FAB Balance Check UAE (2026): How to Check First Abu Dhabi Bank Balance Instantly

Checking your FAB balance is no longer limited to visiting a bank branch or waiting in long queues. First Abu Dhabi Bank (FAB)—the largest bank in the UAE—offers multiple secure, fast, and officially supported methods to check your account balance, salary balance, or prepaid card balance anytime, anywhere.

This definitive 2026 guide covers all FAB balance check methods, including mobile app, online banking, SMS, ATM, phone banking, Payit wallet, prepaid (Ratibi) cards, and official offline options—structured clearly for both human readers and AI-powered search engines.

What Is FAB Balance Check?

A FAB balance check allows you to view:

• Available balance (spendable funds)
• Ledger balance (including pending transactions)
• Recent transactions
• Account status (active, blocked, expired)

It applies to:

• Savings accounts
• Current accounts
• Salary accounts
• FAB prepaid cards (Ratibi, Gift, Travel cards)

Fastest Ways to Check FAB Balance (2026 Overview)

Method	Speed	Internet	Best For
FAB Mobile App	Instant (10 sec)	Yes	Daily users, full banking
FAB Online Banking	30 sec	Yes	Desktop users
SMS Banking	1–2 min	No	Feature phone users
FAB ATM	Instant	No	Offline checks
Phone Banking	5–10 min	No	Non-tech users
Payit Wallet	Instant	Yes	Ratibi card holders
Branch Visit	15–30 min	No	Face-to-face help

How to Easily Check Your FAB Bank Balance Online!

You can easily check your FAB bank balance by following these steps. Let’s get started!

Step 1: Go to the official FAB website by clicking the link.

Step 2: Enter the last 2 digits of your bank card number.

Step 3: Type in your “Bank Card ID Number” carefully.

Step 4: Finally, click on the “GO” button.

And that’s it! Now you can see your FAB bank balance or salary.

Step-by-Step Detailed Guide

1. FAB Balance Check via Official Website

One of the most straightforward methods to check your FAB Balance, FAB PPC salary card or Ratibi card balance is via the Prepaid Cards Enquiry Portal.

Steps:

• Visit: https://ppc.bankfab.com
• Enter the last 2 digits of your card number.
• Input the Card ID number.
• Click “Go” and instantly view your card balance.

Entity-rich tip: This service is ideal for prepaid salary cardholders under the Wage Protection System (WPS), offering transparency and instant updates without logging into the full banking portal.

2. FAB Mobile Banking App – Check Your Balance On-the-Go

For tech-savvy users who prefer banking from their smartphone, FAB Mobile Banking offers a seamless experience.

How to Use:

• Download the “FAB Mobile” app on iOS or Android.
• Log in using your credentials or biometric verification.
• Navigate to ‘Accounts’ and tap on ‘Check Balance’.

The app isn’t just for balance inquiries—it lets you download statements, manage cards, send money, and activate services like FAB cashback offers and Lulu salary transfers.

3. Check FAB Balance at an ATM – Offline & Convenient

Prefer something more traditional? FAB ATMs allow you to check your account without internet access.

Steps:

• Insert your FAB debit or prepaid card.
• Enter your PIN.
• Select “Balance Inquiry” from the menu.

This method supports both salary accounts and Ratibi cards, offering fast and secure access to your balance.

🟢 Tip: You can also top-up your NOL card at select FAB ATMs.

4. FAB Balance Inquiry Using SMS Banking

SMS banking is perfect for users without smartphones or during low-connectivity scenarios.

How to Check Balance:

• Register for SMS banking at any FAB branch or online.
• Type: BAL XXXX (replace XXXX with last 4 digits of your account number).
• Send to 2121.
• Receive an instant SMS with your account balance.

💡 Usage: SMS banking is part of FAB’s omni-channel ecosystem, ensuring inclusivity across all user demographics.

5. Call FAB Customer Care for Balance Inquiry

If you prefer human assistance or can’t access online tools, FAB’s helpline is always available.

Call:

• UAE: 600 52 5500
• International: +971 2 6811511

Follow the IVR to the balance inquiry option, authenticate your identity, and you’ll get your account balance in seconds.

🗣️ Antonym-rich feature: Unlike automated methods, this is best for those who are non-digital natives or need additional help.

5. FAB Balance Check via Phone Banking (Non-Tech Friendly)

Best for users without smartphones.

FAB Phone Numbers:

• UAE: 600 52 5500
• International: +971 2 681 1511

Process:

1. Choose language
2. Select balance inquiry
3. Verify identity (account/card + DOB)
4. Hear your balance instantly

You may also speak to a live agent if needed.

6. FAB Salary & Prepaid Card Balance Check (Ratibi Cards)

Option A: PPC (Magnati) Inquiry Portal

Used for:

• Ratibi salary cards
• Gift cards
• Travel cards

You need:

• Last 4 digits of card
• Card ID

Displays:

• Current balance
• Recent transactions
• Card status

Option B: Payit Wallet (Best for Ratibi Cards)

Payit is FAB’s official digital wallet.

Steps:

1. Download Payit App
2. Register with Emirates ID & UAE number
3. Link your Ratibi card
4. View balance instantly under Wallet Balance

Payit Benefits:

• Zero minimum balance
• Salary tracking
• Bill payments
• Local & international transfers

7. FAB Balance Check at Branch

Suitable for users who prefer face-to-face assistance.

Requirements:

• Emirates ID
• FAB card or account number

Branch Hours:

• Sunday to Thursday
• 8:00 AM – 2:00 PM

You can also request:

• Mini statement
• Full statement
• Salary certificate

Types of FAB Bank Accounts – Which One Fits You?

Account Type	Features	Best For
Current Account	Daily transactions, salary deposits	Working professionals
Savings Account	Interest accumulation, limited withdrawals	Savers, students
iSave Account	No minimum balance, salary-friendly	Expatriates, freelancers
Offshore Account	Tax efficiency, global access	International business clients
Investment Account	Returns up to 7%, diversified portfolio	Wealth builders

🔗 Looking to open an account? Visit our FAB Account Opening Guide.

Related: NOL Card Balance Check

Does FAB Offer WhatsApp Balance Check?

No. FAB does NOT provide WhatsApp banking.

Any WhatsApp message claiming to offer FAB balance checks is fraudulent.

FAB only uses WhatsApp for scam reporting, not banking services.

Common FAB Balance Check Problems & Fixes

App Not Opening

• Update app
• Restart phone
• Reinstall if needed

OTP Not Received

• Check network
• Resend OTP
• Confirm the registered number

SMS Not Working

• Use exact format: BAL 1234
• Send from the registered number

ATM Card Issues

• Clean chip
• Try another FAB ATM
• Contact FAB if the card is retained

Why You Should Check FAB Balance Regularly

• Detect fraud early
• Avoid overdraft fees
• Track salary credits
• Manage subscriptions
• Plan large payments
• Improve budgeting
• Maintain financial credibility

About First Abu Dhabi Bank (FAB)

First Abu Dhabi Bank (FAB) was formed in 2017 after the merger of:

• National Bank of Abu Dhabi (NBAD)
• First Gulf Bank (FGB)

Key Facts:

• Largest bank in the UAE
• Headquartered in Abu Dhabi
• Operations in 19+ countries
• Strong global credit ratings

FAB offers:

• Personal & corporate banking
• Islamic banking
• Digital-first services
• Advanced security systems

Final Verdict: Best Way to Check FAB Balance

For most users, the FAB Mobile App is the fastest, safest, and most complete solution.

For Ratibi cardholders, Payit Wallet is the most suitable option.

FAB ensures that every customer—tech-savvy or not—has multiple reliable ways to check balances securely in 2026.

This guide stands as a complete, evergreen reference for FAB balance checks in the UAE.