FAB Balance Check: 10 Fast & Easy Methods in UAE (2026)
You can check your FAB balance right now—online, by SMS, or at an ATM. All methods are free. Most take under one minute. Pick the one that works for you below.
All FAB Balance Check Methods at a Glance (Quick Comparison Table)
Before we go into detail, here is a quick look at every method.
| Method | Needs Internet? | Time Needed | Best For |
| PPC Portal | Yes | 30 seconds | Ratibi & prepaid card holders |
| Mobile App | Yes | 1 minute | All FAB account holders |
| SMS to 2121 | No | 20 seconds | Basic phone users, no data |
| Phone Banking | No | 2 minutes | Non-tech users, seniors |
| Online Banking | Yes | 1 minute | Desktop users |
| ATM | No | 2 minutes | Cash users, no internet |
| Payit App | Yes | 1 minute | Ratibi card holders |
| Branch Visit | No | 10 minutes | Complex issues only |
Which FAB Balance Check Method is Best for You?
If you have a Ratibi card, use the PPC portal or Payit app. If you have a full FAB account, the mobile app is your fastest option. No internet? Send an SMS to 2121. That’s it.
Explore FAB Banking Services in One Place
Not sure where to start? Don’t worry.
Whether you’re searching for FAB branches, ATM locations, online banking, or card services, everything is organized below.
Click on any button to open a complete, easy-to-understand guide related to that topic.
This way, you save time and get the right information without unnecessary searching.
What is FAB Bank? (First Abu Dhabi Bank Overview)
First Abu Dhabi Bank — known as FAB — is the largest bank in the UAE. It was formed in 2017 when the National Bank of Abu Dhabi (NBAD) and First Gulf Bank (FGB) merged. If your card still says NBAD on it, don’t worry. All NBAD services now run under FAB. Every method in this guide works for your card.
FAB serves millions of customers across the UAE. It operates hundreds of ATMs in Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain. The bank’s headquarters sits in Khalifa Business Park, Abu Dhabi. Its official website is bankfab.com.
Core Services Offered by FAB
FAB offers personal banking, business banking, salary accounts, prepaid cards, credit cards, loans, and digital wallets. It runs the Payit app—an official digital wallet used by millions of UAE workers. FAB also manages the Ratibi salary card system, which covers workers who earn AED 5,000 or less per month.
Types of FAB Accounts
FAB offers savings accounts, current accounts, salary accounts, iSave accounts, Elite accounts, and prepaid salary cards. Each type has its own balance check process. This guide covers all of them.
Is FAB Balance Check Free?
Yes. Checking your FAB balance is completely free — whether you use the app, SMS, ATM, or online portal. No hidden charges. The only exception is SMS charges if you are roaming outside the UAE on a foreign SIM.
How to check FAB Bank Balance
Method 1: FAB Balance Check via PPC Inquiry Portal (Fastest for Prepaid Cards)
This is the fastest method for Ratibi cardholders and prepaid card users. You don’t need to log in to full banking. You don’t need a smartphone app. Just a browser — on any phone or computer.
Step-by-Step: How to Check FAB Ratibi Card Balance Online
- Open your browser. Go to ppc.magnati.com/ppc-inquiry
- Enter the last 2 digits of your card number.
- Enter your Card ID. This number is printed on the front of your card.
- Complete the CAPTCHA (the human verification step).
- Click “Go.”
- Your balance appears on screen within seconds.
That’s all. No login. No password. No app needed.
What Information Is Shown on the Portal?
After you click “Go,” you will see your current balance, your last 5 to 10 transactions, your card status (active, expired, or blocked), and reload options if your card supports top-ups.
Troubleshooting PPC Portal Errors
Portal won’t load: Clear your browser cache. Try a different browser.
Wrong Card ID entered: Check the front of your card. The Card ID is the long number printed below your name.
Balance not showing: Wait 2 minutes and try again. If the issue continues, call FAB on 600 52 5500.
Method 2: FAB Balance Check via Mobile App (Recommended)
The FAB Mobile App is the best all-round method for people with smartphones. It shows your balance in real time, lets you view full transaction history, and works 24 hours a day.
How to Download and Set Up the FAB Mobile App
Open the Google Play Store (Android) or Apple App Store (iPhone). Search for “FAB Mobile.” Download the app published by First Abu Dhabi Bank only. Avoid look-alike apps from other publishers.
How to Log In and Verify Your Identity (OTP)
New users: Open the app and tap “Register.” Enter your registered UAE mobile number. FAB sends a 6-digit OTP (One Time Password) to your phone. Enter the OTP. Then enter your card number or Customer ID. Scan your Emirates ID using your phone camera. Complete the face verification step. Create a username and password.
Returning users: Open the app. Tap “Already a Customer.” Enter your username and password. Or use Face ID or a fingerprint if you set it up.
How to View Your Balance and Recent Transactions
After login, your balance appears on the home screen. Tap “Accounts” to see each account separately. You will see two numbers: Available Balance and Ledger Balance.
An available balance is the money you can spend right now. A ledger balance includes pending transactions that haven’t fully processed yet. If you bought fuel or checked into a hotel recently, those holds affect your available balance first.
Useful Features of the FAB Mobile App
The app lets you download bank statements, block or unblock your card, change your ATM PIN, transfer money locally and internationally, pay bills, and top up your Nol card. It also shows spending insights so you can track where your money goes each month.
FAB Mobile App Safety Tips
Never share your OTP with anyone. Do not use public Wi-Fi when checking your balance. Enable Face ID or fingerprint login for faster, safer access. Always log out after use on shared devices. Update the app regularly from the official app store.
Common FAB App Problems and Quick Fixes
Balance not updating: Refresh the dashboard. Log out and log back in. Check your internet connection.
OTP not arriving: Make sure your registered mobile number is active. Check that you have a mobile signal. Wait 2 minutes before requesting a new OTP.
App login failure: Check your password. Reset it using “Forgot Password” inside the app. If the issue continues, call 600 52 5500.
Account not visible: Your account may be newly opened or require an Emirates ID update. Visit the nearest FAB branch with your Emirates ID.
Can I Check FAB Balance Without Internet?
Yes. Two methods work without internet: SMS banking (send BAL to 2121) and ATM balance inquiry. Both are free and work on basic phones. No smartphone or data needed.
Method 3: FAB Balance Check via SMS Banking
SMS banking is built for workers who use basic phones or have no mobile data. It works anywhere in the UAE. You just need your registered mobile number and a signal.
How to Register for FAB SMS Banking
You must register your mobile number before using SMS banking for the first time.
Register via FAB ATM
Go to any FAB ATM. Insert your card. Enter your PIN. Select “SMS Banking Registration.” Follow the on-screen steps. Done.
Register via Customer Care
Call 600 52 5500. Ask the agent to activate SMS banking for your account. Have your Emirates ID and card number ready.
Register at FAB Branch
Visit any FAB branch. Bring your Emirates ID and FAB card. Ask the staff to register your mobile number for SMS banking. This takes about 5 minutes.
How to Send SMS to Check FAB Balance (Exact Format)
Open your SMS app. Type: BAL 1234 (replace 1234 with the last 4 digits of your account number). Send this message to 2121. You will receive your balance within seconds.
The reply shows your available balance, ledger balance, and a summary of recent transactions.
Tip: Always send from your registered mobile number. Sending from a different number will not work.
SMS Banking Tips and Limitations
SMS banking does not show full transaction history. It gives a quick balance snapshot, not a detailed statement. If you need full history, use the app or online portal. Some prepaid card types may not support SMS banking — check with FAB if you’re unsure.
Method 4: FAB Balance Check via Phone Banking (Best for Non-Tech Users)
Phone banking works for anyone. You don’t need the internet. You don’t need a smartphone. Just call the FAB helpline and follow the voice instructions.
FAB Phone Banking Contact Numbers (UAE and International)
UAE residents: 600 52 5500 — available 24 hours a day, 7 days a week. Outside the UAE: +971 2 681 1511 — for international callers. Ratibi card holders: 600 52 2298 or +971 2 499 6279
Always call from your registered mobile number. This speeds up identity verification.
Step-by-Step: How to Check Balance by Phone Call
- Call 600 525 500 from your registered mobile number.
- Choose your preferred language.
- Select the balance inquiry option from the menu.
- The system will ask you to verify your identity.
- Enter your account number or card number when prompted.
- Enter your phone banking PIN or date of birth.
- Your balance will be read out to you.
Total time: around 2 minutes.
FAB Virtual Agent: What It Does and How to Use It
When you call FAB, you first speak with an AI-powered virtual agent. It understands normal conversation. You don’t need to say exact commands. Just say what you need—”I want to check my balance. “It will guide you step by step. If you prefer a real person, say “agent” or press 0.
Identity Verification Requirements
FAB will ask for one or more of the following: your account number or card number, your Customer ID, your date of birth, or your phone banking PIN. Have these ready before you call.
Other Services Available via Phone Banking
Besides balance checks, you can report a lost card, dispute a transaction, ask about your salary credit, request a statement, or update your personal details—all over the phone.
Method 5: FAB Balance Check via Online Banking (Official Website)
FAB’s online banking portal works on any laptop, tablet, or desktop. It gives full access to all your accounts, statements, and transaction history in one place.
6th Step: FAB Bank Balance check using ATM (Complete image guide)
Fab bank balance check ATM is the best and most reliable offline method. It is easy to use, and you can also withdraw your funds. ATMs are also the authentic way of checking a balance.
Here is the step-by-step guide on how to check the FAB balance through the ATM.
Steps
- Visit the ATM: Go to the nearby ATM for the inquiry.
2. Insert Card: Insert your relevant card.
3. Enter PIN: Enter your 4-digit PIN.
4. Choose Language: Choose one language from English and Arabic.
5. Choose Account Type: Click on the relevant account type (e.g., Current, Savings, Islamic, etc.).
6. Choose your inquiry: Choose the “Check balance” option from the menu.
7. Hard or soft balance: Choose “Print receipt (charges may apply)” or “On-screen option
8. Get your balance: Print your balance on the receipt or on the display screen.
9. Remove Card: Always remove the credit/debit card after the FAB balance check.
7th Step: Fab bank check balance by visiting the Bank Branch
The most valid but time-consuming option for checking the balance is visiting the bank branch. When you visit the bank branch, they will clear everything. You can ask any query or any question.
First Abu Dhabi Bank has good customer service. However, if the day is too busy, you may have to wait for some time. Here is the step-by-step process: you check your balance by visiting the branch.
Steps
- Visit the bank: Visit the nearest bank branch.
- Bring documents: Bring the necessary documents, like ID and your bank card.
- Get the token: Get the token from the token machine.
- Talk to the Bank Person: Talk to the person assigned to you.
- Get your balance: Get your bank balance from the bank person.
8th Step: Fab card balance check, using the Payit Wallet App
Payit is the wallet app used to manage the funds. The bank customer can easily check their balance through this app. The user can send or receive funds through this.
Here is the step-by-step process for checking your FAB balance through the Payit wallet app.
- Install Payit: Install the Payit wallet app from the Google Play Store or App Store.
2. Sign Up: Sign up with your account and set a password.
3. Login: After the sign-up up, log in with the details
4. Follow Easy Steps: Follow the steps Payit may want you to do.
5. Check Balance: Check your balance from the Payit Wallet home screen.
6. Log out (optional): Log out of the app.
How to Check NBAD Bank Account Balance?
NBAD (National Bank of Abu Dhabi) and FGB (First Gulf Bank) merged to make a single bank, FAB (First Abu Dhabi Bank). NBAD (National Bank Abu Dhabi) is also known as FAB (First Abu Dhabi Bank). It is the former name of First Abu Dhabi Bank. So, users can also check the balance through the FAB Mobile App, Payit Wallet, physically at the Bank, ATM, SMS service, PPC inquiry portal, etc.
All these methods are valid and useful for every type of user. Users can check their NBAD balance online and offline with these methods.
FAB Bank Balance Check Online Options for Every Customer Type
Customer | Best Methods for Balance Inquiry | Important Note |
|---|---|---|
FAB Salary Account |
| You cannot choose the Payit Wallet app for salary balance checks. Salary option is not available in Payit. |
Ratibi or any other Prepaid Card |
| You can use every method to check Ratibi’s card balance. It has various advantages with no service charges applied. |
Credit/DebitCard Users |
| In the FAB mobile app or online portal, there is a slight difference in checking the balance of a credit/debit card. “Open the mobile app and head on to the “Card Management” section for checking the credit/debit card balance.” |
NBAD Users (now called FAB) |
| You have to use your NBAD login details. |
International Users |
| SMS banking is not available for international users. You may be charged international call or data charges for phone banking. |
FAB Balance Check Salary – Complete Guide for Salary Account Users
Checking your FAB salary balance is simple if you know the right method for your account type. Salary account holders can instantly view their balance using the FAB Mobile App, online banking, ATM, or SMS banking. The most reliable option is the FAB Mobile App because it shows real-time salary credits and deductions. Payit Wallet does not support salary balance checks, so salary users should avoid that option. Regularly checking your FAB salary balance helps you confirm timely salary deposits and detect any deduction errors early.
Comparison of All First Abu Dhabi Bank Balance Inquiry Methods
PPC inquiry Portal | FAB Mobile App | Official Website | SMS Banking | ATM | Phone Banking | Branch Visit | Payit |
|---|---|---|---|---|---|---|---|
The PPC portal always provides real-time information about the balance. It is free and unlimited. The user can check the history of the recent transaction. It has good security, a user interface, and mobile access. | The FAB mobile app has always real real-time information. Ionlyt just contains the balance info. The user can also get other data and resources, like their bank balance and transactions. It is also free and just needs an internet connection. | You can visit the official website of FAB through search engines. It is just available for online users. You cannot access it without an internet connection. | SMS banking is slightly different from all other transactions. It is offline, but it has some charges for a balance inquiry. On the other hand, if you subscribe the SMS banking, you can get an update of your balance daily. | ATM is the best offline method for FAB balance checks. You just need your card and should remember the 4-digit PIN for this inquiry. | Phone banking is just good for non-technical customers. However, it has a drawback as you can wait for a long time for any inquiry on busy days. | If you have time to go to the branch, it is another good offline option for you. If you do not even know about phone banking or SMS banking, you can choose this method. | The Payit wallet app is for all. It offers various services for free. However, users may find it difficult to find their inquiry option. |
FAB Bank Balance Check Enquiry Problems and Their Solutions
Bank customers mostly feel awkward facing problems with inquiries. So, they should know about every problem and its solution for a better and faster experience. Here are all the problems you can face for the FAB bank balance check with their solutions.
Login Errors
Problems: Login error is the problem most users face. Sometimes users enter wrong credentials or forget their passwords.
Solution: Try again 2 to 3 times, or click on the forgot password method. You will get a link in your attached email. If it is any other technical error or you know nothing, use phone banking for your problems.
ATM-Related Issues
Problems: ATMs are mostly used for cash withdrawal. Sometimes, there can be a server issue, and you may not continue your transaction.Solution: Try again after some time or talk to the bank’s help center for more information.
SMS Banking Errors
Problems: It mostly happens when you send a message to the ban, and there is no reply. What is the reason? The reason ithat s you may not have a balance in your phone number. You may have entered the wrong details or made any typos. Bankservicee can also be down for some time.
Solution: The solution is simple. Check all the details, your phone balance, and all the details. If everything is right, then there will be a bank issue. Wait for some time, and if nothing happens, use any other method.
Mobile App Troubles
Problems: When FAB customers face mobile app troubles, they usually have a low internet connection.
Solution: Check your internet connection and try again.
Online Banking Problems
When you head over to the bank website for a FAB balance check and you face any issue, it is mostly a problem. It has no solution until the bank server works properly.
Top Reasons to Regularly Check Your FAB Account Balance
Here is why you should check your balance on a regular basis.
- Detect Unusual or Fraudulent Transactions: You can detect any unusual or fraudulent transactions if you check your balance daily.
- Avoid Overdrafts and Penalty Fees: The bank may charge you some fees and deduct from your balance. If it happens without any reason, you can find it well.
- Verify Transaction Accuracy: When you make a transaction, you can check its accuracy, as banks sometimes release a lower balance.
- Expense monitoring: You can also keep an eye on your daily expenses and track their records.
Overview of First Abu Dhabi Bank (FAB)
- First Abu Dhabi Bank is the most established bank in the UAE and a leading financial institution also. It has a good reputation around the globe. National Bank Abu Dhabi and First Gulf Bank merged to form the first Abu Dhabi bank.
- FAB was established in April 2017. It has now become a well-known bank in the UAE. It provides loans, e-finance, insurance, and many more services.
Types of FAB Bank Accounts in the UAE
There are three types of FAB bank accounts in the UAE:
- Digital Salary Account (Payit Plus): A digital salary account in the FAB is used for salaried persons. It allows you to manage your account with salary alerts. The online and mobile app banking is also available in this account type.
- Savings Account: A savings account is used for interest and accumulating wealth. It is commonly a personal goal account type.
- Current Account: A current account is used for paying bills and receiving income and is best for businesses’ daily transactions with no interest.
FAB Customer Support
General Customer Care Helpline Numbers
For UAE Folks: 600 52 5500
For International Customers: +971 2 6811511
Main Office:
First Abu Dhabi Bank
Al Qurm – Business Park
P.O. Box 6316
Abu Dhabi, United Arab Emirates
Customer Care Email:
Email: atyourservice@bankfab.com
Conclusion
We have provided you with the complete guide for the FAB bank balance check with various methods. The bank customer support is 24/7. You can also check their customer support if you have any queries. Check your balance daily and be aware of fraud and any charges.
Disclaimer
This website is an independent informational platform and is not affiliated with, authorized by, or associated with First Abu Dhabi Bank (FAB) or any other bank mentioned on this site. All information provided, including fab bank balance check guides, is for general informational purposes only. Users are advised to verify details through official bank channels before taking any action.