Disclaimer

1. Independent Educational Resource

Ratibi Guide is an independent, non-commercial educational resource created to assist workers in the United Arab Emirates. The purpose of this site is to provide clear, accessible, and easy-to-understand information about how to use and check the balance of a Ratibi payroll card issued by First Abu Dhabi Bank (FAB).

We are not a financial institution, we do not hold any banking licenses, and we do not provide any financial services. All content is provided for informational and educational purposes only.

2. No Affiliation with First Abu Dhabi Bank (FAB)

The official FAB website can be found at https://www.bankfab.com. The names "First Abu Dhabi Bank", "FAB", and "Ratibi" as well as related names, marks, emblems, and images are registered trademarks of their respective owners and are used here solely for informational identification purposes.

3. Not Financial Advice

The information contained on this website is for general information purposes only. It does not constitute financial, legal, banking, or professional advice of any kind. We strongly recommend that you consult directly with your bank or employer regarding your salary, bank account status, fees, and all financial matters.

Decisions made based on information from this website are made at your own risk. Ratibi Guide accepts no liability for any financial decisions made based on content found on this site.

4. Information Accuracy

We make every effort to ensure that the information on this website is accurate and up-to-date. However, bank policies, fees, SMS shortcodes, contact numbers, and procedures may change at any time without notice. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the website. Any reliance you place on such information is therefore strictly at your own risk.

5. The Interactive Demo Tool

The balance checking tool provided on the homepage of this website is a simulation designed for educational purposes only. It does not connect to any banking APIs or servers. It cannot retrieve your actual card balance. Any card number you choose to enter into the tool is not transmitted over the internet, not processed, and not stored anywhere. The tool exists only to visually demonstrate the steps involved in checking a Ratibi card balance.

6. No Warranty

This website is provided on an "as is" basis without any guarantees or warranties, expressed or implied. We do not warrant that the website will be available at all times, error-free, or free from viruses or other harmful components. We reserve the right to modify or discontinue the website at any time without notice.

7. Contacting the Bank

For any issues related to lost or stolen cards, forgotten PINs, delayed salary credits, incorrect balances, or any other account-related matter, you must contact First Abu Dhabi Bank directly.