It has become easier than ever to manage your balance, whether it is a salary or prepaid card through Lulu Exchange. You might be a salaried worker who has a Lulu Payroll Card or a standard user of the Lulu Money App; the knowledge on how to check your Lulu ATM balance keeps you in control and money-conscious.
This detailed manual describes every option that exists, including ATMs and apps, as well as SMS and web portals with updated information as of 2025.
Knowledge Lulu Exchange and ATM Services
What is Lulu Exchange?
Lulu Exchange is a prominent financial service provider in the UAE and is famous because of its money transfer service globally, payroll service, and currency exchange services. It runs on the Wage Protection System (WPS), which provides residents and expatriates with convenient financial services such as salary cards.
With Lulu Exchange branches, ATMs, and digital devices, one can access their own money, send and receive money worldwide, and make daily payments without much difficulty.
What is the Lulu Payroll Card? (WPS Card)?
Lulu Payroll Card or WPS Salary Card is a prepaid card that employees are offered by Lulu Exchange. It is used to store monthly salaries, which employers deposit directly into the accounts of workers so that they can easily and securely access their salaries.
With this card, employees can:
- Withdraw money from ATMs
- Shop at POS terminals
- Balances Check online or through the app.
- Move money locally or all over the world.
This card acts as a mini bank account, particularly when it comes to employees who do not own a normal bank account.
Reason You Should Check Your Lulu Balance
Checking your Lulu ATM balance regularly assists you in:
- Check whether the crediting of salary is done.
- Audit withdrawals and deductions.
- Manage monthly spending
- Early detection of any illegal transactions.
- Having several balance enquiry platforms, all cardholders will be in touch in real time.
Cards of Lulu: Cards that can be used at the ATM
- Lulu Payroll Card (WPS Card) – To deposit salaries, ATM, and POS shop.
- Lulu Prepaid Card– To make routine purchases, online shopping, and top-ups at the branch or application.
- Lulu Money Wallet Card – Connected to the Lulu Money App to transfer money and check balances.
Every Way to Lulu ATM Balance Check
Lulu Exchange offers various convenient ways of checking your balance on your cards or wallets. Let us consider each of them separately.
1. ATM Verification Lulu Balance
One of the most familiar yet sure methods to check your balance on the Lulu Payroll Card or card is via the ATMs.
- Checking Lulu Balance Using an ATM.
- Go to an ATM of Lulu Exchange or any affiliate ATM in the UAE.
- Insert Lulu Payroll/Prepaid Card.
- Insert the PIN code when his request comes.
- Select the on-screen menu of either Balance Inquiry or Check Balance.
- See your available balance or get a printout of your balance.
Partner ATMs and Networks
Your Lulu card is accepted on major UAE banking networks, i.e.:
- First Abu Dhabi Bank (FAB)
- ADCB
- Mashreq Bank
- Emirates NBD
- RAK Bank
Balance is immediately shown in these ATMs, and some may require a small inquiry fee.
Fees and Inquiry Limits
- Lulu ATM inquiry: Free of cost
- Inquiry of Non-Lulu ATM: AED 12 charge might be.
- Limit to inquiry: No limit/ unlimited checking per day.
💡 Hack: When using Lulu ATMs, always check your balance to have a free and up-to-date balance.
2. Checking Lulu Balance Lulu Money App
Lulu Money App is a digital instant method of checking your balance on your payroll card anywhere on earth.
Features of the Lulu Money App
- Real-time balance inquiry
- Tracking of salaries and transaction history.
- Bill payment, Money transfer.
- Safe login through OTP and Biometrics.
- Instant access 24/7
Balance Checking in the App
- Install the Lulu Lemon app in Google Play or App Store.
- Enter your mobile number you are registered with.
- Click on the upper section called My card/wallet.
- Tap “Check Balance.”
- Your balance at hand will be immediately shown.
Balances are updated in real-time, showing all new deposit, withdrawal, and remittance transactions.
Advantages
- No ATM visit required
- Free balance check anytime
- Safe, fast, and easy to use
Pro Tip: Make sure that you have push notifications on so you can be notified immediately when your salary has been deposited.
3. Balance Checking Lulu Card Balance through SMS
Don’t have internet access? There is nothing wrong with it; Lulu Exchange also allows SMS balance enquiries.
- SMS Form of Lulu Balance Inquiry.
- Text a message in the format below:
- Last 4digits of your card
Example:
BAL 5678
Text this to the office Lulu Exchange SMS number that you see on your card. You can get your up-to-date balance, the date of the latest transaction, and the date of the last salary deposit within a few seconds.
Advantages of SMS Check Balance
- Works on any mobile phone
- No app or data required
- Best amongst non-smartphone workers.
Warnings: Take care. Depending on your telecom company, there may be charges associated with standard use of SMS operators.
4. Lulu Balance Online Checking through Website
The balance in your card can also be checked using the official Lulu Exchange website.
Balances Inquiry Online Steps
- Visit www.luluexchange.com
- Select payroll services, followed by Check card balance.
- Insert PIN or Date of Birth and Card Number.
- Enter the CAPTCHA validation.
- Click Submit.
The system will show your remaining balance available at the moment, the sum of transactions, and your salary.
Online Access Advantages
- 24/7 global access
- No need for a physical card
- Safe and no-cost balance check.
Always make sure that you are accessing the official Lulu Exchange site to prevent phishing or scams.
5. Checking Lulu Card Balance through Customer Care
In case of any technical concerns involving ATMs or internet services, you can contact the customer service department at Lulu Exchange and get help from the department.
Lulu Customer Care Contacts
- 📞 UAE Hotline: +971 600 522 204
- Email address: support Lululemon Email: support@lululemon.com
- 🕒 Timings: 8:00 AM – 10:00 PM (UAE Time)
Enter your registered mobile phone, your card number, or your Emirates ID to check identity. The support staff will support you with the amount of your balance and address any questions related to your cards.
6. Checking Lulu Card Balance via POS Terminals
When shopping at Lulu Hypermarket or other authorized retail outlets, you can also check your balance through POS machines.
POS Balance Check Steps
- Visit a Lulu Hypermarket or participating merchant.
- Ask the cashier for a balance inquiry.
- Hand over your Lulu card to be swiped or inserted.
- The cashier will show your available balance on the POS screen or receipt.
This method is perfect if you’re already shopping and want a quick balance confirmation.
Additional Balance Inquiry Options
Checking Without a Physical Card
If you’ve lost your card, you can still check your balance by:
- Logging into the Lulu Money App (via registered mobile number)
- Calling customer support for verification
- Accessing the website with your ID details
Always block your card immediately if lost to avoid unauthorized use.
Email or SMS Alerts
Lulu Exchange allows users to enable transaction alerts via SMS or email. This helps track:
- Salary deposits
- Card transactions
- Balance deductions
Common Balance Inquiry Errors and Fixes
Even with multiple balance options, occasional issues may occur.
Common Errors
| Error Message | Cause | Solution |
| “Card Not Found” | Wrong card details entered | Double-check your number and try again |
| “Server Timeout” | System maintenance | Retry after 15–30 minutes |
| “ATM Inquiry Declined” | Unsupported machine | Use a Lulu or FAB ATM instead |
💬 If issues persist, contact Lulu customer care or use the Lulu Money app for real-time access.
Fees and Inquiry Limits
Here’s a breakdown of balance inquiry methods, their costs, and response time:
| Method | Fee | Process Time | Availability |
| Lulu ATM | Free | Instant | 24/7 |
| Other Bank ATMs | AED 1–2 | Instant | 24/7 |
| Lulu Money App | Free | Instant | 24/7 |
| SMS | Operator charges | Few seconds | 24/7 |
| Website | Free | Instant | Global |
| POS Terminals | Free | Few seconds | Business hours |
Security Advice on Checking Your Lulu ATM Balance
In the use of any type of financial service, security is important.
ATM Security Guidelines
- Look at the ATM keypad and card slot and see that they are not tampered with.
- When entering the PIN, cover the keypad.
- ATMs should not be used in remote locations.
- Take the receipt you have printed.
Online and App Safety Tips
- Only use the official Lulu Lemon App.
- Do not give out the details of the logins or OTPs.
- Log out after every session.
- Enabling two-factor authentication is not a feature that all browsers have.
- Do not check balances through Wi-Fi networks.
These steps will ensure that your money is safe, and this will help you to avoid identity theft.
Reasons why you should check your Lulu Balance
1. Keep abreast with Salary Credits
Get a notification on whether your salary has been transferred by the employer immediately.
2. Track Your Expenses
Balance checking allows you to track day-to-day expenditures and withdrawals.
3. Avoid Fraudulent Activity
Balance checks allow you to identify any unauthorised or suspicious deductions as soon as possible.
4. Purchase Remittances and Bills
Make sure that you have sufficient funds to transfer money or pay bills.
5. Plan Your Finances Smartly
Monthly budgets are easier to control with the help of regular monitoring.
Climax, Your Balance, Your Control
As of 2025, Lulu Exchange will be ahead in terms of convenience in finance, making it available in various secure ways of checking your balance in the Lulu ATM or Payroll Card. You want to use an ATM, or the Lulu Money application, or a quick SMS query; each of them is made to provide you with instant access and rest.
Monitoring your Lulu balance is not only a good financial practice, but one of the best practices to make sure you spend your money wisely and not spend more than you have saved, and keep an eye out for any mistakes and fraudulent activity.
FAQs
Is it possible to check a Lulu balance outside the UAE?
Yes. You may access the balance in the Lulu Money App or the Lulu Exchange site at any time, and anywhere.
Does it have a balance inquiry fee?
Check balances are complimentary through the app and the site. There are non-Lulu ATMs that can cost AED 1 to 2.
It has lost or blocked my card. What should I do?
Contact Lulu Customer Care immediately at +971 600 522 204 and block the card and ask to be issued another one.
Is it possible to get my transaction history?
Both the Lulu Money App and the official site where a comprehensive transaction log can be found.
What is the frequency of my balance?
Balance is automatically updated when a transaction is made or a salary is deposited.
