FAB Balance Enquiry Charges?

Banking is almost digital in the UAE. Thousands of users are worried about the charging deduction. The FBA and Ratibi users are worried that the bank will deduct an extra charge.

There are different methods to check the balance. Some have zero charges, and some have paid. Almost 90% are chances to check the free balance. 

FAB Mobile App & Online Banking 

FAB mobile app banking charges are free of cost. There are no hidden charges in it. The bank does not charge. There is no session charge. You have to pay your internet service provider. 

If you are using Wi-Fi, then it will be totally free. Employees check their salaries many times. This feature is effective for them. The FAB has improved biometric login. It does not require repetitive OTP. 

SMS related fees have been eliminated completely. The app is not limited to checking the balance. It also provides extra information such as transaction history, card management, balance alert, and real-time updates. 

Other banks provide limited free features. The FAB is the top digital bank in the UAE. 

SMS Balance Enquiry

Many users use the SMS service to check their balance. It includes people who have no smartphone or FAB mobile app. The bank does not charge for this inquiry. The price of one SMS is around 0.15 AED in the UAE. It is a carrier charge, not FBA.

Whenever a user claims that the bank has deducted. It is deducted by the telecom company. It is mandatory to understand the difference.

The second problem is international roaming. If you are outside the UAE and using a UAE SIM card. The price of a balance inquiry is approximately 1-2 AED.

The FAB has declared that the SMS could be high-priced whenever we repeatedly check. It is better to use a mobile app, online portal, or Ratibi card checker.

The easy method to check your balance is to open your mobile message

Type BAL with the last digit of your card and send it to 2626. Remember that if your network is weak, the SMS will not be sent. 

ATM Balance Enquiry

Many users trust the ATM. It is good news for FAB users because it has multiple FAB ATMs in the UAE. If you use your card with the FAB network, then you will not be charged any kinds of fees.

The actual problem occurs when users use other banks’ ATMs or Visa and Mastercard. The FAB does not own such ATMs. It put the charges on such users around 2 to 5 AED. This charge is done by the network.

A hidden charge that the majority of people ignore is the receipt print fee. Some machines charge around 1 AED. You can see your balance free of cost, but you have to pay for the receipt.

The expired card does not show a balance on the ATM. The machine blocks the card due to its expired date. This feature does not pay you extra. 

WhatsApp, Missed Call & Phone Banking

WhatsApp inquiry is completely data-based. The FAB does not charge. You have to use your internet data. The FAB has connected WhatsApp to AI chatbots. The users can check their balance without waiting.

Missed Call service is totally free. With one missed call, you receive your information on your registered number. It does not charge any session or SMS fees. It has only one condition, and that is your number should be registered with FAB.

Phone banking is an easy way to check your balance. The call on the phone is free. The international call will be charged. You are charged by your telecom company.

All of these three methods have no hidden fees. 

Ratibi/Prepaid & Salary-Specific Charges

There are no charges for checking the balance, whether you have a Ratibi, prepaid, or WPS card. The bank has not kept hidden charges.

If you do not use your card for six months, it will be considered dormant. You have to pay 10 AED monthly service fees. It is a complete account of service fees.

There is no balance check fee. The FAB Ratib and prepaid system have been made for lower-income labor. That’s why it does not contain a basic service fee.

You can check your balance by visiting https://ppc.magnati.com/ppc-inquiry/. It will show you balance, transaction history, and card status. 

Common Hidden Fees & How to Avoid Them

The banks always create facilities for their users, not hurdles. People have made some myths about hidden charging. These myths are outdated.

SMS services are always free. The banks send you a message; it is free. When you send an SMS to check the balance, it is chargeable. You have to pay your network. If your SIM has no regular package, then every message will be deducted.

The bank does not charge you for using the app. You pay your internet provider.

The FAB ATMs are free. Other banks’ ATMs deduct the fee. People check their balance in a hurry at another ATM and claim there are hidden charges.

International call inquiry is free. Whenever you call your bank outside the UAE, you are charged by your SIM company.

Always keep on your mobile app notifications. You will receive a transaction alert.