FAB Balance Check UAE – Step-by-Step Guide (2026)

Managing your finances becomes much easier when you know exactly how to check your bank balance quickly. If you are a customer of First Abu Dhabi Bank (FAB) in the United Arab Emirates, you have several convenient ways to check your account balance anytime.

Whether you are using a bank account, debit card, credit card, or prepaid salary card, FAB offers multiple secure methods to perform a FAB balance check. This guide on Gulf247 explains every option step-by-step so you can choose the fastest and most convenient method.

What Is FAB Balance Check?

A FAB balance check means viewing the available money in your First Abu Dhabi Bank account or card. It helps you monitor your finances, confirm salary deposits, and track spending.

FAB customers can check balances for several types of accounts:

Bank Accounts

Savings and current accounts allow customers to view their available funds, recent transactions, and pending payments.

Debit Cards

Checking the debit card balance shows the money available for withdrawals and purchases.

Credit Cards

A credit card balance check shows your outstanding amount, available credit limit, and payment due date.

Prepaid Salary Cards (Ratibi)

Many employees in the UAE receive wages through prepaid salary cards such as Ratibi cards, which are issued by First Abu Dhabi Bank.

Checking the balance confirms whether the salary has been credited.

FAB Balance Check Methods

FAB provides several convenient ways to check your balance. Choose the method that best fits your situation.

Method 1 – FAB Mobile Banking App

The easiest and fastest way to check your balance is through the FAB Mobile Banking app.

Why Use This Method?

The mobile app provides instant balance updates and allows customers to manage all accounts from their smartphones.

Steps to Check Balance Using the App

1. Open the Apple App Store or Google Play Store.
2. Search for FAB Mobile Banking and install the app.
3. Open the app and select Already a Customer.
4. Enter your Customer ID or Card Number.
5. Scan your Emirates ID if required.
6. Enter the OTP sent to your registered mobile number.
7. Set a secure login PIN or password.
8. Log in to the app dashboard.
9. Your account balances will appear immediately.

Extra App Features

• View recent transactions
• Transfer money
• Pay bills
• Check credit card dues
• Locate nearby ATMs

Method 2 – FAB Online Banking

Online banking is useful if you prefer accessing your account through a computer browser.

Steps for Registered Users

1. Open the official FAB online banking website.
2. Enter your User ID and Password.
3. Verify login with an OTP sent to your phone.
4. Click Accounts or Cards.
5. Your balance will appear on the screen.

Steps for New Users

1. Click Register / First Time User.
2. Enter your Customer ID or Card Number.
3. Verify your mobile number using OTP.
4. Create a User ID and password.
5. Log in to view your balance.

Online banking also allows you to download statements and review detailed transactions.

Method 3 – FAB ATM Balance Check

If you do not have internet access, you can check your balance at an ATM.

FAB operates hundreds of ATMs across cities such as Dubai, Abu Dhabi, and Sharjah.

Steps to Check Balance at ATM

1. Visit the nearest FAB ATM.
2. Insert your FAB debit or prepaid card.
3. Select your preferred language.
4. Choose Balance Inquiry.
5. Enter your PIN.
6. The screen will display your balance.
7. Print a receipt if needed.

Extra ATM Features

• Cash withdrawals
• Mini statements
• Credit card bill payments
• Money transfers

Method 4 – Ratibi / Prepaid Salary Card Portal

Employees using prepaid salary cards can check balances through the prepaid card portal.

Steps

1. Visit the official FAB prepaid card enquiry page.
2. Enter your Card ID.
3. Enter the last 4 digits of the card number.
4. Complete the captcha verification.
5. Click Submit.
6. Your salary card balance will appear instantly.

This method is popular among workers who receive salary through Ratibi cards.

Method 5 – FAB IVR Phone Call

FAB also provides an automated phone system for balance enquiries.

Steps

1. Call the FAB customer service number.
2. Select your preferred language.
3. Choose Balance Inquiry from the menu.
4. Enter your card number or customer ID.
5. The system will read your balance.

FAB Customer Service Numbers

Customer Service: 600 52 5500
International: +971 2 6811511
Ratibi Service: 600 522298

Method 6 – SMS Banking

Some customers can receive balance information through SMS banking.

Steps

1. Ensure your mobile number is registered with FAB.
2. Confirm SMS banking is enabled for your account.
3. Send the required keyword to the official FAB SMS number.
4. You will receive your balance by SMS.

Method 7 – Visit a FAB Branch

If your account has problems or you need a printed statement, visiting a bank branch is the best option.

Steps

1. Visit the nearest First Abu Dhabi Bank branch.
2. Bring your Emirates ID and bank card.
3. Take a service token.
4. Request a balance enquiry or mini statement from the teller.

Special Cases

Checking Credit Card Balance

Open the FAB Mobile Banking App and select Cards.
You will see:

• Outstanding balance
• Minimum payment due
• Available credit limit

Ratibi Salary Cards

Use the prepaid card portal with your Card ID and last four digits.

Salary Not Showing?

If your salary has not appeared yet:

1. Confirm with your employer that payroll has been processed.
2. Wait until the end of the payroll day.
3. Refresh the mobile app or online banking.
4. Contact FAB customer support if the issue continues.

Troubleshooting Problems

OTP not received → Update your registered mobile number.
App not working → Reinstall the latest version.
Portal error → Try another browser.
Forgot password → Use the Forgot Password option to reset it.

Safety Tips

Protecting your banking information is extremely important.

• Never share your PIN or OTP.
• Only use official FAB apps and websites.
• Enable fingerprint or Face ID login.
• Report suspicious calls immediately.

Fees and Charges

FAB Mobile App balance check → Free
FAB ATM balance check → Free
Other bank ATMs → Small fee may apply
SMS banking → Charges may apply depending on mobile provider

Which FAB Balance Check Method Is Best?

If you want the fastest option, use the FAB Mobile Banking App.

If you prefer using a computer, online banking works well.

If you do not have internet access, an ATM is the best option.

Employees using salary cards should use the Ratibi prepaid portal.

Frequently Asked Questions

Can I check FAB balance without internet?

Yes, you can check it using an ATM or by calling the IVR phone service.

Is Ratibi card balance check free?

Yes, the prepaid card portal is free.

Why is my FAB balance not updated?

Some transactions may take several hours to appear in your account.

Can I check my FAB balance outside the UAE?

Yes, you can use the mobile app or online banking from anywhere.

Final Thoughts

Performing a FAB balance check is simple thanks to the multiple banking options provided by First Abu Dhabi Bank. Whether you use the mobile app, online banking, ATM, prepaid card portal, or phone service, checking your balance only takes a few minutes.

By regularly checking your account balance, you can stay informed about your finances and avoid unexpected issues with payments or salary deposits.