Ratibi is a salary payroll solution designed to pay the salaries of employees who earn up to AED 5,000. These employees will receive their salaries on their cards without the need for a bank account.
With Ratibi Payroll Prepaid Card, you can securely make payments at retailers and deposit / withdraw your money from a wide range of ATM networks around the world - all without the need for a bank account, saving you money on banking fees.
Transform your business and discover the benefits of Ratibi
- A stress free salary payment solution
- Real time card management via online banking
- Alternative services for salary processing as per corporate requirement
- Secure salary transfers from your corporate account to Ratibi prepaid cards via online banking
Wages Protection System (WPS)
NBAD supports salary payments through the Wages Protection System (WPS). We can efficiently process your salary payments electronically in compliance with UAE regulations.
- Fully automated service with dedicated help desk
- Safe and convenient salary payment solution with a single bank transfer
- Payment in local currency within the UAE Lower cost and no cash handling risk to pay your employees
Salary Payment (Non-WPS)
NBAD can also process your standard salary payment for Non-WPS payroll in local currency within the UAE. Salary files can be sent via our electronic channel in bulk with single debit entry pass through your account. Individual entries will be protected and only available to view by restricted users.
Policy and procedures guide
- Employers must hold an NBAD Corporate Account for issuing Ratibi cards
- Employers will be the point of contact between their employees and NBAD
- Employers must educate their employees on the card usage and handling techniques
- Any cards confiscated by any ATMs will be destroyed by the receiving bank and employer must apply for a replacement card
- Employer has to hold a corporate account with NBAD
- The employee must be a resident of UAE
- Only employees with complete and up-to-date KYC details will be accepted
Forms to complete
How to apply?
Discover NBAD products to suit you
A range of cards, accounts and exclusive services designed to help you get more for your money