Ziina is the UAE’s first peer-to-peer payment app, allowing you to send and receive payments with just a phone number —no IBAN or swift code required. The app provides a seamless way for friends and family to split the cost of takeout or a grocery bill.
In Arabic, “Ziina” translates to “ornament” or “thing of beauty.” At Ziina, we embrace this meaning, reflecting our mission to create an empowering financial experience for everyone. Just like a thoughtfully placed ornament enhances beauty in the world around us, Ziina enhances your financial life by making transactions simple, secure, and social. Isn’t that beautiful?
Ziina is currently available to UAE residents on iOS and Android. You don't have to be in the UAE to use the app, but at the moment you can only create a Ziina account if you have a valid Emirates ID.
We are working on a number of new features, including cross border payments that will open up the app to more users in the future!
You can register for Ziina with a UAE mobile number. You will be prompted to enter your Emirates ID information to set up your account.
To cash out funds from Ziina to your bank account:
The minimum amount you can withdraw and transfer to your bank is AED10.
Ziina is licensed by the Central Bank of the UAE. All of your most important information is encrypted so that it is kept safe and only in your hands. Ziina also uses real time fraud monitoring to ensure that all transactions are legitimate.
You can find out about the fees Ziina charges by visiting our Fees page.
We accept Apple Pay, Google Pay, Visa, and Mastercard.
When you send a payment through Ziina, your money is transferred instantly.
You can send up to AED 25,000 through Ziina every month. The monthly limit for receiving money is AED 50,000.
You can accept the following currencies with ZiiLinks:
To enable international currency support on ZiiLinks:
There is a low additional fee of 1.5% for transactions made in non-AED currencies, which are settled in AED. This fee is to cover the currency conversion costs.
Currency conversions are calculated based on the current market exchange rate at the time of each transaction, ensuring accurate and fair pricing.
All international payments are conveniently settled in AED. This means no matter which currency your customers pay in, you'll receive your funds in AED.
To change your Ziiname:
To change the mobile number associated with your account:
The recipient does not need a bank account to receive a payment through Ziina. They will have to connect their bank account in order to cash out their money from Ziina.
To permanently close your Ziina account:
You can reach Ziina support at any time through our social media platforms or by contacting us on [email protected].