Managing your finances in UAE starts with knowing your ATM balance. Whether you are a resident or visitor in UAE, knowing your account balance helps you manage spending, avoid fees, and plan better.
In Dubai and across the UAE, there are several safe, easy methods to check ATM balance. This guide breaks down detailed, tested steps for each method, helping you choose what suits you better.
| Method | Category | Fee (AED) | Convenience | Notes |
|---|---|---|---|---|
| Same Bank ATM | Offline | Free | Instant, widely available | No fees, secure |
| Other Bank ATM | Offline | 1-3 AED | Instant | May incur minor fees |
| Online Banking | Online | Free | Anytime, full account access | Needs internet |
| Mobile Banking Apps | Online | Free | Anytime, very convenient | Secure connection advised |
| SMS Banking | Online | Free/nominal | Good without internet | Registration needed |
| Phone Banking | Offline (call) | Free | Useful if no internet/ATM | Limited hours possible |
Online Methods for ATM Balance Check
1. Online Banking Balance Check
Online ATM Balance inquiry is convenient when you’re at home or work.
Steps:
- Visit your bank’s official website (e.g., bankfab.ae, emiratesnbd.com).
- Click “Login” or “Online Banking.”
- Enter your username/customer ID and password.
- Complete any additional security measures like OTP verification.
- Navigate to the “Accounts” section to see your balance and recent transactions.
- Always log out securely after checking your balance.
Tip: Use secure, private networks and strong passwords to protect your account.
2. Mobile Banking Apps
Most UAE banks offer official mobile apps for Apple and Android devices.
Steps:
- Download the official app for your bank from Google Play Store or Apple App Store.
- Open the app and log in using your credentials or biometrics.
- Your account balances show on the dashboard; tap an account for details.
- Log out or lock the app when done for security.
Tip: Enable two-factor authentication and only use official apps to keep your data safe.
3. SMS Banking
SMS balance inquiry works even without internet access.
Steps:
- Register your mobile number with your bank for SMS banking (visit a branch or call customer care).
- Send an SMS with the bank’s requested format (e.g., “BAL 1234”) to the official number.
- Receive a reply SMS with your current account balance.
Tip: Only send SMS to official bank numbers to avoid scams.
Offline Methods
4. ATM Balance Check
Checking your balance via ATM remains a trusted method widely used in the UAE.
Steps:
- Find an ATM belonging to your bank or its network to avoid fees.
- Insert your debit or credit card gently.
- Enter your 4-digit PIN securely, shielding the keypad with your hand.
- Select “Balance Inquiry” or similar on the screen menu.
- View your current balance and choose to print a receipt if desired.
- Remove your card carefully and collect cash if applicable.
Tip: Using an ATM outside your bank’s network might cost 1-3 AED per inquiry. Always use ATMs in well-lit safe locations.
5. Phone Banking
Phone-based balance inquiry is good when you can’t use ATMs or internet.
Steps:
- Call your bank’s official phone banking number (found online or on your card).
- Select language and the balance inquiry option.
- Authenticate yourself with account details and PIN.
- Listen to your current balance read out by the system or representative.
- End call securely.
Reasons to do Regular ATM Balance Check in the UAE
- Helps avoid overdraft and fees by keeping spending in check.
- Provides quick insights for financial planning and budgeting.
- Multiple channels ensure easy access anywhere, anytime.
Additional Tips for UAE Bank Customers
- Different account types affect your ATM balance limits; learn more in our guide on Different Types of FAB Bank Accounts.
- Protect your banking info by never sharing your PIN and watching for ATM skimming devices.
- Digital savings accounts like the FAB iSave Account offer easy and fee-free mobile balance checks.
- Be aware of potential fees on out-of-network ATMs and SMS services.
- Keep your banking apps updated and use strong passwords.
FAQs
Are there fees for ATM balance checks in the UAE?
Most banks charge no fee at their own ATMs. Using other banks’ ATMs typically costs 1-3 AED per check. Online and mobile balance checks are generally free.
What if my ATM card is stuck in the machine?
Immediately contact your bank’s emergency line to report and follow their instructions for card recovery.
Is online banking safe?
Yes, when accessed via official websites/apps with strong passwords and secure connections.
Can I check my balance without internet or a smartphone?
Yes, through ATMs, SMS banking, or phone banking options.
How often should I do ATM balance inquiry?
Regularly, before big purchases or weekly to stay financially informed.
How much is the ATM fee in Dubai?
In Dubai ATM fees range is from Dh 0 to Dh 26.25.
What should I do if my card is lost or stolen?
If your card is stolen or lost, call us on 04 211 2818 within UAE or +9714 211 2818 from outside.
