The salary card, or pay slip as it is also known in Ras Al Khaimah(RAK), is a very important tool for employees. The card ensures that workers get their salary legally, safely, and on time. Salary cards are used by many laborers, factory workers, cleaners,s and drivers.
The guide will explain what a salarycard is, what it is used for, what the balance is, and how you can withdraw your salary. It also explains how to use a salary card in Ras Al Khaimah. This guide is in English so that everyone will understand.
Understanding Salary Card Workers Ras al Khaimah
What is a salary card?
Salary cards are prepaid cards that workers receive to ensure they get their monthly salary. Wage Protection System deposits the salary on the card. The card can be used to withdraw cash from an ATM or make payments.
Salary cards are similar to ATM cards, but do not require that you have a bank account.
Must visit: FAB ATM Balance Check Made Easy
RAK Salary Card: Why Are They Used?
The main use of salary cards is for employees who don’t have a bank account. The cards help employers to comply with the UAE labor law and ensure that salaries are properly paid. The cards protect employees from illegal payments or delays in salary.
Salary Card vs Bank Account: What’s the Difference?
Salary cards are simple to use. The card is used primarily for withdrawing salary. Savings, online banking, and loans are all available with a bank account. Salary cards are popular because they’re easy to use, quick, and secure.
Salary cards in Ras Al Khaimah
Wage Protection System: Salary Payment
Employers in the UAE must pay wages through the Wage Protection System. The Ministry of Human Resources and Emiratisation is responsible for the management of this system. This system ensures workers get paid on time and correctly.
The role of employers in salary card payments
Employers are responsible for:
- The salary card can be issued by a bank that has been approved.
- Every month, transfer your salary.
- The labor contract Terms
Legal action may be taken if an employer does not pay their salary promptly.
The Monthly Salary Credit System
WPS receives the salary information from employers every month. The salary will be creditedtoo the employee’s card once it has been approved. The salary can be withdrawn by the worker within one to three working days.
Must visit: Ras Al Khaimah in 2026
How to get a salary card in Ras al Khaimah
Blue-Collar and Labor Workers
Salary cards are used by most workers in factories, construction, cleaning, and security.
Construction and Industrial Workers
Payroll cards are issued to workers in the industrial zones of Ras Al Khaimah.
Domestic and Contract Workers
Depending on the employer’s arrangements, some domestic workers and contract employees also receive salary cards.
Ras Al Khaimah Banks Offer Salary Card
RAKBank Salary Card
RAKBank provides salary cards to many people in Ras Al Khaimah. The bank offers easy access to ATMs and a wide range of balance checks.
Some other UAE banks offer a salary card.s
ADCB, Mashreq Bank, NK, and First Abu Dhabi Bank are other banks that offer salary cards. The WPS has approved these banks.
Salary cards for workers in Ras Al Khaimah: Benefits
No bank account required
The workers do not have to open an account in order to get their salary.
Simple ATM withdrawals
You can withdraw your salary from any ATM in Ras Al Khaimah or the UAE.
Paying Salary in a Secure and Safe Way
The use of salary cards can reduce your risk for cash theft and wage fraud.
UAE Law Protects You from Legal Liability
The salary cards are a way to ensure that employers adhere to UAE labor law and safeguard worker rights.
What is the Salary Card balance in Ras Al Khaimah?
Use the ATM to check your balance
To see their salary, workers can insert their card in any ATM.
Text Banking and Phone Banking
Some banks allow customers to check their balances via SMS or by calling customer service.
Apps for Mobile Devices
Some banks offer mobile applications that allow employees to view the balance of their salary cards.
How to withdraw salary using a Salary card
ATM Withdrawal Procedure
The card can be used to withdraw money by inserting it, entering the PIN, and choosing the amount.
Maximum Daily Withdrawal
Banks set daily withdrawal limits. To avoid a failed transaction, workers should always check the limits.
ATM locations in Ras Al Khaimah
There are ATMs in malls, markets, industrial zones, and close to labor accommodations.
The most common problems with salary cards
The salary is not credited on time
Some employers or WPS may delay the payment of your salary.
Loss or damage to Salary Card
The employee should immediately inform their employer or the bank if the card has been lost.
The PIN and card blocking problems
The card may be blocked if you enter the wrong PIN. Bank customer support can help reset it.
How to Deal with Salary Delays in Ras Al Khaimah
Employer Responsibilities
According to the contract, employers must pay their employees on time.
How to file a complaint with MOHRE
Workers can complain to MOHRE if their salary has been delayed by:
- Helpline for MOHRE
- App MOHRE
- Centers for Tasheel
WPS: Worker’s Rights
UAE law protects workers and can penalize employers for not paying salaries on time.
Payroll Card Fees
The Fees for ATM withdrawals
Some ATMs charge small withdrawal fees.
Balance Inquiry Fees
Banks usually offer free balance checks, but this may vary.
Cards Replacement Costs
A small charge may be charged to replace a lost or stolen card.
Salary card users: Safety tips
Your PIN is Protected
Do not share your PIN with anyone.
Avoid ATM Fraud
Avoid using ATMs at night.
Resolve Issues Quickly
Report any suspicious or lost activity as soon as possible.
Salary Card or Cash Salary?
Salary cards can be legally used and are protected. Cash wages are not recommended and could violate the labor law. Salary cards provide better security, proof of payments, and protection for workers.
Using Salary Card in Daily Life
Salary cards can be used by workers to:
- Cash withdrawal
- Use POS machines to pay at stores.
- You can transfer money using bank services
Last Thoughts
The best solution to pay salaries in Ras al Khaimah is salary cards. They are safe and secure. Employees without bank accounts can benefit from them because they ensure that legal salaries are paid, safeguard workers’ rights,s and simplify their lives. Knowing how to use salary cards helps employees manage their money with confidence.
FAQs
What is the salary card in Ras Al Khaimah for employees?
Salary cards are prepaid cards that can be used to get your monthly pay without having a bank account.
Does RAK require a wage card?
Salary cards are necessary for most workers covered by WPS.
What is the balance of my salary card?
Check your balance using an ATM, SMS, or the bank’s helpline.
How should I react if my pay is late?
If you need to, contact your employer before filing a complaint.
How can I get my full salary?
You can, but it depends on the ATM limits and your bank.
Last modified: February 11, 2026
