How to Transfer Money from Ratibi Card – Complete Guide
In today’s fast-paced digital economy, the need for simple and secure money transfer methods is more critical than ever. If you’re a Ratibi cardholder, transferring funds has never been easier. The Ratibi Card, issued by First Abu Dhabi Bank (FAB), is a popular prepaid payroll solution in the UAE, especially for employees without traditional bank accounts. Whether you’re looking to send money to family back home or pay local bills, understanding how to transfer money from Ratibi Card is essential for maximizing its potential.
🌟 What is the Ratibi Card?
The Ratibi Card is a reloadable prepaid card designed primarily for employees earning less than AED 5,000. Unlike other cards, it doesn’t require the holder to open a bank account. With features like zero maintenance fees and easy access to salaries, it’s ideal for salary disbursement, fund management, and local or international money transfers.
Also read: FAB Balance Check Made Easy
🚀 Why Transfer Money Using the Ratibi Card?
Transferring money from a Ratibi Card isn’t just a feature—it’s a full-service experience designed for ease, affordability, and accessibility. Here’s why thousands across the UAE prefer it:
✅ Convenience at Your Fingertips
Initiate money transfers anytime using the FAB mobile app, online portal, or through authorized exchange houses. The Ratibi Card is tailored for users who need a hassle-free experience without navigating complex banking systems.
⚡ Faster Transfers
Ratibi transactions are processed quickly, which is ideal during emergencies or time-sensitive transfers. The card connects with both domestic and international financial networks to ensure prompt fund delivery.
💸 Cost-Effective Transfers
The low transaction fees and competitive exchange rates make Ratibi a budget-friendly option. It’s an excellent choice for frequent senders who want to minimize transfer costs.
🌍 Bank-Free Access
You don’t need a traditional bank account to use the Ratibi Card. That’s a game-changer for many unbanked workers in the UAE, offering financial inclusion and easy access to digital payments.
Related: NOL Card Balance Check
🧾 Step-by-Step Guide: How to Transfer Money from Ratibi Card
Here’s a detailed walkthrough on how to send money from your Ratibi Card to any UAE or international bank account.
1️⃣ Check Your Ratibi Card Balance
Before initiating a transfer, ensure your card has sufficient funds. Use the:
- FAB Mobile App
- FAB Ratibi Balance Check Portal
- SMS balance inquiry services
2️⃣ Choose the Right Transfer Method
Ratibi supports various transfer channels such as:
- Mobile Wallets (like Payit, eWallet)
- Bank Transfers (Local & International)
- Exchange House Transfers
- P2P Transfers (Peer-to-peer among Ratibi users)
3️⃣ Enter Recipient Details
You’ll need the recipient’s:
- Full Name
- Bank Account Number / IBAN
- Bank Name & Branch (for international)
- Mobile Number (for mobile wallets)
4️⃣ Authenticate and Confirm
After reviewing the entered information, input your secure PIN or OTP for transaction authentication. This ensures safe and secure processing of the transfer.
5️⃣ Save the Transaction Receipt
Once the transaction is complete, download or screenshot your receipt. It includes important details like:
- Reference Number
- Amount Sent
- Date & Time
- Recipient Account Info
🔒 Security Features and Best Practices
FAB employs advanced encryption, two-factor authentication (2FA), and fraud monitoring to protect your funds. As a user, you should also:
- Never share your PIN or OTP
- Avoid public Wi-Fi during transactions
- Regularly monitor your balance and transaction history
💰 Ratibi Card Transfer Fees & Limits
The transfer fee structure depends on:
- Transfer method (wallet, local bank, international)
- Destination country
- Transaction amount
Generally, the fees are lower compared to traditional banks. For updated limits, check directly with FAB or consult your nearest exchange house.
✅ Need to check transfer fees or get real-time exchange rates? Speak with our customer support to find the most cost-effective solution for you.
🛠 Common Issues and How to Fix Them
While the Ratibi system is highly reliable, you may occasionally face issues like:
- ❌ Transaction failure: Check if the balance is sufficient or retry using a stable internet connection.
- ⚠️ Incorrect recipient details: Ensure all information is double-checked before submitting.
- ⏳ Delayed transactions: International transfers can take up to 48 hours. Contact FAB support for updates.
🔄 Alternatives to Ratibi Card for Money Transfers
Although the Ratibi Card is ideal for most users, alternatives include:
- Western Union / MoneyGram
- Payit by FAB (for digital wallet solutions)
- Bank wire transfers
- Remit apps like Remitly, Wise, and Xpress Money
Each option has its own fee structures, limits, and user experience, so choose what works best for your financial needs.
❓ Frequently Asked Questions
Can I transfer money from Ratibi Card to another bank account in the UAE?
Yes, you can use bank transfers via the FAB mobile app or exchange house services.
Can I link Ratibi Card to Payit?
Absolutely! Open Payit on your smartphone, tap on “Ratibi Cardholder?”, scan your Emirates ID, and follow the on-screen instructions.
What if I lose my Ratibi Card?
Immediately report it to FAB or your employer. You can request a replacement card while safeguarding your remaining balance.
✅ Final Thoughts
The Ratibi Card is more than a salary card—it’s a powerful financial tool for anyone in the UAE needing quick, affordable, and secure access to money transfers. Whether you’re sending money to family abroad or paying bills locally, learning how to transfer money from Ratibi Card empowers you to take control of your financial life.
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