For many employees in the UAE, the Ratibi card is a convenient way to receive salaries without the need for a full bank account. But not everyone uses internet banking or prefers navigating through banking apps. If you fall into this category, knowing how to perform a Ratibi FAB Balance Check without internet banking is essential. This guide will walk you through multiple offline and low-tech options, so you can check your funds anytime, even without an internet connection or online account access.
Understanding the Ratibi Card
The Ratibi card, issued by First Abu Dhabi Bank (FAB), is designed for employees who earn salaries of AED 5,000 or less. Employers deposit salaries directly onto this card each month, eliminating the need for workers to have a full-fledged bank account.
Key features of the Ratibi card include:
No minimum balance requirement.
No account maintenance fees.
Widespread ATM access across the UAE.
A dedicated online balance check page for quick viewing.
However, if you’re not connected to the internet or don’t use FAB’s online banking, there are still easy methods to track your funds.
1. ATM Balance Check
One of the most straightforward ways to check your Ratibi balance without internet banking is by visiting an FAB ATM.
Steps:
Insert your Ratibi card into the ATM.
Select the “Balance Inquiry” option.
Enter your PIN.
View your balance on the screen or print a mini statement.
Advantages:
Instant and accurate balance.
Option to get a printed slip for record-keeping.
Available 24/7 at FAB ATMs and partner machines.
2. SMS Banking Service
While Ratibi cardholders do not have the same SMS banking features as full FAB account holders, some employers arrange for SMS salary notifications. This means you get a text alert whenever your salary is deposited, letting you know the updated balance without logging into an app.
To enable this service, check with:
Your employer’s HR or payroll department.
FAB customer service to see if your card is eligible.
3. Using the Ratibi Balance Check Web Page (Low Data Option)
Although this method technically uses the internet, it doesn’t require a full internet banking login. The Ratibi balance check portal is a simple, lightweight page that can be accessed on even the slowest mobile data connections.
Steps:
Go to the official FAB Ratibi Balance Check page.
Enter your Ratibi card number and the Captcha code.
Click “Go” to view your balance instantly.
Since it’s just one page and requires no downloads, it works well even on older phones with minimal data.
4. Calling FAB Customer Service
If you have no internet at all, calling FAB’s hotline is a reliable method.
Steps:
Dial FAB customer care at 600 52 5500 (inside the UAE).
Select your language preference.
Follow the menu to the “Card Services” or “Balance Inquiry” section.
Verify your identity using your card number or security questions.
Hear your balance over the phone.
Advantages:
Works anywhere with mobile network coverage.
No internet connection needed.
24/7 availability.
5. Visiting an FAB Branch
Although less convenient, you can visit a nearby FAB branch to check your Ratibi card balance. Simply present your card and valid ID to a teller, who can print your balance or transaction details.
Best for:
When you need official proof of balance.
When you’re resolving other account or card issues at the same time.
6. Checking at Partner Exchange Houses
FAB has partnerships with several money exchange houses across the UAE. Many of these locations allow Ratibi cardholders to check their balances and even withdraw cash without fees.
Common FAB partner exchange houses include:
Al Ansari Exchange
UAE Exchange
Al Rostamani Exchange
This is particularly helpful if you’re sending money abroad and want to confirm your available funds on the spot.
Tips to Avoid Balance Surprises
When you don’t use internet banking, it’s even more important to stay proactive about monitoring your funds. Here are a few tips:
Check regularly – Make it a habit to verify your balance after every salary deposit.
Track your spending – Keep receipts or note expenses in a small notebook.
Use alerts – If available, enable SMS salary notifications.
Plan withdrawals – Avoid multiple small ATM withdrawals, which may incur extra fees.
Why Offline Balance Checking Still Matters
While mobile apps and online portals are becoming the norm, offline balance checking methods remain crucial for:
Workers with limited internet access.
Employees using basic phones instead of smartphones.
People concerned about online security risks.
FAB understands this need and continues to provide multiple non-digital options for Ratibi cardholders.
Final Word
The Ratibi FAB Balance Check doesn’t have to depend on internet banking. Whether you prefer ATMs, customer service calls, exchange house visits, or the simple Ratibi web portal, there’s always a method to know your funds without downloading apps or logging into online banking. Staying informed about your balance means fewer financial surprises and better control over your money. For more banking tips and guides, visit UAE Mood.
