Posted: 17th August 2023

We may need to change our fees from time to time. We’ll let you know in advance when we do.

You agree to pay the applicable fees disclosed to you when you create your Ziina personal Account or Ziina business Account. All balances and all fees, charges, and payments collected or paid through Ziina Services are denominated in UAE dirhams (AED).

Please note that Ziina will not be responsible for any fees, charges, taxes or levies imposed by third parties. Customers will be responsible for being aware of and discharging all such fees, charges, taxes and levies.

All fees shown below are subject to a standard 5% Value Added Tax (VAT). This VAT is applied to the fee, not to the entire volume of the transaction.

Ziina Non-User Fees

The fees described in this section apply to individuals who do not have the Ziina app and are sending payments to Ziina personal Accounts and Ziina business Accounts via ZiiLink.

Sending payments to business accounts
Using UAE debit cardFree
Using UAE credit cardFree
Using international payment cardFree

Sending payments to personal accounts
Using any payment card2.9% + 1 AED per transaction


Ziina Personal Account Fees

The fees described in this section apply to Ziina personal Accounts.

Sending payments to business accounts
Using your Ziina balanceFree
Using UAE credit cardFree
Using UAE debit cardFree
Using international payment cardFree

Sending payments to personal accounts
Using Ziina balanceFree up to 5,000 AED per calendar month
2.9% + 1 AED per transaction after you exceed 5,000 AED in sent payments per calendar month
Using UAE debit cardFree up to 5,000 AED per calendar month
2.9% + 1 AED per transaction after you exceed 5,000 AED in sent payments per calendar month
Using UAE credit card2.9% + 1 AED per transaction
Using international payment card2.9% + 1 AED per transaction
Using Apple Pay2.9% + 1 AED per transaction
Using Google Pay2.9% + 1 AED per transaction

Receiving payments
Receiving payments in-appFree
Receiving payments through ZiiLinkFree


Ziina Business Account Fees

The fees described in this section apply to Ziina business Accounts.

Receiving payments
Receiving payments through QR code, NFC or ZiiLink2.6% + 1 AED per transaction

Receiving payments via website
Receiving payments through website and charging customers in AED currency2.9% + 1 AED per transaction
Additional fee for charging customers in non-AED currency,
settled in AED		Additional 1.5% per transaction

Refunds
Refunding a customerFree. Ziina fees charged on the original transaction will not be reimbursed

Sending payments
Using your Ziina balanceFree up to 4,000 AED per calendar month, 2.6%  + 1 AED
Using UAE credit cardFree up to 4,000 AED per calendar month, 2.6%  + 1 AED
Using UAE debit cardFree up to 4,000 AED per calendar month, 2.6%  + 1 AED
Using international payment cardFree up to 4,000 AED per calendar month, 2.6%  + 1 AED