Top up your Ziina account

Pay back a friend, split dinner, or send a gift—fast. Top up your account and send cash for free.

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How to top up your account

Your Account

Top up now

Step 1

Open the Ziina app, tap your balance, and select “Top up.”

Top up your balance through your bank now

Connect your bank to unlock unlimited, instant, and free payments

Ziina is licensed by the Central Bank of the UAE

Step 2

Connect your UAE bank account. You’ll only need to do this once.

Top up Ziina balance

Add money to your account and enjoy unlimited free payments using your Ziina balance

Step 3

Choose an amount and confirm—your money appears instantly in your balance.

Send money instantly with zero fees

Top up once, and make every payment fast, easy, and fee-free.

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Ziina Personal

Today

From Samir

received

+42 AED

Send money Send money

Skip the fees

Free

No charges, no surprises. Paying with your balance is always free.

Send money on the spot

Top up once, pay anyone right away. Be the friend who settles up on the spot.

Track everything in one place

From top-ups to transfers, see your full payment history right inside the app.

Shop with your balance

Online or in person—use it wherever Ziina is accepted.

No more IBANs

Forget long account numbers. Just search your contact and send.

Split bills without the math

Dinner, rent, gifts—cover your share in seconds.

Frequently asked questions

Is there a minimum amount for topping up?

Is there a maximum amount I can top up?

How do I cash out my Ziina balance?

Is there a fee for topping up?

How fast are top-ups?

How do I top up my Ziina account?

Can I use my bank account to top up?

Can I pay with credit card or pay by card when topping up?

Can I top up using Apple Pay or Google Pay?

Why should I top up instead of just sending money with my card?

What banks are supported?

What fees apply when I send money?

Can I use my balance to pay businesses?

Can I see a history of all my top-ups?

How do top-ups work?

Is my money safe with Ziina?