Ratibi Prepaid Card – Explore Complete Way Of Luxurious Life In 2024

If you are a resident of the UAE and an employee with a salary of up to 5000 AED, Ratibi is a unique and easy payment system for you. Whether you are an employer or a salaried individual within this range, this outstanding is a great payment option for you. To use this is so simple and easy, and there is no need for a regular bank account. Instead, employees and salaried individuals receive Ratibi cards.

These cards function like prepaid cards, with your salary directly added to them. After depositing your salary onto the card, you can conduct various transactions, such as withdrawing cash from any ATM, making purchases at any store, or paying any type of bill online. This card payment system offers convenience for both employers and employees, doing away with the requirement for paper checks or bank transfers.

It is an easy method for the salaried class to receive their pay promptly. The administration of Ratibi ensures quality, and the payment process is designed to be easy, simple, and smooth for every customer. Whether you are an employer seeking to simplify your payroll or a salaried individual looking for convenient salary payments, this card is an excellent choice for both.

Reasons Why Ratibi is Considered a Game-Changer?

  • Safety First: Providing Free Personal Accident Insurance, this card ensures your protection in case of unexpected accidents.
  • Always Easily Accessible.: Experience 24/7 access to an extensive network of ATMs and CDMs. Bid farewell to worries about finding a convenient location for cash withdrawals or deposits.
  • No Hidden Charges: Say goodbye to worrying about minimum balances or monthly fees. This card is all about giving you financial freedom in the easiest way possible.
  • Worldwide Usability: No care required! Shop locally or travel globally with ease, using this card for painless payments and ATM withdrawals.

The best thing about this card is that you do not need a bank account to use it. This way, you save yourself from heavy bank charges. Now, simply get a Ratibi Payroll Prepaid Card and make your life easier by adopting an easy, secure, and cost-effective money management solution.

Ratibi Balance Check Method of Prepaid Card

ratibi balance check
  1. First of all on Google search, the official website of the bank that issued the Ratibi Prepaid Card.
  2. After this, enter the last two digits from the 16-digit card number, which is located on the upper side of the card.
  3. Enter your 13-digit card ID, located on the lower side of your card.
  4. After entering your card ID number(Ratibi balance check number) , click the “Go” option; the balance of your card will be displayed on the screen.

What are Exclusive Benefits of Your Ratibi Card?

ratibi card salary check

If you’re seeking a convenient and secure way to manage your salary, consider this card as your ideal solution. Here’s the reason::

  • Free SMS Alerts: Each time your salary is credited, you will receive an SMS notification. No need for constant account checking.
  • ATM Access: You can utilize this card at any ATM, not restricted to your bank only. Indeed, that’s true flexibility for you.
  • In-store and Online: Whether you’re shopping at a mall or online, this card offers coverage.
  • Global Reach: With global acceptance through VISA/MasterCard compatibility, your card ensures you have the freedom to use it anywhere in the world, without any geographical restrictions.
  • 24/7 Customer Support: Encountering an issue? Simply give us a call. You can contact customer service at any time, as the staff is available 24/7 to assist you.
  • Personalized PIN: You have the freedom to select your own ‘PIN’ at any ATM. Your security, your rules.
  • UAE WPS Guidelines: The card fully complies with the UAE Government’s Wage Protection System (WPS) guidelines.
  • No More Cash Worries: Carrying cash can pose risks—imagine losing your hard-earned money or falling victim to theft. Going cashless eliminates that worry.
  • Skip the Bank: No bank account? No problem! This system operates seamlessly without one, ensuring accessibility for everyone.
  • Get Paid Easily: Your salary is credited instantly on payday. No need to endure long lines or wait for checks to clear any longer.
  • Automated Convenience: All processes are automated, requiring no manual effort on your part. This leads to fewer errors and faster transactions.
  • Safe and Secure: Rest assured, your money is protected by a secure system, allowing you to relax.

Insurance Benefits If You Have Ratibi

Let’s delve into a unique insurance benefit commonly associated with cards: “Free Personal Accident Insurance.” Here’s what it encompasses:

  1. Death or Disability Cover: The cardholder is eligible to receive financial assistance in the unfortunate event of death or permanent total disability due to an accident. You’ll get five times your monthly salary or a maximum of AED 25,000, providing crucial financial assistance for your family during challenging times.
  2. Hospital Cash Benefit: If you find yourself in an accident requiring a hospital stay of at least 24 hours, you become eligible for a daily cash benefit. You will receive AED 50 per day for a duration of up to 30 days, assisting in covering minor medical expenses, with a maximum limit of AED 1,500.
  3. Repatriation Benefit: If death occurs, the insurance will cover the costs associated with repatriating the mortal remains back to the home country in the unfortunate event. The maximum limit for this coverage is AED 5,000.

Keep in mind, insurance like this serves as a safety net. It is always wise to thoroughly review the terms and conditions. Additionally, seeking advice or assistance from a reputable insurance company is essential to fully understand what you are covered for.

Ratibi Wages Protection System

ratibi customer care number

FAB Bank provides a Wages Protection System (WPS) to facilitate easy and lawful salary payments. Consider it for the following reasons:

  1. Automated service: No need for manual effort! We have a dedicated help desk ready to assist you.
  2. One-Step transfer: Complete all payments with a single bank transfer—no need to juggle multiple transactions.
  3. Safe and convenient: This is a secure way to compensate your employees, eliminating the risks associated with handling cash.
  4. Pay in local currency: Save on expenses and streamline payments by utilizing the local currency in the UAE.

Ratibi Salary Payment for Non-WPS

If you’re in the UAE and using FAB Bank, here’s some good news! They can manage your salary payments in local currency even if your company is not part of the Wage Protection System (WPS).

Here’s how it works in a nutshell: You provide FAB Bank with a file containing all the salary details at once, known as “bulk processing.” This saves time. FAB Bank then deducts a single amount from your account to pay everyone on your team.

Concerned about security? No need to worry. The salary information is highly secure, and only specific people in your company can access these details. So, you save time and maintain privacy. It’s a win-win situation.

Policy and Procedures Guide

  • Open a Corporate Account: If you are an employer, having a Corporate Account with FAB Bank is a prerequisite to obtaining Ratibi cards for your employees.
  • Be the Liaison: As the intermediary, you will facilitate communication between the bank and your employees. All communication regarding Ratibi cards will be routed through you.
  • Teach Card Basics: Guiding your employees on the correct usage and proper care of their Ratibi cards is your responsibility.
  • Handle Lost Cards: If a card gets confiscated by an ATM, it will be destroyed. You will need to apply for a new one on behalf of the employee.


  1. Corporate bank account: Initially, it is mandatory for your employer to have a business account with the bank.
  2. UAE residency: As an employee, it is essential to reside in the UAE. Therefore, ensure that your residency status is in order.
  3. KYC details:It is crucial to keep your “Know Your Customer” (KYC) details up-to-date.This involves maintaining accurate information such as your Emirates ID, address, and financial records.

How to Apply for a Ratibi Card?

  • Ratibi Application: Begin by completing the card application form. Additionally, you need to fill out an Excel sheet with your employees’ details to request Ratibi cards.
  • iBanking Application: Complete the iBanking application form to oversee the cards online. This will provide you with convenient, web-based access to your account.
  • Submission: In the end, submit all the completed forms to your nearest bank branch or at community banking branches in your vicinity.
ratibi balance inquiry

What are the Forms you Must Complete to Get a Ratibi Card?

  • Application Form for Ratibi Payroll Card and Salary Transfer via WPS or Non-WPS: Complete this form to enroll your employees for Ratibi cards, facilitating salary payments.
  • Employees’ Details File: Compile a file containing all essential details of your employees. This ensures accurate salary distribution.
  • WPS SIF File Creator: If you are utilizing the Wage Protection System (WPS), it is essential to create a specific file to ensure accurate and proper payment for everyone.
  • Routing codes: These codes assist in directing salaries to the appropriate bank accounts. Ensure that you have the correct ones.
  • Salary transfer request: Submit this request to transfer funds from your corporate account to your employees’ Ratibi cards or bank accounts.
  • Ratibi – WPS Cancellation Request: If you need to cancel the WPS service for this card, there is a specific form for that purpose.
  • iBANKING Corporate Online Banking Application UAE: Finally, establish online banking to efficiently manage all aspects of your account.

What is a Ratibi Salary Card?

Designed for employees with specific earnings, this prepaid card enables employers to deposit salaries directly, bypassing the need for a conventional bank account.

How Do I Activate My Fab Ratibi Salary Card?

Follow the instructions provided with your FAB Ratibi salary card to activate it. Usually, you can initiate the activation process by calling the provided customer service number or visiting the bank’s website.

What Is the Minimum Salary for a Fab Bank Ratibi Card?

The Fab Bank Ratibi card necessitates a minimum salary of AED 5000. If you receive your salary through Al Rostamani Exchange, you can check your Rpay Balance Enquiry on their dedicated page.


The Ratibi Prepaid Card isn’t just a card; it’s a game-changer for salaries in the UAE. Whether you’re an employer or employee, using this outstanding card is like stepping into a whole new world of simplicity and convenience.

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