The Ratibi card is a prepaid bank card offered by First Abu Dhabi Bank (FAB). It is a convenient way for employers with corporate accounts to pay their employees salaries, especially for those earning less than AED 5,000 per month.
For employees, it provides an easy avenue for managing their finances, from withdrawals to bill payments and international remittances. This blog post aims to guide you on how to check your Ratibi card balance online, ensuring you stay updated about your finances.
Understanding your financial status is a crucial step toward effective financial management. In this digital age, online tools like the Ratibi card offer a simple and user-friendly approach to keeping track of your financial transactions. So, whether you are an expat or a resident in the UAE, this guide will help you navigate the process of checking your Ratibi card balance online.
What is a Ratibi Card?
The Ratibi card is a financial solution offered by the First Abu Dhabi Bank (FAB) to simplify the salary disbursement process. It is designed primarily for employees earning less than AED 5,000 per month. The card allows employers to transfer salaries directly to their employees’ Ratibi cards.
Employees can then use these cards just like any other debit card — to withdraw cash, make payments, and even send money internationally. Furthermore, the Ratibi card comes with personal accident insurance, adding an extra layer of financial security for its users.
Check Your Ratibi Card Balance Regularly
Regularly checking your Ratibi card balance is an essential habit for effective financial management. It helps you keep track of your spending, avoid potential overdraft fees, and plan your budget efficiently. Furthermore, frequent balance checks can help you quickly detect any unauthorized transactions or discrepancies, ensuring the security of your hard-earned money.
Different Methods to Check Your Ratibi Card Balance Online
There are several ways to check the balance of your Ratibi card online. These methods offer flexibility and convenience, allowing you to manage your finances anytime and anywhere. Let’s explore these methods in detail:
Method 1: Official Ratibi Card Website
The primary method to check your Ratibi card balance is through the official FAB bank website. It provides a comprehensive view of your account, including transaction history and other important details.
Steps to Check Balance on the Website
- Go to the Prepaid Card Enquiry page on the FAB bank website.
- Enter the last two digits of your card number in the small field at the top.
- In the larger field below, enter your Card ID.
- Click on the submit button to view your balance.
Method 2: Mobile App
FAB Bank also offers a mobile app that you can use to check your Ratibi card balance. The app offers a user-friendly interface and other additional features like transaction alerts and bill payments.
How to Use the Mobile App for Balance Inquiry
- Download the FAB mobile banking app from the Google Play Store or Apple App Store.
- Log in using your credentials.
- Go to the ‘Card Services’ section and select your Ratibi card.
- Your balance will be displayed on the screen.
Method 3: SMS Service
If you prefer a more straightforward method, FAB Bank offers an SMS service for balance inquiries. This service is especially handy when you don’t have access to the Internet.
Use SMS Service for Balance Inquiry
Just send an SMS in the specified format (which you can find on the FAB Bank website or in the user manual provided with your card) to the designated number. You will then receive an SMS with your current balance.
Method 4: Customer Support
If you’re not comfortable using online platforms or encounter any issues while checking your balance, you can always turn to FAB Bank’s customer support. Their team is available 24/7 to assist you with your queries.
Contact Customer Support for Balance Inquiry
You can contact the customer service center by dialing the toll-free number mentioned on the back of your Ratibi card. After verifying your identity, the representative will be able to provide you with your current balance.
Tips for Using Ratibi Card
While the Ratibi card offers several benefits, effective utilization of these features requires some best practices. Here are a few tips to help you make the most of your Ratibi card:
Regularly Check Your Balance
Make a habit of checking your Ratibi card balance regularly. It not only keeps you updated about your financial status but also helps in the early detection of any fraudulent transactions.
Protect Your Login Credentials
Never share your login credentials with anyone. Be cautious while entering these details online, and always log out from the website or app after checking your balance, especially when using public devices or networks.
Monitor for Suspicious Transactions
Keep a close eye on your transaction history. If you notice any unfamiliar transactions, report them immediately to FAB Bank’s customer service.
Using Additional Features and Services for Enhanced Account Management
Utilize other features and services offered with your Ratibi card, such as bill payments, international remittances, and SMS alerts. These features can significantly enhance your banking experience and financial management capabilities.
Frequently Asked Questions (FAQs)
As you begin to use the Ratibi card for managing your salary and expenses, you may have some questions. Here are answers to some common queries:
Can I check my Ratibi card balance through an SMS service?
Yes, FAB Bank provides an SMS service for quick balance inquiries. You simply need to send an SMS in a specified format to a designated number, and you will receive an SMS with your current balance.
Is it necessary to create an account on the Ratibi card website to check the balance?
No, you can check your balance on the FAB Bank website’s Prepaid Card Enquiry page without creating an account. You just need to enter the last two digits of your card number and your Card ID.
Can I use the Ratibi card mobile app on multiple devices?
Yes, you can install the FAB Bank app on multiple devices. However, for security reasons, it’s recommended to log out from the app after each use, especially on shared devices.
What should I do if I encounter any issues while checking my Ratibi card balance online?
If you face any issues while checking your balance online, you can contact FAB Bank’s customer service. The team is available 24/7 to assist with any difficulties or queries you may have.
Conclusion
The Ratibi card by First Abu Dhabi Bank (FAB) offers a simple and secure solution for managing salaries and personal finances. With a variety of methods available to check your balance online, staying updated about your financial status has never been easier. Remember to regularly check your balance, protect your login credentials, monitor transactions, and utilize the additional features of the card for optimal financial management.