Managing money in today’s fast-moving world has become easier thanks to digital payment solutions. In the United Arab Emirates (UAE), the Ratibi Prepaid Card is one such service that helps employees, especially low-income workers, receive and use their salaries without the need for a traditional bank account. Introduced by First Abu Dhabi Bank (FAB), the Ratibi card has grown in popularity because of its convenience, security, and compliance with the UAE’s Wage Protection System (WPS).

Complete Guide to UAE Ratibi Prepaid Card Services

This complete guide explains everything you need to know about the Ratibi Prepaid Card, from features and here also get complete information about Fab Balance Check.

What is the Ratibi Prepaid Card?

The Ratibi Prepaid Card is a salary payment solution designed by FAB for employees who do not have access to regular bank accounts. Employers can deposit monthly salaries directly into the card, ensuring timely and safe payments.

Unlike a credit card or a savings account, the Ratibi card is strictly prepaid. This means employees can only spend the amount loaded on the card, making it an excellent tool for managing expenses responsibly. It also meets the requirements of the UAE’s Wage Protection System, ensuring workers are paid transparently.

Key Features of the Ratibi Prepaid Card

The Ratibi card comes with multiple features tailored to meet the needs of workers and their employers:

No Bank Account Required: Employees do not need to open a bank account to receive their salaries.
Free Salary Payments: Employers can transfer salaries directly to the card without extra charges.
ATM Access: Cardholders can withdraw money from ATMs across the UAE and abroad.
Online Purchases: The card can be used for shopping at stores and online platforms that accept Visa or Mastercard.
24/7 Access: Balance inquiry and transaction details are available through ATMs, SMS alerts, or online services.
Security: The card is secured with PIN codes and complies with banking safety standards.

Benefits for Employees

The Ratibi Prepaid Card makes life easier for workers who may not qualify for standard bank accounts. Some of the top benefits include:

Easy Access to Salary: Employees can access their wages on payday without delays.
Convenience: Salaries can be withdrawn in cash or used directly for purchases.
No Hidden Charges: Unlike traditional accounts, there are no maintenance fees.
Remittances: Many workers use the card to send money to their families abroad.
Safety: Carrying cash is risky, but with a Ratibi card, money remains secure.

Benefits for Employers

It is not just employees who benefit from Ratibi; companies also gain advantages by adopting this system:

Compliance with WPS: Employers meet legal requirements by paying wages through Ratibi.
Cost-Effective: The service eliminates the need for issuing checks or handling cash.
Time-Saving: Bulk salary transfers can be made in a few clicks.
Transparency: Every transaction is recorded, making payroll management easier.

How to Use the Ratibi Prepaid Card

Using the Ratibi card is simple. Once employees receive the card, they can:

Activate the Card: Set up a PIN at any FAB ATM.
Check Balance: Balance inquiries can be made at ATMs, via SMS alerts, or online.
Withdraw Cash: Use ATMs across the UAE or abroad to withdraw money.
Make Purchases: Shop in stores, restaurants, or online using the card.
Transfer Funds: Employees can use exchange houses or online platforms to remit money internationally.

Ratibi Card Fees and Charges

Although the Ratibi card itself does not carry account maintenance charges, users should be aware of certain transaction-related fees:

ATM Withdrawals: Free at FAB ATMs, but charges may apply at other banks’ ATMs.
International Withdrawals: Fees apply for overseas usage.
Balance Inquiry: Free at FAB ATMs, but may cost at non-FAB machines.
Replacement Fee: A nominal fee is charged if the card is lost or damaged.

Being aware of these costs helps cardholders manage their funds wisely.

Customer Support and Assistance

FAB provides excellent support services for Ratibi cardholders. Employees can contact the bank’s 24/7 helpline, visit nearby branches, or use online support channels for assistance. This ensures that problems like lost cards, blocked accounts, or transaction errors are quickly resolved.

The UAE Ratibi Prepaid Card has become an essential financial tool for thousands of employees, particularly low-income workers. It bridges the gap for those without access to traditional banking services while ensuring compliance with the UAE’s Wage Protection System.

With easy access to salaries, ATM withdrawals, online shopping, and remittance options, the Ratibi card provides both convenience and security. For employers, it simplifies payroll management and ensures transparency. Whether you are a worker looking for a safe way to access your earnings or an employer aiming for hassle-free payroll solutions, the Ratibi Prepaid Card stands out as a reliable option in the UAE.