To perform a FAB salary check online, visit the First Abu Dhabi Bank (FAB) Prepaid Card Inquiry portal. Enter the last two digits of your 16-digit card number in the first box and your unique Card ID (found on the bottom left of the card) in the second box. Click ‘Go’ to instantly view your available balance and last 10 transactions.
Do this next
- Locate your Ratibi Card: Have it physically ready; you cannot check the balance with just your account number.
- Find the Card ID: Look at the bottom-left corner of the card face for a distinct ID number (not the long card number).
- Open the Portal: Go to the official FAB website and navigate to Personal > Prepaid Cards > Prepaid Card Enquiry.
How to Check FAB Ratibi Salary Balance Online?
Most employees in the UAE receiving salary via the Ratibi Prepaid Card (WPS) do not have full internet banking credentials. Instead, FAB provides a dedicated “PPC Inquiry” portal that requires no registration.
Method 1: The PPC Inquiry Portal (Direct Link)
This is the fastest method as it does not require a username or password.
Step 1: Access the FAB Prepaid Card Inquiry page (ensure the URL starts with https://ppc.bankfab.com or navigate via the main site).
Step 2: Locate the box labeled “Enter last 2 digits of Card Number” and type them in.
Step 3: In the next field, enter your Card ID. Note: This is NOT your 16-digit card number. It is the short ID printed on the bottom-left of the card.
Step 4: Click Go.
Step 5: Review your current balance and recent credits/debits on the dashboard.
Method 2: Using the FAB Mobile App
For a modern experience, you can link your salary card to the bank’s official app.
Step 1: Download the FAB Mobile app from the Apple App Store or Google Play Store.
Step 2: Open the app and select “Not a registered user? Register now.”
Step 3: Scan your Emirates ID when prompted.
Step 4: Enter your Ratibi card details to verify ownership.
Step 5: Create a PIN. Once logged in, your salary balance will be displayed on the home dashboard 24/7.
Method 3: Via FAB ATMs
If you do not have internet access, you can use any First Abu Dhabi Bank ATM.
Step 1: Insert your Ratibi card into the ATM slot.
Step 2: Enter your 4-digit PIN code.
Step 3: Select “Balance Inquiry” from the main menu.
Step 4: Choose to view the balance on-screen or print a receipt.
FAB Standard Account vs. Ratibi Card
It is crucial to know which type of FAB inquiry applies to you. The methods differ for standard current account holders versus prepaid salary cardholders.
| Feature | Ratibi Card (WPS) | Standard Current Account |
| Primary User | Blue-collar/WPS employees | Individual/Corporate residents |
| Check Method | PPC Portal / Payit App | Online Banking / Mobile App |
| Login Req. | Card ID + Last 2 Digits | Username + Password |
| Minimum Balance | None | Varies (e.g., AED 3,000) |
| Transfer Type | Salary Credits Only | Full Transfers & SWIFT |
Salary Inquiry Fees & Timelines
While checking your balance is mostly free, knowing the hidden costs helps you manage your salary better.
- Online/App Inquiry: Free (Unlimited).
- FAB ATM Inquiry: Free.
- Non-FAB ATM Inquiry: AED 1.05 (approx., varies by switch network).
- Cash Withdrawal (FAB ATM): Free.
- Cash Withdrawal (Non-FAB ATM): AED 2.10 per transaction.
- Salary Crediting Time: Funds usually appear by 2:00 PM – 6:00 PM on the designated payday, depending on Central Bank processing.
Troubleshooting: “Invalid Card ID” Errors
If you see an error message while checking your Ratibi FAB salary check balance, follow these recovery steps.
Step 1: Wipe the card surface to ensure you are reading the correct numbers; confusion between the Card ID and PAN (16 digits) is the #1 error cause.
Step 2: Ensure your residency visa and Emirates ID are up to date with the bank (KYC update). Expired IDs often freeze the card.
Step 3: Call the dedicated Ratibi helpline at 600 52 2298 (available 24/7).
Step 4: Visit a local FAB branch if the card is physically damaged.
Pro Tip:
Don’t just rely on the main FAB app. Download the Payit digital wallet (powered by FAB). It allows you to link your Ratibi card, send money home internationally at excellent rates, and pay bills without ever queuing at an exchange house.
Final Thoughts
Managing your finances in the UAE requires staying on top of your FAB salary check routine. Whether you use the instant PPC portal or the Payit app, digital tools are faster and safer than queuing at an ATM on payday. Always keep your Card ID private and never share your PIN with anyone, even if they claim to be from the bank.
Frequently Asked Questions
How do I activate my FAB Ratibi card?
Your employer usually hands you an active card. However, you must set your PIN at a FAB ATM before your first withdrawal. Insert the card and follow the prompts to “Generate PIN.”
Is there a specific FAB Ratibi balance check number?
Yes, you can call 600 52 2298 specifically for Ratibi enquiries. For general accounts, the number is 600 52 5500. Follow the IVR prompts to hear your balance.
Why is my salary not showing in the FAB inquiry?
Delays often happen during weekends (Friday/Saturday/Sunday) or public holidays. If your colleagues received their salary and you didn’t, check if your Emirates ID has expired or contact your company’s HR.
Can I check my FAB balance via SMS?
Ratibi users generally receive an automatic SMS when salary is credited. To pull a balance enquiry manually via SMS, you must be registered for FAB SMS banking; send “BAL” to 2121 (standard charges apply).
Last Updated: October 2026
Reviewed by: Financial Data Analyst
Author: The DubaiHowto Editorial Team
DubaiHowto is an independent informational platform created to help UAE residents and visitors understand everyday services such as public transport, telecom, government procedures, visas, fines, and utility systems.
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Last reviewed: February 2026. Sources: Official UAE portals and service providers