To do a salary check online in the UAE, first find out who issued your salary card, because every issuer has its own official channel. C3Pay cards use the C3Pay app, FAB Ratibi cards use the Magnati prepaid card enquiry portal, LuLu cards use the LuLu Money app, Al Ansari PayPlus cards use the Al Ansari Exchange app and RPay cards use the Al Rostamani app. Any ATM on your card’s network also shows the balance, and MOHRE confirms whether your salary went through the Wage Protection System (WPS).
Do this next to check your salary
- Look at the front and back of your card: the logo and the small print name the issuer (C3Pay by Edenred, Ratibi by First Abu Dhabi Bank, LuLu, Al Ansari Exchange or Al Rostamani).
- Open the official app or portal for that issuer from the table below, never a look-alike website.
- No smartphone? Insert the card at an ATM and choose Balance Inquiry, or call the issuer’s helpline.
- Salary still missing after payday? Ask your HR or payroll team first, then contact MOHRE on 600590000.
Which salary card do you have?
Most private-sector employers in the UAE pay wages through the Wage Protection System (WPS), which is run by the Ministry of Human Resources and Emiratisation (MOHRE). Under WPS, salaries can only be paid through banks, exchange houses and other financial institutions authorised by the Central Bank of the UAE. If you earn a lower salary or do not have a bank account, your employer usually pays you onto a payroll card (also called a salary card or WPS card) instead of a current account.
The card itself tells you where to check. The provider’s name or logo is printed on it, and the network logo (Visa or Mastercard) shows which ATMs accept it. The table below lists the main salary cards in the UAE and the official way to check each one.
| Salary card | Provider | Official online check | Offline options | Helpline |
|---|---|---|---|---|
| C3Pay card | Edenred (C3Pay), Mastercard | C3Pay app | Any UAE ATM; C3Pay and RAKBANK ATMs are cheapest | 600 56 7772 |
| Ratibi prepaid card | First Abu Dhabi Bank (FAB) | Magnati prepaid card enquiry portal | FAB ATMs, salary SMS alerts | 600 52 5500 (24/7) |
| LuLu salary card (MyPay MyCard or LuLu Money card) | LuLu Exchange | LuLu Money app | ATM, LuLu Exchange branch | 600 522 204 |
| Al Ansari PayPlus card | Al Ansari Exchange, Visa | Al Ansari Exchange app | Al Ansari branch, call centre | 600 54 6000 |
| Al Ansari PayRoll card | Al Ansari Exchange, closed loop | Not app based | Any Al Ansari branch | 600 54 6000 |
| RPay card | Al Rostamani International Exchange | RPay app | Branch, compatible ATM | See our RPay guide |
| Bank salary account | Your bank (FAB, Emirates NBD, ADCB, Mashreq and others) | Mobile banking app or online banking | ATM, SMS alerts, branch | Your bank’s call centre |
Not sure which one you have? Check your payslip or offer letter, which normally names the WPS agent, or ask your HR team. Each provider below has its own detailed guide on DubaiHowTo.
Salary check methods compared
Every card supports more than one way to check your salary. Pick the method that suits where you are and what you have with you:
| Method | Internet needed | Usual cost | Best for |
|---|---|---|---|
| Official app | Yes | Free | Daily checks, full transaction history |
| Online enquiry portal (Ratibi) | Yes | Free | Quick check without installing an app |
| ATM balance inquiry | No | Free at partner ATMs, small fee elsewhere | Workers without a smartphone |
| SMS salary alert | No | Free where offered | Knowing the moment salary lands |
| Call centre (IVR) | No | Standard call rates | Blocked cards and disputes |
| Branch visit | No | Free | Exchange-house cards and closed-loop cards |
Method 1: Check your salary in the official app
An app is the fastest way to see your balance and every salary credit as soon as it lands. All of the apps below are free from the App Store and Google Play, and most ask you to verify your identity with your Emirates ID and an OTP sent to your registered mobile number the first time you sign in.
C3Pay app (Edenred C3 cards)
The C3Pay app (formerly MyC3Card) shows your available balance and spending history, lets you block or unblock the card, recharge phone credit and send money abroad, for example in INR to India, PKR to Pakistan, PHP to the Philippines, NPR to Nepal, BDT to Bangladesh or LKR to Sri Lanka. The first time you register you complete a short KYC check by scanning your Emirates ID. Edenred also offers optional SMS salary alerts, which you switch on inside the app, so you get a message when your salary is credited. If you also need to move money to a UAE bank account, read our C3 card to bank transfer guide, because the app cannot send to UAE bank accounts yet.
LuLu Money app (LuLu salary cards)
Sign in to LuLu Money with your fingerprint, Face ID or PIN and your card and available balance appear at the top of the My Cards screen. LuLu issues two different salary cards, a MyPay MyCard Mastercard issued with FAB and a LuLu Money card, and the free ATMs differ between them. Our LuLu salary check guide explains how to tell them apart.
Al Ansari Exchange app (PayPlus cards)
Al Ansari Exchange says balance enquiries on the PayPlus card are free in its app, at its branches and through its 24/7 call centre. The full steps, including the Card ID you need, are in our Al Ansari balance check guide.
RPay app (Al Rostamani International Exchange)
RPay cardholders can see their balance on the dashboard of the RPay app after verifying with an OTP. Branch and ATM options are covered in our RPay balance enquiry guide.
FAB Mobile and other bank apps
If your salary is paid into a bank account rather than a prepaid card, log in to your bank’s app or online banking and look for a credit labelled Salary or WPS on the statement. For First Abu Dhabi Bank accounts, see our FAB balance check guide.
Method 2: Check a prepaid salary card online
FAB’s Ratibi Payroll Prepaid Card is designed for employees earning up to AED 5,000 a month and does not need a bank account. Ratibi balances are checked through the Magnati prepaid card (PPC) enquiry portal, often searched as “PPC card inquiry”, which FAB links from its official Ratibi page. No registration or app is needed, and the same portal serves other Magnati-processed prepaid cards.
- Open the official Magnati enquiry page at ppc.magnati.com/ppc-inquiry, or reach it from FAB’s Ratibi page.
- Enter the last four digits of your card number in the field for them.
- Enter the separate Card ID printed on your card. It is not the same as the 16-digit card number.
- Complete the CAPTCHA and select Go to see your available balance.
Some older guides say the form asks for the full card number and your date of birth. The live form we checked asks only for the last four digits and the Card ID, so follow what the official page shows on the day. Step-by-step help with screenshots is in our Ratibi card salary check guide, and the FAB salary check guide covers linking the card to FAB Mobile.
Method 3: Check your salary balance at an ATM
An ATM works for every salary card on the Visa or Mastercard network and needs no internet. The steps are the same everywhere:
- Insert the card at an ATM that shows your card’s network logo.
- Choose your language and enter your 4-digit PIN.
- Select Balance Inquiry (some machines list it under Other Services).
- Read the balance on screen or print the receipt, then take your card.
Whether the enquiry is free depends on your card and the ATM you use:
| Card | Where balance checks are free | What to watch |
|---|---|---|
| C3Pay | App balance view; 2 free withdrawals a month at C3Pay ATMs and 1 at RAKBANK ATMs | AED 2 per withdrawal at other ATMs |
| FAB Ratibi | FAB ATMs and CDMs | Non-FAB ATMs can charge a fee |
| LuLu MyPay MyCard | First 2 balance checks a month at FAB ATMs | Extra checks and other ATMs can cost about AED 2 |
| Al Ansari PayPlus | App, branches and call centre | Visa ATM withdrawals carry charges |
If you check often, the app is usually free and the cheaper choice. Keep your PIN private and never accept help from strangers at the machine.
Method 4: SMS alerts and helplines
SMS is the simplest way to know your salary has arrived without checking anything. FAB sends free SMS alerts on every salary credit to Ratibi cardholders, and C3Pay users can subscribe to salary SMS alerts in the C3Pay app. Make sure your current mobile number is registered with the card provider, or the alerts go to an old number.
If you cannot use an app, call the provider and follow the voice menu for balance enquiry. Have your card ready, because you may be asked for the card number or Card ID. The main numbers are 600 56 7772 for C3Pay, 600 52 5500 for FAB (24/7, +971 2 681 1511 from outside the UAE), 600 522 204 for LuLu and 600 54 6000 for Al Ansari Exchange. More FAB numbers are on our FAB customer care page.
Be careful with SMS short codes you find on unofficial websites. Several sites publish balance codes that the card issuers do not list. Use only the numbers printed on your card or shown on the issuer’s own website.
How to confirm your employer paid your salary through WPS
A balance check tells you what is on the card. It does not tell you whether your employer paid the full amount on time. For that, the Wage Protection System and MOHRE are the official reference.
- When salary is due: under UAE labour rules, wages are due on the date set in your employment contract, and at least once a month if no period is set.
- When salary is late: an employer is considered late if wages are not paid within 15 days of the due date.
- Coverage: MOHRE says WPS now covers more than 99% of private-sector workers, so almost every salary leaves a record.
The system is also known as the Wages Protection System, and since MOHRE and the Central Bank allowed electronic wage payments for domestic workers, many maids, drivers and nannies are now paid the same traceable way. To check your official salary details, sign in to the MOHRE smart app or website with UAE PASS and open your labour contract, which lists your basic salary and allowances. You can also call MOHRE on 600590000 (24/7, also on WhatsApp) for help or to raise a wage complaint. If you need your work permit details first, see how to find your labour card number.
Compare three numbers every month: the salary in your contract, the amount on your payslip and the credit that reached your card or account. If they do not match, ask HR for a written breakdown of any deductions before you take further steps.
Salary not showing? Common reasons and fixes
| What you see | Likely reason | What to do |
|---|---|---|
| Balance unchanged on payday | The employer has not sent the WPS salary file yet | Wait one working day, then ask HR for the payment date |
| Salary lower than expected | Deductions, unpaid leave or a partial transfer | Compare your payslip with your contract and ask HR in writing |
| App shows an error or zero | Old app version, wrong card linked or card blocked | Update the app, re-link the card or call the provider |
| ATM rejects the card | Expired card, wrong PIN or blocked card | Call the helpline; a retained card needs a replacement through your employer |
| No SMS alert | Mobile number not registered or changed | Update your number with the provider or employer |
| No salary for weeks | The employer is not paying | Keep your records and contact MOHRE on 600590000 |
Public holidays and weekends can delay a salary credit by a day or two, because WPS transfers move on banking days. If your salary is still missing more than 15 days after the due date, your employer is late under the rules above.
Stay safe: avoid fake salary check websites
Search results for salary checks include many unofficial sites with “balance” or “check” in their names. Some are simply guides, but some copy the look of bank pages. A real issuer will never ask you to type your full card number, Card ID, PIN and OTP together on a third-party website.
- Check the web address before you type anything. Official pages sit on the issuer’s own domain, such as bankfab.com, edenred.ae, alansariexchange.com or Magnati’s ppc.magnati.com enquiry page.
- Never share your PIN or OTP with anyone, including people who call claiming to be from your bank or employer.
- If you entered card details on a suspicious site, block the card in the app or call the helpline straight away.
Salary card or bank account: which is better?
Payroll cards are made for workers who do not have, or do not need, a bank account. They have no minimum balance, cost nothing to hold and work at shops and ATMs. FAB’s Ratibi card even includes free personal accident insurance. Their limits show up when you need credit, a cheque book or loans, because a prepaid card is not a bank account.
If your salary rises or you want to borrow, a salary transfer account usually makes more sense. Our guides to the FAB salary account and opening a FAB account explain the minimum salary and documents. When you leave a job, your final settlement still arrives through WPS; use our UAE gratuity calculator to estimate the end-of-service amount you should expect.
Where to get official help
Use the official sources below if anything on your card does not look right. They are the only places that can see your account.
- C3Pay: Edenred C3Pay, call centre 600 56 7772 and 24/7 WhatsApp support.
- Ratibi: FAB Ratibi prepaid card page, call centre 600 52 5500.
- Al Ansari: Al Ansari Exchange payroll solutions, 600 54 6000.
- Wage problems: MOHRE on 600590000 or the MOHRE app with UAE PASS.
How can I check my salary online in the UAE?
Use the official app or portal of the company that issued your salary card: the C3Pay app for C3 cards, the Magnati enquiry portal for FAB Ratibi cards, LuLu Money for LuLu cards, the Al Ansari Exchange app for PayPlus cards and the RPay app for Al Rostamani cards. If your salary goes into a bank account, check your bank’s app or online banking.
How do I check my Ratibi card balance online?
Open the Magnati prepaid card enquiry portal linked from FAB’s Ratibi page, enter the last four digits of your card number and your Card ID, complete the CAPTCHA and select Go. No app or registration is needed.
What is the C3Pay customer care number?
The C3Pay call centre number is 600 56 7772, and Edenred also offers 24/7 WhatsApp support for C3Pay cardholders.
Can I check my salary card balance without a smartphone?
Yes. Insert the card at an ATM on your card’s network, enter your PIN and choose Balance Inquiry, or call your card provider’s helpline. FAB Ratibi and C3Pay cardholders can also receive SMS alerts when salary is credited.
How do I know if my employer paid my salary through WPS?
Check that the salary credit appears on your card or account statement, then compare it with your contract in the MOHRE app, which you open with UAE PASS. For problems, call MOHRE on 600590000.
When is a salary considered late in the UAE?
Wages are due on the date in your employment contract, and an employer is considered late if it does not pay within 15 days of that due date.
Is it safe to check my salary on third-party websites?
Only enter card details on the issuer’s official website or app. Unofficial balance check sites are not connected to your card, and you should never share your PIN or OTP with anyone.
Do ATMs charge for salary card balance enquiries?
It depends on the card and machine. Ratibi cards are free at FAB ATMs, C3Pay gives 2 free withdrawals a month at C3Pay ATMs and charges AED 2 at other ATMs, and other banks’ machines can charge a small fee, so the official app is usually the cheapest option.
This guide is part of our UAE Banking and Finance Guide.
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Author: The DubaiHowto Editorial Team
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Last reviewed: February 2026. Sources: Official UAE portals and service providers