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Ratibi Prepaid Card

Ratibi is a salary payroll solution designed to pay the salaries of employees who earn up to AED 5,000. These employees will receive their salaries on their cards without the need for a bank account.


  • Free personal accident insurance
  • Free access 24/7 to the largest ATMs and CDMs network
  • No minimum balance requirement or monthly charges for cardholders

With Ratibi Payroll Prepaid Card, you can securely make payments at retailers and deposit / withdraw your money from a wide range of ATM networks around the world - all without the need for a bank account, saving you money on banking fees.


Existing Ratibi Card Holder?


Check your balance:

Ratibi Prepaid Card Balance Enquiry

Ratibi Card Benefits

  • Free SMS alerts on every salary credit
  • Can be used at all ATMs, in-store and online
  • Can be used at VISA/MasterCard networks worldwide
  • Customer support through our 24/7 call centre
  • Cardholders can select their own ‘PIN’ from our ATMs
  • 100% compliant with the UAE Government’s WPS guidelines

You’re insured:

  • Free personal accident insurance: In the event of death or permanent total disability of the card holder due to accident, eligible for 5 x monthly salary or maximum of AED 25,000
  • Hospitalisation due to accident for at least 24 hours: Eligible for daily cash benefit of AED 50 (for a maximum period of 30 days subject to a total of AED 1,500)
  • Repatriation of mortal remains: Actual expenses subject to maximum of AED 5,000

Safe and convenient

  • Eliminate the risk of carrying cash
  • No bank account required
  • Secure easy way to receive your wages
  • Immediate salary crediting
  • Fully automated service

Transform your business and discover the benefits of Ratibi

Employer Benefits

  • A stress free salary payment solution
  • Real time card management via online banking
  • Alternative services for salary processing as per corporate requirement
  • Secure salary transfers from your corporate account to Ratibi prepaid cards via online banking

Wages Protection System (WPS)

Our Bank supports salary payments through the Wages Protection System (WPS). We can efficiently process your salary payments electronically in compliance with UAE regulations.

Features include:

  • Fully automated service with dedicated help desk
  • Safe and convenient salary payment solution with a single bank transfer
  • Payment in local currency within the UAE - lower cost and no cash handling risk to pay your employees

Salary Payment (Non-WPS)

Our Bank can also process your standard salary payment for Non-WPS payroll in local currency within the UAE. Salary files can be sent via our electronic channel in bulk with single debit entry pass through your account. Individual entries will be protected and only available to view by restricted users.

Policy and procedures guide

  • Employers must hold a Corporate Account for issuing Ratibi cards
  • Employers will be the point of contact between their employees and Our Bank
  • Employers must educate their employees on the card usage and handling techniques
  • Any cards confiscated by any ATMs will be destroyed by the receiving bank and employer must apply for a replacement card


  • Employer has to hold a corporate account with Our Bank
  • The employee must be a resident of the UAE
  • Only employees with complete and up-to-date KYC details will be accepted


Forms to complete

How to apply?

  • Complete Ratibi application form and the employee details excel sheet to request for Ratibi cards
  • Complete iBanking application form to obtain online card management access
  • Applications must be submitted to your nearest branch or community banking branches

Can't find what you are looking for?

We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile application and check our Frequently Asked Questions (FAQs) page.



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