The PPC NBAD portal is decommissioned. NBAD (National Bank of Abu Dhabi) no longer exists as an independent bank. UAE residents searching for NBAD balance check in 2026 land on broken URLs, receive portal errors, and find no active NBAD customer service number because NBAD merged into FAB (First Abu Dhabi Bank) in January 2017 following UAE Central Bank approval.
Every NBAD account, WPS salary card, and prepaid card transferred to FAB systems at merger completion. The PPC NBAD portal rebranded to PPC Magnati at ppc.magnati.com. Legacy NBAD cardholders check their balance through 6 active FAB methods: PPC Magnati portal, FAB Mobile App, ATM, SMS to 2121, Payit app, and IVR at 600 52 5500.
What Are the NBAD Balance Check Methods in 2026?
NBAD balance check in 2026 uses 6 FAB methods, each differing in internet requirement, registration, and processing speed. According to FAB’s official service channels, all 6 methods are active 24 hours a day, 7 days a week for UAE cardholders.
| Method | Portal / Number | Requires Internet | Requires Registration | Speed |
| PPC Magnati Portal | ppc.magnati.com | Yes | No | Instant |
| FAB Mobile App | FAB App (iOS/Android) | Yes | Yes | Instant |
| ATM | FAB ATM Network | No | No | Instant |
| SMS | 2121 | No | No | Under 1 minute |
| Payit App | Payit (FAB Wallet) | Yes | Yes | Instant |
| IVR Phone Call | 600 52 5500 | No | No | Under 2 minutes |
What Happened to NBAD? The FAB Merger Explained
NBAD no longer operates as an independent bank. NBAD (National Bank of Abu Dhabi) merged into FAB (First Abu Dhabi Bank) in January 2017, after the UAE Central Bank approved the merger on May 30, 2016. The merger combined NBAD with FGB (First Gulf Bank a UAE-based commercial bank) under the unified FAB brand. All NBAD accounts, salary cards, and prepaid cards transitioned to FAB systems at merger completion.
According to FAB’s 2024 Annual Report, the combined entity holds total assets exceeding AED 1.1 trillion, making FAB the UAE’s largest bank by total assets and one of the 50 largest banks in the world by assets.
NBAD and Emirates NBD are separate institutions. Emirates NBD is a Dubai government-owned bank that operates independently from FAB. Emirates NBD did not merge with FAB and continues to function as a standalone entity in 2026. Users checking Emirates NBD balance access a separate set of 5 methods through the Emirates NBD app, UAE PASS portal, and IVR at 600 54 0000.
How to Check NBAD Balance via FAB 6 Methods
All former NBAD cards WPS salary cards, prepaid cards, and gift cards are now managed through FAB platforms. The FAB bank balance check system covers every method available to legacy NBAD cardholders. FAB operates 6 active balance check channels in 2026.
Check NBAD / FAB Balance via PPC Magnati Portal
The PPC Magnati portal at ppc.magnati.com is the primary method for checking legacy NBAD prepaid and salary card balances. The former PPC NBAD portal redirects to this address. PPC FAB and PPC Magnati refer to the same portal the portal operated as PPC NBAD before 2017, as PPC FAB between 2017 and 2021, and as PPC Magnati from 2021 to present. Full guidance on all card types supported is available in the PPC Magnati prepaid card inquiry guide.
To check balance via PPC Magnati portal, follow these 4 steps:
- Open ppc.magnati.com in a browser.
- Enter the last 4 digits of your card number in the designated field.
- Enter your Card ID printed on the back of the card.
- Click “Check Balance” the current balance and last 5 transactions display immediately.
Check balance via the PPC Magnati portal, if your card was originally issued under NBAD, Ratibi, or any FAB prepaid programme.
Check NBAD / FAB Balance via FAB Mobile App
The FAB Mobile App is the fastest method for checking FAB balance across all linked accounts and cards. The app is available on iOS (App Store) and Android (Google Play).
To check balance via FAB Mobile App, follow these 5 steps:
- Download the FAB Mobile App from the App Store or Google Play.
- Register using your Emirates ID and FAB card details.
- Log in with your username and PIN.
- Tap “Accounts” on the home screen.
- Select the relevant account or card the current balance displays instantly.
Use the FAB Mobile App, if you manage multiple FAB accounts or require full transaction history alongside balance.
Check NBAD / FAB Balance via ATM
FAB ATMs display current balance for all FAB-linked cards, including former NBAD accounts. According to FAB’s official branch and ATM network directory, FAB operates over 700 ATMs across the UAE, located in Abu Dhabi, Dubai, Sharjah, Ras Al Khaimah, Fujairah, and Ajman. A complete method-by-method guide to ATM balance check UAE covers all bank networks including FAB.
To check balance via FAB ATM, follow these 4 steps:
- Insert your FAB card or former NBAD card reissued under FAB into any FAB ATM.
- Enter your 4-digit PIN.
- Select “Balance Enquiry” from the main menu.
- Choose “Current Account” or “Savings Account” the balance displays on screen.
Use the FAB ATM method, if internet access is unavailable or if you prefer an offline balance check.
Check NBAD / FAB Balance via SMS
FAB SMS balance check delivers the current account or card balance within 60 seconds, 24 hours a day, 7 days a week.
To check balance via SMS, follow these 2 steps:
- Type BAL followed by the last 4 digits of your card example: BAL 1234.
- Send the message to 2121.
The SMS reply includes the current balance, last credited amount, and transaction date. SMS balance check is active, if your mobile number is registered with FAB on your account.
Check NBAD / FAB Balance via Payit App
Payit is FAB’s official digital wallet, used to check and manage Ratibi card and WPS salary card balances. Payit is available on the Apple App Store and Google Play. Users managing a FAB Ratibi card balance check access the Payit app as the primary mobile method for WPS salary card monitoring.
To check balance via Payit App, follow these 4 steps:
- Download the Payit app from the App Store or Google Play.
- Register using your FAB card number and registered mobile number.
- Log in with your Payit PIN.
- Tap “My Cards” the current balance for each linked card displays on the dashboard.
Use the Payit app, if your card is a FAB Ratibi salary card or WPS-linked prepaid card.
Check NBAD / FAB Balance via IVR Phone Call
The FAB IVR phone service provides automated balance information in English and Arabic without requiring a branch visit or internet connection. According to FAB’s official contact page, the IVR line at 600 52 5500 operates 24 hours a day, 7 days a week.
To check balance via IVR phone call, follow these 4 steps:
- Dial 600 52 5500 from your registered UAE mobile number.
- Select your preferred language English press 1, Arabic press 2.
- Select “Balance Enquiry” from the IVR menu.
- Enter your card number and PIN when prompted the automated system reads the current balance.
What Changed from PPC NBAD to PPC Magnati?
The PPC NBAD portal transitioned to the PPC Magnati portal through 2 ownership changes after the FAB merger. FAB acquired Magnati formerly the UAE card processing division of Network International in 2021. The PPC NBAD portal rebranded to PPC Magnati in Q3 2021 following the acquisition completion. 3 specific changes affect all former PPC NBAD users.
Portal Address Changed from PPC NBAD to PPC Magnati
The active portal address is ppc.magnati.com. The former PPC NBAD URL is decommissioned. Users who bookmarked the old address access ppc.magnati.com directly, as the old URL redirects to the Magnati portal. The complete step-by-step guide for ppc.magnati.com is available at the PPC Magnati prepaid card inquiry page.
Old NBAD Cards Are Reissued Under FAB Branding
All NBAD-era prepaid cards were reissued under FAB branding between 2017 and 2019. Cards issued after 2019 carry the FAB logo and connect directly to the PPC Magnati portal. Cards with the NBAD logo and an expiry date before 2019 are no longer active.
Magnati Now Manages Card Processing for FAB Prepaid Products
Magnati is a FAB subsidiary. It handles card issuing, processing, and prepaid card management for all FAB prepaid products, including Ratibi, gift cards, and corporate prepaid cards. The PPC Magnati portal at ppc.magnati.com serves as the single access point for balance enquiries across all these card types.
What Are the Key Differences Between FAB and NBAD?
FAB and NBAD differ across 4 attributes that matter for balance check users in 2026: bank name, prepaid portal, IVR number, and salary card type. The bank balance check UAE hub covers all active banks in the UAE including FAB, Emirates NBD, Mashreq, and ADCB.
| Attribute | NBAD (Pre-2017) | FAB (Current 2026) |
| Bank Name | National Bank of Abu Dhabi | First Abu Dhabi Bank |
| Prepaid Card Portal | PPC NBAD (decommissioned) | PPC Magnati ppc.magnati.com |
| IVR Balance Number | Decommissioned | 600 52 5500 |
| Salary Card | NBAD WPS Prepaid | FAB Ratibi Card |
FAB is the active entity for all balance check queries previously associated with NBAD. NBAD balance check, NBAD salary enquiry, and PPC NBAD portal searches route to FAB platforms in 2026.
NBAD Balance Not Showing? 3 Common Issues After the FAB Merger
NBAD balance not showing after the FAB merger results from 3 causes: a deactivated pre-2017 card, an outdated WPS file with the employer, or an unregistered mobile number on the FAB account.
Old NBAD Card Number Not Accepted on PPC Magnati Portal
Cards issued before the FAB merger (pre-2017) are no longer active on the PPC Magnati portal. Request a replacement card through any FAB branch in Abu Dhabi, Dubai, or Sharjah, if the portal returns an error for your card number. Replacement takes 3 to 5 working days.
Salary Not Credited After Switching to FAB Ratibi
Salary credit delays of up to 24 hours occur, if your employer’s WPS file still references an old NBAD account number. Under UAE Ministry of Human Resources and Emiratisation (MOHRE) WPS regulations, employers must submit salary files referencing the correct active IBAN for salary to credit on time. Contact your HR or payroll department and provide your updated FAB IBAN, if the salary is not credited within 24 hours of the expected payment date. The complete UAE salary check guide covers all salary card methods including Ratibi and WPS verification steps.
SMS Balance Not Working
SMS balance check via 2121 is active, if your registered mobile number matches the number linked to your FAB account. Visit any FAB branch with your Emirates ID to update your registered mobile number, if the 2121 SMS returns an error or no response.
Frequently Asked Questions about NBAD and FAB Balance Check
Is NBAD now FAB? NBAD (National Bank of Abu Dhabi) merged into FAB (First Abu Dhabi Bank) in January 2017, following UAE Central Bank approval on May 30, 2016. NBAD no longer operates as an independent bank.
How do I check my NBAD balance in 2026? NBAD balance check in 2026 uses 6 FAB methods: PPC Magnati portal at ppc.magnati.com, FAB Mobile App, ATM, SMS to 2121, Payit app, and IVR at 600 52 5500. The FAB bank balance check guide covers all 6 methods with step-by-step instructions.
Does the PPC NBAD portal still work? The PPC NBAD portal is decommissioned. The active portal is PPC Magnati at ppc.magnati.com. Full guidance on using the PPC Magnati portal is available at the PPC Magnati prepaid card inquiry page.
What is the difference between FAB and NBAD? NBAD (National Bank of Abu Dhabi) was a standalone Abu Dhabi-based bank. FAB (First Abu Dhabi Bank) is the merged successor entity formed in January 2017 from the combination of NBAD and FGB (First Gulf Bank a UAE-based commercial bank).
Is Emirates NBD the same as NBAD? Emirates NBD and NBAD are separate institutions. Emirates NBD is a Dubai government-owned bank that operates independently. NBAD was an Abu Dhabi-based bank that merged into FAB in 2017. The two banks were never connected. Users accessing Emirates NBD balance check use a separate set of methods entirely.
Can I check my old NBAD salary card balance online? Old NBAD salary cards reissued under FAB between 2017 and 2019 are active on the PPC Magnati portal at ppc.magnati.com. Cards with an NBAD logo and an expiry date before 2019 are no longer active and require replacement at a FAB branch.
What is the FAB balance check number? The FAB IVR balance check number is 600 52 5500, confirmed on FAB’s official contact page. The service operates 24 hours a day, 7 days a week, in English and Arabic.
How long does salary take to show on FAB balance? Salary credit reflects within 24 hours of the employer’s WPS file submission to the UAE Central Bank. Salary credit reflects within minutes, if both the employer and employee accounts are registered under FAB.
What happened to my NBAD account after the FAB merger? All NBAD accounts transferred automatically to FAB at merger completion in January 2017. Account numbers, IBANs, and card details were updated to FAB formats. Customers received replacement FAB-branded cards between 2017 and 2019. Any account that did not receive a replacement card requires reactivation at a FAB branch with Emirates ID.
Related Balance Checks
- FAB bank balance check All 6 FAB balance check methods including PPC Magnati portal, app, ATM, SMS, Payit, and IVR with step-by-step instructions.
- Emirates NBD balance check Emirates NBD is a separate bank from NBAD. 5 Emirates NBD balance methods including UAE PASS login and 600 54 0000.
- PPC Magnati prepaid card inquiry Dedicated guide to ppc.magnati.com for all FAB prepaid card balance checks including Ratibi, gift cards, and corporate cards.
- FAB Ratibi card balance check WPS salary card balance check methods for employees earning under AED 5,000 per month.
- ATM balance check UAE How to check balance at any UAE ATM across all bank networks including FAB.
- UAE balance check Complete UAE balance check hub covering banks, prepaid cards, transit cards, telecom, and toll accounts.
Omar Hassan, your trusted guide to navigating the UAE banking landscape. With over 15 years of experience in the industry and a Master’s degree in Finance, Omar leverages his expertise to provide clear and insightful information on balance checking methods, bank comparisons, and financial management tips for UAE residents.