The Ratibi Prepaid Card has become one of the most popular financial solutions for workers in the UAE, especially those who do not have a traditional bank account. Launched by several UAE banks in compliance with the Wage Protection System (WPS), the Ratibi Card UAE offers a safe, secure, and convenient way for employees to receive their monthly salaries.
The Ratibi Prepaid Salary Card UAE is a payroll solution designed for employees earning up to AED 5,000 per month. Instead of requiring a full bank account, the Ratibi card allows workers to receive their salary directly on a prepaid card that functions just like a debit card.
Employees can use the card to withdraw cash, pay for goods and services, and even shop online—making it a convenient salary card UAE for those who may not have access to traditional banking services.
Key Features of the Ratibi Card
Ratibi Card Benefits
- Secure prepaid card for workers: The WPS system makes sure that salaries are loaded directly to the card. This reduces the risk of theft or fraud.
- Financial inclusion: It offers banking services to people who don’t qualify for a regular account.
- Cost-effective: There is no minimum balance requirement, and there are no monthly account maintenance fees.
- Convenience: You can use it to withdraw cash, shop, and pay bills online or in-person.
- Employer efficiency: Companies can pay employees quickly and easily without having to use payroll checks.
Who is Eligible for the Ratibi Salary Card?
If you meet the requirements, you may be eligible to receive the Ratibi Salary Card.
- Employees earning a monthly salary of AED 5,000 or less.
- Workers who do not have an active bank account in the UAE.
- Staff of companies that are registered under the Wage Protection System (WPS).
How to Get a Ratibi Card in the UAE?
Employer Enrollment: The employer signs up with a bank that is part of the Ratibi card payroll program.
Employee Details Submission: The company gives the bank information about its employees, like their Emirates ID, passport, and labor card.
Card Issuance: The bank gives each employee a prepaid card that is made just for them.
Salary Transfer: Employers add their employees’ salaries directly to the card each month using the WPS system.
Security of the Ratibi Prepaid Card
The secure prepaid card for workers has safety features such as:
- PIN protection for ATM and POS transactions.
- SMS alerts for transactions and balance updates.
- 24/7 fraud monitoring by the issuing bank.
- Instant card blocking in case of theft or loss.
Ratibi vs. Traditional Bank Account
| Feature | Ratibi Salary Card | Traditional Bank Account |
|---|
| Salary Transfer | ✔ | ✔ |
| Minimum Balance Requirement | ✘ | ✔ (varies by bank) |
| Online & POS Payments | ✔ | ✔ |
| Eligibility | Workers earning ≤ AED 5,000, no account needed | Requires documentation & eligibility checks |
| Annual/Maintenance Fees | ✘ | ✔ (depends on bank) |