The financial sector in the United Arab Emirates continues to grow each year. Many residents prefer simple tools that help them manage their finances easily. First Abu Dhabi Bank offers prepaid options that support both employees and employers with their daily expenses.
These cards give secure payments and smooth access to salaries in one convenient system. They also make routine tasks like a quick FAB Balance Check easy for users. Many people choose them because they work reliably across the country. This guide will help you understand how these cards function and how they support your everyday financial needs.
FAB Prepaid vs Ratibi Card | Key Features, Eligibility, Fees, and More
Overview of FAB Prepaid Cards
Prepaid cards play a useful role in the daily financial life in the United Arab Emirates. Many residents use them to manage their spending in a simple and controlled way. First Abu Dhabi Bank offers prepaid options that support employees, students, and customers who want easy access to basic payment features. These cards work through a load and spend method that allows users to pay, withdraw cash, and check balances quickly. They provide a secure and efficient way to handle finances on a daily basis.
What is the Ratibi Card?
The Ratibi Card is a prepaid salary card used by many workers in the United Arab Emirates. It supports employees who earn low incomes and need simple access to their wages. First Abu Dhabi Bank provides this card to help employers deliver safe and timely salary payments. The card stores monthly wages in a secure prepaid system and allows users to withdraw cash and make basic payments without a bank account. It also follows wage rules within the country to ensure an efficient salary process.
Using the Ratibi Card, workers can receive their salaries in a safe and organized manner. Employers upload monthly payroll details into the system, and the bank places the salary on each card after approval. The employee then activates the card and uses it for cash withdrawals and daily payments in the United Arab Emirates. This process creates an effective cycle that supports reliable salary access every month.
Eligibility Criteria
Getting a Ratibi Card in the UAE is simple, both for employers and employees. These points help confirm who can join the salary program.
For Employers:
- A corporate banking relationship with First Abu Dhabi Bank is required.
- The company needs to enroll its workforce in the Ratibi payroll system.
- Standard business documents are needed for program activation.
- Payroll activities must align with national wage regulations.
- Accurate employee information is required for smooth processing.
For Employees:
- The card is available to workers who earn up to AED 5,000 each month.
- Valid identification is needed for basic verification.
- Employment details are required for payroll setup.
- The worker should be linked to an employer using the Ratibi program.
- A personal bank account is not needed to receive the card.
Features & Benefits
In the UAE, workers and employers benefit from the Ratibi Card, which simplifies salary management, payments, and daily expenses. Users who need a detailed view of their transactions can easily get their FAB bank statement online through its digital services. These features, along with the benefits below, make the card a practical choice for many.
Benefits for Employees
- Easy access to monthly wages through a secure prepaid system
- Smooth cash withdrawals from local and international machines
- Simple payments for daily purchases across the country
- Free SMS alerts that inform users about salary deposits
- Added protection through personal accident cover in many cases
Benefits for Employers
- Faster salary distribution through an organized payroll system
- Full support for the Wages Protection System within the country
- Lower handling of cash for monthly worker payments
- Reduced administrative work on routine payroll tasks
- Effortless processing of bulk salary transfers for large teams.
Detailed Breakdown of Key Functionalities
Ratibi Cards help workers manage their salaries in a simple and organized way. These features support smooth financial activity across the Emirates.
Salary Credits
- Payroll files move through an automated system for faster processing.
- Salary reflects on the card once the monthly file is approved.
- Each cycle follows a fixed schedule used in the payroll system.
- Users can view their salaries after the banking system confirms an update.
Balance Checking Methods
- Online Portal: The secure portal allows users to complete a fast FAB Balance Check at any time.
- ATM Machines: Cash machines across the country show updated and accurate balance information.
- SMS Alerts: Linked mobile alerts share quick updates that help users track account activity easily.
- Mobile Number Verification: A registered mobile number supports smooth balance checks through instant system updates.
Transactions and Payments
- The card supports contactless payments for daily purchases.
- Users can pay bills through many supported service platforms.
- Online merchants accept the card for everyday transactions.
Users who need wider banking options for savings, transfers, or advanced services can choose to open a FAB bank account online for more complete financial access.
Fees & Charges
Ratibi Card fees are clearly outlined and predictable. Users can view the full list of charges on the official page by pressing the button provided below.
How to Apply
There is a simple application process for the Ratibi Card, which begins with the employer. The steps below guide both employers and employees through the procedure.
Employer Application Steps
- Open a corporate banking relationship with First Abu Dhabi Bank.
- Enrol the company in the Ratibi payroll service used in the country.
- Submit the required business documents for program activation.
- Upload the monthly staff list for payroll registration.
Employee Setup Steps
- Share valid identification and basic job details with the employer.
- Wait for the employer to complete the payroll enrolment process.
- Receive the card once the bank approves the application.
- Activate the card and set the personal pin on a local machine.
Final Thoughts
A Ratibi Card is the easiest and secure way for UAE workers to obtain their monthly salary. It supports everyday financial needs through secure payments, easy withdrawals, and effortless salary processing.
This guide helps readers understand how the card works and how it can support their daily financial routines. Users who require a basic and reliable payment solution may find this card suitable for their personal and work needs.
