If you’re a Ratibi payroll cardholder in the UAE, knowing how to keep track of your salary and expenses is essential. With Ratibi FAB Balance Check options now more diverse than ever, you can easily view your balance using SMS, ATMs, or the official FAB mobile app. This flexibility means you’re never far from knowing exactly how much money is in your account, whether you’re on the move, at work, or at home. In this guide, we’ll walk you through each method step-by-step so you can choose the one that fits your lifestyle best.
Why Ratibi Cardholders Should Check Their Balance Regularly
The Ratibi payroll card, provided by First Abu Dhabi Bank (FAB), is designed for employees who receive their salaries through electronic payment rather than traditional accounts. While convenient, it’s important to track your balance regularly to:
Avoid overspending.
Keep tabs on salary deposits.
Detect unauthorized transactions quickly.
Plan monthly expenses effectively.
1. Ratibi FAB Balance Check via SMS
One of the quickest and most straightforward ways to check your balance is through SMS banking. This method doesn’t require internet access, making it perfect for people with basic mobile phones or those in areas with poor connectivity.
How to Use SMS Balance Checking:
Make sure your mobile number is registered with FAB for SMS banking.
Open your phone’s messaging app.
Send the relevant keyword or code to FAB’s designated SMS number (you can get this from FAB customer service).
Within seconds, you’ll receive a reply with your current balance.
Advantages:
Works without internet access.
Instant response in just a few seconds.
Simple process for all users.
Things to Keep in Mind:
There might be a small SMS fee depending on your telecom provider.
Ensure your phone number is always updated with FAB to receive alerts.
2. Ratibi FAB Balance Check via ATM
If you prefer a more traditional method, checking your balance at an ATM is a reliable option. Ratibi cardholders can use FAB ATMs or even other UAE banks’ ATMs in most cases.
Steps to Check Balance at an ATM:
Insert your Ratibi card into any FAB ATM.
Enter your PIN code.
Select the “Balance Inquiry” option from the menu.
View your balance on the screen or print a receipt for your records.
Advantages:
No internet or mobile data required.
Access to other ATM services like cash withdrawal or mini statements.
Tips for ATM Usage:
Always shield your PIN entry for security.
Use FAB ATMs where possible to avoid extra fees from other banks.
3. Ratibi FAB Balance Check via FAB Mobile App
For tech-savvy users, the FAB Mobile Banking App offers a complete banking experience, including balance checks, transaction history, and more.
Steps to Check Balance via the App:
Download the FAB Mobile App from Google Play or the Apple App Store.
Log in using your online banking credentials or set up biometric login for faster access.
Tap on your Ratibi card account to view your available balance and latest transactions.
Advantages:
24/7 access from anywhere with an internet connection.
Secure login and encryption for your data.
Additional features like money transfers, bill payments, and card management.
Pro Tip: Enable push notifications in the app to receive instant alerts whenever your salary is deposited or a transaction occurs.
Which Method Should You Choose?
Each balance-checking method has its strengths:
SMS: Best for quick checks without internet.
ATM: Good for in-person verification and getting receipts.
App: Ideal for a full digital banking experience with added features.
Many Ratibi cardholders use a combination of these methods depending on their needs. For example, you might check via SMS during work hours, use the app at home, and confirm your balance at an ATM when withdrawing cash.
Security Tips for Ratibi FAB Balance Check
Regardless of which method you use, always keep your financial information safe:
Don’t share your PIN or SMS codes with anyone.
Only download the FAB app from official app stores.
Log out of the app after use if you’re on a shared device.
Update your contact details with FAB to ensure you receive all alerts.
Troubleshooting Common Issues
Sometimes, you might run into issues while trying to check your balance. Here’s what to do:
SMS not working: Confirm that your mobile number is registered with FAB and that you have enough credit to send a text.
ATM not showing balance: Try another ATM or check if your card is still valid.
App login problems: Reset your password through the “Forgot Password” option or contact FAB support.
Final Thoughts
Ratibi FAB Balance Check services give you complete control over your salary management in the UAE. Whether you choose SMS for its simplicity, ATMs for in-person reliability, or the mobile app for its all-in-one features, FAB ensures you can always access your balance quickly and securely. By combining these methods with smart security practices, you’ll never be caught off guard when it comes to your finances. For more helpful UAE banking tips and guides, visit UAE Mood.
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