In the UAE, many employees use the Ratibi card, a salary card issued by First Abu Dhabi Bank (FAB), for receiving monthly wages. One of the most common requirements among users is to check their card balance regularly. A Ratibi balance enquiry helps employees manage finances effectively without needing a traditional bank account.
What Is the Ratibi Card?
The Ratibi card is a prepaid payroll card offered by FAB. It is mainly designed for employees earning less than AED 5,000 per month. Unlike regular bank cards, this salary card does not require the holder to have a bank account. Employers can directly credit salaries to the card, and employees can use it at ATMs, POS machines, or for online purchases.
Why Is Ratibi Balance Enquiry Important?
Performing a Ratibi balance enquiry ensures that users stay informed about their current salary, deductions, or any discrepancies. With rising living costs, keeping track of your financial transactions has become more important than ever.
Additionally, a timely check of your balance prevents overspending and ensures you always have enough funds for essential needs. Without this, managing monthly expenses may become a challenge.
Methods to Check Your Ratibi Card Balance
Checking your Ratibi card balance can be done in multiple ways, each designed for user convenience. The following are the most common and efficient methods:
1. Online Balance Enquiry
FAB offers a dedicated web portal where users can check their balance instantly. By entering your card number and other details, the system retrieves your current balance. This method is simple and accessible from any device with internet access.
- Visit the official FAB Ratibi enquiry portal.
- Enter your Ratibi card number and card ID.
- Click on the “Go” button to see your balance displayed.
This process does not require login credentials, making it fast and secure for quick checks.
2. SMS Alert Service
Many Ratibi cardholders opt for FAB’s SMS alert service. After every transaction, the user receives an SMS containing the transaction details and updated balance. This service adds an extra layer of security and financial control.
To activate SMS notifications:
- Visit an FAB ATM or branch.
- Request SMS service registration.
- Ensure your mobile number is linked correctly.
Once activated, you no longer need to manually perform a Ratibi balance enquiry unless required.
3. ATM Check
Users can also visit any FAB ATM or an ATM affiliated with the Visa/Mastercard network to check their balance. This method suits those who prefer physical confirmation or do not have internet access.
- Insert your Ratibi card.
- Choose the “Balance Enquiry” option from the menu.
- Your current balance will be shown on the screen.
Remember, this service is usually free, but it’s advisable to use an FAB ATM to avoid extra charges.
Security Tips During Balance Enquiry
While conducting a Ratibi balance enquiry, ensuring the security of your card and data is crucial. The following tips should always be followed:
- Avoid sharing your card details online or via unsecured networks.
- Regularly monitor transactions to identify any unusual activity.
- Change your PIN periodically and do not disclose it to anyone.
By following these simple practices, you protect your earnings and maintain financial control.
Transitioning to Better Financial Planning
A Ratibi balance enquiry is not just a way to check your money. It is also the first step toward better financial planning. With easy access to your salary information, you can budget effectively, avoid overspending, and even start saving for future needs.
Moreover, with the rise in digital banking, tools like the Ratibi card offer flexibility and transparency that were once hard to access for low-income workers.
Final Thoughts
The Ratibi card is a valuable tool for employees in the UAE. Whether you’re new to it or have used it for years, performing a Ratibi balance enquiry helps ensure your finances remain in check. With multiple secure methods available—online, SMS, and ATM—checking your balance has never been easier.
Make it a habit to check your Ratibi balance frequently. Doing so not only promotes financial awareness but also empowers you to make informed decisions every day.
