Payroll Services – Ratibi

Make life convenient for your employees by depositing payroll salaries on our Ratibi Card


Transform your business and discover the benefits of Ratibi


Easy for you

Easy for your employees

Accepted at all Visa and MasterCard merchants throughout the world

FREE ATM installation at your company if you apply for 2,500 or more cards

Fully compliant with the UAE Government’s WPS guidelines


Transform your business and discover the benefits of Ratibi

Employee benefits

  • Employees receive their salary on Ratibi Card
  • No monthly charges or minimum balance required
  • Use at all VISA/MasterCard merchants, ATMs and online purchases, inside and outside UAE
  • Free Personal Accidental Insurance up to AED 25,000 in case of death or in-patient hospital care

Employer benefits

  • This is a direct stress free salary payment service
  • Ratibi securely transfers salaries from the company’s corporate account to employees' Ratibi Cards
  • Confidence in the service as Ratibi is compliant with all UAE government regulations

Policy and Procedures guide

  • As an employer, you should hold a NBAD Corporate Account for issuing Ratibi cards
  • You will need to update NBAD with each cardholder's mobile phone number
  • We advise that employers communicate to the employees the security issues associated with employees’ cards
  • Cards captured by any NBAD ATMs must be reported by the cardholder and you must inform the Ratibi Unit within 24hrs of capture to collect the card back from any NBAD branch
  • For cards captured by non-NBAD ATMs – they will be destroyed by the receiving bank and the employer must apply for a new card in the name of the employee


Ratibi is a payroll prepaid Visa/MasterCard. It’s designed for employees with a monthly pay scale between AED 350 and AED 5,000. You will find it convenient for you as well as for your employees. It is a simple and efficient way to pay their monthly salaries to a prepaid card. They will additionally benefit from our Wage Protection System (WPS) and free insurance.

Free insurance
Your staff will be covered for permanent disability, death or repatriation of remains and hospital cash benefits:

  • Covers all employees aged between 18 and 64
  • Insured for five times their monthly salary (up to AED 25,000)
  • Benefits include 100% of insured for death by accident or permanent total disability, plus a hospital cash benefit in case of injury for periods ranging from 1-30 days at AED 50 per day, with a maximum of AED 1,500; mortal remains will be repatriated for a maximum sum of AED 5,000

Wages Protection System (WPS)
The Wages Protection System (WPS) is an electronic Salary Transfer System that allows companies to pay the salaries of their employees electronically as required under local UAE law.

Features include:

  • Safe and convenient salary payment solution with a single bank transfer
  • Lower cost and no cash handling risk to pay your employees
  • Fully automated service with dedicated help desk


Who can apply?

  • The cardholder must be residing in UAE
  • Applicable only for active cards (cards which are not loaded for more than three months will not be covered)
  • Only cardholders with complete and up to date details will be accepted


How to apply for Ratibi Cards

  • Complete the Ratibi application form and the employee details Excel sheet
  • The application must be submitted to your NBAD branch or your NBAD Relationship Manager

Ways to Apply

Visit us in branch

Talk to one of our in branch experts about all your banking and financial needs

By phone

Lines open 24/7

UAE Helpline

6005 222 98

Interntional Helpline

+971 2 410 3444

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