Website: ratibecardae.com | Effective Date: May 2026 | Last Updated: May 2026
Introduction
These Terms and Conditions govern your use of ratibecardae.com (the “Site”). By accessing or using this Site, you agree to be bound by these Terms and Conditions in full. If you do not agree with any part of these terms, you must stop using this Site immediately. These Terms and Conditions apply to all visitors, users and others who access or use the Site.
About the Site
ratibecardae.com is an independent educational and informational website. It provides guidance to UAE workers and residents on how to use the FAB Ratibi prepaid salary card. The Site is operated by an independent publisher and is not affiliated with First Abu Dhabi Bank (FAB), Magnati, the UAE Central Bank, the Ministry of Human Resources and Emiratisation (MOHRE), or any other financial institution or government authority.
Acceptable Use
By using this Site, you agree to the following:
- You will use this Site only for lawful purposes and in a manner that does not infringe the rights of any third party
- You will not attempt to gain unauthorised access to any part of the Site or its related systems
- You will not use the Site to transmit any harmful, offensive, defamatory, fraudulent or misleading content
- You will not use automated tools, bots or scrapers to extract content from the Site without our written permission
- You will not attempt to disrupt the operation of the Site through denial-of-service attacks, malware or any other harmful method
- You will not use the Site in any way that could damage our reputation or the interests of other users
We reserve the right to restrict or terminate your access to the Site at any time, without notice, if we believe you have violated these Terms and Conditions.
Information Accuracy
We make every effort to ensure the information on ratibecardae.com is accurate, complete and up to date. However, we do not guarantee the accuracy, completeness or timeliness of any content on this Site. Banking products, fees, phone numbers, app interfaces and official government procedures can change without notice.
You should always verify critical information, such as official phone numbers, fees and portal processes, directly with First Abu Dhabi Bank at bankfab.com before relying on it. We are not responsible for any loss or damage arising from your reliance on information published on this Site.
No Financial Advice
Nothing on this Site constitutes financial advice. We are not a financial advisor, bank, financial institution, or regulated financial services provider. The content on this Site is provided for general informational and educational purposes only. You should not make financial decisions based solely on information found on this Site. If you require financial advice, you should consult a qualified financial professional.
No Legal Advice
Nothing on this Site constitutes legal advice. We are not a law firm and we are not qualified to provide legal guidance. References to UAE laws and regulations on this Site, including the Wage Protection System and MOHRE complaint procedures, are provided for general informational purposes only and should not be treated as legal advice. If you have a legal dispute, particularly one involving unpaid salary or employment rights, you should contact MOHRE directly at 800 60 or seek advice from a qualified legal professional.
The Balance Check Tool
Our balance check tool is provided as a convenience to help users navigate to the official Magnati portal more easily. The tool validates the format of your input in your browser and then opens the official Magnati portal at ppc.magnati.com/ppc-inquiry in a new tab.
- We do not collect, store, process or transmit any card details entered into the tool
- The tool does not directly check your balance. All balance checking is performed on the official Magnati portal, which is operated by Magnati and FAB
- We are not responsible for the availability, accuracy or security of the Magnati portal
- We are not responsible for any issues arising from your use of the Magnati portal after being redirected from our tool
- The tool is provided on an “as is” basis without any warranty of any kind
External Links
This Site contains links to external websites including the official FAB website, the Magnati portal, the Payit app download pages, government websites, and other third-party resources. These links are provided for informational purposes only. We do not control external websites and we are not responsible for their content, accuracy, privacy practices or availability. The inclusion of a link to an external website does not imply our endorsement of that site or its content. When you click an external link and leave ratibecardae.com, you do so at your own risk.
Intellectual Property
All original content on ratibecardae.com, including written articles, guides, tool code, design elements and graphics, is the intellectual property of the Site operator unless otherwise stated. You may not reproduce, distribute, modify or republish any content from this Site without our prior written permission.
You may share links to pages on this Site freely. You may quote short excerpts from our content for the purposes of commentary or criticism, provided you clearly attribute the source and link back to the original page.
Third-party trademarks, brand names and logos mentioned on this Site, including FAB, Magnati, Payit, Visa, Mastercard, Etisalat and others, remain the property of their respective owners. Their use on this Site is for descriptive and informational purposes only and does not imply any affiliation with or endorsement by those companies.
Disclaimers and Limitation of Liability
Please read this section carefully. It limits our liability to you in connection with your use of this Site.
To the fullest extent permitted by applicable law, ratibecardae.com and its operators make no warranties of any kind, express or implied, regarding the Site or its content. This includes but is not limited to warranties of accuracy, completeness, fitness for a particular purpose, and non-infringement.
We do not warrant that the Site will be available at all times, free from errors, or free from viruses or other harmful components.
To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, this Site or its content. This includes but is not limited to:
- Loss of money or financial loss of any kind
- Loss of data or information
- Loss of employment or income
- Any action or inaction taken in reliance on information published on this Site
- Any issue arising from use of the official FAB or Magnati portals after being directed there from our Site
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
Indemnification
You agree to indemnify, defend and hold harmless ratibecardae.com and its operators from and against any claims, liabilities, damages, losses and expenses, including legal fees, arising out of or in connection with your use of this Site, your violation of these Terms and Conditions, or your violation of any rights of a third party.
Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time. Changes will take effect immediately upon posting to this page. The “Last Updated” date at the top of this page will be updated accordingly. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms and Conditions. We encourage you to review this page periodically.
Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising from your use of this Site shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.
Severability
If any provision of these Terms and Conditions is found to be invalid, unlawful or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms and Conditions if modification is not possible. The remaining provisions shall continue in full force and effect.
Contact Us
If you have any questions about these Terms and Conditions, please contact us through the contact form available on our website at ratibecardae.com.
For card-specific issues, contact FAB directly at 600 52 2298 (UAE) or +971 2 499 6279 (international).
ratibecardae.com is not affiliated with First Abu Dhabi Bank (FAB), Magnati or any UAE government authority. Content on this site is for educational purposes only and does not constitute financial or legal advice.