FAB Balance Check Online: Salary & Prepaid Cards Enquiry

A FAB balance check lets you view the available money in your First Abu Dhabi Bank account, salary card, Ratibi card or prepaid card. The correct method depends on the type of FAB product you use.

For a regular FAB bank account, the FAB Mobile app and online banking are usually the fastest options. Ratibi and other eligible prepaid cardholders can use the prepaid card enquiry portal by entering the last four digits of the card number, Card ID and captcha.

FAB Balance Check: Quick Method by Card Type

Use this table to choose the correct balance enquiry method before entering any card information.

How to Check a FAB Prepaid Card Balance Online

The online prepaid card enquiry is designed for supported FAB-issued prepaid cards, including Ratibi salary cards. It can be used through a mobile phone, tablet or computer without signing in to a regular FAB bank account.

Details Required for the Online Enquiry

Keep the physical card with you because the portal asks for:

• The last four digits of the card number
• The Card ID
• The captcha code displayed on the screen

The Card ID is not necessarily the same as the 16-digit card number. Look for the separate Card ID printed on the card and enter it exactly as shown.

Step-by-Step FAB Prepaid Card Balance Check

1. Open the FAB or Magnati prepaid card enquiry page.
2. Enter the last four digits of your prepaid card number.
3. Type the complete Card ID printed on the card.
4. Enter the captcha characters shown on the page.
5. Check that every digit is correct.
6. Select the enquiry or Go button.
7. View the available card balance and any transaction information displayed.

The portal currently labels these fields in both English and Arabic, which is useful for UAE cardholders who are more comfortable using either language.

Where Is the Card ID on a FAB Card?

The Card ID is a separate identification number printed on an eligible FAB prepaid or salary card. Its location can vary depending on the card design and issuance period.

Check the front and back of the card carefully. Do not enter your Emirates ID number, employee number, bank account number or the entire Visa or Mastercard number unless the page specifically requests it.

Card Number vs Card ID

Never enter your PIN, one-time password or CVV into an unofficial balance-check form.

FAB Ratibi Card Balance Check

The Ratibi card is a payroll prepaid card used by employers to pay eligible workers without requiring them to open a traditional bank account. FAB describes Ratibi as a salary solution for employees earning up to AED 5,000.

A Ratibi cardholder can normally check the available salary balance through the prepaid card enquiry service or an ATM. The card can also be used for purchases and cash withdrawals where supported.

How to Check Ratibi Salary Online

1. Keep your Ratibi card in front of you.
2. Open the prepaid card balance enquiry page.
3. Enter the last four digits of the card number.
4. Enter the separate Card ID.
5. Complete the captcha.
6. Submit the enquiry.
7. Review the displayed available balance.

The balance shown represents money currently available to spend or withdraw. It does not confirm that a salary was deposited on a particular date unless the portal also displays the relevant transaction.

Ratibi Salary Credit Alerts

Ratibi cardholders may receive an SMS when salary is credited, provided the correct mobile number is connected to the payroll card. FAB lists free SMS alerts for salary credits among the card’s features.

An SMS alert is helpful, but the actual card balance may be lower than the salary amount if the card was used after the deposit. Check recent transactions when you need to confirm both the salary credit and later spending.

How to Check FAB Account Balance Using the Mobile App

FAB Mobile is generally the most practical method for customers with a current account, savings account, debit card or credit card. It shows balances, recent transactions, card details and downloadable statements in one place.

FAB states that its mobile app can be used to manage accounts and cards, view balances and monitor transactions.

Steps to View Your Balance in FAB Mobile

1. Open the FAB Mobile app.
2. Sign in using your registered PIN or biometric login.
3. Select the relevant account or card.
4. View the available balance on the account screen.
5. Open transaction history to review recent deposits and spending.
6. Select statements when you need a formal record.

Customers registering for the app may be asked for a customer number, debit card number or credit card number. Additional identity verification may also be required.

What the App Can Show

Depending on your FAB product, the app may display:

• Current account balance
• Available account balance
• Credit card outstanding balance
• Available credit limit
• Pending card transactions
• Recent salary credit
• Debit card purchases
• Cash withdrawals
• Bank transfers
• Monthly e-statements

The FAB Mobile app supports both English and Arabic and is available for compatible Apple and Android devices.

FAB Balance Check Through Online Banking

FAB online banking is useful for customers who prefer using a desktop or mobile browser. It is intended mainly for regular banking customers rather than people who only hold a Ratibi or prepaid salary card.

Online Banking Balance Enquiry Steps

1. Open the official FAB personal banking website.
2. Choose Personal Online Banking.
3. Enter your registered login details.
4. Complete any required security verification.
5. Open the Accounts or Cards section.
6. Select the account you want to review.
7. Check the balance and recent transaction history.

Online banking can also be used to view credit card balances and download available e-statements. FAB’s service-status information lists account balance, transaction history and credit card balance viewing among its online banking services.

How to Check FAB Balance at an ATM

An ATM balance enquiry is useful when you do not have mobile data, cannot access the prepaid portal or need to verify the amount before withdrawing cash.

Ratibi cards can be used through supported ATM networks, while standard FAB debit cards can be checked at FAB ATMs and other compatible machines.

ATM Balance Enquiry Steps

1. Insert your FAB card into the ATM.
2. Select your preferred language.
3. Enter the card PIN privately.
4. Choose Balance Enquiry or Account Information.
5. Select the relevant account when prompted.
6. View the balance on the screen.
7. Request a receipt only when necessary.
8. Remove your card before leaving.

Cover the keypad while entering your PIN. Do not accept assistance from strangers, and check the card slot for unusual attachments before inserting the card.

ATM Balance Enquiry Fees

A balance check at a FAB ATM may be more suitable than using another bank’s machine. Charges can depend on the card type, ATM operator and applicable banking fee schedule.

Read any fee message shown on the ATM screen before confirming the enquiry. Cancel the transaction when an unexpected charge appears and use the app, online portal or a FAB ATM instead.

FAB Credit Card Balance Check

A credit card balance is different from the amount held in a current or savings account. It usually shows how much has been spent, how much credit remains and what amount is due for payment.

Important Credit Card Figures

Use FAB Mobile or personal online banking to check these figures. FAB lists credit card balance, transaction viewing and e-statement access among its digital banking services.

Current Balance vs Available Balance

The current balance and available balance may not always match. Understanding the difference can prevent declined payments and accidental overspending.

The current balance generally reflects transactions already posted to the account. The available balance is the amount currently accessible after considering holds, pending card payments, blocked funds or other restrictions.

Example

Suppose your account shows a current balance of AED 2,500. A hotel has placed an AED 400 temporary authorisation hold on your card.

Your available balance may be approximately AED 2,100 until the hold is released or converted into a completed transaction.

How to Confirm That Your FAB Salary Has Been Credited

A visible balance alone does not always prove that the latest salary was received. Existing funds may include money left from a previous month, refunds, transfers or other credits.

Use the following checks:

1. Look for a salary-credit SMS.
2. Check the prepaid portal or FAB Mobile balance.
3. Review recent transactions for the employer’s payroll credit.
4. Compare the amount with your salary slip.
5. Ask the employer for the payroll transfer date.
6. Request the WPS reference or payroll confirmation when necessary.

Ratibi is designed as a payroll solution compliant with UAE Wage Protection System requirements.

Why Has My Salary Not Appeared on My FAB Card?

A missing salary does not automatically mean the card is faulty. The issue may occur before the money reaches FAB or while payroll information is being processed.

Common reasons include:

• The employer has not submitted payroll
• The salary file was submitted after the processing cut-off
• Incorrect employee or card details were used
• The card has expired or been replaced
• Payroll was sent to an old card
• The employer’s WPS file was rejected
• A public holiday or weekend affected processing
• The balance portal has not refreshed
• The card is blocked or inactive

Start by checking the transaction history rather than refreshing the balance repeatedly. If no salary credit appears, contact the employer’s payroll or human resources department because FAB cannot credit a salary that has not been successfully submitted.

FAB Balance Is Not Showing: Common Problems and Solutions

Incorrect Card Details

Recheck the last four digits and Card ID. A single incorrect number can stop the prepaid enquiry from loading.

Do not insert spaces unless they are accepted automatically. Make sure you are not confusing the Card ID with the full card number.

Captcha Keeps Failing

Captcha codes may be case-sensitive or difficult to read. Refresh the image and enter the new code rather than repeatedly submitting the old one.

Disable automatic translation or aggressive browser extensions if they interfere with the page. Opening the portal in another browser may also help.

Portal Does Not Load

Try switching between Wi-Fi and mobile data. Clear the browser cache, disable a VPN temporarily and reopen the page in a private browsing window.

The service may occasionally be unavailable because of maintenance. Use an ATM or contact support when the balance is urgently required.

FAB Mobile Login Is Not Working

Update the app and restart the phone. Confirm that the registered SIM is active and that the device has a stable internet connection.

Use the Forgot PIN option when the problem relates to the login PIN. FAB advises customers who continue to see a login or maintenance error to try again later or contact support.

Balance Has Not Updated After a Purchase

Some purchases remain pending before being fully posted. The available balance may change immediately even though the final transaction has not yet appeared.

Hotels, petrol stations, car-rental companies and certain online merchants may place temporary authorisation holds. These are usually released or adjusted after the final transaction is processed.

ATM Shows a Different Amount

The ATM may display the available balance while another channel shows posted or current balance information. Pending transactions and holds can create a temporary difference.

Check the transaction list in the app or portal. Contact support if the difference remains after pending payments have been completed.

FAB Balance Check Without Internet

Customers without mobile data can use an ATM or call the appropriate FAB support service. Ratibi users can also rely on salary-credit SMS alerts when their mobile number is correctly registered.

FAB Customer Care for Balance and Card Problems

Use the support number assigned to your product rather than sharing card information with a third-party website or social-media account.

FAB currently lists the following Ratibi support numbers:

• Within the UAE: 600 52 2298
• Outside the UAE: +971 2 499 6279

For FAB Mobile issues, the bank lists:

• Within the UAE: 600 52 5500
• Outside the UAE: +971 2 681 1511

These numbers can change, so verify the contact details shown on the back of your card or inside the official banking channel before calling.

FAB Balance Check Safety Tips

Balance enquiries involve sensitive financial information. Use the same care you would use when making a bank transfer.

• Enter card details only on an official FAB or Magnati service.
• Check the website address before submitting information.
• Never disclose your card PIN.
• Never share an OTP with a caller or message sender.
• Do not send a photo of both sides of your card.
• Avoid saving card details on a shared device.
• Log out of online banking after checking the balance.
• Use mobile data instead of unsecured public Wi-Fi.
• Do not install apps sent through messaging links.
• Contact FAB immediately after losing your card or phone.

A legitimate balance enquiry should not require remote access to your phone. Anyone asking you to install screen-sharing software, reveal an OTP or transfer money to “verify” the account is likely attempting fraud.

Which FAB Balance Enquiry Method Is Best?

The prepaid enquiry portal is best for Ratibi and supported FAB prepaid cards because it does not require a conventional bank-account login. The FAB Mobile app is better for account holders who want balances, statements and transaction details in one place.

An ATM is useful without internet, while phone support should be reserved for blocked cards, unexplained transactions, missing salary credits or account-access problems.

Frequently Asked Questions

How can I check my FAB balance online?

You can complete a FAB balance check through FAB Mobile or personal online banking if you hold a regular account. Ratibi and supported prepaid cardholders can use the prepaid enquiry portal by entering the last four card digits, Card ID and captcha before submitting the request.

How do I check my FAB Ratibi card salary balance?

For a Ratibi FAB balance check, open the prepaid card enquiry service and enter the last four digits of your card number, the separate Card ID and the displayed captcha. Submit the form to view the available balance, then check recent activity to confirm the latest salary deposit.

Can I check a FAB balance without the mobile app?

Yes. You can perform a FAB balance check using personal online banking, the prepaid card enquiry portal or a compatible ATM. The portal is intended for supported prepaid cards, while online banking serves regular account holders. An ATM requires your physical card and confidential PIN.

Where can I find the Card ID for a FAB balance check?

The Card ID used for a prepaid FAB balance check is printed separately on an eligible salary or prepaid card. Examine both sides carefully and do not confuse it with the main payment card number, CVV, Emirates ID or employee number. Contact Ratibi support if it is unreadable.

Why is my FAB salary balance not updated?

Your FAB balance check may not show a new salary because the employer has not completed payroll, the WPS file was delayed or rejected, incorrect card information was submitted, or the salary went to an older card. Check recent transactions and ask payroll for transfer confirmation.

Can I check my FAB balance at an ATM?

Yes. Insert the card, enter your PIN and select Balance Enquiry to complete a FAB balance check at a supported ATM. A FAB ATM is generally the preferred option. Another bank’s ATM may display a fee notice, so review the screen carefully before confirming the request.

Is the FAB prepaid card balance enquiry free?

The online FAB balance check for supported prepaid cards is generally provided as a balance-enquiry service without requiring a regular online-banking login. Your mobile network may still charge for data use. ATM or phone-related costs can depend on the machine, card type and calling plan.

What should I do if the FAB balance enquiry portal is not working?

Recheck the card details and captcha, refresh the page, change browsers and switch between Wi-Fi and mobile data. If the FAB balance check still fails, use a supported ATM or contact the relevant FAB card service. Never enter card information on an unofficial replacement page.