Ratibi Card is a type of payroll solution devised by UAE banks, primarily for low- to middle-income earners. This Ratibi Card Salary Check provides for the efficient transfer of salaries under the Wage Protection System of the UAE. In this way, the need for a bank account will be obviated, making it easier for laborers and domestic workers to receive their wages securely.
No Requirement of Bank Account: No requirement for a minimum balance and no opening of an account to draw salaries.
Accessibility: It provides ATM withdrawal, online checking of balance, and purchases through POS terminals.
Compliance with UAE Labor Laws: WPS regulations are fully met.
Secure and Transparent: All transactions are recorded. It is safe for employers and employees.
Cost-Efficient: The maintenance fee is either minimal or zero as compared to the traditional bank.
How to View My Salary Balance on a Ratibi Card?
Viewing the balance on your Ratibi Card is very simple.
Methods:
Ratibi Card Salary Check ATM Balance Inquiry
Dip the Ratibi Card into any ATM of the participating banks.
Enter the PIN.
Select Balance Inquiry
SMS Alerts
You receive an SMS about your balance on some Ratibi Cards.
For an automatic SMS alert, get your mobile number registered with the issuing bank.
Ratibi Card Salary Check Bank Portal or Mobile App
Open the card issuer’s mobile app or web interface and log in.
Access the “Salary Balance” section to check the balance.
Customer Service
Call the bank’s customer service number.
Share your card number and identity proof to obtain balance information.
Ratibi Card Salary Check: Requirements and Application Process
Eligibility Criteria
The employer must have a labor contract for their employees.
Employees must be wage earners according to UAE labor laws.
Primarily designed for non-salaried workers without traditional banking access.
Application Process:
Ratibi Card Salary Check For Employers
Register with the bank offering Ratibi services.
Submit payroll details for all eligible employees.
Ratibi Card Salary Check For Employees
Your employer applies on your behalf.
Provide valid ID documents and a copy of your labor contract.
How to Activate Ratibi Card for the First Time
Activation of a Ratibi Card is an easy process that enables the cardholder to use the card to withdraw money, buy goods, and check balance.
Activation Process
Get the Ratibi Card
Your employer will provide you with the Ratibi Card of their partner bank or financial institution.
With the card, there might be a welcome kit or activation instructions.
Verify Your Identity
You will require the following documents before the activation of your card:
Emirates ID
Passport photocopy (depending on the bank issuing your Ratibi Card)
Some banks will ask to have your identity verified over their branch or online portal
Ratibi Card Salary Check Activate via SMS or Online
SMS Activation:
Some banks allow activation through SMS. Send a specific code (provided by the bank) to a designated number from your registered mobile phone.
For example: “ACTIVATE [Card Number]” to 12345.
Ratibi Card Salary Check Online Portal Activation
Log in to the issuing bank’s online portal or mobile app.
Register using your card details.
In order to finish the activation process, confirm your identity.
Ratibi Card Salary Check Confirm Activation
Once activated, you’ll typically receive an SMS confirming the successful activation of your card.
Make a minor purchase or check your card balance at an ATM to test the activation.
Ratibi Card Salary Check Tips for Smooth Activation
Follow Employer Instructions: Your employer may provide specific activation steps based on the issuing bank.
Use a Registered Mobile Number: Ensure the phone number linked to the card is the one you use for activation.
Keep the Card Secure: Do not share your card details or PIN with anyone.
Common Problems with Ratibi Cards and How to Solve Them
Common Issues:
Card Blocked: This is normally due to wrong PIN inputs.
Solution: Call customer care to unblock.
Balance Not Updating:
Solution: Wait for salary processing or contact your employer.
Solution: Use another ATM or check your balance via SMS.
Lost Your Ratibi Card? Here’s What to Do
Notify the bank of the card loss right away.
Use customer service to block the card.
There is a price associated with requesting a replacement card.
Why My Salary Does Not Get Credited to My Ratibi Card?
Possible Causes:
Delayed payroll submission by the employer.
WPS processing technical problem.
Inaccurate details in payroll record.
How to Use Your Ratibi Card to Improve Salary Control
Tips:
Keep track of expenses using the balance check
Withdraw at low-fee ATMs.
Avoid taking big cash withdrawals to keep yourself safe.
Why is My Salary Not Credited to My Ratibi Card?
If your salary has not been credited to your Ratibi Card, it can be concerning. However, this issue could stem from a variety of reasons, ranging from employer-related delays to technical issues with the card or banking system. Below is a comprehensive guide to identify and resolve the problem.
Ratibi Card Salary Check Employer-Related Issues
Possible Causes:
Payroll Processing Delay: The employer may process the salary late due to administrative issues or delays in approvals.
Incorrect Information: The employee’s card number or details given to the payroll system may be incorrect, and hence funds may not be transferred.
Non-Compliance: The employer may not have complied with UAE’s Wage Protection System (WPS) on time.
Contact your HR or payroll department to check if the salary has been processed and your Ratibi Card details are correct.
Your employer must adhere to WPS timelines.
Ratibi Card Salary Check Bank or Card Processing Delay
Reasons That Might Cause It
The bank’s system or card processor may have downtime that leads to a delay in receiving your salary.
Banks will take more time processing bulk payments since there are more transactions made within payroll periods.
What to do
Check with the bank that issued your Ratibi Card if they are experiencing system problems.
Allow 24–48 hours to pass after the expected payday to factor in processing time.
Incorrect Card Information
Causes:
If your employer-provided an incorrect Ratibi Card number or account information, the salary could not be posted.
What to Do:
Check your card number and account information with your employer.
Correct any errors found and update your information with the HR department.
Salary Credited but Not Updated in My Account
Reasons can include,
System Lag- Probably bank may have credited the salary and registered by themselves but the system will delay it in your account due to system lags, etc.
SMS Update Displacement: You may miss such updation if your details contact was not updated or probably they faced an issue for sending an SMS.
Ratibi Card Salary Check Things To be done
Check Card Bal at an ATM or with your smartphone mobile app or using Net Banking.
Ensure your phone number is up-to-date with the bank to receive transaction notifications.
Card Issues
Possible Causes
Card Inactivation: If your Ratibi Card is inactive, expired, or blocked, it cannot receive salary deposits.
Damaged Card: Physical damage to the card may cause issues with salary deposits or access.
What to Do
Contact the issuing bank to confirm your card is active and not blocked.
Request a card replacement if necessary.
Non-compliance with the Wage Protection System (WPS)
Possible Reasons
UAE law compels employers to pay the payroll through WPS. In case of non-compliance, salaries are either delayed or withheld.
What to Do:
Check whether your employer complies with WPS.
Reach out to MOHRE if the problem continues and file a complaint.
Ratibi Card Salary Check Legal or Financial Holds
Possible Reasons
If there is a legal freeze on your card (e.g., due to court orders or employer disputes), your salary may not be credited.
Employers might hold salaries due to disputes or employee exit formalities.
What to Do
Confirm with your employer if there are any holds on your salary.
If the issue involves legal action, seek clarification from the bank or relevant authorities.
Miscommunication or Fraud
Possible Causes
Even though there was no real transaction, your employer may assert that the salary has been transferred.
Your account may be restricted or frozen if your card is used fraudulently.
What to Do
Request proof of transaction, such as a bank reference number, from your employer.
Best ATMs for Ratibi Card Users in [City/Region]
If you have a Ratibi Card, finding the most convenient and cost-effective ATMs around your city or region becomes essential for accessing your salary and managing your finances appropriately. Here’s a guide to help you identify the best ATMs for Ratibi Card transactions.
Features to Look for in ATMs for Ratibi Card Users
Wide Network
Select ATMs that are readily available in key locations like business districts, residential areas, and shopping centers.
24/7 Availability
Ensure the ATM is always available for easy cash withdrawal or checking of account balances.
Safe Locations
Choose ATMs that are placed in well-lit and manned places like malls, large banks, or petrol stations to be safer.
Best ATMs for Ratibi Card holders in [City/Region]
Ratibi Card Salary Check Bank-Operated ATMs
First Abu Dhabi Bank (FAB):
Ratibi Cards are mostly issued by FAB. Thus, the ATMs of this bank are always the most reliable to carry out operations without fees.
Locations:
[Examples like central city branches, malls, or popular areas].
Services: Withdrawals, balance inquiries, and mini-statements.
Partner Bank ATMs
FAB might collaborate with other banks for the extension of ATM access for Ratibi customers. Verify these collaborations to learn more about free-of-charge options.
Example: ATMs of ADIB, ADCB, or Emirates NBD can be accessed based on agreements.
Major Malls ATMs
These are usually a hub with several bank ATMs within a shopping mall, making it convenient and safe.
Example Locations
City Center Mall
[Other big mall in the region]
ATMs at Petrol Stations
Most of the petrol stations have an ATM installed for easy access, mainly for those traveling daily.
Examples
ENOC or ADNOC stations throughout the city.
Public Transit and Business Hubs
Generally, ATMs located in places with bus stations, metro stations, or central business districts are readily available and easy to access. Read about the FAB card
Example Places
Central Bus Station
Financial Center Business District
Helpful Hints for Ratibi Card Users when using the ATM
Check for fees
If you are using an out-of-network ATM, check the fee of the transaction before performing the transaction.
Mobile Banking
Use your bank’s app to find the closest partner or fee-free ATMs if available.
Avoid Peak Hours
Visit the ATMs at non-peak hours so you won’t have to queue.
Be Careful
Be careful with skimming devices, and cover your PIN when inputting it into the ATM.
Where to Find Fee-Free ATMs
Bank’s Website or App
Make use of the ATM locator service to find nearby accepted ATMs for your Ratibi Card.
Customer Support
Call the issuing bank’s hotline to ask for a list of accepted ATMs in your region.
Check SMS Alerts
Your bank might send an SMS about new ATM locations or fee-free networks.
The best ATMs for your Ratibi Card are determined by your location, the issuing bank, and the partnerships available. Use only your bank’s ATMs or partner networks to reduce the fees and enjoy the safety and reliability of accessing your salary. Find other known spots like malls, petrol stations, and public hubs for ease of access.
Real Stories: How Workers Benefit from Using Ratibi Cards
Ratibi Cards have transformed payroll systems for workers across the UAE, especially for those earning modest wages. Designed to offer convenience, transparency, and accessibility, these cards have proven to be a lifeline for many. Below are real stories and scenarios that highlight the tangible benefits workers experience by using Ratibi Cards.
Ratibi Card Salary Check Hassle-Free Salary Payments
Case Study: Ahmed – A Construction Worker
He would spend hours on payday waiting in lines at the office, and it often ran late.
Ratibi Card Benefit
Ahmed’s employer switched to a Ratibi Card. His salary is credited directly to his card every month.
Outcome: He now gets paid on time, can withdraw cash at his convenience, and saves unnecessary trips to his employer’s office.
Ratibi Card Salary Check Financial Inclusion for the Unbanked
Case Study: Maria – A Domestic Worker
Maria, a domestic worker in Dubai, didn’t have access to a traditional bank account due to minimum balance requirements and complex paperwork. She often relied on cash, which posed risks of loss or theft.
Ratibi Card Salary Check Benefits of Ratibi Card
With the Ratibi Card, Maria can receive her salary securely without needing a bank account.
Outcome: She uses the card to withdraw cash, access her account balance at the ATMs, and even send remittances back home, without worrying about losing the cash.
Transparency in Wage Payments
Case Study: Ramesh – A Retail Assistant
It would not be easier to know if he had gotten the correct amount in terms of payment because Ramesh would often depend on pay slips or manual accounting and sometimes that didn’t prove so correct.
Ratibi Card Benefit
He would be assured by Ratibi Card with the option of an ATM balance check or transaction statement as a method of verification regarding his payments.
Outcome: He now has a clear record of his earnings and no longer needs to question payment accuracy.
Convenient Access to Funds
Case Study: Fatima – A Cleaner
Fatima often had to carry her entire month’s salary in cash, which was inconvenient and unsafe. She also had limited access to banks near her workplace.
Benefits of Ratibi Card:
Fatima can withdraw her money on her own time from ATMs available for free without any fees and has several fee-free ATMs in her vicinity.
Outcome: She feels safe, as her money is stored securely on the card, and she can draw small amounts whenever needed.
Empowering Workers with Financial Independence
Case Study: John – A Security Guard
John wanted to save part of his salary every month, but could not keep cash aside without spending it. With Ratibi Card, he started recording his expenditure by taking out just the amount he required. Outcome: With time, he was able to improve his financial discipline and be able to save for a mobile phone and other essentials.
Easy Remittances to Home Countries
Case Study: Aisha – A Factory Worker
Aisha sends money to her family in her home country regularly. Before having a Ratibi Card, she had to go to exchange houses, sometimes carrying large amounts of cash.
Benefits of Ratibi Card
Aisha now uses her card at partner remittance centers, which makes it safer and faster to transfer funds.
Outcome: Reduced cash dependency and ease of remittance have made her family support easier.
Wage Protection System (WPS) of the UAE
Case: Naveed – Delivery Driver
Naveed’s previous employer paid cash-based salaries that sometimes caused problems of delay or dispute in their salaries. Following the regulation update, the organization decided to implement the Ratibi Card system to adapt WPS.
Benefits of Ratibi Card
Naveed now receives his salary promptly every time. He has no need to remind or call his employer for such payment.
Outcome: Regular payments improved his belief in the employer and the planning of his monthly budget.
Assisting Financial Literacy
Case Study: Sarah The Salon Worker
Sarah did not know banking systems or how to manage her earnings properly. Using a Ratibi Card introduced her to modern financial tools.
Advantages of Ratibi Card
Through basic ATM usage and SMS notifications, Sarah learned how to check her balance, save money, and track her spending.
Outcome: This has encouraged her to consider opening a savings account for long-term financial security.
FAQs
Who is eligible for a Ratibi Card?
Anyone whose income is considered wages in accordance with UAE labor law, and for whom it is not feasible to obtain access to traditional banking, can apply. Employees normally make applications through their employer.
How do I apply for a Ratibi Card?
You do not have to apply as an employee. Your employer applies for the service through the bank. Make sure that you give your employer all your documents, including ID and labor contract.
How do I activate my Ratibi Card?
Follow the activation guidance from your employer or bank: Call the activation hotline Provide details of your card number, CVV, and expiry Date Enter a secure PIN
Can I cash out using my Ratibi Card?
You can cash out at an ATM by presenting your Ratibi Card for use. If you’d like to avoid the use of extra charges for access, use only an ATM that is a branch or affiliate of the bank offering the card.
How do I prevent fraud on my Ratibi Card?
Keep your PIN secret.
Do not access the internet through public Wi-Fi for transactions.
Check your transaction history for any errors regularly.
Do I save money with a Ratibi Card?
Yes, you save money as there are minimal charges for using a Ratibi Card and no account maintenance fees.
What is the withdrawal limit for a Ratibi Card?
The withdrawal limit varies depending on the issuing bank. Typically, it aligns with the daily limit of regular ATMs, usually up to AED 10,000.
How do SMS alerts work with a Ratibi Card?
SMS alerts notify users about balance updates, withdrawals, and salary credits. Register your mobile number with the bank to activate this feature.
Conclusion
Ratibi Cards have impacted the lives of workers positively, as they offer financial security, transparency, and convenience. The cards not only simplify payroll processes but also empower workers to manage their finances better. From timely payments and safer transactions to supporting remittances and savings, Ratibi Cards are a game-changer for those in low-income jobs, ensuring financial inclusivity and stability in the UAE.
