How to Activate a Fab Ratibi Salary Card In UAE (2026 Complete Guide)
Activating your FAB Ratibi Salary Card is the first step to accessing your salary payments and using your card for daily transactions across the UAE. Whether you have received a new Ratibi card from your employer or need to activate it for the first time, the process is quick, secure, and can be completed through simple methods.
Khaleej Buzz explains how to activate a FAB Ratibi Salary Card, the available activation options, required steps, and important tips to ensure your card is ready for salary deposits, ATM withdrawals, and online payments.
What Is a Ratibi Salary Card?
A Ratibi Salary Card is a prepaid payroll card designed for employees in the UAE who receive their monthly salary through an employer-approved salary system. It allows employees to receive wages, withdraw cash, make payments and manage daily expenses without needing a traditional bank account.
The card works as a convenient payment solution for employees, especially those who may not have a personal bank account.
Benefits of a Ratibi Salary Card for Employees
Employees can enjoy several benefits by using a Ratibi Salary Card, including:
Benefits for Employers
Employers also benefit from using salary cards because they provide a simple way to manage payroll payments. Businesses can transfer salaries electronically, reduce cash handling and maintain better payment records.
The system is especially useful for small and medium-sized businesses in the UAE that need a reliable payroll solution for multiple employees.
Eligibility and Requirements Before Card Activation
Before starting the activation process, employees should make sure they have received their Ratibi Salary Card and have the required details available. Correct information helps avoid delays during activation.
The activation requirements may vary depending on the service provider, but employees generally need their card details, registered mobile number and identification information.
Information You Need Before Activating Your Card
Having the following details ready can make the activation process faster:
Card Number
The card number is the long number printed on the front of the salary card. It is required during some activation methods and verification steps.
Card ID
The Card ID is a unique identification number linked to your salary card. It may be required when accessing card-related services or contacting customer support.
CVV
The CVV is the three-digit security code usually found on the back of the card. It helps verify card ownership during certain transactions.
Emirates ID (if required)
Some activation or verification procedures may require Emirates ID details to confirm the employee’s identity.
Registered Mobile Number
A registered mobile number is important because OTP codes and activation confirmations are usually sent through SMS.
Top 5 Ways to Activate Your Ratibi Salary Card
Activating your Ratibi Salary Card is an important step before using it for payments or cash withdrawals. Depending on the available services, employees can activate their cards through different methods.
Method 1: Activate Using the Mobile Banking App
The mobile banking application provides a convenient way to activate a Ratibi Salary Card using your smartphone. This method is suitable for users who prefer managing their card services digitally.
Download the App
Install the official mobile banking application on your smartphone from the relevant app store.
Always ensure you download the correct application and avoid using unofficial third-party apps.
Register or Sign In
Open the application and create an account if you are a new user. Existing users can log in using their registered details.
Locate Your Salary Card
After signing in, open the card services section and select your Ratibi Salary Card from the available options.
Select the Card Activation Option
Choose the card activation option available in the card management section and follow the instructions shown on the screen.
Verify Your Identity
The system may ask for verification through an OTP sent to your registered mobile number or other security checks.
Set or Change Your PIN
If required, create a secure PIN for ATM withdrawals and card payments.
Avoid using simple PIN combinations such as birthdays or repeated numbers.
Confirm Card Activation
Review the details and confirm the activation request to complete the process.
Wait for the Activation Confirmation
You should receive a confirmation message once your Ratibi Salary Card has been activated successfully.
Test Your Card
After activation, make a small transaction or check your balance to confirm that your card is working properly.
Method 2: Activate at an ATM
ATM activation is another simple option for employees who prefer using physical banking facilities.
Insert the Card
Insert your Ratibi Salary Card into a supported ATM machine.
Verify Your Identity
Follow the instructions displayed on the ATM screen and provide the required verification details.
Create or Change Your PIN
Set your card PIN if required. This PIN will be used for future ATM withdrawals and payment transactions.
Complete the Activation
Once the ATM confirms successful activation, your card will be ready for use.
You can also perform a Fab balance check through available ATM services to confirm your available funds.
Method 3: Activate via SMS
Some users may have the option to activate their Ratibi Salary Card through SMS services. This method is useful for employees who do not have access to internet services.
SMS Format
Follow the required SMS format provided with your card instructions. Entering incorrect information may delay the activation process.
Verification Process
After sending the SMS, the system verifies your card details and registered mobile number.
Confirmation Message
A confirmation SMS is usually sent after successful activation. If you do not receive a message, check your details or try another activation method.
Method 4: Activate Through a Digital Wallet App
Before starting, make sure your mobile number is registered correctly and your internet connection is stable.
Register the Card
Open the digital wallet application and select the option to add or register your Ratibi Salary Card. Enter the required card information carefully.
Verify Your Details
The application may ask for identity verification through an OTP, registered mobile number or other security checks.
Make sure the entered information matches your card details to avoid activation delays.
Complete the Activation
After successful verification, follow the instructions shown in the application to complete the activation process.
Once activated, you can use available wallet features to manage payments and monitor card activity.
Method 5: Activate at a Bank Branch
Employees who prefer personal assistance can activate their Ratibi Salary Card by visiting an authorised bank branch. This option is helpful if online or digital activation methods are not working.
Documents to Bring
Before visiting the branch, keep the following documents ready:
- Original Emirates ID, if required.
- Ratibi Salary Card.
- Registered mobile number.
- Any additional verification documents requested by the service provider.
In-Branch Verification
A customer service representative will verify your identity and check your card information before starting the activation process.
Card Activation Process
After successful verification, the card will be activated, and you will receive confirmation that it is ready for use.
How to Verify Your Salary After Activation
After activating your Ratibi Salary Card, it is important to confirm that your salary payments are being received correctly.
Employees can verify their salary and card balance through different convenient methods:
What You Can Do After Activating Your Ratibi Salary Card
Once your Ratibi Salary Card is activated, you can use it for various daily financial activities.
How to Apply for a Ratibi Salary Card
Employees usually receive a Ratibi Salary Card through their employer. The company starts the application process and provides employee details for salary registration.
The process is designed to help businesses manage employee payroll while allowing workers to receive their wages through a secure prepaid card system.
How Employers Can Apply for a Ratibi Salary Card
The steps usually include submitting company information, registering employees and setting up salary payments.
Step 1: Meet Eligibility Requirements
The company must meet the required conditions for using a salary card service. Employers should ensure employee information and payroll details are accurate.
Step 2: Submit the Application
Businesses provide the necessary company and employee information through the approved application process.
Required details may include:
- Company information
- Employee details
- Salary information
- Identification documents
Step 3: Employee Registration
After approval, employee details are registered and linked with the salary payment system. Each eligible employee receives a card connected to their salary account.
Step 4: Card Issuance and Salary Setup
Once the card is issued, the employer completes the salary setup process. After activation, employees can start receiving salary payments and using their cards for daily transactions.
Card ID vs Card Number, What’s the Difference?
Although both details are linked to your Ratibi Salary Card, they serve different purposes.
| Card Detail | Purpose |
| Card Number | Used for identifying the physical card during payments and activation processes. |
| Card ID | A unique reference number connected to your salary card account and card services. |
Keeping both details secure is important. Avoid sharing card information with unknown individuals to prevent unauthorised access.
Common Activation Problems and Their Solutions
The table below explains common problems and possible solutions.
| Activation Problem | Solution |
| Card not activating | Check that you entered the correct card details and try activating again through another available method. |
| OTP not received | Confirm that your mobile number is registered correctly and check your network connection. |
| Incorrect card details | Re-enter the card number, Card ID or CVV carefully and make sure all information is accurate. |
| PIN setup issues | Try creating a different PIN and avoid simple number combinations. |
| Mobile number not registered | Contact customer support to update your registered mobile number. |
| Card expired | Request a replacement card through the appropriate service channel. |
| Card blocked | Contact support to check the reason for blocking and request assistance. |
| Technical errors during activation | Wait and try again later or use another activation method such as ATM or branch support. |
What If Your Card Is Lost, Damaged or Not Working?
A lost or damaged Ratibi Salary Card should be reported as soon as possible to prevent unauthorised use. Employees should contact the relevant support service and request assistance with replacement or blocking procedures.
Card Arrived Damaged
If your new card arrives damaged or cannot be used, contact customer support immediately. A replacement card may be issued after verification.
Lost or Stolen Card
If your card is lost or stolen:
Replacement Card Process
The replacement process usually requires identity verification and confirmation of employee details. The timeline may vary depending on the service provider and location.
Troubleshooting Checklist Before Contacting Support
Before contacting customer support, check the following points:
Safety Tips After Activating Your Salary Card
Protecting your Ratibi Salary Card details helps prevent unauthorised transactions and keeps your salary funds secure.
Follow these simple safety tips:
When to Contact Customer Support
Most activation issues can be fixed using basic troubleshooting steps, but some situations require professional assistance.
Situations That Require Assistance
You should contact customer support if:
For official UAE salary and employment-related information, residents can also refer to the Ministry of Human Resources and Emiratisation (MOHRE) website: https://www.mohre.gov.ae
Conclusion
Activating a Ratibi Salary Card in the UAE is a simple process when you have the required details and follow the correct steps. Employees can activate their cards through different methods, including mobile applications, ATMs, SMS services, digital wallet options or by visiting a bank branch.
Regular balance checks, secure PIN management and transaction monitoring help keep your salary card safe and convenient to use.
FAQs
How long does card activation take?
Card activation is usually completed within a few minutes if all details are correct. However, some verification processes may take longer depending on the activation method used.
Can I activate my card without internet access?
Yes, some activation options, such as ATM activation or SMS services, may work without an internet connection. Availability depends on the services provided for your card.
Can I activate my card using an ATM?
Yes, ATM activation is one of the available methods for many salary card users. You can insert your card, complete the verification steps and set your PIN if required.
Can I activate my card by SMS?
Some users may be able to activate their Ratibi Salary Card through SMS. You need to follow the correct SMS format and use your registered mobile number for verification.
Can I use the card for international transactions?
Some Ratibi Salary Cards may support international payments, depending on the card features and settings. Check your card terms or contact customer support for confirmation before travelling.
How can I check whether my card has been activated?
You can confirm activation by trying a balance enquiry, making a small payment or checking your card status through available digital services.
You can also use services such as Fab balance check to confirm that your card is active and showing the correct available balance.
What should I do if I forget my PIN?
If you forget your PIN, contact customer support or use the available PIN reset options. Avoid trying incorrect PINs multiple times, as this may temporarily block your card.
What should I do if my activation fails?
If activation fails, check that your card details, mobile number and verification information are correct. You can try another activation method or contact customer support for assistance.
Can I receive my salary before activating the card?
Salary payments may depend on your employer’s payroll process. However, you generally need an active card to access and use the received funds.
How can I verify my salary after activation?
You can verify your salary by checking your card balance, reviewing transaction history or using available salary enquiry services. A Ratibi balance check helps confirm whether your monthly payment has been credited successfully.
