C3 Card Balance Check: C3Pay App, ATM and Helpline

You can do a C3 card balance check in three official ways: open the C3Pay app by Edenred UAE and read the balance on the home screen, insert your card at any ATM in the UAE and choose Balance Inquiry, or call the C3Pay helpline on 600 56 7772. The app is the quickest and also shows every salary credit, while the ATM works without a smartphone or internet.

Do this next to check your C3 balance

• Install C3Pay from the App Store or Google Play and register with your card and Emirates ID.
• Find your ATM PIN in the app under Profile, then Show ATM Pin, before you go to a machine.
• Use C3Pay or RAKBANK ATMs to keep withdrawals free; other ATMs charge AED 2 per withdrawal.
• Salary missing? Confirm the payment date with your employer, then call 600 56 7772.

What is a C3 card?

A C3 card is a prepaid salary card from Edenred UAE, the payroll company that runs the C3Pay brand. Your employer loads your monthly wages onto it through the Wage Protection System (WPS), so you can be paid without opening a bank account. Edenred is a WPS agent authorised by the Central Bank of the UAE and says that one in three unbanked employees in the UAE is paid with C3Pay.

The card runs on the Mastercard network and is issued under a card number range (BIN) sponsored by RAKBANK, which is why you see RAKBANK on some cards and why RAKBANK ATMs give you a free withdrawal. Older cards and the old app were called MyC3Card; today the card, app and services are all called C3Pay. There is no minimum balance and no minimum salary.

Edenred has also announced a C3Pay Universal Account for cardholders earning AED 5,000 or less a month, with a dedicated AED IBAN, salary transfers, bill payments and a debit card, planned for December 2026. Edenred says it has in-principle approval from the Central Bank of the UAE for a Stored Value Facility licence to run these accounts. Existing cards keep working unless Edenred asks for a reissue.

C3 balance check methods at a glance

Method	What you need	Cost	Internet
C3Pay app	Smartphone, card, Emirates ID	Free to download and use	Yes
ATM balance inquiry	Card and 4-digit ATM PIN	Check with the ATM; withdrawals are free at C3Pay ATMs twice a month	No
Phone 600 56 7772	Card number and ID details for security checks	Not toll free	No
WhatsApp +971 58 876 2762	Registered mobile number	Free (data)	Yes
SMS alerts (subscription)	Activation in the app or by phone	AED 3 a month plus VAT, or 0.50 per salary alert	No

Method 1: Check your C3 balance in the C3Pay app

The C3Pay app (Edenred UAE) is the official app for C3 cardholders, with more than five million downloads on Google Play. It shows your available balance and transactions at any time and is free to download, sign up and use for viewing your PIN.

How to register for the first time

1. Download C3Pay from the App Store or Google Play. Check that the publisher is Edenred UAE.
2. Open the app, choose Sign Up and enter your mobile number. Enter the OTP sent by SMS.
3. Scan the front and back of your Emirates ID when asked. This KYC step verifies your identity and activates the card in the app.
4. Create your app PIN or enable fingerprint or Face ID.

How to see your balance and salary credits

1. Log in with your PIN or biometrics.
2. Your available balance appears on the home screen.
3. Tap the transactions list to see each salary credit, purchase and ATM withdrawal with its date.
4. For a record of past months, request an email statement from the app, which is useful for visa, loan or rental applications.

The same app lets you block or unblock your card, view your ATM PIN, recharge local and international mobile numbers in 130+ countries and send money home. If the app will not log in, update it to the latest version and make sure your Emirates ID is still valid, because an expired ID blocks some services.

Method 2: Check your C3 balance at an ATM

C3 cards work at ATMs across the UAE that accept Mastercard. A balance inquiry needs no internet:

1. Insert your C3 card and choose your language.
2. Enter your 4-digit ATM PIN. You can see it in the C3Pay app under Profile, then Show ATM Pin, or on See your ATM Pin on the dashboard.
3. Select Balance Inquiry. Some machines also offer a mini statement.
4. Read the balance on screen or print the receipt, then collect your card.

Your PIN is not posted with the card. Edenred shows it only in the app after you upload your Emirates ID, and it cannot be changed. If someone else learns your PIN, you need a new card, which comes with a new PIN. Use the official Edenred FAQ to find C3Pay ATM locations near you.

C3 card ATM fees and limits

Item	Official C3Pay rule
Free withdrawals at C3Pay ATMs	2 per month
Free withdrawals at RAKBANK ATMs	1 per month
Withdrawals at other ATMs	AED 2 each
Daily withdrawal limit	Up to AED 5,000
Cash deposit to the card at an ATM	Not enabled yet; only your employer can credit the card
Salary cash over the counter	Not offered
Minimum balance	None

Edenred publishes its charges for withdrawals. A bank that owns the ATM can add its own fee for balance enquiries, so checking in the app is usually the cheapest habit.

Method 3: Call or WhatsApp C3Pay

If you cannot use the app, call the C3Pay call centre on 600 56 7772 (also written 6005 67772). From outside the UAE dial +971 6005 67772; Edenred notes it is not a toll-free number. Follow the voice menu for card services and keep your card and Emirates ID ready for the security questions.

Edenred also runs WhatsApp support on +971 58 876 2762, mainly for cardholders who cannot access the app to see their ATM PIN. After security checks, the PIN is sent to you by SMS. Never share your PIN, OTP or full card number with anyone who contacts you first, even if they say they are from Edenred or your employer.

Can you check your C3 card balance by SMS?

Edenred lists three balance channels for cardholders: the app, any ATM and the 600 56 7772 phone line. It does not publish an SMS balance-enquiry code for C3Pay cards. Codes you may see online, such as sending BAL to a short number, are not on Edenred’s official pages, so do not send your card details to them.

What you can do is subscribe to SMS alerts, which tell you the moment your salary arrives or your card is used:

• Transaction alerts: AED 3 a month plus VAT, which also includes salary alerts.
• Salary alerts only: 0.50 per alert.
• Activate either one in the C3Pay app or by calling 600 56 7772, and make sure your current mobile number is registered.

C3Pay fees for other services

Most people check their balance before sending money home or recharging a phone. These are Edenred’s published rates for the main C3Pay app services:

Service	Fee	Notes
Transfer to India (INR)	Bank transfer from AED 5	Instant through the app
Transfer to Pakistan (PKR)	Free	Bank transfer or cash pick-up
Transfer to Nepal (NPR)	From AED 9.50	Bank transfer or cash pick-up
Transfer to Bangladesh (BDT)	From AED 14.25 plus VAT	Bank transfer
Transfer to Sri Lanka (LKR)	From AED 15	Bank transfer or cash pick-up
Transfer to the Philippines (PHP)	From AED 14.25 (bank), AED 19.95 (cash pick-up)	Instant through the app
C3Pay to C3Pay	AED 1	Instant, up to AED 1,000 a month, 20 beneficiaries
Local mobile recharge	AED 0.50 plus VAT	Per transaction, UAE numbers
International mobile recharge	Free	130+ countries
Salary advance	Fixed 5% fee	Up to half of your lowest salary in the last 3 months

The app cannot send money to UAE bank accounts yet. To move money into your own UAE account, withdraw it at an ATM and deposit it at your bank’s cash deposit machine; our C3 card to bank transfer guide explains the steps and limits. For the salary advance, Edenred requires three salaries in the last three months, an average salary between AED 750 and AED 4,999 and an Emirates ID valid for at least two more months, and it recovers the amount from your next salary with no late fees.

Salary not showing on your C3 card?

Edenred credits salaries on the same day if your employer’s salary file and funds reach the Edenred Payroll portal before 4:30 pm. WPS files have cut-off times of 10 am, 12 pm and 1 pm, so a file sent after the last cut-off is usually credited the next working day. Weekends and public holidays can add a day.

Problem	Likely cause	What to do
Salary not credited on payday	Employer has not sent the salary file or funds	Ask HR for the date the file was sent to Edenred
Balance lower than your payslip	Deductions, salary advance recovery or SMS alert fees	Check the transaction list in the app
App shows an error	Old app version or expired Emirates ID	Update the app and renew your Emirates ID
ATM did not give cash but card was debited	Failed ATM transaction	Keep the receipt and ask your employer to raise it in Edenred Payroll (Manage Employee)
Card blocked	Blocked in the app or after wrong PIN entries	Unblock in the app under Profile, or call the helpline
No salary for weeks	Employer is not paying	Contact MOHRE on 600590000

Under UAE labour rules an employer is late if wages are not paid within 15 days of the due date. Keep your contract, payslips and app statements; you may need them. Our guide on finding your labour card number helps when you contact MOHRE.

Lost C3 card, PIN problems and emergencies

• Lost or stolen card: block it at once in the C3Pay app (Profile, then Block/Unblock my Card). Your employer requests a replacement through the Edenred Payroll portal.
• Need money but have no card: you can send money home through the app, or request a cash cheque by emailing support.AE@edenred.com and collect it from Edenred’s Dubai office in Business Bay.
• Forgot your PIN: view it again in the app. If you cannot access the app, use WhatsApp support and receive the PIN by SMS after security checks.
• Card retained by an ATM: block the card in the app and ask your employer for a replacement card.

Is a C3 card a bank account?

No. A C3 card is a prepaid payroll card, not a current or savings account, so it has no cheque book, no overdraft and no access to bank loans. It is still useful for workers who earn below the minimum salary that banks ask for, and the card can be used for shopping in stores and online, abroad and at ATMs anywhere Mastercard is accepted. Edenred also confirms you can keep savings on the card, although it pays no interest and is not covered like a bank deposit account.

If your salary increases, a bank salary account gives you credit cards, loans and a full IBAN. Compare options in our FAB salary account guide. If your employer pays you on another card, see our guides for Ratibi cards, LuLu salary cards and Al Ansari PayPlus cards.

Keep your C3 card and salary safe

• Use only the C3Pay app from Edenred UAE and Edenred’s own website, edenred.ae.
• Never type your card number, PIN or OTP into a third-party “balance check” website or send them by SMS to unknown numbers.
• Cover the keypad at ATMs and refuse help from strangers.
• Turn on salary and transaction alerts so you notice any use of your card straight away.
• When you change jobs, your final settlement still comes through WPS; estimate it with our UAE gratuity calculator.

For anything that needs access to your card account, the official sources are the C3Pay page on edenred.ae, the call centre on 600 56 7772 and Edenred’s head office in Business Bay, Dubai (T +971 4 521 4000).

This guide is part of our UAE Banking and Finance Guide.