Ratibi Prepaid Payroll Card

Have your salary paid safely and securely on to your Ratibi Prepaid Card

Ratibi Prepaid Card

A convenient prepaid card that gives you access to your money without the need for a bank account


  • Free personal accident insurance
  • No monthly charges or minimum balance
  • Free access 24/7 to the largest ATM & CDM network

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.

Existing Ratibi Card Holder?

Check your balance

Ratibi Prepaid Card Balance Enquiry

Ratibi card benefits

  • Free personal accident insurance
  • Use at all ATMs, in-store and online
  • Free SMS alerts on every salary credit
  • Customer support through our 24/7 call centre
  • Can be used at VISA/MasterCard merchants worldwide
  • Cardholders can select their own ‘PIN’ from NBAD ATMs
  • Free use of all NBAD ATMs, the largest network in the UAE
  • 100% compliant with the UAE Government’s WPS guidelines
  • No minimum balance requirement or monthly charges for cardholders

You’re insured

  • Free personal accident insurance up to AED 25,000 in case of death or hospitalisation
  • Hospital cash benefit - in the event of hospitalisation due to injury for at least 24 hours, you are eligible for daily cash benefit of AED 50 (For a maximum period of 30 days subject to a total of AED 1,500)
  • Permanent total disability due to accident is 100% of sum insured
  • Death due to accident is 100% sum insured

Safe and convenient

  • Dedicated help desk
  • No need for wage slips
  • Fully automated service
  • It’s a secure easy way to receive your wages

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.

Employer benefits

  • 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?

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