NBAD Balance Inquiry | Step-by-Step Balance Check Guide
Living in the UAE requires careful attention to your finances, especially when managing your daily expenses. This is why residents conduct an NBAD balance Inquiry in order to keep track of their available funds. This helps them avoid surprises when using NBAD-issued cards, which are now maintained by First Abu Dhabi Bank.
Whether you hold a salary card or a full account, it is important to check your balance regularly. This guide covers the most reliable and convenient ways to view your current FAB balance using official and secure methods.
Overview of (National Bank of Abu Dhabi)
The National Bank of Abu Dhabi, known as NBAD, is one of the UAE’s oldest and most trusted banks. It serves millions of customers with various banking services, including prepaid and salary cards. In 2017, NBAD merged with First Gulf Bank to form First Abu Dhabi Bank, or FAB.
This merger created the largest bank in the UAE by assets and customer reach. Even today, many people still refer to their prepaid or salary cards as NBAD cards. That is why the term NBAD is still widely used, especially when it comes to balance inquiry services.
Available Methods for NBAD Balance Inquiry
There are several ways to perform a PPC NBAD Balance Inquiry, each designed for quick and secure access. If you are new to FAB or do not yet have an eligible card or account, you may first need to open an NBAD current or savings account to access online and mobile banking services easily. The steps below explain the digital and traditional methods UAE residents use to check their balances.
1. FAB Prepaid / NBAD Salary Card Website
This method lets you check your card balance online without logging in or creating an account.
- Open the FAB prepaid card balance inquiry portal in your web browser.
- Enter the last two digits of your prepaid card number.
- Enter your full 16-digit card ID in the bottom left corner of your card.
- Complete the captcha on the page if it appears.
- Press the ‘Go’ button to view your available balance on screen.
Make sure you enter the correct card ID to avoid a failed lookup.
This method only works for prepaid and Ratibi salary cards issued by NBAD or FAB.
2. FAB Mobile Banking App
You can check your NBAD or FAB balance instantly from your phone via this application.
- Open the Apple App Store or Google Play Store on your phone.
- Search for the official FAB Mobile Banking App and download it. This can also be done by hitting any of the buttons below.
- Install and open the app once the download has finished.
- Log in with your registered user ID and password.
- You can view your balance on your home screen.
There is no charge for this method, and you can use it for prepaid, salary, and Ratibi cards as well.
Key features of the FAB Mobile App:
- Check your account or prepaid card balance instantly
- View recent transactions and mini-statements
- Transfer money within the UAE and internationally
- Pay utility and telecom bills directly from the app
- Block or unblock your card if needed
3. SMS Banking
Through SMS banking, you can check your NBAD balance without the internet on any mobile phone.
- Make sure your mobile number is registered in FAB’s banking system
- Open your messaging app and type: BAL [last 4 digits of your card]
- Example: BAL 4321
- Send this message to ‘2121’ or ‘6222’
- Wait a few seconds for the system to reply with your balance details.
Sample SMS Reply from FAB:
Last 4 digits: 4321
Date: 11-Dec-2025 07:20 PM
For details, visit www.bankfab.com
Note:
Standard SMS charges may apply (around AED 1 per inquiry).
This service supports salary, prepaid, and Ratibi cards linked to your phone number.
4. ATM Balance Inquiry
Many customers still prefer using ATMs for NBAD balance inquiry, especially when they do not have mobile data or internet access.
- Visit any nearby FAB ATM or a partner ATM that supports FAB and NBAD cards
- Insert your NBAD or FAB prepaid or salary card into the slot
- Enter your four-digit PIN carefully using the keypad
- From the menu, select the option ‘Balance Inquiry’
- View your balance on the screen or choose to print a receipt.
Cost: Free at all NBAD/FAB ATMs (AED 1 at non-FAB ATMs).
Locator: Find a NBAD/FAB ATM near you using the locator tool.
5. NBAD Balance Inquiry via WhatsApp Banking
WhatsApp banking lets you check your NBAD balance using simple chat messages from your phone. Here’s how to check:
Please text +1 (704) 771-0476 via Whatsapp.
- Send a greeting text like “Hi” to the bank chat
- Follow the prompts to verify your identity if asked
- Choose the option for balance or type the last four digits when requested
- Wait a moment for the bot to reply with your current balance.
Always confirm the official FAB WhatsApp number on the bank website before messaging.
Standard internet or data charges may apply when using WhatsApp banking.
6. Phone Customer Care
You can call FAB support to check your NBAD card balance through automated or live help.
Official Numbers:
📞 UAE Support: 600 52 5500
📞 International: +971 2 681 1511
📞 Ratibi Card Help: 600 52 2298 or +971 2 499 6279
How to Check:
- Call the number that matches your location or card type
- Choose a language you are comfortable with
- Follow the instructions and enter your card or account details
- Select the option for ‘Balance Inquiry’ when prompted
The system will confirm your balance, or a representative will assist you directly. Your support agent may also verify the type of account you hold, so being familiar with different types of NBAD bank accounts can help.
Note: Make sure you call from your registered number for faster verification.
7. In Branch Inquiry
For those who prefer face-to-face service, visiting a FAB branch is always an option.
- Bring your NBAD or FAB card along with your Emirates ID
- Visit the nearest FAB branch during working hours
- Take a token and wait for your turn
- Ask the staff to assist you with a balance inquiry
- They will verify your ID and give your account details.
8. Point of Sale (POS) Balance Inquiry
Some retail stores in the UAE allow NBAD or FAB cardholders to check their balance at the counter. You can simply swipe or insert your card into the POS machine and select the ‘Balance Inquiry’ option from the menu. The machine will display your available balance on-screen or print a slip, depending on the terminal. This method works best at outlets that support FAB-linked cards and is useful when you’re already shopping.
9. Email or Alert Notifications
You can receive balance updates through automatic alerts set up via online or mobile banking.
- Log in to your FAB online banking or mobile app
- Go to the ‘Alerts’ or ‘Notifications’ section in your settings
- Enable alerts for balance updates, low balance warnings, or salary deposits
- Choose your preferred method: email, SMS, or in-app notification
- Save your changes and start receiving updates automatically.
This is an easier option to stay informed without checking manually every time.
Issues & Solutions Associated with the NBAD Balance Inquiry
While most balance checks work smoothly, some users face common problems with their PPC NBAD Ratibi card. These are usually minor and can be resolved in a few simple steps.
- Wrong Card Details: Even a small typo in your card number or ID can block the process. Double-check both fields before submitting again.
- Website Issues: If the site isn’t loading or crashes, it might be due to server downtime or browser compatibility. Try refreshing, clearing your cache, or using another device.
- Unrecognized Card: If your card is expired, inactive, or blocked, the system won’t show your balance. Contact FAB to verify your card status.
- SMS Not Working: Sending SMS from an unregistered number or using the wrong format will fail. Always use your registered SIM with the correct message format.
- ATM Issues: Declines or errors can be due to a wrong PIN, a damaged chip, or an inactive card. Try another ATM or reset your PIN at the bank.
- USSD Code Problems: Some mobile networks don’t support FAB USSD services. Ensure your SIM is active and try again on a supported network.
- Mobile App Errors: If your balance is missing or outdated, log out and back in, update the app, or check your internet connection.
- Salary Not Reflected: If your employer confirms the payment but the balance hasn’t updated, wait a few hours or check with HR or FAB support.
Tips for NBAD Balance Check Security
To protect your financial information, always follow these simple but important safety measures:
- Stick to FAB’s app or website only
- Use secure connections when checking balance
- Keep your PIN and card number private
- Message only the official FAB number
- Always exit apps and portals after checking
- Avoid easy-guessing passwords
- Keep the FAB app up to date
- Turn on SMS or email balance notifications
NBAD Bank Codes and Account Information
For complete guidance, you can check out the full list of FAB & NBAD SWIFT codes and routing details used for international and local transfers.
| SWIFT, Routing, and Bank Codes
After combining with First Gulf Bank, NBAD now operates under the name First Abu Dhabi Bank (FAB). • SWIFT Code: NBADAEAAXXX |
IBAN Details and Format
FAB follows the UAE’s official IBAN structure for domestic and international transfers. • IBAN format: Starts with AE followed by 21 digits (Total: 23 characters) |
Always use valid and verified IBAN and SWIFT codes approved by the Central Bank of the UAE when making transfers to ensure your transaction is safe and successful.
Frequently Asked Questions About NBAD Balance Inquiry
Final Thoughts
Staying aware of your available funds is a necessity in managing your daily life in the UAE. Whether you use a Ratibi salary card or a standard prepaid card, knowing how to perform an NBAD balance inquiry gives you control and peace of mind.
There are a number of easy ways to check your balance, including a mobile app, SMS, USSD, and even WhatsApp. Always use secure and official channels to protect your information, and don’t hesitate to contact FAB support if you face any issues. Making balance checks a regular habit can help you avoid financial surprises and manage your budget more confidently.