Ratibi Card Salary Check Online

Finance

By UAE Script StaffPublished On: November 16, 2025

Ratibi Card is a prepaid salary card, which is issued by different financial institutions in cooperation with employers. The main intention of Ratibi Card is to simplify the payment of salary to employees, particularly in sectors where cash systems of payment were widely used in the past.

Instead of employees receiving their salary in cash or through traditional bank accounts, employees are provided with a Ratibi Card, where the salary is directly deposited. This is a contemporary payment system that simplifies the transaction process for both employees and employers. With the Ratibi Card Salary Check, employees can easily check their salary balance, making it even more convenient to manage and access their earnings, anytime and anywhere.

The Ratibi Card is normally offered in collaboration with major banks/ financial institutions, and it is operated like a debit card. Employees can check their funds on an ATM, spend the card online, or even in-store, and it is a very convenient and safe way to use.

How Does the Ratibi Work?

The Ratibi Card works in a manner that is easy but efficient. The process of its working can be broken down into the following:

Salary Credit

Your employer will put your salary on your Ratibi Card at the start of every pay period. This eliminates the use of physical cash or direct deposit from banks.

Activation

It requires that on the initial receipt of the card, it must be activated. Usually, it can be activated by dialing the customer service number given by the bank or by using the portal of the bank.

Card Usage

Once activated, you can use your Ratibi Card to:

ATM Withdrawals: Get your salary at any ATM which supports the card network.
Retail and Online Purchases: You can use the card to buy goods and services online or through physical stores.
International Usage: Although this may depend on the features of your card, you may be able to perform international transactions through your card.
Account Management: There are a range of Ratibi Cards which have mobile applications or web portals to manage your money. You can monitor your pay, review balances, and view the history of transactions through these platforms.

The Advantages of the Ratibi Card

The Ratibi Card has a number of benefits for both employers and employees. The following are some of the best advantages:

Accessibility and Convenience

The Ratibi Card is the most convenient salary management tool, provided by FAB (First Abu Dhabi Bank). Waiting for checks to clear and the hassle of paper-based transactions are now a thing of the past. Your wages are automatically loaded onto your Ratibi Card, giving you access to them anytime and anywhere. Whether you are at home or abroad, the Ratibi Card ensures a fast and seamless connection to your salary, making it easier to manage your finances with the reliability and security of FAB.

Enhanced Security

It is dangerous to carry huge amounts of money around, especially in a society where theft and fraud are common. This risk is minimized with the Ratibi Card. The card is secure, unlike cash, which can be stolen and retrieved with much difficulty. The majority of Ratibi Cards are PIN-secured and fraud-protected, ensuring that no one can take away your salary.

Instant Access to Salary

The greatest merit of the Ratibi Card is that you can have easy access to your salary just after its deposit. Conventional ways of paying out salaries, such as bank deposits, may take days to process. Under the Ratibi Card, the salary is debited instantly, meaning you don’t have to wait until the bank clears the salary.

Easy Online Transactions

Ratibi Card is fitted with online payment capabilities, which is ideal for employees who like shopping or paying bills through the internet. It is easily accepted by online sellers, ensuring a hassle-free shopping experience.

No Need for a Bank Account

Whereas in traditional payment systems, you may need a bank account to receive your salary, the Ratibi Card does not require you to have a bank account. It is an excellent option for employees who may lack access to a conventional bank account, ensuring they still receive their salaries in a safe and efficient manner.

Ratibi Card Salary Check – All Platforms

There are many ways to check your salary with the Ratibi Card, which is easy to check. Here’s how you can do it:

Check Salary at an ATM

Checking your salary is one of the simplest methods, which can be done with the help of an ATM. You can just insert your Ratibi Card in the ATM, enter your PIN, and check the balance. If the salary has been credited, the balance should match the amount you are supposed to receive.

Check Salary With Mobile Application

There are numerous Ratibi Card providers who offer a mobile app that can be downloaded on your smartphone. On the app, you can view the balance, history of transactions, and receive real-time updates regarding any salary deposits by logging in.

Online Banking or Web Portal

Other Ratibi Cards can be connected with online banking or web portals. After logging in with your card details, you are able to see your salary, transaction details, and other relevant information.

Call Customer Support

If you cannot check your balance using the above methods, customer support can always be contacted. They can help you with how to access your pay and troubleshoot any issues.

Common Issues with Ratibi Card Salary

Although the Ratibi Card is easy to use, there are times when users may encounter problems. Some of the common problems that employees face and their solutions are listed below:

Salary Not Reflecting

It is possible that employees may not see their salary credited to their Ratibi Card. This may occur due to several reasons, including:

Salary deposit late by the employer: Enquire with your HR or payroll department.
System glitches: Delays in processing from the banking system.
Wrong account information: Ensure that the employer has the correct account information for payment.

Solution: If the issue is not resolved, contact the customer service department of your Ratibi Card provider.

Card Blocked or Frozen

The Ratibi Card can be blocked due to reasons such as:

Suspicious activity: The bank may block the card as a precaution.
Overdrawn transaction limits: Some cards have daily withdrawal or transaction limits.
Failure to activate: If you haven’t swiped or activated your card, it may be blocked.

Solution: Contact customer support to unlock or reactivate your card.

Wrong PIN or Login Errors

If you’re having difficulty accessing your card or logging into the mobile application, it could be due to the wrong PIN or login information.

Solution: Reset your PIN via the Ratibi Card portal or call customer support for assistance.

Ratibi Card Security Measures

It is essential to ensure the safety of your Ratibi Card and its contents. The following are measures you can take to keep your Ratibi Card secure:

Keep your PIN safe: Never share your PIN with anyone, and avoid keeping it on your phone or card.
Report lost or stolen cards immediately: If your card is lost or stolen, report it to your card provider immediately to prevent fraud.
Keep track of your records: Periodically check your transaction records through the mobile application or online portal to verify there are no discrepancies.

Conclusion

The Ratibi Card provides an easy, secure, and convenient method for employees to receive and manage their salaries. With features like instant deposit, easy access to funds, and enhanced security, it’s a valuable tool for managing income. By following the steps outlined in this guide, you can easily check your salary and solve any problems you may encounter. The future of salary payment systems lies in the Ratibi Card, giving you more control over your financial life.