To perform a LuLu salary check instantly, the most reliable method is the LuLu Money App. Simply log in with your Emirates ID details, tap LuLu Money Cards on the home screen (or More > My Cards) and your available balance shows at the top. Without the app, check at any UAE ATM (AED 2 per enquiry) or call LuLu on 600 522 204.
Check Your Balance Now:
- Download the App: Install “LuLu Money” from the App Store or Google Play.
- Register: Use your Emirates ID and mobile number to create a verified account.
- Link Card: Enter the 16-digit number on your LuLu Money Salary Card to view live data.
Method 1: LuLu Salary Card Balance Check Online (App)
The digital route is the most efficient way to manage your finances without visiting a branch. The app provides real-time data on your salary credit, ensuring you know exactly when your wages are deposited under the Wage Protection System (WPS).
Using the LuLu Money App
Follow these steps to check your funds without incurring fees.
Step 1: Log In securely
Open the application and sign in using your biometrics (FaceID/Fingerprint) or your 4-digit PIN.
Step 2: Open LuLu Money Cards
Locate the card icon or the “Payroll” section on the bottom navigation bar or main dashboard.
Step 3: Select your Salary Card
If you have multiple accounts (e.g., a wallet and a salary card), ensure you tap the specific LuLu Money Salary Card image.
Step 4: View Balance
On the My Cards page, your card appears at the top with the available balance in AED. From the same page you can see transactions, set limits, reset your PIN, or block and replace the card.
Which LuLu salary card do you have?
LuLu Exchange issues two payroll cards under the Wages Protection System (WPS). Check the front of your card, because the free ATMs and fees differ:
| Card | Network | Free ATM use |
| MyPay: MyCard | Mastercard, issued with FAB | First 2 withdrawals and 2 balance checks a month at FAB ATMs |
| LuLu Money Card | Mercury, managed in the LuLu Money app | Withdrawals at LuLu Exchange branches |
If your card shows the FAB name, it is a MyPay card, which is why many people search for a “LuLu FAB salary card”. For FAB-specific checks, see our FAB salary card guide.
Method 2: LuLu ATM Balance Check (Offline)
If you do not have internet access, you can use the vast network of ATMs across the UAE. LuLu Money cards run on the Mercury network and MyPay cards on Mastercard, so both work at UAE bank ATMs.
Steps for ATM Inquiry
Step 1: Locate an ATM
Any UAE bank ATM works. If you have a MyPay card, use a FAB ATM for your first 2 free balance checks and withdrawals each month.
Step 2: Insert Card and PIN
Slot your card into the reader and enter your confidential 4-digit PIN code.
Step 3: Select Inquiry
From the main menu, select “Balance Inquiry” (Language options usually include English, Arabic, and Hindi).
Step 4: View or Print
The screen will show your balance. You can choose to print a receipt, though some banks may charge a nominal fee for the paper slip.
Method 3: Customer Care and Branches
LuLu Exchange does not publish an SMS balance service, so ignore message formats you may see online. Use these instead:
Call LuLu customer care
Call 600 522 204 (24 hours) or email customercare@ae.luluexchange.com to check your balance, block a lost card, or ask about a missing salary.
Visiting a Branch
Visit any LuLu Exchange branch with your card and Emirates ID. Staff can check your balance, and cash withdrawals at LuLu branches are free for both card types.
LuLu Salary Card Fees (Official)
Understanding the costs associated with your LuLu Money Salary Card prevents unexpected deductions. While the card is designed to be low-cost for workers, certain actions carry fees.
| Service | Typical Fee (AED) | Notes |
| App balance check | Free | LuLu Money app, any time. |
| ATM balance enquiry | AED 2 | MyPay card: first 2 a month free at FAB ATMs. |
| Withdrawal at LuLu Exchange branches | Free | Both cards. |
| ATM withdrawal in the UAE | AED 2 | MyPay card: first 2 a month free at FAB ATMs. |
| ATM withdrawal abroad | AED 21 + 1% | Plus the foreign bank’s own charges. |
| Declined transaction | AED 2 | For example, not enough balance. |
| Dormant / inactive card | AED 2 a month (MyPay), AED 3 a month (LuLu Money) | Charged on unused cards. |
| Card replacement | AED 20 (MyPay), AED 15 (LuLu Money) | Up to 15 or 5 working days. |
| Card statement | Free in the app; AED 10 by call centre (LuLu Money), AED 25 (MyPay) | App statements are instant. |
Troubleshooting Common Issues
If you cannot access your funds or view your balance, it is usually due to one of the following reasons.
Card Blocked or Inactive
If you enter your PIN incorrectly three times at an ATM, your card will be temporarily blocked for security. You must call LuLu customer care or visit a branch to reset it.
WPS Salary Delay
Sometimes the balance is zero because the employer has not yet processed the file. Check if your colleagues have received their SMS notifications.
Expired Emirates ID
Banks and exchange houses in the UAE are required to freeze accounts if the linked Emirates ID (EID) expires. Ensure your EID is updated in the LuLu system.
Pro Tip: Avoid checking your balance at ATMs repeatedly. Each ATM balance enquiry costs AED 2 (beyond any free ones), and a declined withdrawal costs another AED 2. Always use the LuLu Money App for unlimited, free checks.
Final Thoughts
The LuLu Money Salary Card is a vital tool for thousands of expatriates in the UAE, offering a safe alternative to carrying cash. While the LuLu ATM balance check is useful in emergencies, adopting the mobile app is the smartest financial move. It offers zero fees, higher security, and a history of your transactions to help you budget better.
Remember to keep your PIN confidential and update your Emirates ID records promptly to ensure uninterrupted access to your hard-earned salary.
Frequently Asked Questions
How do I check my LuLu card balance check online?
Download the LuLu Money App, register with your Emirates ID, and link your salary card. Once logged in, the dashboard shows your current balance in real-time for free.
Is there a LuLu ATM balance check fee?
Yes. LuLu charges AED 2 per ATM balance enquiry (plus VAT). If you have a MyPay card issued with FAB, your first 2 balance checks and withdrawals each month at FAB ATMs are free. Checking in the LuLu Money app is always free.
What is the customer care number for LuLu Exchange?
Call 600 522 204 (24 hours) or email customercare@ae.luluexchange.com. They can check your balance and block or replace a lost card.
Can I use my LuLu salary card internationally?
Yes. LuLu Money cards run on Mercury and MyPay cards on Mastercard. An ATM withdrawal abroad costs AED 21 plus 1% of the amount, on top of the foreign bank’s own charges.
How do I know if my salary has been credited?
You should receive an SMS notification on your registered mobile number immediately upon salary credit. You can also verify this by refreshing the balance in the mobile app.
Why does my LuLu salary card say FAB?
LuLu’s MyPay: MyCard is a Mastercard issued with First Abu Dhabi Bank (FAB). It is still a LuLu payroll card, and you get your first 2 withdrawals and balance checks free each month at FAB ATMs.
What is the LuLu card ATM withdrawal fee?
AED 2 per withdrawal at UAE ATMs (MyPay cards get 2 free a month at FAB ATMs), free at LuLu Exchange branches, and AED 21 plus 1% abroad. Fees exclude VAT.
Does LuLu charge if I do not use my salary card?
Yes. A dormant or inactive card is charged AED 2 a month (MyPay) or AED 3 a month (LuLu Money). Withdraw any remaining balance if you stop using the card.
Last Updated: October 2026
Reviewed By: Editorial Team (FinTech Desk)
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Author: The DubaiHowto Editorial Team
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Last reviewed: February 2026. Sources: Official UAE portals and service providers