NBAD Balance Inquiry 2024: NBAD Bank Balance Check Salary Card

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NBAD Balance Inquiry 2024: The National Bank of Abu Dhabi (NBAD), founded in 1968, was one of the UAE’s leading banks and a pioneer in the region’s banking industry. In 2017, it merged with First Gulf Bank (FGB) to form First Abu Dhabi Bank (FAB), now the UAE’s largest bank.

NBAD was known for its innovative financial products, including the Ratibi prepaid salary cards, and had a strong international presence across Asia, Europe, and North America. Today, FAB continues NBAD’s legacy, focusing on digital banking and financial solutions for a global customer base.

For individuals holding a salary card from the National Bank of Abu Dhabi (NBAD), checking your balance and managing finances has become seamless with various options available for balance inquiries. In this guide, we delve into all the methods available for NBAD balance inquiries, especially focusing on salary cards and the Ratibi card services provided by NBAD, now integrated with First Abu Dhabi Bank (FAB).

Methods to Check NBAD Bank Balance for Salary Card Holders

There are multiple methods available which you can use to check your NBAD Bank Balance, Here are some step-by-step methods explained which you can use for NBAD Balance Inquiry.

Method – 1: How to check NBAD Bank Balance Online?

The NBAD online banking portal allows customers to perform various transactions, including checking the balance of a salary card. If you’re new to online banking, here’s how you can start:

How to check NBAD Bank Balance Online
  1. Visit the NBAD or FAB Online Banking Official Website:
  2. Login to the FAB Online Banking Portal:
    • Use your registered credentials for NBAD or FAB online banking.
  3. Navigate to Balance Inquiry:
    • Locate the option for balance check under account management.
  4. Confirm Your Balance:
    • Your balance, including any salary credits, will be displayed. You can also access a mini-statement showing recent transactions.

Same as you can also check FAB Bank Balance Check

Method – 2: NBAD
Bank Balance Check via FAB Mobile Banking App

The FAB Mobile App provides an accessible solution for NBAD salary balance inquiries on the go. Here’s how to perform a balance check:

nbad bank balance check using mobile app1
  • Download the FAB Mobile App (available on iOS and Android).
  • Register using your account details and link your NBAD salary card if not already done.
  • Access the balance inquiry feature from the main dashboard.
  • View your current balance, recent salary credits, and any transactions made.

Method – 3: ATM Balance Inquiry for NBAD Salary Card

For those preferring physical access, ATMs are a reliable method for NBAD bank balance check salary cards:

NBAD Balance Check using ATM
  • Locate a nearby FAB or affiliated ATM.
  • Insert your NBAD salary or prepaid card.
  • Select Balance Inquiry from the options.
  • Your available balance will be displayed instantly, providing insight into salary credits and deductions.

Method – 4: SMS and Customer Service for Balance Enquiries

If you don’t have internet access, SMS banking or calling customer service are effective alternatives for checking your NBAD balance:

  • SMS Banking:
    • Register your mobile number for FAB SMS banking.
    • Send a balance inquiry SMS in the specified format to the designated FAB number at 6222.
    • A reply SMS will provide the current balance of your salary card.
  • Customer Service:
    • Contact the FAB customer care number and request a balance inquiry for your NBAD salary card.
    • The representative will guide you through the process and provide the balance after verifying your details.

Checking NBAD Salary Card Balance Online for Ratibi Card Holders

Understanding the Ratibi Card Balance Inquiry System

The Ratibi card is a prepaid salary card introduced by NBAD, now under FAB, designed to simplify salary payments for employees without a bank account. Checking the balance on a Ratibi card involves:

  • Online Portal:
    • Access the Ratibi.nbad.com balance inquiry system and log in with your card details.
    • View your current balance and previous transactions for transparency on your salary.
  • Mobile Balance Check:
    • Log into the FAB mobile app, or access balance inquiries via SMS.

Using the NBAD Prepaid Cards Enquiry System

The prepaid cards enquiry system allows Ratibi cardholders to check balances on FAB’s online portal:

NBAD Prepaid Card Balance Enquiry
  • Log into the FAB online prepaid card inquiry system.
  • Use your Ratibi card number to access balance information and recent transactions.
  • This system supports other prepaid cards offered by FAB, making it a central hub for prepaid card balance inquiries.

Benefits of NBAD Prepaid Salary Card Balance Inquiry

The NBAD Prepaid Salary Card, now managed by First Abu Dhabi Bank (FAB) after the NBAD-FGB merger, offers employees a convenient and secure way to receive and manage their salaries. Here are some key benefits of the NBAD Prepaid Salary Card Balance Inquiry:

  • Easy access to salary balance through multiple channels (ATM, online, mobile app, SMS).
  • Convenient for employees without bank accounts to receive and manage salaries.
  • Secure transactions with PIN protection and limited access to funds.
  • Avoids the need to visit a bank branch for balance inquiries, saving time and effort.
  • Reduces dependency on cash handling, promoting safer salary management.
  • Available 24/7, enabling employees to check their balance at any time.
  • Low to no fees for balance inquiries at FAB ATMs, making it cost-effective.
  • Supports budgeting and spending tracking, allowing employees to better manage their finances.
  • Easily accessible in the UAE and other regions through FAB’s extensive ATM network.
  • Option to use the card for purchases, eliminating the need for cash withdrawals.

How to Open NBAD Bank Account?

To open an NBAD (now First Abu Dhabi Bank – FAB) account, follow these steps:

  1. Visit a FAB Branch: Go to any FAB branch in the UAE.
  2. Bring Required Documents:
    • UAE Nationals: Emirates ID and passport.
    • Expats: Emirates ID, passport, and visa/residence permit.
  3. Choose Account Type: Select the account type (e.g., savings, current) that suits your needs.
  4. Complete the Application: Fill out the account application form.
  5. Submit and Wait for Approval: After verification, your account will be opened, and you’ll receive your account details and debit card.

For online applications, you can also visit the FAB website to begin the process.

How to Activate NBAD Mobile Banking?

To activate NBAD (now FAB) Mobile Banking, follow these steps:

  1. Download the FAB Mobile App: Available on both iOS and Android app store’s
  2. Register with Your Account Details:
    • Open the app, choose “New User Registration.”
    • Enter your account or card details and Emirates ID.
  3. Set Up Login Credentials: Create a username and password.
  4. Verify Your Mobile Number: Enter the OTP sent to your registered mobile number.
  5. Complete Security Setup: Set up additional security options like biometric login (fingerprint/Face ID).
  6. Log In and Start Using Mobile Banking: Once activated, you can check balances, transfer funds, and manage your account on the app.

What is NBAD Swift Code?

The SWIFT code for National Bank of Abu Dhabi (NBAD), now known as First Abu Dhabi Bank (FAB), is NBADAEAAXXX.

This code is used for international wire transfers and other cross-border transactions to identify FAB’s location in the UAE. If you need a branch-specific SWIFT code, please check with your local FAB branch, as the last three characters (XXX) may vary for different branches.

CountryBank NameSWIFT Code
United Arab EmiratesNBAD Bank (Head Office)NBADAEAAXXX
United Arab EmiratesNBAD BankNBADAEAADIR
EgyptFirst Abu Dhabi Bank MISR S.A.E. (formerly First Abu Dhabi Bank)NBADEGCAPSU
MalaysiaFirst Abu Dhabi Bank PJSC (formerly National Bank of Abu Dhabi)NBADMYKLXXX

Final Thoughts

The NBAD balance inquiry system provides various channels for customers to check their salary balance with ease. Whether you prefer online banking, a quick SMS, or visiting an ATM, NBAD (through FAB) ensures that you have instant access to your financial information. First Abu Dhabi Bank remains committed to delivering reliable services, allowing you to manage your salary and prepaid card funds effectively.

FAQs About NBAD Balance Inquiry

How can I check my NBAD balance online?

To check your NBAD balance online, log in to the First Abu Dhabi Bank (FAB) online banking portal with your credentials. Go to the account summary or balance inquiry section to view your balance. You can also use the FAB Mobile App for quick access.

How can I check my NBAD salary card balance?

To check your NBAD salary card balance, you can use the FAB Mobile App, visit an ATM, or access the FAB prepaid card inquiry system online. You may also check your balance by sending an SMS if you’re registered for SMS banking.

Is it possible to check my NBAD account balance via SMS?

Yes, if you have registered for FAB SMS banking, you can check your balance via SMS. Send the specific balance inquiry keyword (like “BAL” or “BALANCE”) to the designated FAB SMS banking number at 6222, and you’ll receive an SMS with your balance.

Can I check my NBAD balance at an ATM?

Yes, you can check your NBAD balance at any FAB or affiliated ATM. Simply insert your NBAD/FAB card, choose the “Balance Inquiry” option, and view your balance on the screen.

How do I access my NBAD account balance after the merger with FAB?

After the merger, all NBAD accounts are managed under First Abu Dhabi Bank (FAB). You can access your NBAD account balance through FAB’s online banking portal, mobile app, ATMs, and customer service.

Is there a fee for checking my NBAD balance at an ATM?

In most cases, there is no fee for checking your NBAD balance at a FAB ATM. However, fees may apply if you use a non-FAB ATM, so it’s best to check with FAB for any potential charges.


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