FAB Ratibi Card: Top Key Features and Benefits Explained
The FAB Ratibi Card is a prepaid salary card which is offering by the First Abu Dhabi Bank (FAB). It aims to provide an easy and efficient payroll solution for all employees in the UAE. It is also allowing its employers to streamline the salary payments, especially for low-income workers, without requiring them to maintain a traditional bank account. Below, you can find the detailed overview of its benefits, features, and it is helping the users to manage their salary in an efficient way.
What is the FAB Ratibi Card?
The Ratibi card is a payroll card which is designed for its employees who are earning up to AED 5,000 per month, making it ideal for small businesses and workers in a labor-intensive industries. It is offering a convenient way to receive salaries and access funds through ATMs, both locally and internationally. The card is also operating similarly to a debit card, which is allowing its users to withdraw cash, make purchases, and even check their account balance without needing a bank account. If you want to FAB Balance check online, you can visit and read our detailed guide post.
Key Benefits of the FAB Ratibi Card
The FAB Ratibi card is eliminating the need for its employees to visit the bank to collect their salary. In order to simplify the payroll process, employers can directly load the salary onto the card. This is particularly beneficial for the companies with a large number of employees, as it saves the time and reduce the administrative work.
Unlike other salary payments that require you a bank account, the Ratibi card does not necessarily need the employees to have an account with FAB. This benefit makes it useful for the workers and low-income employees who might face the difficulties opening a conventional bank account.
Users can easily check their Ratibi card salary balance online through mobile applications, or FAB ATMs. Moreover, all the cardholders can receive balance updates through SMS alerts. This is quite useful for the users to track their finances conveniently.
Cardholders can withdraw their salary for free from the FAB ATMs across the UAE. This feature allows easy access to cash without incurring the additional charges. For the withdrawals at non-FAB ATMs, standard charges may apply.
The FAB Ratibi card is a secure alternative to handling the cash. All the cardholders receive a personal PIN for ATM transactions, which is ensuring that their money is protected even if the card is lost or stolen. The card is also an EMV chip-enabled which is offering the additional layer of security during the transactions.
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Key Features of the FAB Ratibi Card
The FAB Ratibi complies with the UAE’s Wages protection System (WPS) that aims to ensure that the employers can transfer the wages legally and securely. This compliance provides the peace of mind to both the employers and employees knowing that the salary payments are conducted in line with the country’s regulations.
FAB Ratibi card has minimal fees for the maintenance and whole usage. Employees can enjoy no fee services for salary disbursement and withdrawals at the FAB ATMs which makes it quite a cost-effective payroll solution.
All the Ratibi cardholders can use their cards internationally to withdraw the cash or to make purchases at any merchant the accepts Visa or MasterCard. This feature is quite useful for those workers who need to send money back to their home countries or travel abroad.
FAB provides a customer service support in the multiple languages which ensures that the Ratibi cardholders from multiple backgrounds can easily access the assistance and resolve any issues that they may face while using their service.
Employees are allowed to access their salaries anytime they want and anywhere. This is due to the FAB’s extensive ATM network. The flexibility makes it easier for the cardholders to manage their financial needs, whether they need cash at short notice or they wish to make the payments or to perform any transaction.
How to Check Your FAB Ratibi Card Salary
There are multiple ways to check the balance on your FAB Ratibi card:
For more information regarding the salary and FAB Balance Check, you can read our complete guidance.
Conclusion
The FAB Ratibi card is an excellent payroll solution for all the businesses operating in the UAE and the employers of low-income workers. You do not need to have a bank account, , free ATM withdrawals, and compliance with the UAE’s Wages Protection System (WPS), the Ratibi card is aimed to provide both convenience and security for employees. It is also charging low maintenance fees and all time 24/7 access to funds make it transaction anytime you want.
If you are an employer who is looking for a cost-effective solution to manage your payroll or seeking for a secure and accessible method to receive your salary, the FAB Ratibi card is the best solution for you.
