FAB operates in over 19 countries across Asia, Europe, and the Americas. It focuses on innovation, customer service, and helping individuals and businesses grow financially. FAB is one of the safest and most trusted banks in the region. It is a leader in both local and global banking markets.

FAB Card Services: Secure Balance Inquiry for Prepaid Users

How to Check Your FAB Balance?

FAB offers FAB balance check easily and updates your real-time accounts. you can check your previous year credit and debit. This bank tracks your business's income and expenses. You can easily receiving notifications of all your transactions. The FAB bank balance check feature is useful for confirming salary payments.

You can use several methods to check your balance in First abu dhabi bank (FAB) through Online Banking, ATM and Customer Service.

Here's a more detailed Breakdown to Check FAB Balance :

FAB Mobile Banking App

Using mobile app, you can easily check your balance in FAB ( First Abu Dhabi Bank ).

FAB Banking Website

To check your FAB account balance by using online official FAB banking website, follow these steps.

ATM Balance Inquiry

Checking your bank account balance at an ATM is quick and easy. Here's how to safely check your ATM balance:

Safety Tips for ATM Balance Inquiries

• Don't accept help from strangers at the ATM.
• Use ATMs in safe, well-lit places.
• Don't share your PIN.
• Take your card and receipt immediately after completing a transaction.

FAB SMS Banking

FAB SMS Banking is a service that lets you do your banking through text messages. It lets customers do essential banking tasks using text messages on their phones. They don't need the internet or to go to a branch.

Benefits

• Useful for users with basic phones
• No internet required
• Available 24/7

FAB Phone Call Banking

FAB (First Abu Dhabi Bank) Phone Banking is a banking service that is available 24/7. It allows customers to access their accounts from a secure phone line. It's perfect for people who need easy access to banking services without using the internet or mobile apps.

Security Tips for FAB Phone Banking:

• Never share your PIN with anyone.
• Always call the official FAB number.
• Update your PIN regularly.
• Disconnect immediately if you suspect fraud or unusual activity.

FAB Payit App

Payit by First Abu Dhabi Bank (FAB) is a digital wallet that lets you pay for things online and in-app without using cash. It's a safe way to pay for your everyday purchases in the UAE. No matter what you're doing, whether it's sending money, paying bills, or shopping online, Payit makes it easy. Here's how to get started:

FAB Branch Visit

Visiting a First Abu Dhabi Bank (FAB) branch? Whether you're opening a new account, applying for a loan, or resolving an issue, this guide provides a clear, step-by-step breakdown to help you make the most of your FAB branch visit.

Which Methods Are Most Effective for Checking Your FAB Account Balance?

This table makes it easy to see the most efficient and secure ways to check your FAB balance. Each method is presented to help you quickly identify the option that best fits your preferences. These preferences may include speed, convenience, or safety.

Method	Best For	Why It’s Good	Rating (⭐ out of 5)
📱 Mobile App	On-the-go account access	Instant login, secure access, and user-friendly interface	⭐⭐⭐⭐⭐
💻 Online Banking	Managing finances from your desktop/laptop	Detailed overview of accounts, transactions, and features	⭐⭐⭐⭐⭐
🏧 ATM	No internet, need cash or quick check	Simple interface, quick results, requires card and travel	⭐⭐⭐⭐
📩 SMS Banking	No data or Wi-Fi access	Fast updates via text, no app or login required	⭐⭐⭐⭐
📞 Phone Banking	Personalized support or account issues	Human interaction, useful for complex or urgent concerns	⭐⭐⭐
💰 Payit Wallet App	Users of FAB's digital wallet system	Seamless for wallet payments, not ideal for full banking	⭐⭐⭐
🏦 Branch Visit	Need face-to-face help with banking matters	Direct support for complex services, slow but thorough	⭐⭐

🌍 How International Users Can Check FAB Account Balance – 5 Reliable Methods

Method	How to Use It (Step-by-Step)	Best For
FAB Mobile App (Quick & Secure Access Worldwide)	1. Download the official FAB Mobile App from Google Play or Apple App Store. 2. Log in using your customer ID and password. 3. Your account balance appears on the dashboard or under ‘Accounts’.	Instant, secure balance check from anywhere in the world.
FAB Online Banking (Best for Full Account Overview)	1. Go to the FAB Online Banking website. 2. Sign in with your online banking credentials. 3. Navigate to ‘Accounts’ to view your balance and transaction details.	Managing accounts, reviewing balances, and transaction history remotely.
Phone Banking (International Access) (Personalized Assistance)	1. Dial +971 2 6811511 (FAB’s international customer support number). 2. Follow the voice prompts or speak with an agent. 3. Provide account verification details to get your balance.	Ideal when you need customer support or have specific questions.
SMS Banking (No Internet Needed) (Simple & Fast Without Data)	1. Ensure your UAE mobile number is registered for SMS Banking. 2. Send an SMS with the format BAL XXXX (last 4 digits of your account) to FAB’s official SMS number. 3. Receive your balance via SMS.	Great for quick balance checks while roaming or offline.
ATM Balance Inquiry (For Travelers Abroad)	1. Use any international ATM that supports FAB debit or credit cards. 2. Insert your card, enter your PIN. 3. Select ‘Balance Inquiry’ to view your account balance.	Convenient when you're traveling and need physical ATM access.

FAB Ratibi & Prepaid Card Balance Check: Step-by-Step Instructions

If you’re working in the UAE and getting paid through a FAB Prepaid or Ratibi card, you’re not alone. I’ve been in your shoes—eager to check whether my salary dropped, wondering if the card balance would cover groceries, or simply double-checking my funds before heading to the ATM. These cards are a lifeline for thousands of employees across the UAE, especially those without traditional bank accounts.

Now, here’s the catch: many people don’t actually know all the different ways you can check your FAB card balance. I certainly didn’t when I first started using mine. I relied solely on ATMs (long queues and all) before I discovered simpler, faster methods.

Whether you’re paid via a FAB Prepaid card or the Ratibi salary card, this guide will help you check your card balance easily—without wasting time or standing in lines unnecessarily.

So, let’s dive into it. I’ll walk you through all the methods, tools, terms, and even answer common questions I’ve personally heard from coworkers, friends, and—well—people like you.

What Are FAB Prepaid and Ratibi Cards?

Prepaid vs Ratibi: What’s the Difference?

Both cards are issued by First Abu Dhabi Bank (FAB), one of the largest banks in the UAE. These aren't your typical debit or credit cards.

• FAB Prepaid Card: It’s reloadable and often used for allowances, corporate expenses, or remittances. Think of it like a flexible spending tool.
• FAB Ratibi Card: Specifically designed for salary disbursement for workers earning under AED 5,000 per month—typically those without a bank account.

Why Do Employers Use Them?

Employers love these cards because they’re compliant with the Wage Protection System (WPS). It simplifies payroll processing and keeps everything digital and transparent.

Card Components You Should Know

You'll usually need:

• Card Number
• PIN
• Expiry Date
• Emirates ID (for verification at exchange houses)

How to Check FAB Prepaid & Ratibi Card Balance

There’s more than one way to check your balance—and I promise, some are surprisingly convenient. Let’s explore each method.

1. Check Balance via FAB Ratibi Online Portal

This is my go-to method because it’s fast and doesn’t require you to log into a full banking app.

🔹 Pro Tip: Bookmark the site for quick access every month!

2. Use the FAB Mobile Banking App (for Prepaid Cards)

If you’re using a FAB Prepaid card (not Ratibi), you can manage everything through the FAB Mobile App.

Note: Ratibi cards don’t always work with the app. They’re considered “standalone” salary tools.

3. SMS-Based Balance Inquiry

Did you know you could check your balance without Wi-Fi or mobile data?

How to Do It:

📵 This method is simple but only works if your card is registered with a valid mobile number.

4. Check Balance at an ATM

Still the old-school way—and sometimes necessary if you’re on the go.

💡 You can also withdraw cash or get a mini statement here

5. Call FAB Customer Support

If you’re facing issues with online access, this might be the way to go.

6. Visit an Exchange House with Emirates ID

Some exchange houses like Lulu Exchange or Al Ansari Exchange offer FAB card balance services.

Banking Terms Breakdown

Common Lexical Terms You Might See

• Balance: The amount of money currently available.
• PIN: Personal Identification Number used to access ATMs.
• Transaction History: A record of recent spending and deposits.

Top Benefits of Regular Bank Balance Checks

You can keep track of your bank balance with any account—FAB Prepaid, Ratibi, or any other. It's a smart way to manage your money that can offer more benefits than you might think.

Let’s break down the key benefits of checking your balance regularly:

1. Prevents Overspending

We’ve all been there—you swipe your card without checking your balance, only to find out it’s been declined. Regular balance checks help you stay within budget and avoid overdraft or embarrassing moments at the checkout.

✅ Real-world example: I once assumed I had AED 500 on my Ratibi card. Turned out I had just AED 34. Glad I checked before ordering dinner for five!

2. Detects Unauthorized Transactions Early

By checking your balance regularly (and reviewing transaction history), you can spot suspicious activity quickly. Early detection can prevent bigger financial losses and give you a chance to report fraud immediately.

🔒 Better safe than sorry—especially with digital payments becoming more common.

3. Helps Track Salary Deposits

This is especially important if you’re using a FAB Ratibi card. Employers sometimes delay salary transfers, and regular balance checks help you confirm:

• When your salary is deposited
• Whether the correct amount was paid

4. Encourages Smarter Budgeting

When you consistently monitor your available funds, you naturally become more mindful of your spending patterns. This supports:

• Monthly budgeting
• Expense control
• Goal-based saving

💡 Tip: Pair balance checks with a budgeting app or notebook to stay even more in control.

5. Avoids Minimum Balance Penalties (For Other Account Types)

While Ratibi and Prepaid cards don’t usually have minimum balance fees, some FAB accounts do. Keeping an eye on your balance helps you avoid those small charges that can add up over time.

6. Reduces Financial Stress

Let’s be honest—not knowing your financial standing causes anxiety. A quick balance check can give you clarity and peace of mind, especially during tight months.

7. Builds Financial Discipline

Like going to the gym or brushing your teeth, checking your balance regularly builds a healthy financial routine. It’s one of those small habits that pays off in a big way over time.

8. Prepares You for Emergencies

Knowing your balance helps you act quickly in emergencies. Whether it’s a surprise medical bill, last-minute travel, or urgent shopping, being aware of your funds allows for faster, more confident decisions.

9. Makes Online Purchases Seamless

Nothing’s worse than placing an order online and getting a payment error because of insufficient funds. A quick balance check before you buy helps avoid that digital hiccup.

10. Encourages Savings Mindset

When you see your balance increase after each paycheck or savings transfer, it motivates you to save more consistently. It’s a visual reminder of progress that builds momentum.

How to Register for FAB Online Banking in the UAE: Step-by-Step Guide

If you're living in the UAE and hold an account with First Abu Dhabi Bank (FAB), online banking is no longer a luxury—it’s a necessity. Whether you're transferring funds, paying bills, checking your balance, or setting up standing orders, doing it all from the comfort of your couch (or while waiting in line for karak) is a game changer.

FAB, one of the largest and most trusted banks in the UAE, offers a robust online and mobile banking platform that’s both secure and user-friendly. But here’s the catch: you need to register first—and that’s where many users get confused.

The good news? Registering for FAB Online Banking isn’t complicated once you know the steps. And in this guide, we’ll walk you through the exact process, one step at a time. Whether you’re a tech pro or just getting started with digital banking, this guide has got your back.

Step 1 – Get Ready Before You Start

🔒 Pro tip: Make sure your mobile is nearby—you’ll receive an OTP (One-Time Password) to verify your identity.

Step 2 – Download the FAB Mobile App or Visit the Website

Step 3 – Enter Your Account Details

📱 Note: Make sure your mobile number is the same one linked with your FAB account. Otherwise, the registration will fail.

Step 4 – Verify with OTP (One-Time Password)

💡 Still not receiving it? Your number might not be updated. Contact FAB’s support or visit a branch.

Step 5 – Set Up Your Login Credentials

🔐 Tip: Use a password that combines letters, numbers, and symbols for better security.

Step 6 – Log In and Explore Your Dashboard

✅ Welcome! You now have full access to your FAB online banking dashboard.

How to Reset FAB Online Banking Password

Here’s a straightforward step-by-step guide on how to reset your FAB (First Abu Dhabi Bank) Online Banking password:

🔐 Steps to Reset Your FAB Online Banking Password

✅ Tips & Troubleshooting

✅ Quick Recap

Step	Action
1	Visit FAB Online Banking login → click Forgot Password
2	Enter User ID & email/mobile
3	Verify OTP sent via SMS/email
4	Set a new, strong password
5	Submit and log in with the new credentials

How to Use the FAB Mobile App?

Here’s a polished, step‑by‑step guide on how to use the FAB Mobile App:

1. 📲 Download & Install

Search for “FAB Mobile” on the App Store (iOS), Google Play (Android), or Huawei AppGallery.
The app has 1M+ downloads and a 4.1★ rating on Play Store.

2. Register / Log In

• Existing Users: Tap “Already a customer”, enter your debit/credit card or customer number, scan your Emirates ID, and complete the face‑scan for strong security.
• New to FAB? Select “Register”, scan your Emirates ID, do a video‑selfie (liveness check), then set a mobile PIN and swipe pattern bankfab.com.

3. Set Up Biometric Login

Enable Fingerprint or Face ID for faster and secure login next time.

4. Explore the Dashboard

Upon login, your home screen shows a clear overview of your accounts, recent transactions, cards, and balance summaries.

5. Account & Card Management

• View balances and e‑statements
• Activate, block, freeze cards or set spending limits

6. Transfers & Payments

• Send funds locally and internationally (e.g., India, Pakistan, Philippines, Sri Lanka) — many transfers are free and instant.
• Pay bills, mobile recharges, utilities, and more.

7. Apply for Products Easily

Apply for credit cards, personal loans, IPO subscriptions, iSave accounts, and multi‑currency accounts—all within a few taps.

8. Update Documents & Profile

• Upload passport, visa, Emirates ID updates directly from the profile section.
• Edit personal info: email, mobile, etc. .

9. Enhanced Security

Transactions are secured via biometric login, liveness check, single‑PIN, swipe approval, plus push‑notification authorization—no SMS‑OTP needed bankfab.com.

10. Convenient Extras

• Enable Apple Pay, Google Pay, Samsung Pay
• Locate nearest ATMs/branches
• Earn & redeem FAB Rewards, cashback, and enjoy exclusive offers.

🔧 Pro Tips

• Use push‑notifications for transaction approvals and alerts.
• If you lose your phone, immediately call FAB at 600 52 5500 (UAE) or +971 2 6811511 (Intl).
• You can register up to 3 devices for frictionless access bankfab.com.

✅ Quick Start Checklist

Step	Action
1	Download FAB Mobile and open the app
2	Register with Emirates ID (and liveness selfie) or log in as existing user
3	Enable biometrics (Fingerprint/Face ID)
4	Explore dashboard: accounts, cards, payments, offers
5	Manage cards, transfer funds, pay bills, upload documents
6	Set security via single PIN, swipe approval, push notifications

How to Check FAB Credit Card Balance?

Here's how to check the balance on your FAB credit card. You can use digital methods or traditional methods.

📱 1. Via FAB Mobile App

• Open the app and log in.
• You can find your credit card balance on the dashboard or under "Cards."
• To see all the details, tap the card and check your balances.

💻 2. On FAB Online Banking

• Visit the official FAB website and sign in to Online Banking.
• Go to the Cards or Accounts section.
• Choose your credit card to see your balance and payment history.

🏧 3. At a FAB ATM

• Put your FAB credit or debit card into any FAB ATM.
• Enter your PIN and select "Balance Inquiry" — you'll see your card balance or your account balance..

✉️ 4. By SMS (if activated)

• Send an SMS to 2121 with the text: BAL <your account number>.
• You’ll receive your current balance via SMS (standard messaging rates apply).

☎️ 5. Over the Phone

• Call FAB customer service at 600 52 5500 (UAE) or +971 2 681 1511 (international).
• Follow the voice prompts or ask a representative for your credit-card balance.

✅ Quick Reference Table

Method	How to Access	Balance Info Available
Mobile App	FAB Mobile → Dashboard/Cards	Current balance, transactions
Online Banking	bankfab.com → Login → Cards/Accounts	Current and available balance
ATM	FAB ATM → Insert card → Balance	Account/card balance printout
SMS	SMS “BAL <acct#>” → 2121	Balance reply via SMS
Phone Call	Call FAB → Follow IVR/Rep	Current balance over call

💡 Tips & Notes

• For SMS banking, ensure it's activated via FAB before use
• ATM fees may apply if you're using a non-FAB ATM.
• The Mobile App is the fastest and most convenient way to view real-time balances.
• If you don’t see your card under Cards in-app or online, try refreshing the app or contact FAB support.

How to Pay FAB Credit Card Bills?

Paying off your credit card bill is one of those things that seems straightforward—until it’s not. When I first got my FAB credit card, I thought, “No biggie, I’ll just set a reminder each month and knock it out.” Then life happened—travel, meetings, weekends flying by—and one late payment turned into a not-so-fun late fee. That’s when I realized: knowing all your options can be a lifesaver.

Whether you’re new to FAB (First Abu Dhabi Bank), or you've had your card for a while, this guide breaks down every single way you can pay your FAB credit card bill—without stress, confusion, or surprise charges. Let’s get into it.

Understanding FAB Credit Card Bill Payment

What Does It Mean to “Pay a FAB Credit Card Bill”?

At its core, you're simply settling the amount due that FAB reports to you monthly. Now, “bill” here doesn’t mean a dollar bill, of course. It’s an invoice (yes, “bill” is a polysemous word). In banking, "credit" itself originates from credere—Latin for “to trust.” Makes sense, right? You’re borrowing on trust.

When you pay your bill, you’re either making the minimum payment, clearing the full balance, or somewhere in between.

Why Timely Payment Matters

Here’s the thing—missed payments aren’t just annoying. They can be costly. Late payment fees, added interest, and even a ding to your credit score (if it goes on too long). FAB, like most banks, wants timely settlement of dues—and so should you. Financial responsibility and consistency are closely tied here.

All the Ways You Can Pay Your FAB Credit Card Bill

Pro Tips for Managing Your FAB Credit Card Payments

Set Reminders and AutoPay

Set a calendar alert—or better yet, set up AutoPay and sleep easy. Late fees are a waste of money.

Avoiding Late Payment Charges

Always aim to pay a few days before the due date. Even online transfers can delay by 1–2 days, especially if you’re paying from a non-FAB bank.

Use FAB SmartPay Installment Plans

Spent more than you planned? FAB SmartPay lets you convert big-ticket purchases into monthly installments at a low interest rate. Super handy for travel or emergency expenses.

FAB Balance Check Errors & Fixes

FAB Customer Support

FAB vs. Other UAE Banks: Balance Check Showdown (Who's Faster & Simpler?)

Why Balance Checking Shouldn’t Be a Headache in 2025
Let's talk about the truth. Looking at your bank balance should not feel like looking into a government database. You'd think that by now, all banks would have this basic functionality down.

Well… not quite.

I’ve personally banked with FAB, Emirates NBD, ADCB, and Mashreq, and I’ve helped friends figure things out with RAKBANK and Dubai Islamic Bank. So if you’re wondering:

"Is FAB the easiest bank to check my balance with?"

Now, let's look at the features, speed, convenience, and quirks of balance checks offered by UAE banks, especially through mobile apps, text messages, online portals, and ATMs.

🏦 Quick Comparison: Balance Check Options by Bank

Bank	Mobile App	Online Banking	ATM	SMS/USSD	Phone Support
FAB	✅ Very Good	✅ Standard	✅ Yes	✅ USSD & SMS	✅ 24/7
Emirates NBD	✅ Excellent	✅ Excellent	✅ Yes	❌ No USSD	✅ Good
ADCB	✅ Good	✅ Standard	✅ Yes	❌ No USSD	✅ Good
Mashreq	✅ Fast UI	✅ Good	✅ Yes	✅ SMS only	✅ Decent
RAKBANK	✅ Clean UI	✅ Okay	✅ Yes	✅ SMS	✅ Good
Dubai Islamic Bank	✅ Decent	✅ Basic	✅ Yes	✅ SMS	✅ OK

TL;DR: If you're looking for USSD balance checks (without mobile data), FAB is ahead of most traditional banks.

🔍 FAB’s Balance Check Methods: Pros & Cons

1. FAB Mobile App (FAB Mobile)

✅ Personal Opinion: I love that I don’t have to navigate through 5 menus just to see my balance.

2. FAB SMS Balance Check

⚠️ Must be registered for FAB SMS banking first. It’s quick and can be done at an ATM.

3. FAB USSD Balance Check (Without Internet)

💡 Perfect for when your mobile data is gone, or the FAB app won’t load.

4. FAB ATM & Phone Banking

🚫 Slight downside: If you have multiple accounts, the IVR system can feel slow.

📊 Other Banks: What Do They Do Better (Or Worse)?

Let’s go bank-by-bank...

🏦 Emirates NBD

✅ Verdict: Great if you’re always online, not ideal if you need offline access.

🏦 ADCB (Abu Dhabi Commercial Bank)

✅ Verdict: Very modern app. But not for the offline crowd.

🏦 Mashreq Bank

✅ Verdict: Simple enough, but can feel dated.

🏦 RAKBANK

✅ Verdict: Good for SMS lovers. But a step behind FAB in app interface.

🏦 Dubai Islamic Bank (DIB)

✅ Verdict: Okayish. Works, but could use refinement.

🧠 Human Insight: What Actually Matters When Checking Balance?

Here's what I've learned after doing my own personal banking in the UAE for many years.

• Speed is important. FAB balances more quickly than Mashreq or DIB.
• Offline access is important. If you've ever lost mobile data while abroad, FAB's *122# is a lifesaver.
• Simplicity is best. Some apps (especially older banks) hide the balance under 4 menu options.
• It's very important for the same content to be presented in a consistent way across all channels. FAB makes sure your balance is the same whether you check via app, text, or ATM.

Customer Reviews & Experiences

Frequently Asked Questions