A convenient prepaid card that gives you access to your money without the need for a bank account
With the Ratibi Payroll Prepaid Card, you’re able to 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
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.
- A stress free salary payment service
- Secure salary transfers from your company’s corporate bank account to your employee’s Ratibi prepaid cards
- Confidence in a service that is fully compliant with UAE government regulations
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.
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 their employees any security issues associated with employees’ cards
- Cards confiscated by NBAD ATMs must be reported by the cardholder and the Ratibi Unit informed within 24hrs in order to collect a replacement card from any NBAD branch
- Any cards confiscated by non-NBAD ATMs will be destroyed by the receiving bank and employer's must apply for a replacement card in the employee's name
- The cardholder must live in the UAE
- Only cardholders with complete and up to date details will be accepted
- Applicable only for active cards (Cards which are not loaded for more than three months will not be covered)
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