FAB Ratibi Card Benefits and Key Advantages: Complete 2025 Guide

The FAB Ratibi Card is a salary prepaid card designed specifically for UAE workers earning AED 5,000 or less monthly. This comprehensive guide reveals all the benefits, features, and practical tips to maximize your Ratibi card experience.

What is FAB Ratibi Card? Complete Overview

The FAB Ratibi Card is a prepaid Mastercard or Visa card issued by First Abu Dhabi Bank specifically for low-income workers in the UAE. It serves as a direct salary payment solution without requiring a traditional bank account.

How FAB Ratibi Card Works

The card operates through the UAE Wage Protection System (WPS), ensuring your salary is paid securely and on time every month.

The Process:

1. Employer Enrollment: Your company applies for Ratibi cards on behalf of eligible employees
2. Card Issuance: FAB processes applications and issues cards within 5-7 business days
3. Salary Credit: Your employer transfers your salary directly to the card through WPS
4. Instant Access: Money is available immediately after credit
5. Daily Usage: Use the card for ATM withdrawals, shopping, and bill payments

Who Is It For?

The Ratibi card targets:

• Manual laborers and construction workers
• Domestic helpers and housekeeping staff
• Retail and hospitality employees
• Security guards and drivers
• Any employee earning AED 5,000 or below monthly

Complete List of FAB Ratibi Card Benefits

1. No Bank Account Required

The biggest advantage: receive and manage your salary without opening or maintaining a traditional bank account.

Why This Matters:

• No minimum balance requirements
• No account maintenance fees
• No documentation hassles
• No credit checks or salary certificates needed

2. Instant Salary Access Through WPS

Your salary is protected and paid on time through the UAE’s Wage Protection System.

Benefits:

• Guaranteed payment dates (no delays)
• Full salary protection by UAE law
• Immediate fund availability after credit
• Transparent salary records
• Government oversight ensures compliance

How It Works: When your employer processes payroll, the money transfers directly to your Ratibi card within hours, not days.

3. Free Card with Zero Annual Fees

Unlike traditional debit cards, the Ratibi card is completely free.

What’s Free:

• Card issuance: AED 0
• Annual maintenance: AED 0
• Salary credits: AED 0
• Balance inquiries: AED 0
• SMS alerts: AED 0
• Card activation: AED 0

4. Wide ATM Network Access

Withdraw cash from thousands of ATMs across the UAE.

ATM Benefits:

Feature	Details
FAB ATMs	150+ locations, completely free
Other Bank ATMs	Available with nominal fees
Daily Withdrawal Limit	Up to AED 5,000
Transaction Limit	Multiple withdrawals allowed
24/7 Access	Withdraw anytime, anywhere

Free ATM Locations:

• All FAB branches
• Shopping malls (Mall of Emirates, Dubai Mall, etc.)
• Metro stations
• Petrol stations
• Residential areas

5. Local and International Acceptance

Use your card anywhere Visa or Mastercard is accepted.

Where You Can Use It:

In UAE:

• Supermarkets (Carrefour, Lulu, Spinneys)
• Restaurants and cafes
• Petrol stations (ENOC, ADNOC, EPPCO)
• Pharmacies
• Retail stores and shopping malls
• Public transport (limited)
• Bill payments through kiosks

International Use:

• Online shopping (Amazon, Noon, Namshi)
• International websites
• Overseas travel (when abroad)
• Foreign currency transactions (conversion fees may apply)

6. Free SMS Balance Alerts

Stay informed about every transaction on your card.

Alert Types:

1. Salary Credit Notification
   • “Your salary of AED XXXX has been credited to your Ratibi card.”
   • Received instantly on payday
2. Transaction Alerts
   • Purchase confirmations
   • ATM withdrawal notifications
   • Failed transaction alerts
3. Low Balance Warnings
   • Alert when the balance falls below AED 100
   • Helps prevent declined transactions

How to Activate: Register your mobile number at any FAB branch or through the Ratibi helpline.

7. Enhanced Security Features

Your money stays protected with multiple security layers.

Security Benefits:

PIN Protection

• 4-digit PIN for all ATM transactions
• PIN required for in-store chip transactions
• Change PIN anytime at FAB ATMs
  Chip & PIN Technology
• EMV chip prevents card cloning
• More secure than magnetic stripe cards
  24/7 Fraud Monitoring
• FAB’s systems detect suspicious activity
• Automatic alerts for unusual transactions
• Instant card blocking if fraud is detected
  Easy Card Blocking
• Call the helpline anytime to block lost/stolen cards
• Zero liability for unauthorized transactions after reporting
  No Overdraft Risk
• Can only spend what’s loaded
• No debt accumulation possible
• No credit checks or credit impact

8. Quick Card Replacement

Lost or damaged cards are replaced quickly with minimal hassle.

Replacement Process:

1. Report: Call 600 52 5500 immediately
2. Block: The Card is blocked within minutes
3. Apply: Request replacement during the same call
4. Collect: Pick up a new card from the designated branch in 3-5 days
5. Activate: Activate a new card at the ATM

Replacement Fee: Usually AED 25-50 (varies by reason)

9. 24/7 Customer Support

Get help anytime you need it.

Support Channels:

• Hotline: 600 52 5500 (toll-free within UAE)
• International: +971 2 681 1511
• Branch Support: Visit any FAB branch
• Language Support: Arabic and English

What They Can Help With:

• Balance inquiries
• Card blocking
• Transaction disputes
• Lost card reporting
• PIN reset
• General queries

10. Simple Balance Checking

Multiple convenient ways to check your balance.

Methods:

1. FAB ATMs – Free, instant balance display
2. Online Portal – Through FAB Ratibi website
3. SMS Alerts – Automatic after each transaction
4. Customer Service – Call and verify via IVR
5. Mini Statement – Print at FAB ATMs

11. Money Transfer Options

Send money to family or friends easily.

Available Transfers:

To Other FAB Accounts

• Through FAB branches
• Instant transfer
• Minimal fees
  Through Exchange Houses
• Partner with major exchanges (Al Ansari, UAE Exchange)
• Transfer to any bank account
• International remittances possible
  Bill Payments
• Pay utility bills through kiosks
• Mobile phone recharge at stores
• Service payments at authorized centers

12. No Credit Check Required

Unlike credit cards or bank accounts, Ratibi cards don’t require credit approval.

Why This Helps:

• Suitable for workers new to UAE
• No employment history needed
• No minimum income beyond eligibility
• No impact on credit score

Key Advantages of FAB Ratibi Card for UAE Employees

Beyond specific benefits, the Ratibi card offers strategic advantages for low-income workers.

Financial Inclusion

Many workers cannot access traditional banking due to income restrictions. The Ratibi card bridges this gap.

Access Benefits:

• Join the digital payment economy
• Build financial habits safely
• Learn money management
• Avoid cash-carrying risks

Safer Than Cash

Carrying large amounts of cash is risky, especially on payday.

Security Comparison:

Cash	Ratibi Card
Can be stolen with no recovery	Blockable with fraud protection
Lost = gone forever	Replaceable with balance intact
No transaction record	Full transaction history
Risk when traveling	Safe and widely accepted
No emergency help	24/7 support available

Cost Savings

The Ratibi card actually saves you money compared to other options.

How You Save:

1. No Check Cashing Fees – Direct salary credit eliminates check cashing charges
2. Fewer Exchange House Visits – Reduce remittance trips and associated costs
3. No Account Minimums – No money locked up in minimum balances
4. Free Services – Most basic banking functions are free

Convenience and Time-Saving

Modern payment methods save you valuable time.

Time Benefits:

• No bank queues on payday
• Pay bills without leaving home
• Shop online without credit cards
• Quick ATM withdrawals
• Instant payment confirmations

Family Support Made Easy

Supporting family back home is simpler with the Ratibi card.

Options:

• Withdraw cash and use exchange houses
• Link with remittance services
• Transfer to family members in UAE
• Build savings before sending money home

Eligibility Requirements for FAB Ratibi Card

To qualify for the FAB Ratibi card, you must meet specific criteria.

Primary Requirements

Salary Limit

• Monthly salary: AED 5,000 or less
• No minimum salary requirement
• Gross salary considered (before deductions)
  Employment Status
• Must be employed in UAE
• Employer must be WPS-registered
• Full-time employment required (not freelance)
  Visa Requirements
• Valid UAE residence visa
• Employment visa sponsored by registered company
• Visit visas not eligible

Employer Participation

• Company must apply on employee’s behalf
• Employer must use FAB for payroll
• Company must be in good standing with WPS

Documents Needed (Usually Provided by Employer)

• Emirates ID copy
• Passport copy with valid visa page
• Employment contract
• Salary certificate (if requested)
• Passport-size photograph

Note: Individual employees typically don’t apply directly. Your HR department handles the application.

How to Apply for FAB Ratibi Card

Standard Application Process (Through Employer)

Since Ratibi cards are employer-initiated, here’s how it typically works:

Step 1: Employer Setup

• Company contacts FAB corporate banking
• Signs agreement for Ratibi card program
• Provides employee list with details

Step 2: Document Submission

• HR collects required documents from employees
• Submits batch application to FAB
• Verifies employee eligibility

Step 3: Card Processing

• FAB processes applications (3-5 business days)
• Cards are printed and prepared
• Employer is notified when ready

Step 4: Card Distribution

• Employer collects cards from FAB
• Distributes to employees
• May provide basic training on usage

Step 5: Activation

• Employee activates card at FAB ATM
• Sets 4-digit PIN
• Card ready for immediate use

Timeline: 7-10 business days from application to activation

What If My Employer Doesn’t Offer It?

If your company doesn’t use FAB Ratibi cards:

1. Ask HR Department – Request they explore this option
2. Benefits for Employer:
   • Simplified payroll processing
   • WPS compliance made easy
   • Reduced cash handling
   • Employee satisfaction
3. Alternative Options:
   • Other banks offer similar WPS cards (Emirates NBD Wage Card, ADCB Hayyak)
   • Basic savings accounts if you meet requirements
   • Exchange house services for salary encashment

How to Check FAB Ratibi Card Balance (4 Easy Methods)

Method 1: Check Balance at FAB ATM

Steps:

1. Locate nearest FAB ATM using branch locator
2. Insert your Ratibi card
3. Enter your 4-digit PIN
4. Select “Balance Inquiry” from menu
5. View balance on screen
6. Optional: Print mini-statement
7. Collect card and receipt

Time: 30 seconds
Cost: Free

Method 2: Online Balance Check Through FAB Portal

Steps:

1. Visit FAB Ratibi official portal (check with employer for exact URL)
2. Enter your 16-digit card number
3. Enter CVV code (3 digits on back)
4. Complete security verification
5. View current balance and recent transactions

Time: 1-2 minutes
Cost: Free
Requirement: Internet connection

Note: Not all Ratibi cards have online access. Check with your employer or FAB.

Method 3: SMS Balance Alerts (Automatic)

Setup Process:

1. Visit any FAB branch with Emirates ID
2. Request to register mobile number for SMS alerts
3. Staff will link your number to the card
4. Receive confirmation SMS

After Setup:

• Automatic SMS after every transaction
• Shows remaining balance
• Salary credit notifications
• No need to manually check

Cost: Free SMS alerts

Method 4: Call Customer Service

Steps:

1. Call FAB Ratibi helpline: 600 52 5500
2. Select language (Arabic or English)
3. Choose “Balance Inquiry” option
4. Enter card number when prompted
5. Verify with last 4 digits of Emirates ID or date of birth
6. Listen to current balance via automated system

Time: 2-3 minutes
Cost: Free

Fees and Charges: Complete Breakdown

Transparency is key. Here’s what you’ll pay (or won’t pay) for various services.

Free Services (AED 0)

Service	Cost
Card Issuance	Free
Annual Maintenance	Free
Salary Credit	Free
Balance Inquiry (FAB ATM)	Free
Mini Statement (FAB ATM)	Free
SMS Alerts	Free
PIN Change (FAB ATM)	Free
Card Activation	Free
Customer Service Calls	Free

Services with Fees

Service	Typical Fee
ATM Withdrawal (Other Banks)	AED 2-3 per transaction
International Transaction	2.5-3% of transaction amount
Foreign Currency Conversion	2-3% markup on exchange rate
Lost/Stolen Card Replacement	AED 25-50
Damaged Card Replacement	AED 25-50
ATM Withdrawal Abroad	AED 10-15 + local fees
Balance Inquiry (Other Bank ATM)	AED 1-2

Note: Fees may vary. Always confirm current charges with FAB before transactions.

Ways to Avoid Fees

1. Use FAB ATMs only – All FAB ATMs are free
2. Withdraw larger amounts less often – Minimize other bank ATM use
3. Avoid international transactions – Use exchange houses for foreign purchases
4. Keep card safe – Prevent replacement fees
5. Check balance at FAB ATMs – Free balance inquiries

How to Use Your FAB Ratibi Card: Complete Guide

Using at ATMs

Cash Withdrawal Steps:

1. Insert card into ATM
2. Select language
3. Enter PIN
4. Choose “Withdrawal”
5. Select account type (usually “Savings”)
6. Enter amount
7. Collect cash and card
8. Keep receipt for records

Tips:

• Count cash before leaving ATM
• Don’t accept help from strangers
• Shield PIN when entering
• Use ATMs in well-lit, secure areas
• Check for card skimming devices

Using at Stores (POS Machines)

In-Store Payment Steps:

1. Tell cashier total amount
2. Insert or tap card in POS machine
3. Enter PIN when prompted (for chip transactions)
4. Wait for approval
5. Collect receipt and card

Signature vs PIN:

• Chip transactions: PIN required
• Swipe transactions: Signature may be needed
• Contactless (if enabled): No PIN for small amounts (under AED 500)

Using for Online Shopping

Online Payment Steps:

1. Select items and proceed to checkout
2. Choose “Credit/Debit Card” payment option
3. Enter 16-digit card number
4. Enter expiry date (MM/YY)
5. Enter CVV (3 digits on back)
6. Enter billing address (use employment address)
7. Complete any 3D Secure verification (OTP)
8. Confirm purchase

Supported Websites:

• Amazon.ae
• Noon.com
• Namshi.com
• Carrefour Online
• Most international sites

Tips for Online Shopping:

• Only shop on secure websites (https://)
• Keep CVV confidential
• Save receipts digitally
• Monitor balance after purchases
• Report unauthorized charges immediately

Bill Payments

Where to Pay Bills:

• ENOC/EPPCO petrol stations (Etisalat, du, DEWA)
• Carrefour bill payment kiosks
• Lulu Hypermarket counters
• Exchange houses
• Authorized payment centers

Common Bills You Can Pay:

• Mobile phone recharge
• Utility bills (DEWA, ADDC, SEWA)
• Internet bills
• Salik toll charges (at kiosks)

Security Features and Tips

Built-In Security Features

1. EMV Chip Technology

• Encrypted transactions
• Difficult to clone
• Dynamic authentication for each transaction

2. PIN Protection

• Required for ATM withdrawals
• Needed for chip-enabled POS transactions
• User-set and changeable

3. Transaction Limits

• Daily withdrawal cap (typically AED 5,000)
• Per-transaction limits
• Prevents massive unauthorized spending

4. Real-Time Monitoring

• FAB systems track unusual patterns
• Automatic blocks on suspicious activity
• Instant alerts for high-value transactions

Your Security Responsibilities

Keep PIN Secret

• Never share with anyone (not even family)
• Don’t write it on the card
• Don’t use obvious numbers (1234, birth year)
• Memorize it instead of storing digitally

Protect Card Physically

• Keep in safe place (wallet, secure pocket)
• Don’t lend to others
• Check for damage regularly
• Report loss within 24 hours

Monitor Transactions

• Check SMS alerts daily
• Review ATM receipts
• Report unknown charges immediately
• Keep transaction records for 6 months

Secure Online Use

• Shop only on trusted websites
• Never share CVV unless purchasing
• Avoid public WiFi for transactions
• Log out after online shopping
  Report Suspicious Activity
• Call 600 52 5500 immediately
• Block card if lost/stolen
• File police report for stolen cards
• Request transaction history if needed

What to Do If Card Is Lost or Stolen

Immediate Actions (Within 1 Hour):

1. Call FAB Helpline: 600 52 5500
2. Request Immediate Block: Card will be deactivated instantly
3. Note Reference Number: For follow-up
4. Check Last Transaction: Verify balance and recent activity
5. File Police Report: Visit nearest police station (for stolen cards)

Next Steps (1-3 Days):

1. Visit FAB Branch: Bring Emirates ID and police report
2. Fill Replacement Form: Provide incident details
3. Pay Replacement Fee: Usually AED 25-50
4. Collect New Card: 3-5 business days
5. Activate New Card: At FAB ATM with new PIN

Financial Protection:

• Zero liability for unauthorized transactions reported within 24 hours
• Up to AED 500 liability if reported after 24 hours
• Full liability if delay exceeds 48 hours

Troubleshooting Common FAB Ratibi Card Issues

Problem 1: Card Declined at POS/Online

Possible Causes:

• Insufficient balance
• Incorrect PIN (3 wrong attempts = blocked)
• Card expired
• International transaction on domestic-only card
• Technical issue with merchant terminal

Solutions:

1. Check balance at ATM
2. Try different payment method
3. Verify card expiry date
4. Contact merchant support
5. Call FAB if issue persists

Problem 2: ATM Not Dispensing Cash

Possible Causes:

• ATM out of service
• Insufficient funds in ATM
• Card issue
• Network connectivity problem

Solutions:

1. Try a different ATM
2. Check if the ATM shows “Out of Service”
3. Verify the balance at the working ATM
4. Call FAB if the amount was deducted, butthe  cash was not received
5. Keep the transaction receipt for proof

Problem 3: PIN Forgotten

Solutions:

1. Visit any FAB branch with your Emirates ID
2. Request PIN reset
3. Staff will verify identity
4. New PIN will be generated
5. Activate at ATM immediately

Cannot be done:

• Over the phone (security reasons)
• Online
• Through employer

Alternative: If the card is new and the PIN has never been set, visit a branch for initial PIN generation.

Problem 4: SMS Alerts Not Received

Possible Causes:

• Mobile number not registered/updated
• Network issues
• Phone memory full
• Incorrect number on file

Solutions:

1. Visit the FAB branch to verify the registered number
2. Update the number if changed (bring the Emirates ID)
3. Clear phone message storage
4. Check the SMS inbox for blocked messages
5. Request test SMS from branch staff

Problem 5: Salary Not Credited

Possible Causes:

• Employer payroll delay
• WPS processing issue
• The wrong card number was provided to the employer
• Public holiday delay

Solutions:

1. Check with your HR department first
2. Verify the employer submitted payroll through WPS
3. Call FAB to confirm the card number is correct
4. Wait 24 hours (processing can take time)
5. File a complaint with the Ministry of Human Resources if the employer issue

Note: WPS typically processes within same business day, but delays can occur during holidays.

Problem 6: Card Damaged or Not Working

Signs of Damage:

• Chip visibly cracked or scratched
• Magnetic stripe worn out
• Card bent or broken
• Not reading in machines

Solutions:

1. Call 600 52 5500 to report damage
2. Visit FAB branch with damaged card
3. Request replacement
4. Pay replacement fee (if applicable)
5. Old card will be destroyed at branch
6. Collect new card in 3-5 days

FAQs About FAB Ratibi Card

Q1: Is FAB Ratibi Card completely free?

A: Yes, the card itself has no issuance or annual fees. You’ll only pay for specific services like replacement (AED 25-50) or using non-FAB ATMs (AED 2-3 per transaction).

Q2: Can I use FAB Ratibi Card for international online shopping?

A: Yes. The card works on Visa/Mastercard networks globally. You can shop on international websites like Amazon, eBay, or booking sites. However, international transactions incur 2.5-3% conversion fees.

Q3: What’s the maximum withdrawal limit per day?

A: Typically AED 5,000 per day. This can vary based on your salary amount and card terms. Check with FAB for your specific limit.

Q4: How do I change my PIN?

A: Visit any FAB ATM, insert your card, enter current PIN, select “PIN Change” option, enter new PIN twice to confirm. PIN change is immediate and free.

Q5: Can I open a savings account with my Ratibi card?

A: The Ratibi card itself is not a savings account. However, if you maintain good financial standing and meet bank requirements, you can apply for a regular savings account with FAB. Speak to a branch representative about upgrading.

Q6: What happens if my employer stops using FAB Ratibi?

A: If your employer switches banks or payment methods, your Ratibi card will be deactivated after final salary credit. You’ll need to transition to whatever new payment system your employer implements. Any remaining balance can be withdrawn before deactivation.

Q7: Can I receive money transfers from friends on my Ratibi card?

A: Generally, Ratibi cards are designed for salary credits only. Person-to-person transfers may not be possible directly. However, you can receive money through exchange houses and then deposit to your card at FAB branches (check availability).

Q8: Is there a minimum salary credit required?

A: No minimum. Whether your salary is AED 500 or AED 5,000, the card works the same way. However, you must earn AED 5,000 or less to qualify for the program.

Q9: Can I have multiple Ratibi cards?

A: No. You can only have one Ratibi card per person. It’s linked to your single salary from your employer. If you change jobs, you’ll need a new card issued by your new employer.

Q10: What’s the difference between Ratibi Card and regular debit card?

Feature	Ratibi Card	Regular Debit Card
Bank Account Required	No	Yes
Minimum Balance	No	Yes (usually AED 3,000+)
Salary Limit	AED 5,000 max	No limit
Monthly Fees	AED 0	AED 25-50
Account Features	Limited	Full banking
Checkbook	No	Yes
Overdraft	No	Possible
Interest	No	Possible

Q11: Can I get a statement for visa applications?

A: Yes. Visit any FAB branch and request a salary certificate or card statement. This shows your regular salary credits and can be used for visa applications, loan requests, or rental agreements. There may be a small fee (AED 20-30) for official stamped statements.

Q12: What if I lose my job? Can I keep the card?

A: Once employment ends and salary credits stop, the card typically remains active with your remaining balance. You can use it until the balance is exhausted. However, no new credits will be added. If you find new employment with a different employer, you’ll need a new card.

Q13: Are there any hidden charges I should know about?

A: Most charges are transparent:

• Foreign currency conversion: ~3%
• International ATM withdrawal: AED 10-15
• Non-FAB ATM usage: AED 2-3
• Card replacement: AED 25-50

Always ask FAB staff for complete fee schedule when you receive your card.

Q14: Can I link Ratibi Card to Apple Pay or Google Pay?

A: Currently, most WPS prepaid cards including FAB Ratibi do not support digital wallets like Apple Pay or Google Pay. Check with FAB for the latest updates as this may change.

Q15: How long does salary credit take?

A: Through WPS, salary is usually credited within 2-4 hours after your employer processes payroll. You’ll receive an SMS notification immediately upon credit.

Comparison: FAB Ratibi vs Other Bank WPS Cards

If you’re choosing between salary card providers, here’s how FAB Ratibi compares:

Feature	FAB Ratibi	Emirates NBD Wage Card	ADCB Hayyak
Annual Fee	Free	Free	Free
ATM Network	150+ FAB ATMs	270+ ENBD ATMs	120+ ADCB ATMs
International Use	Yes	Yes	Yes
SMS Alerts	Free	Free	Free
Customer Support	24/7	24/7	24/7
Online Balance Check	Limited	Yes (Full app)	Yes
Replacement Fee	AED 25-50	AED 30	AED 25
Branch Network	70+ branches	100+ branches	50+ branches

Verdict: All three are good options. Choose based on which bank has ATMs closest to your home/work.

Tips to Maximize Your FAB Ratibi Card Benefits

1. Register Mobile Number Immediately

Get SMS alerts from day one to track every transaction and catch issues fast.

2. Learn ATM Locations

Download FAB branch locator or note 2-3 nearest FAB ATMs to avoid fees at other banks.

3. Withdraw Strategically

Take larger amounts less frequently to minimize ATM visits and potential fees.

4. Use for Bill Payments

Pay mobile, utilities, and other bills directly with card to avoid exchange house queues.

5. Shop Online Safely

Take advantage of online shopping convenience but only on secure, reputable sites.

6. Keep Transaction Records

Save SMS alerts and ATM receipts for at least 3 months to track spending.

7. Set Up a Budget

Know your monthly expenses and allocate salary accordingly to avoid running out before month-end.

8. Don’t Share PIN

Protect yourself by keeping PIN absolutely secret—even from family members.

9. Check Balance Weekly

Regular monitoring helps you spot errors or unauthorized transactions quickly.

10. Save for Emergencies

Try to keep AED 200-500 unused on card for unexpected expenses.

Alternative Options If You Don’t Qualify for Ratibi Card

If your salary exceeds AED 5,000 or your employer doesn’t participate:

1. Basic Savings Account

• Minimum Salary: Usually AED 5,000+
• Benefits: Full banking services, checkbook, interest
• Cost: Monthly fees (AED 25-50)
• Best For: Higher income employees

2. Other Bank WPS Cards

• Emirates NBD Wage Card
• ADCB Hayyak Card
• DIB NOW Salary Card
• Similar benefits to Ratibi

3. Exchange House Services

• Cash salary encashment
• Higher fees
• Less secure than cards
• No digital payment options

4. Digital Wallets

• Payit
• Samsung Pay (limited)
• Beam Wallet
• Require bank account for most features

Government Regulations and Worker Rights

Understanding your rights helps you use the Ratibi card confidently.

Wage Protection System (WPS)

The UAE’s WPS ensures:

• Salaries paid on time (within 15 days of month end)
• Full salary amount as per contract
• Transparent payment records
• No unauthorized deductions
• Government oversight

Your Rights:

• Salary must be paid monthly
• No employer should hold salary beyond grace period
• You can report delays to Ministry of Human Resources
• WPS violations can lead to employer penalties

How to Report Payment Issues

If salary is not credited on time:

1. Contact HR Department – First check if it’s processing delay
2. Verify WPS Status – Confirm employer submitted payroll
3. Call FAB Support – Check if there’s a technical issue
4. File Complaint – Contact Ministry of Human Resources (MOHRE)
   • Call: 600 590000
   • Visit: Nearest MOHRE office
   • Online: Through MOHRE app or website
5. Keep Records – Save all communication and card statements

How FAB Ratibi Card Helps You Build Better Financial Habits

Beyond just receiving salary, the Ratibi card can help you develop smart money management skills.

Track Your Spending

Use SMS Alerts as a Spending Diary:

• Review messages at week’s end
• Identify unnecessary expenses
• Spot spending patterns
• Adjust habits accordingly

Categorize Your Expenses:

• Food and groceries
• Transportation
• Phone and internet
• Remittances home
• Entertainment
• Savings

Create a Simple Budget

Sample Monthly Budget (AED 3,000 salary):

Category	Amount	Percentage
Remittance/Savings	AED 1,200	40%
Accommodation Share	AED 600	20%
Food & Groceries	AED 600	20%
Transportation	AED 300	10%
Phone/Internet	AED 150	5%
Emergency Fund	AED 150	5%

Adjust based on your actual expenses and priorities.

Build Emergency Savings

Why You Need Emergency Money:

• Medical emergencies
• Unexpected travel
• Job loss buffer
• Visa or document renewal fees
• Family emergencies

How to Save:

• Set aside AED 100-200 monthly (even small amounts help)
• Keep emergency fund separate (don’t touch unless urgent)
• Aim for 1-2 months salary as safety net
• Use exchange house to send excess to home country

Avoid Common Money Mistakes

Don’t Do This:

• Spending entire salary in first week
• Lending money without tracking
• Ignoring SMS alerts
• Losing track of small expenses
• Borrowing at high interest rates

Do This Instead:

• Plan spending for entire month
• Keep written records of loans
• Check balance regularly
• Track all expenses, even small ones
• Save before borrowing

Special Features for Different Worker Categories

For Construction Workers

Best Practices:

• Withdraw salary on payday to avoid card loss at site
• Use FAB ATMs near labor accommodation
• Keep card in secure locker when working
• Register family member’s number for SMS alerts (with permission)
• Pay for work shoes, tools via card for record-keeping

For Domestic Workers

Best Practices:

• Keep card with you at all times (it’s your money, your right)
• Memorize PIN—don’t write it down
• Use card for grocery shopping for employer (if given allowance)
• Send remittances through exchange houses directly from card
• Check balance privately to ensure full salary received

For Retail/Hospitality Staff

Best Practices:

• Use card for daily meal purchases
• Pay transportation costs via card
• Shop online for uniforms or work essentials
• Track work-related expenses for potential reimbursement
• Use SMS alerts to verify tip payments (if credited to card)

For Drivers/Delivery Personnel

Best Practices:

• Keep card secure in vehicle (hidden location)
• Use for petrol payments if allowed by employer
• Pay vehicle-related expenses and keep receipts
• Monitor balance for employer reimbursements
• Use ATMs along your regular routes

Future of FAB Ratibi Card: What’s Coming in 2025-2026

Based on banking trends and UAE’s digital transformation:

Expected Enhancements

1. Mobile App Integration

• Dedicated Ratibi card app (possibly)
• Real-time balance updates
• Instant card blocking feature
• Digital card for online use

2. Digital Wallet Support

• Possible Apple Pay/Google Pay integration
• NFC contactless payments expansion
• QR code payment options

3. Enhanced Security

• Biometric authentication
• Real-time fraud alerts
• Spending limit customization

4. Additional Services

• Micro-savings features
• Budgeting tools within app
• Remittance integration
• Insurance options

5. Wider Acceptance

• More bill payment options
• Government service payments
• Public transport integration
• Utility top-ups via app

Note: These are projections based on industry trends. Actual features depend on FAB’s roadmap.

Environmental and Social Impact

The Ratibi card contributes to broader UAE goals:

Financial Inclusion

• Brings 500,000+ workers into digital economy
• Reduces cash dependency
• Enables access to modern payment systems
• Empowers workers with financial tools

Worker Protection

• WPS ensures timely, accurate payments
• Reduces exploitation risks
• Transparent salary records
• Legal protection for workers

Environmental Benefits

• Less paper (checks, receipts)
• Reduced need for physical bank visits (fuel, transport)
• Digital statements vs printed ones
• Fewer plastic cash envelopes

Economic Growth

• Increases digital transaction volume
• Supports cashless economy vision
• Enables better financial data tracking
• Facilitates easier remittances (supports global families)

Real User Experiences: What Workers Say

Positive Feedback

Ahmed, Construction Worker (Salary: AED 1,800) “Before Ratibi card, I had to queue at exchange house on payday. Now money comes automatically. I check balance at ATM and plan my month better.”

Maria, Domestic Helper (Salary: AED 2,500) “I send money home every month. With Ratibi card, I withdraw at Al Ansari Exchange directly. No need to carry cash. Feels safer.”

Raj, Security Guard (Salary: AED 3,200) “SMS alerts help me track every expense. I know exactly where my money goes. Saved AED 4,000 in one year because of better tracking!”

Common Concerns

“I’m worried about losing the card”

• Solution: Keep in secure wallet, memorize PIN separately, report immediately if lost (zero liability)

“What if ATM is far from my accommodation?”

• Solution: Plan withdrawals during work commute, withdraw larger amounts less frequently, check FAB ATM locator

“I don’t understand English well”

• Solution: All FAB ATMs have Arabic language option, branch staff speak Arabic, bring Arabic-speaking colleague for first visit

Pro Tips from Long-Time Ratibi Card Users

Tip 1: Create a “Salary Day Routine”

1. Check SMS confirmation of salary credit
2. Withdraw planned amount for remittance
3. Withdraw cash for weekly expenses
4. Keep rest on the card for emergencies

Tip 2: Use Landmarks to Remember PINs

Instead of writing PIN, associate it with memorable numbers:

• Building number where you live
• Last 4 digits of a trusted family member’s phone
• Significant date (just not birthday)
• Never: 1234, 0000, 1111, or repeated digits

Tip 3: Partner with Coworker for Safety

• Exchange numbers for emergency card blocking
• Share FAB ATM locations you’ve discovered
• Accompany each other on first ATM visit
• Help each other with technical issues

Tip 4: Keep One Month’s Expenses on Card

Don’t withdraw entire salary. Keep AED 500-1,000 on card for:

• Emergency medical needs
• Urgent transport home
• Unexpected work expenses
• Phone credit when needed urgently

Tip 5: Learn Basic Card Terms

Important Terms to Know:

• PIN: Personal Identification Number (4-digit password)
• CVV: Security code on back (3 digits)
• POS: Point of Sale (card machine at stores)
• ATM: Automated Teller Machine (cash withdrawal)
• WPS: Wage Protection System
• EMV Chip: Gold chip on front of card
• Balance: Money available on the card

Checklist: Getting Started with Your FAB Ratibi Card

Use this checklist when you first receive your card:

Day 1: Activation

• [ ] Receive card from employer/HR
• [ ] Check that the card is not damaged
• [ ] Visit FAB ATM within 48 hours
• [ ] Activate card and set PIN
• [ ] Make small test withdrawal (AED 20)
• [ ] Save FAB helpline in phone: 600 52 5500

Week 1: Setup

• [ ] Visit the FAB branch with your Emirates ID
• [ ] Register mobile number for SMS alerts
• [ ] Learn the location of 2-3 nearest FAB ATMs
• [ ] Test card at store for POS purchase
• [ ] Download FAB ATM locator (if available)
• [ ] Memorize PIN (don’t write on card)

First Salary Credit

• [ ] Receive SMS confirmation
• [ ] Check balance at ATM
• [ ] Verify correct amount received
• [ ] Plan monthly budget
• [ ] Withdraw amount needed for remittance
• [ ] Keep emergency buffer on card

Ongoing (Monthly)

• [ ] Check SMS after every transaction
• [ ] Review spending weekly
• [ ] Keep ATM receipts for 1 month
• [ ] Change PIN every 6 months
• [ ] Update mobile number if changed
• [ ] Report any suspicious activity immediately

Important Contact Information (Save These)

FAB Ratibi Card Support

Emergency Hotline (24/7):

• Within UAE: 600 52 5500 (Toll-free)
• Outside UAE: +971 2 681 1511
• WhatsApp: +971 56 654 3210 (Text support)

FAB Main Branches:

• Dubai – Sheikh Zayed Road
• Abu Dhabi – Corniche Road
• Sharjah – Al Khan
• Ajman – Al Nuaimiya
• Check the website for the complete branch list

Branch Hours:

• Saturday to Thursday: 8:00 AM – 2:00 PM
• Friday: Closed
• Public Holidays: Closed

Government Support

Ministry of Human Resources (MOHRE):

• Hotline: 600 590000
• Website: www.mohre.gov.ae
• For salary payment complaints

Police Emergency:

• Emergency: 999
• Non-emergency: 901
• For stolen card reporting

Online Resources

• FAB Website: www.bankfab.com
• FAB Ratibi Portal: (Check with employer)
• ATM Locator: Available on the FAB website
• UAE PASS: For government services

Conclusion

The FAB Ratibi Card offers UAE workers a secure, convenient, and modern way to receive and manage their salary. With zero annual fees, WPS protection, and widespread acceptance, it’s the ideal solution for employees earning AED 5,000 or less. Visit our website for more information.

Related FAB Banking Guides

Explore these comprehensive guides to master your FAB banking:

• How to Deactivate Your FAB Debit Card – Secure your account if the card is lost or stolen
• FAB Balance Check Online – All methods to check your account balance
• FAB Mobile App Full Tutorial 2025 – Master all features of FAB mobile banking
• FAB ATM Locations Near You – Find the closest ATM or branch