Step into the digital era where the hassle of in-person bank visits is a thing of the past, replaced by the convenience of a few taps on your smartphone. Thanks to the Ratibi card salary check, you can quickly pay your employees their salaries without them having a bank account.
We will look at what the Ratibi salary check card entails; how to check the Ratibi salary card balance and other important information you need to know to utilize this financial resource.
What Is Ratibi Salary Check Card?
The Ratibi salary check card is provided by First Abu Dhabi Bank (FAB). It offers a convenient avenue for employers who pay their employees up to AED 5,000 without needing a bank account.
With the Ratibi salary check card, employers can seamlessly transfer salaries onto these cards, obviating the need for physical checks or cash disbursements. Like a standard debit card, Ratibi Cards enable cash withdrawals from ATMs, purchases at point-of-sale (POS) terminals, and online shopping.
Ratibi Cards minimizes expenses linked with check printing, distribution, or managing large cash amounts, thus fostering cost savings for employers and employees. It has a PIN and often additional security features that ensure its safety and privacy. One of the significant benefits of the card is that it offers enhanced safety compared to carrying physical cash. Also, as an employee, you can securely conduct transactions at retailers and access your funds globally without needing a bank account, saving you money on banking fees.
Ratibi salary check card, also called the payroll prepaid card, comes with several benefits. They include:
- Free personal accident insurance coverage.
- Access to the largest ATM and CDM network 24/7 at no cost.
- There are no required minimum balance requirements or charges for cardholders.
The benefit of Ratibi Salary Check Card To Employers
- Stress-free salary payment solution.
- Real-time card management via online banking.
- Alternative services for salary processing to meet corporate requirements.
- Secure salary transfers from corporate accounts to Ratibi prepaid cards via online banking.
The benefit of Ratibi Salary Check Card To Employees
- Receive free SMS alerts for every salary credit.
- Utilize the card at all ATMs, in-store, and online.
- Access VISA/MasterCard networks worldwide.
- Receive customer support through our 24/7 call centre.
- Select your PIN from our ATMs.
- Fully compliant with the UAE Government’s WPS guidelines.
- Offers free personal accident insurance provides coverage in the event of permanent total disability or death due to an accident, with benefits up to 5 times the monthly salary or a maximum of AED 25,000.
- Offers insurance coverage for hospitalization due to an accident for at least 24 hours, qualifying for a daily cash benefit of AED 50 for up to 30 days, with a maximum of AED 1,500.
- Safe and Convenient:
- Eliminate the risk of carrying cash.
- Secure and easy way to receive your wages with immediate salary crediting.
- Fully automated service for added convenience.
Eligibility Criteria:
Here are the conditions and requirements that an employer must satisfy to get a Ratibi Salary Chcek Card:
- You must hold a corporate account with First Abu Dhabi bank
- Your employees must be UAE residents.
- Your employees must have complete and updated KYC details.
As an employer, you are the point of contact between First Abu Dhabi Bank and your employees, and you are to educate your employees on how to use and handle the card efficiently.
How Can I Check My Ratibi Balance Online?
Here are the steps to take to check your Ratibi balance online:
Step 1: Access the Ratibi Card Inquiry Page
First, go to your web browser and click on the official FAB Card Inquiry page.
Step 2: Provide the Last Two Digits of Your Card
Locate the field requesting the “Last 2 digits” of your Ratibi Card number. Enter these digits accurately.
Step 3: Input Your Card ID
Next, you’ll be asked to input your “Card ID” in another field. Ensure that you enter this information correctly to proceed.
Step 4: Click on the ‘Go’ Button
Once you’ve filled in all the required information, click the “Go” button. Your Ratibi Card balance will then be promptly displayed on the screen.
Can I Check My ATM Balance Online?
As a First Abu Dhabi Bank customer, you can check your ATM balance online via the FAB Bank Website and the FAB Mobile App.
Through the FAB Bank Website
- Go to the FAB Bank Website and log into your account.
- Dial the “Accounts” tab to access and review your account balance.
- The website offers functionalities such as requesting a checkbook, managing credit cards, and applying for mortgages.
Using the FAB Mobile App
- Get the FAB Mobile App from either the App Store or Google Play.
- Sign in to the app using your FAB Rewards or FAB ID credentials.
- Go to the “Accounts” tab within the app to check your account balance.
- You can seamlessly transfer funds, pay bills, and oversee your savings account through the mobile app.
For safety reasons, it is advised that you prioritize safety when checking online ATM balance checks. Use a secure internet connection and avoid sharing your password or OTP with anyone.
How Do I Check My FAB Balance Online?
FAB Bank offers an online balance-checking service that allows you to check your balance and conveniently monitor your account balances and transaction history. There are three ways to check your FAB balance: the FAB bank website, the FAB mobile banking app, and FAB ATMs. The FAB bank website and mobile banking app allow you to check your balance online.
Here is the step-by-step guide on how to check your FAB balance online:
Using the FAB Bank Website
Step 1: Visit the FAB website and use the provided link to the card service page. Fill in the required information in the two empty boxes to log in to your account.
Step 2: Enter the last two digits of your FAB card in the first box.
Step 3: Then, input the 16-digit Card ID number found on the front bottom side of your FAB card into the second box.
Step 4: Click the ‘Login’ button once all details are entered.
Step 5: You will be redirected to your account page, where you can view the real-time balance of your FAB bank account.
Using the FAB Mobile Banking App
Step 1: Download the FAB Bank mobile app from your device’s respective app store.
Step 2: Install and open the app. Sign in using your credentials. If it’s your first time using the app, you’ll be required to input your customer ID or debit card number, split the password sent to your email address or phone number, and generate a 6-digit PIN for future logins.
Step 3: Your account balance will be displayed on the homepage once you log in.
Step 4: Additionally, you can access your transaction history and other account details within the app.
What Card Is Used For Salary?
In UAE, the Ratibi credit check card, Emirates NBD Salary Prepay Card, and the Al Ansari Exchange PayPlus card can be used to pay salaries. The Ratibi credit check card is a salary payroll solution tailored to disburse salaries to employees earning up to AED 5,000. These individuals receive their salaries directly onto their cards, eliminating the necessity for a traditional bank account.
Also, the Emirates NBD Salary Prepay Card allows for depositing salaries for employees earning up to AED 5,000. This card offers the convenience of salary withdrawals without mandating having a bank account. It incorporates chip and pin technology for heightened security and is reportedly super environmentally friendly. One of the features of the Emirates NBD Salary Prepay Card is that it supports compliance with regulatory directives for salary payments via the Wage Protection System (WPS). Also, it can be used at all point-of-sale (POS) machines and automated teller machines (ATMs) worldwide where Visa is accepted.
Lastly, the Al Ansari Exchange PayPlus card, a co-branded ATM card that resulted from a collaboration with First Abu Dhabi Bank (FAB), allows salary withdrawals from FAB’s ATMs and Al Ansari Exchange branches through Fawri Machines. This card offers a secure and convenient solution for salary disbursal, ensuring easy and timely withdrawals for workers and employees across the UAE.
What is a Salary Card?
A salary card, or a payroll or prepaid card, is a payment card issued by an employer to their employees to facilitate the disbursement of salaries or wages. Employers load employees ‘ salaries onto these cards electronically instead of issuing paper checks or transferring funds to traditional bank accounts.
Employees can then use the salary card to make purchases, withdraw cash from ATMs, pay bills, and perform other financial transactions like a debit card. Salary cards offer convenience to employers and employees, eliminating the need for physical checks and providing instant access to funds without requiring a bank account.
Salary cards often have features like direct deposit, reloadable functionality, ATM access, and sometimes additional perks like cashback rewards or discounts.
Conclusion
The Ratibi salary check card is offered by the First Abu Dhabi Bank (FAB). It provides a streamlined payroll solution for employers and employees in the UAE, where employees can efficiently disburse up to AED 5,000 salary to their employees without having bank accounts.
With benefits such as stress-free salary payment processing, enhanced safety through digital transactions, and access to additional perks like free insurance coverage, the Ratibi card is a beacon of convenience in the digital era. Its accessibility through online balance-checking options adds further convenience, ensuring employers and employees can easily manage their finances.
