If you have a Ratibi card from one of the UAE banks (mostly used by companies to pay salaries), checking your salary credit or balance is something you’ll need to do every month. Nothing worse than waiting for payday and not knowing if the money has come in yet.
Here’s the simple, updated guide for 2026 — all the ways to check Ratibi card salary, balance, or transactions. I’ve used it myself and asked friends who get paid through Ratibi — so this is real, practical advice.
What is Ratibi Card?
Ratibi is the UAE’s official salary payment card system. Most companies (especially government and big private ones) pay salaries directly onto Ratibi cards from banks like Emirates NBD, FAB, ADCB, RAKBANK, etc. It works like a normal debit card — you can withdraw cash, pay at shops, use online, etc.
How to Check Ratibi Card Salary / Balance
There are several easy ways — some free, some quick.
1. Bank Mobile App (Fastest & Most Used)
Almost all banks have their own app where Ratibi card is linked.
Common banks & steps:
- Emirates NBD: Open ENBD X app → Cards → Ratibi card → View balance & recent salary credit
- FAB (First Abu Dhabi Bank): FAB Mobile app → Cards → Salary card → Balance & transactions
- ADCB: ADCB Mobile app → Accounts → Ratibi/Salary card → Check balance
- RAKBANK: RAKBANK app → Cards → View Ratibi card details
Tip: Salary credit usually shows as “Salary Credit” or company name on the transaction list. Most apps send push notification when salary hits — turn it on.
2. SMS Balance Check (No Internet Needed)
Many banks allow SMS.
Examples:
- Emirates NBD: Send “BAL” to 2525
- FAB: Send “BAL” to 2424
- ADCB: Send “BAL” to 2626
Reply comes in 5–10 seconds with current balance. Cost: Free or small SMS charge.
Note: Mobile number must be registered with the card — if not, update it through the bank.
3. Bank ATM (Classic Way)
Go to any ATM of your Ratibi card bank:
- Insert card
- Enter PIN
- Choose “Balance Enquiry”
- Select the Ratibi/salary account → Balance shows on screen + receipt option
Tip: Use your bank’s ATM to avoid extra fees.
4. Call Bank Helpline
Call your bank’s customer service:
- Emirates NBD: 600 54 0000
- FAB: 600 52 5500
- ADCB: 600 50 2030
Give card number or Emirates ID — agent tells balance and last salary credit.
Best for: If phone or card not with you.
5. Bank Internet Banking / Website
Log into your bank’s online banking (website or app):
- Go to Accounts/Cards
- Select Ratibi/salary card
- View balance & mini-statement
Note: Some Ratibi cards have limited online access — app is better.
Quick Comparison – Best Ways to Check Ratibi Salary/Balance (2026)
| Method | Fee | Speed | Best For |
|---|---|---|---|
| Bank Mobile App | Free | Instant | Daily use, full history |
| SMS (BAL to bank number) | Free/SMS | Instant | No internet |
| Bank ATM | Usually free | Instant | Cash withdrawal + check |
| Call Helpline | Call charges | 2–5 min | Lost phone/card |
| Internet Banking | Free | Instant | Laptop/computer use |
What to Do If Salary Not Credited or Balance Wrong
- Salary not showing: Wait 1–2 days (sometimes delay from company). If still missing — contact HR first, then bank.
- Wrong balance: Call bank helpline — they can check backend.
- Card not working: Check expiry, block/unblock in app, or call to activate.
- Lost/stolen card: Call bank immediately to block — then request replacement.
Quick Tips from People Who Get Paid on Ratibi
- Save your card number in phone notes — makes checking fast
- Turn on SMS/email alerts in bank app — know the second salary hits
- If company delays salary — tell HR politely but quickly
- Keep AED 50–100 extra on card — covers small emergencies
- Join “UAE Expats” or “Dubai Salary Day” groups on Facebook — people share delay updates
Final Thoughts
Checking Ratibi card salary/balance is super easy once you use the app or SMS. Most people use their bank mobile app — set it up once and you’re sorted for life.
Have you checked your salary on Ratibi recently? Which bank do you have it with? Any delay or issue? Comment below — helps others a lot!
Happy payday! 💰🇦🇪
Any questions? Just ask — I’m here!