Bank cards have turned into convenient financial tools for a long time now. These miniature plastic cards help individuals carry out a myriad of financial tasks without the need to keep cash at hand.

Bank cards have made it easier for people to not carry big amounts of cash all the time and perform transactions within the blink of an eye. Not only do these cards let people pay in retail stores but also make it possible to shop online from the comfort of their homes. All this has made life simpler, easier, and more convenient.

There is a wide variety of bank cards, each with its unique features and benefits. Credit cards, debit cards, and payroll or salary cards are some of the most popular types of bank cards that help individuals and businesses streamline their financial duties.

In this article, we are going to discuss the popular Ratibi Card powered by FAB. You will find insightful details about its uses, benefits, and how individuals in the UAE are utilizing this unique payroll solution to simplify their daily lives.

Ratibi Card: Everything You Need to Know

Difference between a Salary Card & Debit Card

Before we dive deeper into the topic, it’s essential to understand the main difference between a salary card and a debit card. A salary card is a debit card linked to a payroll system established between an organization/employer and a bank. The majority of all employers transfer salaries to bank cards, making it a popular choice among salaried individuals.

The major difference between a debit card and a a salary card is that all maintenance costs are borne by the organization/employer and the employee can withdraw their salaries or any cash benefits without having to pay anything. Also, the beneficiary of a salary card is an employed individual, unlike debit cards which can be issued to anyone regardless of their job profile.

Now that you have a basic understanding of a salary card, let’s move forward and take a look at how a Ratibi Card functions and how employees in UAE can benefit from this card to make their lives much more convenient.

What’s a Ratibi Card?

Ratibi Card by FAB is a salary payroll solution designed to transfer the salaries of employees who earn a maximum of AED 5,000 a month. Employees with a Ratibi card can receive their salaries through the card without the need to open a bank account. Salaries can be withdrawn globally with ease through ATMs for free.

This unique salary card offers free personal accidental insurance, free access to CDMs and ATMs, zero balance requirement, and no maintenance charges for the beneficiary. All cardholders can make payments in-store, withdraw their money through ATMs, and save money on banking fees. There is no need to open a bank account, which might be an added benefit for a lot of low-income households.

FAB (First Abu Dhabi Bank) has always offered the UAE public innovative financial instruments. Their Ratibi prepaid salary card is yet another noteworthy product that has streamlined the way salaries are paid, offering a safe and convenient alternative to conventional banking methods.

Here is a list of the 6 Best Zero Balance Bank Accounts in UAE in case you are interested in knowing more about low-maintenance accounts.

Unique Advantages for Both Employer and Employee

Organizations/Employers can deposit salaries directly into the Card and the employee will receive their payments by using the card at ATMs located anywhere in the world. The elimination of a bank account is beneficial for both the employee and the employer.

Employees save on banking fees when withdrawing payments and making transactions at retail stores. On the other hand, employers can make payments swiftly and benefit from real-time card management through online banking. Moreover, employers can make use of various payment solutions and transfer salaries safely and securely.

Notable Features and Benefits of Ratibi Card

Ratibi Card comes packed with a lot of attractive features and benefits to accommodate the varying needs of employers and employees. Besides offering a simplified solution to receive salaries, the Ratibi Card offers a lot of other advantages including:

  • Elimination of a bank account
  • Salaries are transferred directly to the card
  • Free personal accident insurance which provides a financial net in the face of accidents
  • Round-the-clock access to CDMs and ATMs across the globe
  • Quick withdrawal and deposit at any time of the day
  • Zero balance requirement
  • No monthly maintenance charges
  • Can be used for making payments in stores and online
  • Free SMS alerts
  • Easy monitoring of funds
  • Personalized PIN selection at FAB’s designated ATMs
  • Complied with the UAE Government’s WPS guidelines
  • Salaries are credited automatically with simplified payroll processing
  • Online card management

Who Can Use a Ratibi Card?

Individuals and establishments who can register for a Ratibi Card include:

Low-income earners: Employees who earn a maximum salary of AED 5000 a month can receive their payments directly into the card without opening a bank account. This will help them save money on banking fees and get payments on time without stress.

Employers with Corporate FAB Accounts: Organizations and employers who already have corporate accounts at FAB can benefit from the Ratibi Card service and pay salaries using diverse payment solutions. To top it off, employers can manage cards in real-time and keep a check on transactions much more conveniently.

UAE Residents: A Ratibi Card can be obtained by UAE residents who are employed under registered organizations in the country.

Eligibility Criteria

To obtain a Ratibi Card from FAB, one should fulfill the below-given requirements:

  • The employer must have a corporate bank account with FAB.
  • The employee for which the card is being requested must be a resident of the UAE
  • Employees must have updated KYC details to be able to apply for a Ratibi Card.

How to Apply for a Ratibi Card?

to apply for a Ratibi Card, you must first log on to FAB’s official website and hover to the prepaid cards tab. From here on, select the Ratibi Prepaid Card. A dedicated webpage will open providing all details related to the bank card. Scroll down the page and you will find downloads.

  • Select the Ratibi application form and provide all essential details.
  • After completing the application form, fill in the employee details Excel sheet to send a request for a Ratibi Card.
  • Now complete the iBanking application form to get access to the online card management
  • All applications must be printed and submitted to the nearest FAB branch or community banking branch.

How to Check Ratibi Card Balance?

Keeping a check on your salary balance in Ratibi Card is essential for managing monthly finances. To check your Ratibi Card salary balance online, you can follow the steps mentioned below:

  • Log on to the FAB’s official website.
  • Hover to the Prepaid Card section and select Ratibi Prepaid Card.
  • On the Ratibi Prepaid Card page, find the “existing Ratibi Card Holder” tab.
  • Under this section, click on the “Ratibi Prepaid Card Balance Inquiry”.
  • You will now be redirected to a new page where you will have to provide the last two digits of your card number along with your Card ID.
  • After providing the required details, click on the “go” button.
  • Your available balance will be displayed on the screen.

Important Note: Always use official channels to check your Ratibi Card Balance online. Avoid clicking on fishy links as it puts your privacy and sensitive financial data at risk.

Checking Ratibi Card Balance through ATMs

Alternatively, you can perform Ratibi Card salary check by visiting a nearby ATM.

  • Insert your card into the machine, enter your PIN code, and wait for the options to appear on the screen.
  • From the main menu, select “Balance Inquiry”.
  • The machine will display your available balance on the screen.
  • You can then either take out the card or withdraw the remaining amount.


Can a Ratibi Card be used for withdrawing cash through an ATM?

Yes. A Ratibi Card can be used at ATMs around the globe to withdraw cash at any time of the day. You just need to insert your card, type in your PIN, and select “withdraw cash” from the main menu.

What to do in case a Ratibi Card is lost?

In case of loss or theft, immediately contact the customer support team through the designated number. They will provide guidance and required assistance to report the loss and safeguard your funds.

Are there any maintenance fees associated with the Ratibi Card?

No. There are no fees to be paid when making transactions or withdrawing money through Ratibi Card. It’s a zero-balance account with no minimum balance requirement. Cardholders can use the card for free as per their needs.

The card can also be used globally for making payments and shopping online.

Can Money be transferred from Ratibi Card to another bank account?

No. You cannot transfer money from a Ratibi Card to another bank account. The card is designed only for processing salaries and does not allow fund transfers to other accounts.

Is there any limit on the amount to be withdrawn from a Ratibi Card in a day?

Yes. There is a limit on the amount of money to be withdrawn in a day. However, the limit may vary depending on the terms specified by the employer/organization or the bank


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