Ratibi Prepaid Card | First Abu Dhabi Bank, UAE
The Ratibi Prepaid Card, offered by First Abu Dhabi Bank (FAB), is a convenient and secure solution designed for employees who earn less than AED 5,000 per month. This prepaid card allows users to receive their salaries easily without the need for a traditional bank account. It provides quick access to funds, cashless payments, and hassle-free salary management.
Ideal for workers in various sectors, the Ratibi Card simplifies wage distribution while complying with UAE labor regulations. In this guide, NOL Card Check guides you through everything you need to know about the Ratibi Prepaid Card.
What is the FAB Ratibi Card?
The FAB Ratibi card is a salary payroll card that allows employers to transfer wages directly to their workers’ cards. It’s part of the UAE Wage Protection System (WPS), ensuring timely and secure salary payments.
FAB Ratibi Card Benefits – Features, Free Withdrawals & Global Access
- No Bank Account Needed: Receive your salary directly on the card without the need to open a traditional bank account.
- Free Withdrawals: Withdraw cash free of charge from any FAB ATM across the UAE.
- SMS Alerts: Stay updated with instant SMS notifications for every transaction made using your card.
- 24/7 Customer Support: Access round-the-clock assistance through FAB’s dedicated helpline for Ratibi cardholders.
- Accepted Worldwide: Use your Ratibi card at ATMs and point-of-sale terminals globally, wherever Visa/MasterCard is accepted.
How to Check FAB Ratibi Card Balance?
Easily check your FAB Ratibi Card balance through multiple convenient options, including the online portal, mobile app, or any FAB ATM across the UAE. You can easily check your FAB Ratibi Card balance using any of the following methods:
Online Balance Portal
Visit the official FAB Ratibi Balance Check page. Enter your card number and other required details to securely view your current balance without needing to log in.
FAB Mobile App
Download the official FAB Mobile App from the App Store or Google Play. Once installed, log in using your credentials to check your card balance, view recent transactions, and manage your card settings.
FAB ATMs
Insert your Ratibi Card into any FAB ATM, select the “Balance Inquiry” option, and instantly view your available balance without any service charge.
How to Apply for a Ratibi Card?
To apply for a FAB Ratibi Card, the request must be made by the employer on behalf of eligible employees. Employers can initiate the process by contacting First Abu Dhabi Bank (FAB) directly or through their designated corporate banking representative.
Required Documents for Application
- A valid Emirates ID copy of the employee.
- A copy of the employee’s passport and visa page.
- The employee’s labour contract or employment letter.
FAB will process the application and issue Ratibi cards to employees who meet the eligibility criteria, typically those earning AED 5,000 or less per month.
Secure & Streamlined Salary Payments with Wages Protection System (WPS)
Ratibi Prepaid Card supports salary disbursements through the Wages Protection System (WPS) — a fully automated and compliant platform designed to ensure your employees get paid securely and on time, every time.
Why Choose WPS with Us?
- Seamless Automation: Experience hassle-free payroll processing with a dedicated support team ready to assist you whenever needed.
- Safe & Efficient: One simple bank transfer covers all employee salaries — no cash handling risks or manual errors.
- Local Currency Convenience: Payments are made in AED, which reduces costs and ensures compliance with UAE regulations.
Flexible Salary Payments Beyond WPS
For businesses opting out of WPS, our bank offers reliable salary processing services that handle your payroll in local currency within the UAE. With secure electronic channels, you can submit salary files in bulk, making payroll management easier and faster.
- Confidential & Secure: Each salary entry is accessible only to authorized personnel, keeping your employees’ data protected.
- Single Debit Entry: Streamline your accounting with a single debit transaction for all payments.
Important Employer Guidelines & Policies for Ratibi Prepaid Card
To maintain smooth operations and compliance, employers must follow these essential steps for Ratibi Prepaid Card:
- Maintain an active Corporate Account to issue Ratibi prepaid cards.
- Serve as the primary liaison between employees and the bank for all card-related matters.
- Provide employees with clear instructions and training on card usage and best practices.
- Understand that any Ratibi cards confiscated by ATMs will be destroyed by the receiving bank; replacement cards must be requested by the employer.
How to Check Your NOL Card Balance with Ratibi?
Along with easy salary access, many Ratibi cardholders use their cards to manage daily travel expenses via the NOL card system on Dubai’s public transport. To check your NOL card balance, simply:
- Visit any Dubai Metro station ticket office.
- Use the NOL card reader at bus stops or metro stations.
- Check online through the official RTA website or Dubai’s NOL app.
This way, you can effortlessly keep track of your travel funds while enjoying the benefits of your Ratibi Prepaid Card.
Conclusion
The Ratibi Prepaid Card by First Abu Dhabi Bank (FAB) provides a safe and convenient method for employees earning less than AED 5,000 per month to receive their salary without a conventional bank account. It offers fast access to funds, free withdrawals at FAB ATMs, and can be used worldwide.
Supported by the UAE’s Wages Protection System (WPS), this card ensures timely payments. Additionally, users can effortlessly monitor their NOL card balance for travel expenses, making Ratibi an all-in-one payroll solution across the UAE.
