FAB Salary Check: Salary Inquiry & Ratibi Card (2025)

FAB bank salary account balance check is one of the most important financial tasks for employees in the UAE. First Abu Dhabi Bank (FAB) offers multiple convenient methods to instantly verify your salary credit. This guide is for FAB account and Ratibi Prepaid card holders to know about FAB salary check procedures.​

What is FAB Salary Check?

FAB salary check is a banking service that allows employees to verify their monthly salary deposits through various digital and physical channels. This service enables account holders to confirm salary credits instantly without visiting a branch, helping employees track their income accurately and manage their finances effectively.​

The service is particularly valuable for employees receiving salaries through the Wages Protection System (WPS), which ensures timely and accurate salary payments as mandated by UAE labor regulations.​

FAB Salary Payment Systems

Regular FAB Salary Check

Regular FAB salary accounts are traditional bank accounts where employers transfer monthly salaries directly. These accounts offer comprehensive banking features, including online banking, mobile app access, debit cards, and full transaction history.​

Ratibi Prepaid Salary Card

The Ratibi Card is a specialized prepaid Ratibi salary card designed for employees earning AED 5,000 or less monthly. This WPS-compliant card allows employees to receive salaries without maintaining a traditional bank account, making it ideal for workers who prefer simpler banking solutions.​

Key Ratibi Card Benefits:

  • No bank account required for salary receipt​
  • Free SMS alerts on salary credit​
  • Global acceptance at Visa/Mastercard networks​
  • ATM cash withdrawals worldwide​
  • Free accident insurance coverage up to AED 25,000​
  • Immediate salary crediting through WPS​
  • No minimum balance requirements​
  • Zero monthly maintenance charges​

How to Check FAB Salary: 8 Proven Methods

Fab Salary Check Via FAB Mobile App 

The FAB Mobile app provides the fastest and most convenient way to check your salary deposit with real-time updates.​

Step-by-Step Process:

Check Balance Button
fab salary check via FAB Mobile app
  • Download the FAB Mobile app from the Google Play Store or the Apple App Store​
  • Open the app and tap “Already a customer.“​
  • Log in using your customer ID or debit/credit card number​
  • Enter the split password sent to your registered mobile number and email​
  • Create a 6-digit PIN for future logins​
  • Your account balance and recent salary credit appear on the home screen​
  • Navigate to the “Accounts” section to view the detailed transaction history​

Advantages:

  • Instant balance updates in real-time​
  • Push notifications for salary deposits​
  • Complete transaction history access​
  • Secure biometric login (Face ID/Touch ID)​
  • Download bank statements directly​
  • Available 24/7 from anywhere​

FAB Bank Salary Check By Online Portal

FAB’s online banking platform offers comprehensive salary checking through desktop or laptop browsers.​

FAB salary check
FAB Bank Salary Check By Online Portal

Steps to fab balance check salary online:

  • Visit the official FAB website at bankfab.com​
  • Click the “Login” button in the top right corner​
  • Enter your username and password​
  • Complete OTP verification sent to your phone/email​
  • Navigate to the “Accounts” section​
  • Select your salary account to view the balance and recent deposits​
  • Review transaction history to confirm salary credit date and amount​

Benefits:

  • Complete transaction history viewing​
  • Download account statements for any period​
  • Access from any device with internet​
  • Detailed financial insights and reporting​

Ratibi Prepaid Card Inquiry Portal

For Ratibi cardholders, FAB provides a dedicated online portal for instant FAB balance checks without login requirements.​

Quick Balance Check Steps:

  • Visit the FAB Prepaid Card Inquiry page at ppc.bankfab.com​
  • Enter the last 2 digits of your 16-digit Ratibi card number​
  • Input your Card ID found on the lower left corner of your card​
  • Click the “Go” button​
  • Your current balance and recent transactions display immediately​

Important Note: Ensure you enter correct details, as incorrect information will prevent balance display.​

FAB Bank Salary Check via SMS Banking

SMS banking provides salary balance information through text messages without internet connectivity.​

Activation and Usage:

  • Register for SMS banking at any FAB branch or ATM​
  • From your registered mobile number, compose a new SMS​
  • Type “BAL” followed by the last 4 digits of your account/card number​
  • Send the message to 2121​
  • Receive your salary balance via SMS within 1-2 minutes​

Advantages:

  • Works without an internet connection​
  • Quick response time​
  • Available anytime, anywhere​
  • No smartphone required​

Check FAB Account Salary At ATM Balance Inquiry

FAB ATMs across the UAE offer immediate salary balance checks at no charge.​

ATM Check Procedure:

  • Locate the nearest FAB ATM using Google Maps or the FAB app​
  • Insert your FAB debit card or Ratibi card​
  • Enter your 4-digit PIN securely​
  • Select “Balance Inquiry” from the menu options​
  • View your salary account balance on screen​
  • Optional: Print a receipt for your records​

Key Points:

  • Free at all FAB ATMs​
  • Non-FAB ATMs may charge fees​
  • Provides mini-statement of last 5-10 transactions​
  • No internet needed​

Salary Check FAB By WhatsApp Banking

FAB’s WhatsApp banking service offers convenient salary checking through the popular messaging app.​

How to Use WhatsApp Banking:

  • Save FAB’s WhatsApp number: +971 50 396 6060 in your contacts​
  • Open WhatsApp and send “Hi” or “Balance” to start conversation​
  • Complete identity verification with OTP or account details​
  • Select “Balance Inquiry” from the menu options​
  • Receive your salary account balance instantly​

Additional Features:

  • Check transaction history​
  • Transfer funds between accounts​
  • Pay utility bills​
  • Available 24/7​

Salary Check By Phone Banking

FAB’s customer service provides salary balance information over the phone.​

Phone Banking Steps:

  • Dial 600 52 5500 from within UAE (or +971 2 681 1511 from outside UAE)​
  • Follow the IVR (Interactive Voice Response) instructions​
  • Select the balance inquiry option​
  • Authenticate using your account/card details and PIN​
  • Listen to your salary account balance​
  • Alternatively, speak to a customer service representative for assistance​

Benefits:

  • Available 24/7​
  • No internet or smartphone needed​
  • Direct support from representatives​

FAB Online Salary Check through Payit Wallet App

For Payit users, salary balance checking is integrated within the digital wallet application.​

Payit Salary Check FAB Steps:

  • Download the Payit app from your app store​
  • Register and link your Ratibi card or FAB account​
  • Log in with your credentials​
  • Your salary balance displays on the dashboard immediately​
  • View recent transactions and salary credit notifications​

Payit Plus Benefits:

  • Zero minimum balance requirement​
  • Zero annual fees and charges​
  • AED 50 welcome bonus after three salary transfers​
  • Direct salary transfers to Payit Plus Account​
  • International money transfers with competitive rates​

Comparison of FAB Salary Check Methods

MethodAccessibilityInternet RequiredSpeedTransaction History
FAB Mobile AppAnytime, AnywhereYesInstantYes
Online Banking PortalAnytime, AnywhereYesInstantYes
SMS BankingAnytime, AnywhereNo1-2 minutesNo
ATM Balance InquiryATM Locations OnlyNoInstantLimited
WhatsApp BankingAnytime, AnywhereYes1-2 minutesYes
Phone BankingAnytime, AnywhereNo2-5 minutesNo
Payit AppAnytime, AnywhereYesInstantYes
Branch VisitBranch Hours OnlyNo5-10 minutesYes

Ratibi Card vs Regular FAB Account

FeatureRatibi CardRegular FAB Account
Bank Account RequiredNoYes
Minimum BalanceNo minimum requiredVaries by account type
Monthly Salary LimitAED 5,000 or lessNo limit
SMS AlertsFree notificationsAvailable (may vary)
ATM WithdrawalsYes (All ATMs)Yes
Online PurchasesYesYes
International UsageYes (Visa/Mastercard)Yes
Salary Advance OptionAvailableBased on account type
Account Maintenance FeeFreeMay apply

WPS Salary Timing

The Wages Protection System (WPS) in UAE regulates salary payment deadlines to protect employee rights.​

WPS Key Regulations:

  • Salaries are due one day after the contractually agreed payday​
  • Payments become late if not made within 15 days after the due date​
  • Employers must pay at least 90% of staff each month​
  • Employers must pay at least 80% of each worker’s wage monthly​
  • For employees without a stated payday, salary must be paid at least once per month​

Typical Salary Credit Timeline:

Most UAE employers credit salaries between the 1st and 10th of each month. FAB processes WPS salary transfers instantly once employers initiate payment.​

How to Activate Salary Notifications

Stay informed about salary deposits through automated alerts.​

Notification Setup:

  • Log in to FAB Mobile app​
  • Navigate to Settings or Notifications section​
  • Enable push notifications for account activities​
  • Select “Salary Credit” or “Account Credit” alerts​
  • Choose notification method (push, SMS, email)​
  • Save your preferences​

Notification Types Available:

  • Salary deposit alerts​
  • Balance threshold warnings​
  • Large transaction notifications​
  • Daily balance summaries​

How To Get FAB Salary Certificate

A salary certificate is an official document required for loans, credit cards, visa applications, and rental agreements.​

How to Request:

  • Contact your HR or Administration department​
  • Mention the specific purpose (loan, visa, rental, etc.)​
  • Provide necessary employee details and Emirates ID copy​
  • Processing typically takes 1-3 working days​
  • Certificate printed on company letterhead with official stamp​

Salary Certificate Contents:

  • Employee name and designation​
  • Date of joining​
  • Monthly or annual salary breakdown​
  • Allowances (housing, transportation)​
  • Employer contact information​
  • Company letterhead and official signature​

Common Issues For FAB Salary Checking

Unable to See Salary Balance

Solutions:

  • Verify you entered correct card details (last 2 digits and Card ID)​
  • Ensure your account is active and not blocked​
  • Check if salary has been credited by your employer​
  • Contact FAB customer support at 600 52 5500​

FAB Mobile App Login Issues

Troubleshooting Steps:

  • Reset password using “Forgot Password” link​
  • Clear app cache and reinstall if necessary​
  • Verify internet connection is stable​
  • Ensure you’re using the latest app version​
  • Contact FAB support for account reactivation​

SMS Banking Not Working

Check These Points:

  • Confirm SMS banking is activated on your account​
  • Use registered mobile number only​
  • Verify correct message format: “BAL” + last 4 digits​
  • Send to correct number: 2121​

Ratibi Card Balance Not Updating

Possible Reasons:

  • Employer has not yet processed salary payment​
  • System processing delay (wait 2-4 hours)​
  • Card not properly linked to WPS system​
  • Contact Ratibi support at 600 522 298​

FAB Contact Information for Salary Inquiries

MethodDetails
Phone Banking (UAE)600 52 5500
Phone Banking (International)+971 2 681 1511
WhatsApp Banking+971 50 396 6060
SMS Banking Number2121
Email SupportAvailable through online portal
Branch Locatorbankfab.com/en-ae/locate-us

Tips for FAB Salary Check

Protect Your Account:

  • Never share your PIN, password, or OTP with anyone​
  • Use strong, unique passwords for online banking​
  • Enable biometric authentication (Face ID/Touch ID)​
  • Log out after checking balance on public devices​
  • Monitor account regularly for unauthorized transactions​
  • Report suspicious activity immediately to FAB​
  • Only use official FAB website and app​
  • Avoid checking balance on public WiFi networks​

Frequently Asked Questions

Can I check FAB salary balance without a bank account?

Yes, Ratibi cardholders can check balances using the prepaid card inquiry portal without maintaining a traditional bank account.​

Is there a fee for checking FAB salary balance?

No, all balance inquiry methods are free. However, using non-FAB ATMs may incur charges.​

How long does salary take to reflect in FAB account?

WPS salary transfers appear instantly once employers process payment through the system. Most salaries credit within the first 15 days of each month.​

Can I check salary balance from outside UAE?

Yes, use FAB mobile app, online banking, WhatsApp banking, or call international helpline +971 2 681 1511.​

What if my salary hasn’t been credited on time?

Contact your employer’s HR department first, then reach out to FAB customer support. You can also file a complaint with MOHRE for WPS violations.​

How do I get salary deposit notifications?

Enable push notifications in the FAB mobile app settings or register for SMS banking to receive automatic alerts when salary credits.​

Conclusion

Choose the method that best fits your lifestyle and stay informed about your salary deposits effortlessly. Regular salary checking helps maintain financial awareness, enables better budgeting, and ensures your hard-earned income is safely deposited as expected.

نايان نيراج

Hi, I’m Nayan and I love helping people understand banking better. With significant background and real-world experience in banking sector, I built this site to share practical tips and empower others to get the best from their telecom and banking choices.

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