What is First Abu Dhabi Bank?

FAB stands for First Abu Dhabi Bank. It is one of the UAE’s largest banks by assets, created after the merger of First Gulf Bank and National Bank of Abu Dhabi.

The bank serves millions of customers across personal banking, credit cards, business finance, salary accounts, and digital banking services.

FAB is also well known for its Ratibi salary card, a prepaid solution widely used by firms to pay workers’ salaries across the UAE.

FAB is known for its smart digital services too. Checking your balance through the app, online banking or an ATM takes only a minute!

Whether you are a worker in the UAE checking your salary, managing credit card spending, or trying to check your prepaid card balance, knowing your balance is a must.

Not sure how to do a FAB balance enquiry in 2026? This guide covers every quick and secure method.

Quick Overview

Balance method	Best suited to	Internet required?	What you need	Main purpose
FAB Mobile	Regular accounts and supported cards	Yes	Registered digital banking access	Balance and transactions
FAB Online Banking	Regular accounts and supported cards	Yes	Digital banking access	Balance and account activity
FAB ATM	Debit cards and supported cards	No	Card and PIN	Balance enquiry
SMS alerts	Accounts and Ratibi cards	No	Registered mobile number	Transaction and salary alerts
Ratibi enquiry (Magnati PPC)	Ratibi payroll cards	Yes	Last 4 card digits and Card ID	Salary-card balance
Customer Care	Access or balance problems	Phone connection	Identity verification	Support and investigation
FAB branch	Complex account issues	No	Identification	In-person assistance
Payit	Payit users	Yes	Payit access	Payit account balance

How to Check Your FAB Account Balance: 6 Effective Ways

The following are the 6 ways to check your FAB balance in the UAE:

1. FAB Mobile App
2. FAB Online Banking Portal
3. SMS Alerts
4. ATM Balance Enquiry
5. Phone Banking (IVR)
6. Payit Wallet App

1. FAB Mobile App: Fastest Way to Check Your Balance

The FAB Mobile App is the safest and quickest way to check your balance every day. Install the app, log in, and your balance appears right away!

Follow these steps to check your FAB balance in the app:

Step 1: Download the FAB Mobile App from the Google Play Store or App Store.

Step 2: Open the app and log in with your registered User ID and password.

Step 3: Your account details appear on the home screen.

Step 4: Tap any account or prepaid card to see its full balance and recent transactions.

2. FAB Online Banking: Check Balance from Website

FAB’s online banking portal is another way to check your balance. It gives you full access to all your account details such as your balance, transaction history, and statements.

This method is quite useful for both people currently living in the UAE and those outside the country to check their FAB balance whenever they want. You need your login details to use it.

Have a look at the steps below to check your FAB balance online from the website:

Step 1: Open the official website of First Abu Dhabi Bank and click Login

Step 2: Two options appear. Click Personal Online Banking

Step 3: Enter your username and password

Step 4: Your dashboard shows the current balances of all your connected cards and accounts.

3. SMS Alerts: Track Your Balance Without Internet

No internet? FAB sends SMS alerts to your registered mobile number, so you can track your money without data. Ratibi cardholders also get a free SMS each time their salary is credited.

Follow these steps to make sure you get the alerts:

Step 1: Make sure your current mobile number is registered with FAB. You can update it in the app, at a branch or by calling 600 52 5500.

Step 2: Read the SMS FAB sends after each transaction or salary credit.

Step 3: Need your exact balance? Use a FAB ATM, the app or phone banking. FAB does not publish an SMS keyword for balance requests.

FAB’s SMS alerts for each Ratibi salary credit are free, as stated on FAB’s Ratibi page.

4. ATM Balance Enquiry: Offline and Always Available

FAB has one of the largest ATM networks in the UAE, so a balance check takes just a few seconds.

The following are the steps to check your FAB Balance at an ATM:

Step 1: Go to any FAB ATM and insert your FAB debit card or Ratibi prepaid card

Step 2: Enter your 4-digit PIN

Step 3: Choose Balance Enquiry from the main menu. Your balance appears on the screen.

Step 4: Select the print option if you want a mini statement of your recent transactions.

5. FAB Phone Banking: Balance Check via IVR

FAB’s 24/7 phone banking lets you check your balance through an automated IVR (Interactive Voice Response) system.

Follow these steps to check your balance by phone:

Step 1: Call FAB on 600 52 5500, or +971 2 681 1511 from outside the UAE. Ratibi cardholders can call 600 52 2298.

Step 2: Follow the IVR instructions and choose Balance Enquiry.

Step 3: Enter your account or card details.

Step 4: The system reads out your current balance.

6. Payit Wallet: Check FAB Wallet Balance

Payit is FAB’s free mobile payment app and digital account, available on Android and iOS. FAB also launched the Payit Universal Account in May 2026, with no minimum balance, for people earning up to AED 5,000.

Have a look at the following steps to check your balance via Payit:

Step 1: Install and then open the Payit app on your device

Step 2: Log in to the app using your credentials or biometric authentication

Step 3: Your Payit balance shows on the home screen and in the Accounts section.

What is FAB Ratibi Prepaid Card?

Ratibi Card is a branded prepaid salary card provided by First Abu Dhabi Bank (FAB). It is widely used by firms across the UAE to pay the salaries of their workers who earn up to AED 5,000, with no bank account needed.

A prepaid card works like a debit card, but you can only spend the money already loaded on it. FAB also offers other prepaid cards for different needs.

How to Check FAB Ratibi Prepaid Card Balance Online?

Follow these steps to check your Ratibi card balance online:

Step 1: Open the official FAB website and click Login

Step 2: Two options appear. Click Ratibi Prepaid Card Balance Enquiry

Step 3: Enter your FAB prepaid card’s last 4 digits and Card ID, complete the CAPTCHA, and click Go to see your balance.

Why Regular Balance Checks Matter

It is beneficial for everyone in the UAE or abroad to regularly check their balance to ensure their payments are secure. Such advantages of balance checking are as follows:

• Regular balance checks let you verify that your employer’s WPS salary has been received on time
• Checking your balance on time allows you to detect any suspicious activity or unexpected balance deductions.
• It allows users to better understand their spending patterns so that it helps them with future expenditures.
• Being aware of your balance helps you feel more at peace and reduces stress, especially when it’s time to pay your bills.

Forgot Your FAB Online Banking Password?

Don’t worry if you forgot your FAB online banking password. You can reset it in two ways: online or through phone banking.

The online reset process steps are as follows:

Step 1: Open the official FAB online banking login page.

Step 2: Click “Unlock account / Forgot password”.

Step 3: Enter your User ID and follow the verification steps

Step 4: Set a new password and log back in to your FAB account.

The steps to reset your password via Phone Banking are as follows:

Step 1: Call FAB customer support on 600 52 5500.

Step 2: Verify your identity by answering security questions

Step 3: The agent will guide you through setting a new password

Frequently Asked Questions – FAB Balance Check

These common questions cover FAB balance enquiries:

Q1: What is the easiest way to check my FAB account balance?

Ans: The FAB Mobile App is the most convenient way to check your FAB balance. After setup, your balance appears right on the home screen each time you log in.

Q2: Can I check my FAB Ratibi card balance without a smartphone?

Ans: Yes. You can check your Ratibi card balance at a FAB ATM, or call Ratibi customer service on 600 52 2298. You also get a free SMS each time your salary is credited.

Q3: Are FAB SMS alerts free?

Ans: Ratibi cardholders get free SMS alerts for each salary credit. Other account holders should check current alert charges with FAB customer care.

Q4: What should I do if my balance is showing incorrectly?

Ans: Wait a few minutes and try again. Still wrong? Contact FAB customer support on 600 52 5500 and report the problem.

Q5: Is it safe to check my FAB balance on the mobile app?

Ans: Yes, checking your balance in the FAB Mobile App is safe, as it uses bank-level encryption and supports biometric authentication.

Conclusion

Checking your FAB account or prepaid card balance is easier than ever. Check your Ratibi or salary card balance regularly, so your money stays safe and in your control. Want more UAE guides? Visit Allstations.ae.