Ziina: Send. Spend. Get Paid.

Ziina

About this app

Ziina is the fast, secure way for individuals and businesses in the UAE to send, receive and manage money. Whether you’re growing your business or paying your share of the rent, Ziina helps you move money simply and safely.

ZIINA VIOLET
Ziina Violet is a membership built for how you live, work and move in the UAE. Enjoy premium monthly benefits from 12 brands and services like ClassPass, SALT, Ounass and more. From workouts and coffee runs to fuel delivery and laundry, Ziina Violet gets you more from the things you already do—and pays for itself with just 1-2 benefits. Plus, enjoy monthly cashback, 0 currency fees online or abroad, priority support and your exclusive Violet Card.

ZIINA PERSONAL
Ziina makes transfers as easy as a text. Send or receive payments in seconds, whether you’re splitting dinner, paying a friend back or covering the little things that make up everyday life. Accept payments through QR codes or payment links, with support for credit cards, Apple Pay and Google Pay. Everything stays secure, organized and easy to track in your Ziina account. Keep your balance for future spending or cash out instantly.

ZIINA BUSINESS
Ziina Business is the one-stop shop for all your business needs. Get 1,000 AED in fee-free processing when you join. Plus, when you invite another business to the Ziina family, both of you can earn an extra 5,000 AED in free processing. Whether you're launching a startup or managing an established business, Ziina Business is here to help you with all the tools you need to keep your business running smoothly.

ZIINA CARD
Spend your Ziina balance directly with your digital Ziina Card. Use your funds to cover your business or personal expenses, and manage everything in one place. Add your card to your Apple or Google wallet and enjoy 0 currency fees on all non-AED spend, online and abroad.

TAP TO PAY ON Android
With Tap to Pay on Android and Ziina, you can accept contactless, in-person payments directly on your Android—no extra hardware needed. Just open the Ziina app and start accepting payments in seconds. Fast, secure and ideal for cafes, salons, fitness studios, pop-ups and mobile businesses.

SECURE PAYMENT GATEWAY
Ziina’s payment gateway integrates seamlessly with Shopify, WooCommerce, WordPress and custom websites. Accept payments in up to 10 currencies, making it easy to sell locally and internationally while keeping cashflow secure and easy to manage.

PAYMENT LINKS
Create and send secure payment links on demand. Get paid by customers via Visa, Mastercard, AMEX, Apple Pay or Google Pay—locally or internationally.

PAYMENT KEYBOARD
Send invoices without leaving your chats. With ZiiBoard, create and send payment requests directly inside WhatsApp, Instagram or any messaging app. No switching apps. No lost conversations.

QR STANDS AND NFC CARDS
Accept in-person payments anywhere with custom QR stands and NFC cards—simple, fast, and ready for pop-ups, markets or mobile stalls. Customers scan or tap and pay with Apple Pay, Google Pay or their card. Funds appear instantly in your Ziina account.

FAST CASH OUTS
Ziina supports all UAE banks, including RAKBANK, ADCB, Emirates NBD, Citibank UAE, HSBC and more. Transfers arrive within a few hours, at most 1-2 working days.

PRIVACY AND SECURITY
Ziina Payment LLC is licensed by the Central Bank of the UAE (License No. 1112672). Your account is protected with biometric authentication and PCI-DSS–certified technology to safeguard payment card information.

Get paid the Ziina way. Download the app today to sign up and get started in under a minute.

Ratings and reviews

I do not recommend this app at all. They take your money, but when it's time to cash out, they hold your payment and ask for excessive evidence. Providing invoices and quotations is understandable, but they also ask for the client's bank statements, email conversations, phone number, card transaction details, and proof of service delivery. This information is highly sensitive and should not be shared with a third party. My payment has been stuck because of these unreasonable requests

Very confusing cashback and balance system. I made an Ounass purchase expecting the cashback to apply instantly because nowhere was it clearly stated that the cashback would only be credited on the next billing cycle. Yesterday my balance showed around 129 AED, matching my calculations, but this morning it suddenly changed again. Support later explained the issue, but balance changes and cashback timing should be communicated much more clearly inside the app.

Here's my detailed review - The statement of the card gets overwritten on refunds (So instead of -10 and +10, the -10 becomes 0) making it harder to track refunds - The bank connection pings my Mashreq bank account every day using Lean technologies with a login detected message - The top up from bank account takes time and sometimes fail Forex markup is 0 are good and the customer support is responsive but gives mostly templated answers. Time to response - amazing Time to resolution - not good

What’s new

Now introducing Ziina Violet, a lifestyle membership that pays for itself. Get benefits from 12 premium brands, including ClassPass, Deliveroo, CAFU, SALT, Letswork and more—all in one simple plan. Enjoy 0 currency fees on all non-AED spend online and abroad, Ziina Priority support and an exclusive Violet Card ready for Apple Pay and Google Pay. Use just one or two benefits a week and Violet already covers its cost.