What is RATIBI Card? :-
RATIBI is a payroll card program introduced by First Abu Dhabi Bank (FAB) to provide a secure and efficient way for employees to receive their salaries. It is particularly beneficial for low-income workers who may not have access to traditional banking services.
The program follows the UAE’s Wage Protection System (WPS), making sure that salaries are paid on time and according to government rules. With the RATIBI card, employers can make their payroll processes easier, and workers can access their pay in a safe and convenient way.
How to Check RATIBI Salary:-
Employees can check their salary status using the following methods:
Online Portal Login : Access the official RATIBI portal to view transaction history and account balance.
SMS Notifications : Receive real-time updates about salary credits and withdrawals via SMS.
ATM Balance Inquiry : Use any ATM to check the available balance on the card.
Mobile Banking Apps : Some providers offer dedicated apps for managing RATIBI accounts.
SMS Notifications : Receive real-time updates about salary credits and withdrawals via SMS.
ATM Balance Inquiry : Use any ATM to check the available balance on the card.
Mobile Banking Apps : Some providers offer dedicated apps for managing RATIBI accounts.
How to Apply for a RATIBI Card:-
Employer Enrollment Process
- Employers must submit a Ratibi Payroll Enrollment Form to FAB.
- Provide employee details, including name, Emirates ID, and mobile number.
- FAB issues Ratibi cards, which are distributed to employees.
- The card is activated once the first salary is credited.
Employee Registration Requirements
- Valid Emirates ID
- Mobile number for SMS notifications
- Employer-issued work contract
For further assistance, contact FAB customer support at 600-52-5500.
Ratibi SMS Activation & Salary Check via SMS:
How to Activate Ratibi via SMS
- Send an SMS in the format “ACTIVATE <Ratibi Card Number>” to 1234 .
- Wait for a confirmation message indicating successful activation.
- If the activation fails, contact customer support at +971 2 616 0000 .
How to Check Salary via SMS:
- Send an SMS in the format “BALANCE <Ratibi Card Number>” to 1234 .
- You will receive a reply with your current balance and recent transactions.
Note: A nominal fee of AED 1 may apply for this service
How Does Ratibi Work?
Employer Registration
Employers must first register with a participating financial institution, such as FAB, to enroll in the RATIBI program. During registration, they provide details about their workforce and payroll structure.
Salary Disbursal Process
Once registered, employers transfer salaries to a centralized account managed by the financial institution. The institution then disburses the salaries to individual RATIBI cards linked to each employee.
Employee Access
Employees can access their funds through ATMs, POS terminals, or online banking platforms. They can also monitor their account balance via SMS notifications or online portals.
Employer’s Role
Employers play a critical role in managing payroll through the RATIBI system. They are responsible for ensuring accurate salary calculations, timely transfers, and resolving any discrepancies.
Where Can the Ratibi Card Be Used?
- ATM Withdrawals: Withdraw cash from ATMs across the UAE and internationally.
- POS Transactions: Use for in-store purchases at supermarkets, restaurants, and malls.
- Online Shopping: Pay bills and shop online securely.
- Public Transport: Accepted for metro, buses, and other transit systems (if applicable).
Ratibi Card Fees & Charges:-
Service | Fees |
ATM Withdrawal (FAB ATM) | Free |
ATM Withdrawal (Non-FAB ATM) | AED 2 per transaction |
International ATM Withdrawal | AED 20 per transaction |
Card Replacement | AED 25 |
SMS Notifications | Free |
Common Ratibi Card Issues & Solutions:
Delayed Salary Payments
- Contact your employer to verify the salary transfer date.
- Check SMS alerts or online portal for updates.
Card Not Working at ATMs or POS
- Ensure sufficient balance before transactions.
- Contact FAB customer service for assistance.
Lost or Stolen Card
- Call FAB at 600-52-5500 to block the card immediately.
- Apply for a replacement at your employer’s HR department.
Activation Issues
- Double-check the SMS format and resend.
- Contact customer support if activation fails.
Conclusion:
Ratibi is an essential payroll solution for low-income workers in the UAE, offering a secure and convenient way to receive salaries without a bank account. Employers benefit from streamlined payroll management, while employees enjoy hassle-free access to their wages. To apply for Ratibi, employers can contact FAB Bank and ensure compliance with WPS regulations.
For more details, visit the FAB official website or call 600-52-5500 for customer support.
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