FAB Balance Inquiry Explained 2026: All Secure Ways to Check Bank & Salary Balance
Managing your finances efficiently starts with knowing your account balance. First Abu Dhabi Bank (FAB) offers multiple secure methods to check your bank and salary balance in 2026, catering to digital-savvy users as well as those who prefer offline banking. Whether you hold a FAB account, a Ratibi salary card, or a prepaid card, this complete guide will help you navigate all options with ease.
This guide explains all official fab balance inquiry methods for salaried employees, prepaid card users, Ratibi card holders, and regular FAB account customers across the UAE.
First Abu Dhabi Bank (FAB) is the largest bank in the UAE, formed by the merger of National Bank of Abu Dhabi (NBAD) and First Gulf Bank (FGB). It offers a wide range of banking services including personal banking, corporate solutions, Islamic banking, and advanced digital banking platforms. FAB focuses on secure, fast, and convenient financial solutions for individuals and businesses across the UAE.
Headquarters: Abu Dhabi, UAE
Operations: 19+ countries across five continents
Core Services: Personal accounts, salary cards, prepaid cards, credit cards, online and mobile banking
Digital Banking Platforms: FAB Mobile App, Payit Wallet, SMS Banking, Online Portal
Why Checking Your FAB Balance Regularly is Important
Detect Fraud Quickly: Spot unauthorized transactions and report them immediately.
Avoid Overdraft Fees: Monitor available funds to prevent overspending.
Verify Transactions: Ensure deposits, withdrawals, and transfers are accurate.
Plan Large Payments: Track balances to schedule rent, bills, or travel bookings.
Optimize Rewards and Benefits: Some accounts offer perks for maintaining a minimum balance.
1. Checking FAB Balance via Mobile App (Fastest Method)
The FAB Mobile Banking App is the most convenient and secure method to check your balance. It supports instant balance display, transaction history, and multiple account management.
Steps to Check FAB Balance via Mobile App:
Download the FAB Mobile App from Google Play Store or Apple App Store.
Sign Up or Log In: Use your registered mobile number and verify with a One-Time Password (OTP).
Provide Account Details: Enter your FAB account number, debit/credit card, or prepaid card details.
Enable Biometric Login: Use Face ID or fingerprint for faster access.
View Balance: Your available and ledger balance appear instantly on the home screen.
Key Features of FAB Mobile App:
24/7 access from anywhere
Multiple accounts viewable simultaneously
Digital mini statements and full transaction history
Secure with biometric login and encryption
2. FAB Balance Check via Payit Wallet (For Ratibi Salary Cards)
Payit Wallet is a digital solution powered by FAB, designed especially for Ratibi salary card users. It provides a simple way to view balance, pay bills, and transfer funds.
Download the Payit App and register with your Emirates ID and mobile number.
Select Ratibi Salary Card and log in using your FAB credentials.
Enter Your 4-Digit PIN or use biometric authentication.
Go to Wallet Balance to see your current funds instantly.
Tips for Payit Users:
Ensure strong internet connectivity
Refresh the app if balance does not display
Re-link Ratibi card if syncing issues occur
3. FAB Balance Inquiry via SMS Banking
Register for SMS Banking through FAB ATM, branch, or customer care.
Send an SMS to 2121 with the message: BAL XXXX (XXXX = last 4 digits of your account).
Receive a reply showing available balance, ledger balance, last transaction, and masked account number.
Tips: Use the registered mobile number and follow the exact format for instant results.
Provide verification details such as account number, Emirates ID, and DOB
Receive your balance instantly through automated voice or speak with a representative
5. Checking FAB Balance via Online Banking Portal
Visit www.bankfab.com
Click Login under Personal Banking
Enter your username, password, and OTP for multi-factor authentication
View available balance, ledger balance, and transaction history
6. Checking FAB Balance at ATMs
Locate a nearby FAB ATM using Google Maps or the FAB App
Insert your card and enter your PIN
Select Balance Inquiry and choose the account type
View balance on-screen or print a receipt
Tips: Cover the keypad while entering PIN and try another ATM if balance does not display.
7. Visiting a FAB Branch
Go to the nearest FAB branch (open Sun–Thu, 8 AM–2 PM)
Carry Emirates ID and FAB account/debit card
Take a queue ticket for Account Inquiry
Speak with a teller to get your available and ledger balance
Extra services include mini/full statements, account certificates, and assistance with transactions.
8. FAB AI Virtual Agent
Call FAB Customer Care
Speak naturally: “I want to check my account balance”
Verify your identity through OTP or account details
Instantly receive balance details from the AI assistant
Important Security Tips
Never share OTPs or passwords
Enable biometric login on the app
Log out after every session, especially on shared devices
Report suspicious transactions immediately
Comparison of FAB Balance Check Methods (2026)
Mobile App: Instant, Internet required, Smartphone, High Security, Full banking, Daily users
Payit Wallet: Instant, Internet required, Smartphone, High Security, Salary card services, Ratibi card users
SMS Banking: 1–2 min, No internet, Phone, High Security, Balance only, Basic users
Phone Banking: 5–10 min, No internet, Any phone, High Security, Balance + help, Non-tech users
Online Banking: 30 sec, Internet required, Computer, High Security, Full banking, Desktop users
ATM: 30 sec, No internet, ATM, High Security, Mini statement, Offline users
Branch Visit: 15–30 min, No internet, None, High Security, Full services, Non-tech users
AI Virtual Agent: Instant, No internet, Phone, High Security, Balance + guidance, Everyone
Conclusion
FAB Balance Inquiry 2026 is simple, secure, and designed to fit every type of user. From mobile apps for instant access to offline options like ATMs and branches, FAB ensures you can manage your bank and salary balances anytime, anywhere. For Ratibi card holders, the Payit Wallet offers the most convenient and feature-rich solution.
Regularly checking your FAB balance not only helps you avoid fees and detect fraud but also improves financial planning, budgeting, and spending efficiency. With multiple secure methods, you can confidently manage your funds, track transactions, and enjoy seamless banking in the UAE with First Abu Dhabi Bank.
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