ZIINA IS HOLDING MY MONEY FOR 120 DAYS WITH NO EXPLANATION
I am a business owner in the UAE /UK and Ziina has been holding 28,855.55 AED of my hard earned money since April 13, 2026. That is over 45 days with NO release and now they want me to wait a FULL 120 DAYS.
Here is the timeline of what happened:
April 13 Account suspended with ZERO warning and ZERO explanation
April 14 Account permanently closed. No reason given.
Throughout April/May I submitted every document they requested. Full cooperation.
May 28 They told me to follow up on this exact date. I did. They then said the 45 days was "not a guarantee" and moved the target to 120 DAYS.
What they WON'T tell me:
❌ Why my account was closed
❌ What the "investigation" is about
❌ When exactly my money will be released
❌ Any specific reason why 27,990.11 AED is being held when there is only ONE small dispute of 865.44 AED
What I CAN tell you:
I have 45+ days of email correspondence proving everything I have stated
No chargebacks. No fraud. No wrongdoing on my part.
I cannot pay my rent and bills because of this hold
I will be filling a formal complaint with the Central Bank of the UAE (CBUAE)
Ziina keeps telling me they are "regulated by the Central Bank of the UAE" so I am asking the CBUAE directly to investigate why a regulated platform is holding nearly 29,000 AED of a customer's money for 120 days with no clear justification.
To every business owner, freelancer, and entrepreneur in the UAE and UK DO NOT trust this platform with your money. What happened to me can happen to you.
Here is the timeline of what happened:
April 13 Account suspended with ZERO warning and ZERO explanation
April 14 Account permanently closed. No reason given.
Throughout April/May I submitted every document they requested. Full cooperation.
May 28 They told me to follow up on this exact date. I did. They then said the 45 days was "not a guarantee" and moved the target to 120 DAYS.
What they WON'T tell me:
❌ Why my account was closed
❌ What the "investigation" is about
❌ When exactly my money will be released
❌ Any specific reason why 27,990.11 AED is being held when there is only ONE small dispute of 865.44 AED
What I CAN tell you:
I have 45+ days of email correspondence proving everything I have stated
No chargebacks. No fraud. No wrongdoing on my part.
I cannot pay my rent and bills because of this hold
I will be filling a formal complaint with the Central Bank of the UAE (CBUAE)
Ziina keeps telling me they are "regulated by the Central Bank of the UAE" so I am asking the CBUAE directly to investigate why a regulated platform is holding nearly 29,000 AED of a customer's money for 120 days with no clear justification.
To every business owner, freelancer, and entrepreneur in the UAE and UK DO NOT trust this platform with your money. What happened to me can happen to you.
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I don’t understand how it works
Well it’s a great app but I wonder how my fellow users are charged 2ead on each transaction but me 15ead on each transaction some time 45ead or more why is it that way some users are charged less others say more
They trick you into downloading the app
Wanted to use the web version to pay a company for the service with my credit card via ApplePay and noticed the high transaction fee. But there was a note that if I download the app, there would be no fees. So i spent time registering, using my ID card and my face ID, address and everything. And at the end there were still chargers applied cause they failed to mention that the transaction fees are only removed if you pay using the money that you keep on Ziina account and use it as debit card. Such unethical way of customer acquisition! I have no trust in them now if they are using these kind of thricks to lure clients in.
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Good functionality, too expensive
It’s a very good app that makes it very easy for small businesses. I can give my clients lots of options to pay. I am just baffled by how expensive it is to provide this simple service for businesses. And delay to transfer the money to my bank account, which sometimes takes a few days is completely unexplainable with today’s banking technology. That said there are no better options really but there is space in this industry to create a low-cost alternative. It will be very popular.
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Sudden Account Termination and Very Disappointing Support Experience
Extremely disappointing and stressful experience with Ziina. My account was suddenly terminated without any proper warning even after I fully cooperated with their verification process and submitted all requested documents, IDs, and transaction proofs. I had nothing to hide, and all my transfers were legitimate, yet my account was still closed unexpectedly.
What made the situation worse is that my remaining balance of 841 AED has now been placed on hold for 45–120 days. This is not a small amount for me — it is important money that I use for my daily living expenses, bills, and responsibilities. Keeping customer funds blocked for months after account termination is honestly unacceptable and creates huge financial stress.
The verification process itself felt overly complicated and invasive compared to other banking and payment apps in the UAE. At one point, I was repeatedly asked for more and more information, while support responses felt generic, delayed, and unclear. Instead of helping customers feel secure, the process made me feel like I was constantly being treated with suspicion despite providing every proof they requested.
The most frustrating part is the lack of transparency. I was never given a clear explanation for why the account was terminated. If a company decides to close an account, at least provide proper communication and faster access to the customer’s remaining funds. Good customer service is not only about having a smooth-looking app — it’s about how customers are treated when there is a serious issue.
I honestly trusted Ziina because the app interface is modern and convenient, but this experience completely changed my opinion. Financial apps should understand that people depend on their money for real-life needs, and suddenly blocking access to funds for up to 120 days can seriously affect someone’s life.
I hope Ziina improves its customer support, verification process, transparency, and handling of genuine users in the future. Right now, based on my experience, I cannot confidently recommend this app to others.
What made the situation worse is that my remaining balance of 841 AED has now been placed on hold for 45–120 days. This is not a small amount for me — it is important money that I use for my daily living expenses, bills, and responsibilities. Keeping customer funds blocked for months after account termination is honestly unacceptable and creates huge financial stress.
The verification process itself felt overly complicated and invasive compared to other banking and payment apps in the UAE. At one point, I was repeatedly asked for more and more information, while support responses felt generic, delayed, and unclear. Instead of helping customers feel secure, the process made me feel like I was constantly being treated with suspicion despite providing every proof they requested.
The most frustrating part is the lack of transparency. I was never given a clear explanation for why the account was terminated. If a company decides to close an account, at least provide proper communication and faster access to the customer’s remaining funds. Good customer service is not only about having a smooth-looking app — it’s about how customers are treated when there is a serious issue.
I honestly trusted Ziina because the app interface is modern and convenient, but this experience completely changed my opinion. Financial apps should understand that people depend on their money for real-life needs, and suddenly blocking access to funds for up to 120 days can seriously affect someone’s life.
I hope Ziina improves its customer support, verification process, transparency, and handling of genuine users in the future. Right now, based on my experience, I cannot confidently recommend this app to others.
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