Ratibi Card Salary Check [4 Methods Provided]

The National Commercial Bank (NCB) of Saudi Arabia issues salary cards known as Ratibi cards.

It’s a safe and easy method to get paid every month, and it comes with perks like using your bank account and withdrawing money from ATMs.

If you’ve never used a Ratibi card, you might not know how to access your earnings or balance.

In this post, we’ll show you how to check your paycheck using a Ratibi card step-by-step so that you can manage your money more efficiently.

Ratibi Card Salary Check

Your Ratibi card salary and balance may be checked quickly and easily by various methods, including internet banking, mobile banking, SMS, and ATMs.

1. Online Banking

The first method to check your Ratibi card salary is through online banking.

To do this, you must have an account with the National Commercial Bank and register for online banking.

Once you potentially have logged into your account, you can easily check your salary and balance by following these steps:

  • Go to the “Accounts” tab
  • Click on “Ratibi Salary”
  • You can now view your current balance, previous transactions, and your latest salary payment

2. Mobile Banking

Another way to check your Ratibi card salary is through mobile banking.

If you have already downloaded the NCB mobile banking app, you can access your salary information with just a few clicks.

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Here’s how to do it:

  • Open the NCB mobile banking app
  • Click on the “Ratibi” icon
  • Select “My Ratibi Card” from the menu
  • You can now view your balance, transaction history, and latest salary payment

3. SMS

If you don’t have online or mobile banking access, you can still check your Ratibi card salary through SMS.

To do this, you will need to send an SMS to 6277 with the following message: “BAL <space> RATIBI <space> (your Ratibi card number).”

For example, if your Ratibi card number is 123456789, you should send the message “BAL RATIBI 123456789”.

You will receive an SMS reply with your current balance.

4. ATM Machine

Finally, you can check your Ratibi card salary and balance at any NCB ATM.
Here’s how to do it:

  • Insert your Ratibi card into the ATM
  • Enter your PIN
  • Select the “Balance Inquiry” option
  • You can now view your current balance on the screen

What types of balances can be checked in the portal?

In the Ratibi card portal, you can check various balances related to your Ratibi card account. These include:

  1. Ratibi Card Balance: This is the current balance available on your Ratibi card, including your salary and other deposits.
  2. Available Balance: This portion of your Ratibi card balance is available for use. It takes into account any pending transactions or holds on your account.
  3. Outstanding Balance: The total debt owed on your Ratibi card, including any unpaid balances or interest charges.
  4. Credit Limit: This is the maximum amount of credit you can use on your Ratibi card.
  5. Minimum Payment Due: You must pay on your Ratibi card each month to avoid any late payment fees or penalties.
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By checking these balances regularly on the Ratibi card portal, you can keep track of your spending and ensure that you stay within your budget.

This can help you avoid unnecessary debt and maintain a healthy financial standing.

What Are Ratibi’s Benefits?

Easy and Secure Payment:

Ratibi card offers a secure and convenient way to pay your employees’ salaries.

With the option to deposit salaries directly onto the card, you eliminate the need for checks or cash, reducing the risk of fraud and errors.

Online Access:

With online banking and mobile banking options, employees can access their salary information anytime, anywhere, making it easier to manage their finances.

ATM Withdrawals:

Ratibi cardholders can withdraw their salaries from any NCB ATM, which means they can access their money whenever needed.

Discounts and Offers:

Ratibi cardholders are eligible for a range of discounts and offer on shopping, dining, travel, and more, providing additional benefits and savings for employees.

Faster Salary Disbursement:

By using the Ratibi card, businesses can disburse salaries to their employees faster, reducing the time and effort required for payroll processing.

Businesses may save time and money by allowing employees to receive their salaries on a Ratibi card.

Working with NCB, companies get access to various financial services and solutions, streamlining their accounting and paving the way for expansion.


In conclusion, verifying the earnings and amount on your Ratibi card is quick and easy.

It can be done via various methods, including internet banking, mobile banking, SMS, or ATMs.

Use the detailed instructions in this article to access your payment information and keep track of your spending with your Ratibi card.

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Keep your card and PIN safe, and contact your bank immediately if you see any questionable activity.

When you’ve had some experience with the Ratibi card, managing your money with it will become second nature, and you’ll be able to make full use of all the perks that come with this innovative salary card.


  1. Check Ratibi Card Balance Enquiry (PrePaid & Salary Card) IN UAE. (2022, September 6). Gulf Expats Guide. https://gulfexpatsguide.com/check-ratibi-card-balance/
  2. (2022, November 29). Ratibi Card Salary Check- A Comprehensive Guide To Check Salary With Ratibi Card. Ask Mobile Price. https://askmobileprice.com/ratibi-card-salary-check/


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