A salary check answers one question: has my salary landed? If your pay goes onto a prepaid salary card such as Ratibi, you check the card. If it goes into a FAB bank account, you check the account in the app. This guide covers both, and what to do if your salary is late.
For the main guide to every FAB balance method, see FAB Balance Check. For salary-card checks in detail, see FAB Salary Card Balance Check.
How salaries are paid in the UAE: WPS
Most private-sector salaries in the UAE are paid through the Wage Protection System (WPS), the electronic salary-transfer scheme supervised by MOHRE and the Central Bank of the UAE. Under WPS, your employer sends your salary through a bank or an approved payroll provider, and the transfer is recorded.
Your employer chooses how your salary reaches you. Some workers are paid into a bank account. Others — often workers earning up to AED 5,000 per month — are paid onto a prepaid salary card such as FAB Ratibi. Ratibi is a prepaid card, not a bank account. It has no chequebook and no overdraft. Your employer loads your salary onto the card, and you withdraw cash or pay in shops with it.
A salary card is checked on the PPC portal. A salary account is checked in the FAB Mobile app or FAB Online Banking. If you are unsure which you have, ask your employer.
Checking a salary card: the PPC portal
If your salary goes onto a Ratibi or another prepaid salary card, check it on the Prepaid Card Inquiry (PPC) portal. There are two official portals:
- FAB portal: https://ppc.bankfab.com/PPCInquiry/
- Magnati portal: https://ppc.magnati.com/ppc-inquiry/
Magnati is FAB’s payments technology partner. No registration or app is needed. Type the address into your browser yourself. Never reach the portal by clicking a link in a text message or an email.
The fields vary by portal version. The Magnati version asks for the last 4 digits of the card, your Card ID, and a CAPTCHA. The FAB PPC version asks for the 16-digit card number and CVV. The Card ID is a separate reference number printed on the card or on its welcome-envelope carrier. It is NOT the card number. The portal never asks for your PIN or OTP. FAB warns that it never asks for PIN, OTP or password via phone, SMS, email or WhatsApp. If any balance page asks for your PIN or OTP, close it at once.
You can also check at a FAB ATM: insert the card, enter your PIN, and select Balance Inquiry. Payit, FAB’s wallet app, also supports Ratibi cardholders: register as a “Ratibi Cardholder”, scan your Emirates ID, then add your card ID and the last 2 digits of your card number, enter your mobile number, enter the 6-digit SMS code, and create a 4-digit PIN. See Prepaid Card Enquiry.
Checking a salary account: app and alerts
If your salary goes into a FAB bank account, check it in the FAB Mobile app. After login, your account balance appears on the home screen, with transactions listed below. FAB Online Banking at bankfab.com shows the same information, including statements and transaction history. The app also offers real-time alerts, so you can see a salary credit the moment it arrives.
Set up alerts for incoming credits, so your phone tells you when the salary lands. Check the transaction list, not just the balance, to confirm the credit is your salary. Do not use the PPC portal for an account: it is for prepaid cards only. See FAB Balance Check Salary.
When is payday?
Under the UAE Wage Protection System, your salary for a month is due on the 1st of the following month (MOHRE Ministerial Resolution No. 340 of 2026, in force 1 June 2026). Your employer may pay earlier, but if it has not arrived by the 1st, it is late. Do not assume a date from a colleague at another company — the WPS due date is the 1st, but your employer may pay earlier.
If you are new to a job, ask your employer for your pay date and whether pay is monthly. If your salary usually arrives on a certain day and this month it has not, give it a short time — banks process transfers during working hours — then follow the late-salary steps below. A one-day delay is often a processing delay, not a missing payment. A delay of several days needs a check.
What to do if your salary is late
Check with your employer first. This is the most important step. Your employer controls when the salary is sent, and in most late-pay cases the money has not left the employer yet. Ask whether the salary was sent, on what date, and to which card or account. Ask for the transfer reference if there is one. Keep a note of who you spoke to and when.
Next, check the right place. If you hold a salary card, check the PPC portal again and check the card number carefully — many workers hold more than one card. If you hold a salary account, check the app and look at the transaction history, not only the balance. A salary credit can arrive without a large change in the visible balance if other payments went out at the same time.
If your employer says the salary was sent but it has not arrived, contact FAB on 600 52 5500 in the UAE, or +971 2 681 1511 from outside the UAE.
Do not pay anyone who promises to release your salary for a fee, and never share your PIN or OTP with anyone claiming to help. FAB never asks for PIN, OTP or password via phone, SMS, email or WhatsApp.
Safety: salary scams
Salary day is a busy day for scammers. The common tricks are a text message saying your salary is blocked and asking you to click a link, a call claiming to be from FAB or MOHRE asking for your OTP, and a WhatsApp message offering to check your salary for you. FAB does not offer balance checks through WhatsApp: in 2026 the Central Bank of the UAE directed all UAE banks to stop using WhatsApp for customer communication and financial services. Real salary information comes only from your employer, the PPC portal, a FAB ATM, or the FAB app and online banking. Type bankfab.com yourself. Never follow links from SMS or email.
FAQ
This is an independent informational guide. We are not affiliated with, endorsed by, or connected to First Abu Dhabi Bank (FAB). Always confirm balances, fees and procedures through FAB’s official channels at bankfab.com or by calling 600 52 5500.