Are you looking for the easiest way to check your First Abu Dhabi Bank (FAB) account balance in the UAE? Whether you’re a salary cardholder or have a personal account, knowing how to check your balance instantly can help you stay on top of your finances.

FAB offers several convenient options for balance enquiry, including online banking, mobile apps, SMS, ATMs, and customer care support. This guide explores every available method in detail so you can choose the most suitable one based on your needs and access.

Whether you’re connected to the internet or offline, FAB ensures you have multiple secure ways to track your balance. We’ll walk you through step-by-step methods for checking your account or Ratibi card balance with real-world insights. By the end of this blog, you’ll have all the tools and confidence you need to check your FAB balance quickly and accurately.

What Is First Abu Dhabi Bank?

First Abu Dhabi Bank (FAB) is the largest and most trusted financial institution in the UAE. Established in 2017 from the merger of First Gulf Bank and the National Bank of Abu Dhabi, it offers a wide range of banking services, including savings accounts, loans, credit cards, and prepaid cards like the Ratibi.

Monitoring your balance is crucial for a number of reasons. It helps you avoid overdraft fees, track expenses, detect unauthorized transactions, and stay informed about your financial position. FAB provides digital access through multiple channels, ensuring you can check your account anywhere, anytime.

Here’s why regular balance enquiry matters:

• Helps prevent overdrafts and penalty charges
• Improves budgeting and expense tracking
• Detects fraud or suspicious activity early
• Offers instant financial visibility

By keeping tabs on your balance, you gain more control over your financial life, whether you’re managing a business account or receiving your salary on a Ratibi card. It’s not just about knowing how much money you have, but ensuring your banking is secure and informed.

How Can You Check Your First Abu Dhabi Bank Balance Online?

FAB offers a fast and secure way to check your account balance online, either through its website or mobile banking app. These platforms give you full access to your financial details anytime, anywhere in the UAE. Here’s how you can do it step-by-step:

Check Balance via FAB Website (Online Banking)

• Visit the official website: Open your browser and go to bankfab.com.
• Click on “Online Banking”: From the homepage, select the “Personal Banking” option to continue.
• Log in to your account: Enter your User ID and Password. If you haven’t registered yet, you can click “Register” to create your login.
• Access the account section: Once logged in, go to the “Accounts” tab from the main menu.
• View your balance: Select your active account, and your current balance will be displayed on the screen.
• Log out safely: Always remember to log out after checking, especially if you are using a public or shared device.

Check Balance via FAB Mobile Banking App

• Download the FAB App: Install the FAB Mobile Banking App from Google Play Store (Android) or App Store (iOS).
• Open the app and log in: Use your customer ID or debit card number. You’ll receive a one-time password (OTP) via SMS for secure login.
• Access your account: After logging in, the home screen will show your available balance. You can also navigate to the “Accounts” section for more details.
• Use additional features: You can view your transaction history, transfer funds, and manage your cards.
• Enable security options: Turn on Face ID or fingerprint login for faster and more secure access next time.

Online banking is ideal for those who want a full overview of their finances in real time. Whether through the FAB website or mobile app, both methods offer a reliable and efficient way to check your balance and manage your banking needs.

Is There a Way to Do a First Abu Dhabi Bank Balance Enquiry by SMS?

Yes, FAB offers a quick and simple SMS banking service for checking your account balance. This option is especially helpful when you don’t have internet access but still need to verify your available funds. To use SMS banking, make sure your mobile number is registered with your FAB account.

Then, simply send an SMS in the following format:

• Type: BAL [last 4 digits of your account number]
• Send it to: 2121

Once the message is sent from your registered number, you’ll receive an instant reply with your current account balance. This service works on any mobile phone and is compatible with all UAE networks.

Points to keep in mind:

• Ensure SMS banking is activated by contacting FAB if it isn’t already
• Standard SMS charges may apply
• Only registered numbers can request balance

SMS banking is perfect for quick access when you’re on the go or in areas with limited connectivity.

Can You Check Your Balance Through an ATM or Phone Call?

If you’re not using the internet or prefer offline options, First Abu Dhabi Bank allows you to check your account balance through ATMs and customer service phone calls. Both methods are simple, secure, and accessible throughout the UAE. Here’s how you can use each one step-by-step:

How to use an ATM for Balance Enquiry?

1. Visit a nearby FAB ATM: Locate the closest FAB ATM using the FAB branch and ATM locator on their website.
2. Insert your card: Place your FAB debit, credit card, or Ratibi card into the ATM card slot.
3. Enter your PIN: Type your 4-digit Personal Identification Number (PIN) to access your account.
4. Select ‘Balance Inquiry’: From the menu options displayed, tap on “Balance Inquiry.”
5. View your balance: Your account balance will be shown instantly on the screen.
6. Print a receipt (optional): You can choose to print a copy for your records.
7. Remove your card: Make sure to take your card before leaving the machine.

This method is perfect when you don’t have mobile data or internet access.

Required Card and PIN

To use ATM or phone-based services, you’ll need:

• Your active FAB card (debit, Ratibi, or credit)
• Your correct 4-digit PIN linked to that card

If your PIN is lost or blocked, reset it through online banking or by visiting a FAB branch.

FAB Customer Care Number

For balance enquiries via phone, FAB provides 24/7 customer service:

• Inside UAE: Call 600 52 5500
• Outside UAE: Dial +971 2 6811511

Automated vs. Live Agent Support for Balance Queries

FAB’s phone banking system offers both automated and live assistance:

1. Call the FAB support number from your mobile or landline.
2. Follow the IVR instructions (Interactive Voice Response) to select “Balance Inquiry.”
3. Enter your account number and PIN when prompted for verification.
4. Hear your balance spoken back through the system or choose to talk to a live agent.
5. For additional help, press the option to speak with a representative who can guide you through further steps.

Phone banking is useful when you’re traveling or need human support to solve a specific query about your account balance. These offline options ensure that even without an internet connection, you can always stay updated on your account status.

How Do You Check Ratibi Card Balance in the UAE?

Ratibi is a prepaid salary card by FAB designed for employees earning less than AED 5,000. It does not require a bank account and offers an easy way to receive and use your salary.

Checking your Ratibi balance is just as straightforward as checking any other FAB card. The online portal is the most used method. Go to https://www.bankfab.com or https://balancecheckfab.ae.

You’ll need to enter:

• The last 2 digits of your card number
• The 13-digit card ID

Click “Go” and your current balance will be displayed instantly.

You can also check your Ratibi balance using:

• FAB Mobile App (log in using your card credentials)
• ATM by inserting your card and entering your PIN
• SMS banking if your number is registered
• Customer support at 600 52 5500 or +971 2 6811511

Ratibi card holders benefit from instant salary access, and balance checking is available anytime using the above methods.

What Are the Most Common Issues with FAB Balance Enquiry?

While FAB offers many reliable balance enquiry options, users sometimes face minor issues that can interrupt their experience. These are often easy to fix or avoid with simple troubleshooting.

Common problems include:

• Incorrect login credentials: Ensure your username, password, or PIN is entered correctly.
• Expired or blocked card: Reactivate or replace your card through customer service or online banking.
• Unregistered mobile number: SMS balance service only works with numbers linked to your FAB account.
• Inactive SMS banking: Activate it by calling FAB or visiting a branch.
• App or website not loading: Try clearing your browser cache or updating the FAB mobile app.

These issues are generally temporary and can be quickly resolved by contacting FAB support. Regularly updating your details and keeping your credentials secure helps reduce service disruptions.

Where Can You Get Help for First Abu Dhabi Bank Balance Enquiries?

If you’re facing difficulties or have questions about your FAB balance, help is readily available. The bank offers multiple customer support options across digital and physical channels to assist users promptly.

Here are the best support channels:

FAB also offers product-specific numbers such as Ratibi (600522298), Payit (600543329), and more. Their customer care is known for quick turnaround times and effective solutions.

Quick Methods for FAB Balance Enquiry

Understanding the variety of balance enquiry options FAB provides can help you choose the right method based on your situation. Below is a quick-reference table summarizing all popular methods.

Each method is tailored for different needs, whether you’re checking your salary or tracking expenses during travel. Choose one that suits your preference and access level.

Conclusion

Whether you’re a salaried employee with a Ratibi card or a FAB account holder managing multiple accounts, checking your bank balance is now simpler than ever. FAB offers multiple secure and accessible options to ensure you’re always informed about your financial standing.

From the user-friendly mobile app to offline SMS services and ATMs, you’re never far from your balance details. Each method has its own convenience and accessibility, ensuring that everyone in the UAE has access to reliable balance enquiry tools.

Regularly monitoring your balance is a great habit for staying financially aware and safe from fraud or overdraft issues. Stay updated, stay secure, and take control of your finances with FAB’s balance enquiry services.

FAQs

How do I register for FAB mobile banking?

You can register by downloading the FAB Mobile App, entering your customer ID or debit card number, and verifying with an OTP sent to your registered number.

Can I check my FAB balance without internet access?

Yes, you can use SMS banking by sending a message or check your balance at any FAB ATM using your card and PIN.

Is there a fee for using SMS balance enquiry?

Standard SMS charges may apply depending on your mobile carrier, but FAB does not charge for this service directly.

What should I do if I forgot my FAB login details?

You can reset your password using the FAB online banking login page or by contacting customer support for assistance.

How do I know if my Ratibi card is active?

You can check by logging into the Ratibi portal or contacting FAB’s dedicated Ratibi support number for status verification.

Can I check someone else’s FAB balance with their permission?

No, for security reasons, FAB does not allow access to another person’s account without formal authorization or power of attorney.

Is there a way to get FAB balance alerts regularly?

Yes, you can enable balance alerts through the mobile app or online banking by turning on SMS and push notification services.