My Pay My Card: Balance Check, Lulu vs FAB Explained

Your card says My Pay My Card. Google says Lulu. A colleague says FAB. Someone else sends you a Magnati link. Which one do you actually use to see your salary?

Here’s the short answer. My Pay My Card (also written MyPay: MyCard) is Lulu Exchange’s WPS salary card. If yours is a current Lulu card, check your balance in the LuLu Money app under My Cards, at a supported ATM, or by calling Lulu on 600 522 204. If your card also carries Ratibi or FAB branding, FAB’s Ratibi balance enquiry on ppc.magnati.com/ppc-inquiry may apply instead. Look at your card first, then pick one route.

Safety note: Enter your card details only on the issuer’s official app or site, typed in by hand, and never on a lookalike page. No genuine balance page needs your PIN or OTP, and no one from Lulu or FAB will ask for them by call, SMS or chat. Ignore messages saying your card is “blocked” with a link. Details here were checked on Lulu’s and FAB’s official pages in October 2026. Fees, apps and portals change, so confirm with your issuer. This is general information on UAEfixes.com, not financial advice.

Table of Contents

What is My Pay My Card?

My Pay My Card is a prepaid salary card from Lulu Exchange for employees paid through the UAE’s Wage Protection System (WPS). It’s also called MyPay: MyCard, My Pay My Cards and the LuLu Money Salary Card. Your employer sets it up through payroll, and your salary lands on it each month.

What it does:

Receives your WPS salary without needing a bank account
Works for tap-and-pay (it carries NFC) and cash withdrawals
Lets you manage the card in the LuLu Money app: history, limits, PIN reset, and block and replace
Pays remittances from the app using the salary card

Where you can withdraw cash: Lulu lists its branches and Emirates NBD, Emirates Islamic Bank and Mashreq ATMs in the UAE.

Is My Pay My Card a Lulu card or a FAB card?

It’s a Lulu Exchange product. The FAB link comes from history: when Lulu Exchange and National Bank of Abu Dhabi (NBAD) launched My Card in 2010, it was issued on NBAD’s Ratibi system. NBAD is now part of FAB, so some older cards may sit in FAB’s Ratibi lineage. Check your card to be sure.

What you have	Use this route
Card from Lulu Exchange, managed in the LuLu Money app	LuLu Money app, or Lulu customer care
Card with Ratibi, FAB or NBAD branding	FAB’s Ratibi route: the Magnati balance page or FAB customer care
Not sure which	Call Lulu on 600 522 204, or visit a Lulu branch with your Emirates ID and card

A quick test: If you registered in the LuLu Money app and your card appears under My Cards, you’re on the Lulu route. If the app can’t find your card and your card says Ratibi, try FAB’s Ratibi page.

Why this matters: Entering your card on the wrong portal usually gives a “card not found” error. It isn’t a sign your salary is missing.

How do I check My Pay My Card balance in the app?

Open the LuLu Money app and tap LuLu Money Cards on the home screen, or go to More and then My Cards. The card page shows your virtual card with the available balance at the top. Tap Transaction History to see salary credits and spending.

Steps:

Install LuLu Money from the App Store or Google Play.
Log in with your app PIN (or biometrics if you’ve turned them on).
Tap LuLu Money Cards, or More > My Cards.
Read the available balance at the top.

First-time setup: You register with email, mobile number and Emirates ID, verify with an OTP, and complete identity verification either at a Lulu Exchange branch with your original Emirates ID or through UAE Pass eKYC. The app is for UAE residents aged 21 and over.

Activating a new card: On the My Card page, tap Activate Card and choose OTP verification, an in-app IVR call, or customer support.

Forgot your app PIN? Tap Forgot PIN on the login page, enter your registered mobile number, type the OTP, and set a new 4-digit PIN.

Forgot your card PIN? Open My Card, choose Change/Set Card PIN, confirm the OTP, and set a new one. The card PIN (for ATMs and payments) is separate from the app PIN (for logging in).

Is there a My Pay My Card app besides LuLu Money?

LuLu Money is the app Lulu’s own FAQ and card pages point to. One guide mentions a different app called “Payit” for Ratibi cards. That app appears nowhere on Lulu’s pages. Use the app your issuer names in its instructions, and download it only from the App Store or Google Play.

How do I check My Pay My Card balance on the FAB or Magnati portal?

FAB lists a Ratibi prepaid card balance enquiry at ppc.magnati.com/ppc-inquiry. If your card is in FAB’s Ratibi lineage, open that address yourself, enter only what the page asks for, complete the captcha, and read the balance. A “card not found” result usually means you’re on the wrong route.

What the page asks for: Guides disagree. Some say the last 4 digits of the card number plus the Card ID printed on the card. Others say the last 2 digits, and one says the full number and date of birth. Enter exactly what the page requests and nothing more.

Stop if the page asks for any of these: your PIN, an OTP, your internet banking password, or a payment. A real balance enquiry doesn’t need them.

FAB phone support: 600 52 5500 inside the UAE, or +971 2 681 1511 from abroad. You may also see 600 525 500, which is the same number written with different spacing.

Can I check My Pay My Card balance at an ATM?

Yes, with a supported ATM. Insert the card, enter your card PIN, choose Balance Inquiry and read or print the balance. Lulu lists Lulu branches and Emirates NBD, Emirates Islamic and Mashreq ATMs in the UAE for cash withdrawals. Guides say FAB ATMs work for Ratibi-lineage cards.

Steps:

Check the card slot and keypad for anything loose or added.
Insert the card and enter your PIN, covering the keypad.
Select Balance Inquiry (or Balance Enquiry).
Read the balance, print a receipt if needed, and take your card.

Fees: No published balance-inquiry fee turned up on Lulu’s or FAB’s pages for this card. If a fee notice appears on screen, you can usually cancel. For exact charges, ask your issuer.

If the ATM declines the card: the card may not be activated or may be locked in the app, the PIN may be wrong, you may have hit a daily limit, or the ATM may not support your card. Try a Lulu branch, Emirates NBD, Emirates Islamic or Mashreq ATM.

What is the My Pay My Card customer care number?

For the Lulu route, call 600 522 204 (or +971 600 522 204 from abroad) or email customercare@ae.luluexchange.com. Lulu says complaints are acknowledged within 2 business days and resolved within 15 business days. For the FAB Ratibi route, call 600 52 5500.

Issuer route	Phone	Other
Lulu Exchange	600 522 204 (UAE), +971 600 522 204 (abroad)	customercare@ae.luluexchange.com, any Lulu branch
FAB (Ratibi lineage)	600 52 5500 (UAE), +971 2 681 1511 (abroad)	FAB branch

A number that doesn’t match: Some guides list 600 526 526 for Lulu. It doesn’t appear on Lulu’s official pages, so use 600 522 204.

Can I check My Pay My Card balance by SMS?

Guides quote SMS codes for both routes, such as BAL plus a card number sent to 51199 for Lulu, and different codes for FAB. Lulu’s card FAQ and FAB’s mobile page don’t list an SMS balance service. Confirm with your issuer before using any SMS method, and never text a full card number to an unverified number.

What does work like SMS: Lulu’s branch pages promote unlimited debit and credit alerts for WPS salary card holders, so you may get an SMS when salary lands. That depends on your registered mobile number being current.

My Pay My Card salary check online: how do I know my salary arrived?

Check the card balance and transaction history for a salary credit. If nothing arrived, the next step is whether your employer sent the salary through WPS. Ask HR or payroll for the payment date and WPS confirmation, since your issuer can only credit what your employer sends.

UAE salary rules in brief: If your contract doesn’t state a pay period, wages must be paid at least once a month. An employer is generally treated as late if salary isn’t paid within 15 days after the due date, unless your contract sets a shorter period. Rules can change, so check MOHRE.

If your employer hasn’t paid:

Check the app, ATM or issuer portal for the last few days.
Ask HR when the salary file was sent.
Call your issuer and ask whether anything was received for your card.
File a complaint with MOHRE through its app (sign in with MOHRE or UAE Pass) or on 600590000. The “My salary” service is confidential.

Why is my My Pay My Card balance lower than expected?

Check your transaction history first. Usual causes are spending you forgot, a remittance paid from the card, an advance taken through the app, or a fee. Lulu’s Key Facts Statement describes Earned Wage Access, where an advance and its fee are deducted when your next salary arrives.

Possible cause	How to check
Card purchases or ATM withdrawals	Transaction History, filter by POS or ATM
Remittance paid from the card	Transaction History
Earned Wage Access advance	Lulu says it’s settled from your next salary
Replacement card or other fees	Transaction History
Salary lower than expected	Compare with your contract and payslip
Pending transactions	Wait, since available balance can differ from credited salary
Unrecognised charge	Open it and tap Raise Dispute

My Pay My Card problems and fixes

Problem	What to do
“Card not found” on a portal	You’re probably on the wrong route. Check your card for Lulu or Ratibi/FAB branding, then try the other route
App won’t register	You need email, mobile, Emirates ID and OTP. Identity verification is at a branch or via UAE Pass
Card not activated	In the LuLu Money app: My Card > Activate Card
Card locked	In the app, open My Card > Activate Card and tap Unlock
Forgot app PIN	Login page > Forgot PIN > OTP > new PIN
Forgot card PIN	My Card > Change/Set Card PIN > OTP > new PIN
Lost or stolen card	Block it in the app (Block & Replace Card) and call 600 522 204. A replacement charge applies
OTP not arriving	Your registered mobile number may be out of date. Update it at a branch
Salary missing	Ask HR about WPS, then your issuer, then MOHRE
Unrecognised transaction	Raise Dispute in Transaction History, then call customer care

Who should NOT use which route?

Anyone with a current Lulu card shouldn’t enter details on the Magnati portal. Use the LuLu Money app.
Anyone who got a link by SMS or WhatsApp about a “blocked” card. Close it.
Anyone asked for a PIN or OTP on a balance page. That’s a scam.
Anyone without a current registered mobile number. Fix it at a branch first.
Anyone using a shared phone for the app. Use an ATM or branch.

My Pay My Card myths vs facts

Myth	Fact
“My Pay My Card is a FAB card”	It’s a Lulu Exchange product. Some older cards were issued on NBAD’s Ratibi system, which is now FAB
“The Magnati portal works for every My Pay My Card”	It’s FAB’s Ratibi page. Current Lulu cards use the LuLu Money app
“FAB has two different numbers”	600 52 5500 and 600 525 500 are the same number
“Lulu’s number is 600 526 526”	Lulu’s official pages list 600 522 204
“A balance page needs your PIN”	No genuine balance enquiry asks for your PIN or OTP
“Lulu can credit my salary if my employer is late”	Your issuer credits only what your employer sends through WPS