Fees
At Ziina, we keep it simple with no setup fees, or hidden charges. Enjoy fair pay-as-you-go pricing. 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.
Last updated 8 September 2025
Personal
Business
Current pricing
Future pricingEffective starting
8 November 2025
Receive payments
All payment methods
Free
Free
Current pricing
Future pricingEffective starting
8 November 2025
Send payments to
Payments to Ziina Business accounts
All payment methods
Free
Free
To other Ziina personal accounts
Payments via Ziina balance
Free 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
Free
Sending payments using UAE debit card
Free 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
2.9% + 1 AED per transaction
Sending payments using UAE credit card, international payment card, Apple Pay, or Google Pay
2.9% + 1 AED per transaction
2.9% + 1 AED per transaction
Current pricing
Future pricingEffective starting
8 December 2025
Services
Top ups via bank transfer
Free
Free
Cash outs (excluding bank fees)
Free
1 AED
Current pricing
Future pricingEffective starting
8 November 2025
Non-Ziina users
Payments to Ziina Personal accounts
Payments via cards
2.9% + 1 AED per transaction
2.9% + 1 AED per transaction
Payments to Ziina Business accounts
Payments via cards
Free
Free
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.