- Laborers, domestic workers, and low-wage employees employed by private firms
- Payroll employees who receive a salary through WPS. Wages Protection System (WPS)
Required Documents for Ratibi Card Application
To be eligible for a Ratibi Salary card, whether by yourself as well as through an employer, these documents will usually be required:
- Copy of Emirates ID (Front and Back)
- A valid UAE Visa (for expatriates)
- A passport copy (for non-citizens)
- Recent photograph (passport size)
- Copy of the labor card (if available)
- Letter of company sponsorship (for groups applying)
Note: The application process is typically started by an employer and not individuals.
This can be used in the “Documents You Need” section.
| Document | Applicant Type | Required For |
| Emirates ID (copy) | Employee | Identity Verification |
| Passport-size Photo | Employee | Card Application |
| Trade License Copy | Employer | Company Verification |
| Labor Contract / Visa | Employer | WPS Registration |
| FAB Business Account | Employer (FAB clients) | Card Linking |
How Employers Can Apply for Ratibi Bank Cards for Employees
Step 1: Open a Payroll Account with FAB or an Approved Bank
Employers who wish to pay their employees via Ratibi cards must first establish a WPS-compliant payroll account with a participating bank, such as:
- First Abu Dhabi Bank (FAB)
- Abu Dhabi Commercial Bank (ADCB)
- Mashreq Bank
- RAKBANK
- Commercial Bank of Dubai (CBD)
Once the payroll account is established, the employer can then request Ratibi cards for their eligible staff.
Step 2: Complete the Ratibi Application Form
Employers will receive a Ratibi card application form from the bank, where they’ll need to enter:
- Employee’s full name
- Mobile number (for SMS alerts)
- Emirates ID number
- Monthly salary
- Company details
- Work visa information
Step 3: Submit Required Documents
Employers are required to collect all necessary documentation from employees and submit it in large amounts at the banks. This usually happens by the HR department of the company or PRO.
Step 4: Collect and Distribute the Ratibi Cards
After processing, once the transaction is completed, banks will be able to issue Ratibi cards to each eligible employee. The cards will be sent at the address provided by the employer and it’s the employer’s responsibility to distribute the cards to employees.
How Employees Can Activate the Ratibi Card
Once they have received Ratibi cards, the employees have to activate it prior to making use of it. Here’s how:
- Call FAB Ratibi activation number, the Toll-free FAB customer service number that is included in the card.
- Enter Card Details: Enter the card number as well as other necessary information when prompted.
- Create a PIN Code. After verification, the system will allow you to create your private 4-digit PIN.
- After activation is completed, you are now able to use your card at ATMs or to make purchases.
How to Check Ratibi Card Balance
Ratibi balance check, check FAB Ratibi card balance, Ratibi salary inquiry, Paycheck Ratibi Card online detailed guide.
Employees have a variety of ways to determine their Ratibi balance on their card:
1. Via SMS Alerts
After a withdrawal or deposit to the salary, the user will receive a text message with the latest balance.
2. Online Balance Inquiry
Go to the FAB Ratibi salary card portal:
- Go to: https://ppc.bankfab.com
- The last 2 digits of your credit card, as well as the card ID number
- “Go” or click “Go” to view your current balance as well as recent transactions.
3. FAB Mobile Banking App
Certain users might be eligible to utilize the FAB mobile application for checking balances.
4. ATM Machines
Make use of the card in any FAB ATM, and then select Balance” from the “Balance Inquiry” option.
Fees and Charges for Ratibi Cards
Ratibi card is free of charge. Ratibi card is provided free for employees and employers when it is it is issued in accordance with an agreement. Certain services could be charged for:
| Service | Charges |
| Card Issuance | Free |
| Replacement for Lost Card | AED 25–50 |
| ATM Withdrawals (Non-FAB ATMs) | AED 2–3 per transaction |
| International Transactions | A currency conversion fee applies |
Common Issues and Solutions
Card Not Working?
- Verify that it has been turned on.
- Verify if you have been credited with salary.
- Try an alternative ATM as well as a POS terminal.
- Contact FAB customer service.
Lost or Stolen Card?
Contact FAB’s 24/7 helpline and let them know about the problem.
- Immediately call FAB’s 24/7 helpline and report the issue.
- Request a replacement card through your employer.
Not Receiving SMS Alerts?
- Change your mobile number with your employer or phone FAB support.
Alternatives to Ratibi Card
Although Ratibi is popular, other alternatives for salary cards available in the UAE include:
- Lulu Exchange Payroll Card
- Al Ansari Exchange Payroll Card
- Mashreq Neo Pay
- ADCB PayPack Card
These cards are also compliant with WPS and could provide additional benefits, like Mobile wallet integration.
Is Ratibi Safe and Compliant?
Yes. Ratibi card system is: Ratibi Card system is
- WPS compliant as per the rules of the Central Bank of the UAE
- Secure with a chip and PIN protection
- Issued by financial institutions regulated
In conjunction with Balance alerts and SMS messages to monitor activities
Conclusion
The process of applying for the Ratibi Bank Card in the UAE is an easy and revolutionary option for those who don’t have to the ability to access traditional bank services. There is no requirement for a minimum balance, no cost ATM accessibility, as well as worldwide access; it’s the perfect solution to pay out wages.
Employers should be aware of the process of applying thoroughly to ensure that they are in compliance to WPS regulations and a smooth salary distribution. Additionally, employees must know how to activate, use, and protect their Ratibi cards for all-day financial transactions.
Frequently Asked Questions
Q1. Can I make use of the Ratibi card outside of the UAE?
Yes. The card can be used internationally to make purchases as well as cash withdrawals. However, charges for foreign exchange apply.
Q2. Can I transfer funds from the Ratibi card to an account with a bank?
Typically, the Ratibi card does not accept bank transfers directly; however, you are able to transfer cash and then deposit it by hand.
Q3. What happens if I leave my job?
Your new employer could issue a new credit card. You will need to remove the old Ratibi card by contacting your former employers or FAB.
Q4. What is the time it takes to get the Ratibi card?
It generally is 5-10 working days starting from the date of submission.
Last modified: August 10, 2025
