Are you tired of standing at the cash desk in the supermarket and guessing whether you have enough balance on your Lulu Salary Card Balance Check UAE to buy the things you need? Or maybe you try to transfer money to your relatives in your home country and cannot be sure whether your salary has already been credited to your account. These moments are annoying and easily avoidable!
Thousands of foreign workers use the Lulu Salary Card Balance Check UAE to receive their payments, manage their daily expenses, and transfer money to their family members. Unfortunately, there are still workers who don’t know how to check the balance on their Lulu Salary Card Balance Check UAE in the simplest and fastest way. Workers check the balance on an ATM, call their employers, or just guess the balance amount.
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What Is the Lulu Salary Card Balance Check UAE, and Who Uses It
But first, let’s find out more about the card and why it is used by thousands of people in the Emirates.
A Brief Description of Lulu Financial Services UAE
Lulu Financial Services (LFS) is a financial institution operating in the United Arab Emirates and holding a license from the Central Bank of the UAE. It belongs to the Lulu Group International group of companies and provides a range of financial services specifically designed for expatriates working in the region.
Among the wide range of services offered by Lulu Financial Services, there is the Lulu Salary Card Balance Check UAE— WPS-compliant prepaid Mastercard that lets employers pay their employees’ salaries using electronic transfers. It is a WPS-compliant prepaid Mastercard, which means that your employer will be able to pay your salary to the card using the governmental Wage Protection System (WPS).
The Lulu Salary Card Balance Check UAE is used by foreign workers employed in the retail, construction, hospitality, and domestic services sectors. Most of these workers don’t have a traditional bank account, and the prepaid Mastercard is the primary tool for managing their finances in the UAE.
Key Features of the Lulu Salary Card Balance Check UAE
So, here are the features that make the Lulu Salary Card Balance Check UAE different for foreign workers:
- Prepaid Mastercard — you don’t need a bank account, you get full payment functionality with minimal paperwork;
- Mastercard acceptance — shop using millions of POS terminals and withdraw money in any Mastercard-affiliated ATM across the UAE and worldwide;
- WPS-compliant — your employer can pay your salary directly to the card using the governmental system;
- Access to remittances — transfer money to your family members in India, Pakistan, the Philippines, or another country using Lulu Exchange branches;
- Multi-currency — convenient for foreign workers transferring funds internationally;
- Branch network — access to financial services in Lulu Exchange branches across the UAE.
According to the statistics of MOHRE, the WPS system covers millions of workers in the private sector in the UAE.
Why Checking Your Lulu Salary Card Balance Check UAE Is Important
Maybe you don’t think that checking your balance is an important action that requires much attention. Actually, it is the aspect of managing your money that can bring you a lot of benefits. So, here are the reasons why it is important to check your Lulu Salary Card Balance Check UAE:
- It will protect you from embarrassment in case of declined transactions in a store or petrol station.
- You will be able to plan your remittances effectively as you know how much money you have on your card.
- You will be able to make sure that your salary has already been credited to your account using the WPS.
- You will detect any fraudulent activity as quickly as possible — the sooner you learn about an unexpected withdrawal, the sooner you will be able to solve the issue.
- You will be able to manage your budget effectively each month.
How to Check Your Lulu Salary Card Balance Check UAE — All the Ways
Good news for you — you have more opportunities than you thought. Regardless of whether you prefer using your smartphone or something simpler, you will definitely find a convenient way of checking your balance. Here are all six ways of Lulu Salary Card Balance Check UAE
Method 1 — Check Balance Using the Lulu Exchange Mobile App
This is the quickest and most convenient method of checking your balance.
Just follow these steps:
- Download the Lulu Money or Lulu Exchange mobile app on your smartphone from the Google Play Store (Android) or the Apple App Store (iOS);
- Register in the app using your card number and your mobile phone number associated with your account;
- Log in to your personal account;
- Go to the “My Cards” or “Card Balance” section;
- Your current balance and the transaction history will appear on your screen.
Moreover, you will be able to track all your transactions using push notifications sent automatically to you by the app. In case you haven’t downloaded the Lulu Salary Card Balance Check UAE Money mobile app yet, download it — it will make your management of the card much easier for you.
Method 2 — Check Balance Using SMS
Don’t have a smartphone? It is possible to check your balance using the SMS service — it works on any mobile phone.
Here are the instructions you need to follow:
- Make sure that your mobile number is associated with your Lulu Salary Card Balance Check UAE account (ask your employer or LFS);
- Send the keyword BAL to the official SMS number of Lulu Financial Services provided on your card or on the official website of LFS;
- You will get your balance in the SMS message within several seconds.
This method works on basic feature phones as well, thus it is suitable for those workers who don’t have a smartphone. In case you didn’t get your SMS, make sure that your number is registered — this is usually the reason why SMS isn’t delivered.
Pro tip: Save the official SMS number of LFS in your contacts now. Thus, you will be able to check your balance with one click anytime you need.
Method 3 — Check Balance at an ATM
Do you frequently use an ATM? Then, this is the easiest way of checking your balance.
Just follow these steps:
- Insert your Lulu Salary Card Balance Check UAE into any UAE Mastercard-affiliated ATM;
- Enter your PIN;
- Select the “Balance Enquiry” option from the list of operations;
- See your balance on the screen;
- Print a mini statement if needed.
Where to go to get free enquiries: use ATMs located at Lulu Hypermarket outlets and Lulu Salary Card Balance Check UAE Exchange branches — this will be free. You may pay a small fee for your balance check at other ATMs.
Method 4 — Check Balance Using the Official Website / Online Portal
If you prefer to check your balance on a laptop or desktop computer or need to download your transaction history, this is the best method for you.
Just follow these steps:
- Open the official website of Lulu Financial Services or Lulu Exchange;
- Open the cardholder login section of the website;
- Log in to your personal account;
- Open the Balance or Account Activity section;
- See your balance and download transactions if needed.
This method is especially useful for tracking your expenses during the whole month or keeping records for budgeting. Moreover, it is perfect for verifying a certain transaction or its date.
Method 5 — Make a Call to Lulu Financial Services Customer Care
Sometimes, the simplest method turns out to be the easiest one. You can always call the customer care of LFS to find out your balance.
Here is what you need to do:
- Find the official LFS helpline number on the back of your card or on the official LFS website;
- Call this number and use the IVR (Interactive Voice Response);
- When prompted, select the “Balance Enquiry” option;
- You will hear your current balance or can talk to the customer care.
There is a multilingual customer care service that can be very helpful for workers who are not fluent in English. You can call the number in off-peak hours — usually, midday on weekdays is the best option.
Method 6 — Visit Lulu Exchange Branch In Person
Sometimes, all the digital methods above can fail for you, or your card is recently issued and not fully activated. In this case, you will be able to check your balance in a Lulu Exchange branch.
Here is what you need to do:
- Find the closest Lulu Exchange branch in the UAE (there are branches in Abu Dhabi, Dubai, Sharjah, and other Emirates);
- Take your Lulu Salary Card Balance Check UAE, and Emirates ID or your passport;
- Visit the customer service counter at the branch and ask for a balance inquiry;
- The staff will check your balance and will give you a mini statement if you need.
Visiting the branch is a great choice in case you want to update your registered mobile number, report an issue or get help with a disputed transaction. The staff at Lulu Exchange branches are experts in handling WPS card issues.
What to Do If Your Lulu Salary Card Balance Check UAE Fails
Sometimes, your balance check may not work for you. Don’t worry — there is usually an easy solution for the issue. Here is how to solve the most frequent issues.
Your card is not activated. If your employer has recently issued your card, it should be activated first before you will be able to use the card. Ask your employer or contact LFS directly to activate your card.
Your mobile number is not registered or registered incorrectly. Your registration in the app or receipt of SMS messages depends on your registered mobile number. If you have changed your SIM or your number is not registered correctly, you need to visit the Lulu Exchange branch and update your mobile number.
You have problems logging in to the app. Try to uninstall and install the app once again and register using your card details. If the problem persists, contact LFS customer care for technical support.
Your SMS is not coming through. It can be the issue of your mobile carrier, not the card itself. Make sure that your mobile data or network is active. Also, make sure that your mobile number is registered with LFS.
Your card is blocked or expired. Usually, the card becomes blocked because of entering the wrong PIN code multiple times or some suspicious activity. An expired card is usually renewed. In both cases, contact LFS or your employer’s HR department.
Your salary hasn’t been credited to your card. If you have not received your salary yet, you should contact your employer first. If he tells you that the salary has been paid, but you have not received it on your card, contact LFS. And if the issue remains unresolved, you have the right to submit a complaint via the MOHRE WPS complaints portal at mohre.gov.ae. The UAE government enforces WPS violations strictly.
Tips to Manage Lulu Salary Card Balance Check UAE
Checking the balance is just a beginning. The proper management of your card will help you to spend each dirham wisely. Here are some useful tips for you.
Subscribe to the real-time SMS or app notifications of all transactions. Notification will help you to monitor your balance continuously, without checking it manually.
Check your balance on the salary date. The first thing you need to do on the day when your salary is supposed to be credited to your account is to check your balance and make sure that your salary has been credited.
Use your card in Lulu Hypermarket. Sometimes, the cardholders can get special offers or discounts when buying products in Lulu stores — check the current offers in the app or in the branch.
Never share your PIN or OTP code with anyone. The fraudsters often trick the cardholders into sharing their card details. Never tell your PIN code to anyone — no legitimate employee of LFS will ask for your PIN in a phone conversation or via WhatsApp.
Report lost or stolen card immediately. Contact the customer care of LFS as soon as you realise that your card is lost or stolen. The sooner you report it, the sooner it will be blocked.
Save the official helpline number of LFS in your phone. Having it in your phone will allow you to contact LFS immediately in case of any problem.
Check your transaction history regularly. In this way, you will be able to detect any suspicious transactions and control your budget.
Lulu Salary Card Balance Check UAE. Other WPS Cards in the UAE
If you are looking for other options of salary cards or your employer is choosing the card provider, here is the comparison of the Lulu Salary Card Balance Check UAE and other options:
| Feature | Lulu Salary Card | Noor Bank WPS Card | FAB Payit |
| Balance Check App | Yes (Lulu Money) | Yes | Yes |
| SMS Balance Check | Yes | Yes | Yes |
| ATM Network | Mastercard UAE | Mastercard UAE | Mastercard/Visa |
| Remittance Option | Lulu Exchange (130+ countries) | Limited | Limited |
| Branch Walk-In Support | Yes (UAE-wide) | Limited | Limited |
| Multi-language Support | Yes | Yes | Yes |
The main advantage of the Lulu Salary Card Balance Check UAE is the integration with the Lulu Exchange remittance network, which makes this card the most convenient for workers who frequently send money to their family members.
Frequently Asked Questions
How can I check my Lulu Salary Card Balance Check UAE without using the app?
There are three alternatives for you in case you don’t want to use the app: send the SMS keyword BAL to the official LFS number; visit any Mastercard-affiliated ATM and choose “Balance Enquiry”; call the official LFS customer care number and use the IVR to listen to your balance.
Is there a fee for the Lulu Salary Card Balance Check UAE?
Checking your balance using the LFS mobile app, official SMS service, or LFS-affiliated ATMs is usually free. However, in case you use any third-party ATM, a small fee may be charged. To avoid unnecessary fees, you should always use LFS or in-store Lulu ATMs.
How can I check whether my salary has been credited to my Lulu WPS card?
The best way to make sure that your salary has been credited to your card is to subscribe to the real-time notifications in the Lulu Money mobile app. In case you don’t have this app installed yet, check the SMS balance or your online portal on your expected salary date. If your balance has increased by the amount of your salary, it has been credited to your card. Otherwise, you need to contact your employer and then LFS.
What should I do if my Lulu Salary Card Balance Check UAE is incorrect or my salary is missing?
First, you need to ask your employer’s HR or payroll department for the proof of WPS payment. If they confirm that they have paid your salary to the card, but your balance hasn’t changed, you need to contact the customer care of LFS with your card details. In case none of these methods helps you to solve the issue within a reasonable time, you should file an official complaint via the MOHRE WPS complaints portal at mohre.gov.ae. The UAE government enforces WPS regulations strictly and your employer may face serious penalties in case of violation.
Is it possible to check theLulu Salary Card Balance Check UAE outside of the UAE?
Yes, of course. You will be able to check your balance using the Lulu Money mobile app and online portal from any country where you have an internet connection — you should log in to your account as usual. You will be able to check your balance using SMS as well — it depends on your roaming package.
Conclusion
Managing your money in the UAE is much easier if you know how to obtain the necessary information. Regardless of whether you prefer using SMS, the Lulu Money mobile app, ATM, or visiting a branch personally, you now have all the methods of Lulu Salary Card Balance Check UAE
The main thing you need to remember is quite simple — don’t wait until you are at the checkout or remittance to check your balance. Check it regularly, subscribe to notifications, and save the official helpline number of LFS in your phone.
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