# Ziina: Send. Spend. Get Paid. — Payments for UAE. Plus Violet. > UAE payment app for individuals and businesses, with premium membership benefits. (iPhone/iPad app by Ziina, Inc.) - Source: https://appshunter.io/ios/app/ziina-send-spend-get-paid/id1507246381 (this page in markdown: same URL + `.md`) - Developer: [Ziina, Inc](https://appshunter.io/developer/1507246380) - Category: Finance, Business - Price: Free - Rating: 4.70/5 from 774 App Store ratings · 167 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 346 MB - Languages: American English, Arabic - Released: 2020-05-12 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ziina-send-spend-get-paid/id1507246381/reviews.md ## What is Ziina? Ziina is the fast, secure way for individuals and businesses in the UAE to send, receive and manage money. Whether you’re growing your business or paying your share of the rent, Ziina helps you move money simply and safely. ZIINA VIOLET Ziina Violet is a membership built for how you live, work and move in the UAE. Enjoy premium monthly benefits from 12 brands and services like ClassPass, SALT, Ounass and more. From workouts and coffee runs to fuel delivery and laundry, Ziina Violet gets you more from the things you already do—and pays for itself with just 1-2 benefits. Plus, enjoy monthly cashback, 0 currency fees online or abroad, priority support and your exclusive Violet Card. ZIINA PERSONAL Ziina makes transfers as easy as a text. Send or receive payments in seconds, whether you’re splitting dinner, paying a friend back or covering the little things that make up everyday life. Accept payments through QR codes or payment links, with support for credit cards, Apple Pay and Google Pay. Everything stays secure, organized and easy to track in your Ziina account. Keep your balance for future spending or cash out instantly. ZIINA BUSINESS Ziina Business is the one-stop shop for all your business needs. Get 1,000 AED in fee-free processing when you join. Plus, when you invite another business to the Ziina family, both of you can earn an extra 5,000 AED in free processing. Whether you're launching a startup or managing an established business, Ziina Business is here to help you with all the tools you need to keep your business running smoothly. ZIINA CARD Spend your Ziina balance directly with your digital Ziina Card. Use your funds to cover your business or personal expenses, and manage everything in one place. Add your card to your Apple or Google wallet and enjoy 0 currency fees on all non-AED spend, online and abroad. TAP TO PAY ON iPHONE With Tap to Pay on iPhone and Ziina, you can accept contactless, in-person payments directly on your iPhone—no extra hardware needed. Just open the Ziina app and start accepting payments in seconds. Fast, secure and ideal for cafes, salons, fitness studios, pop-ups and mobile businesses. SECURE PAYMENT GATEWAY Ziina’s payment gateway integrates seamlessly with Shopify, WooCommerce, WordPress and custom websites. Accept payments in up to 10 currencies, making it easy to sell locally and internationally while keeping cashflow secure and easy to manage. PAYMENT LINKS Create and send secure payment links on demand. Get paid by customers via Visa, Mastercard, AMEX, Apple Pay or Google Pay—locally or internationally. PAYMENT KEYBOARD Send invoices without leaving your chats. With ZiiBoard, create and send payment requests directly inside WhatsApp, Instagram or any messaging app. No switching apps. No lost conversations. QR STANDS AND NFC CARDS Accept in-person payments anywhere with custom QR stands and NFC cards—simple, fast, and ready for pop-ups, markets or mobile stalls. Customers scan or tap and pay with Apple Pay, Google Pay or their card. Funds appear instantly in your Ziina account. FAST CASH OUTS Ziina supports all UAE banks, including RAKBANK, ADCB, Emirates NBD, Citibank UAE, HSBC and more. Transfers arrive within a few hours, at most 1-2 working days. PRIVACY AND SECURITY Ziina Payment LLC is licensed by the Central Bank of the UAE (License No. 1112672). Your account is protected with biometric authentication and PCI-DSS–certified technology to safeguard payment card information. Get paid the Ziina way. Download the app today to sign up and get started in under a minute. ## Key features - Send and receive money instantly - Accept contactless payments on iPhone - Business payment processing - Digital payment card - Secure payment gateway integration - Payment links and keyboard ## What do users think of Ziina? Overall sentiment: mixed **Pros** - 🚀 Instant and fast transactions - 👍 User-friendly interface - 💰 Easy money transfers and bill splitting - ⚡ Quick cashout process - 🎯 Reliable payment processing - 📱 Simple account setup and verification - 🌍 Fills gap for P2P payments in MENA region - ✨ Seamless and smooth user experience **Cons** - 😞 Poor customer service responsiveness - 🔒 Account closure without explanation - ⏳ Long account verification delays - 💸 Hidden or unexpected fees - 📵 Unresponsive support channels - 🚫 Account termination without clear reason - ⚠️ Funds held indefinitely - 😤 Rude and sarcastic customer support - 🔐 Privacy concerns with banking credentials - ❌ KYC verification issues **Commonly reported bugs** - Transaction glitch on Feb 25 2025 with missing payments - Account verification stuck for extended periods - KYC process rejecting valid documents repeatedly - Cashout requests held beyond stated 2 working day SLA - Transaction rejection causing account closure **Most requested features** - Expansion to Qatar market - Phone support line instead of WhatsApp only - Multiple support channels for better accessibility - Clearer communication on account status changes ## Recent user reviews (10 of 167) All indexed reviews: https://appshunter.io/ios/app/ziina-send-spend-get-paid/id1507246381/reviews.md ### 1/5 — Terminated without explanation *2026-07-21* Don’t risk it, keep your money safe. I signed up and uploaded everything necessary. Before I even got a chance to look around the app my account was terminated. I contacted support and all they said was there’s nothing I can do about it and after asking multiple times I was given no reasoning as to why it was terminated. Whatever you do stay away from this. I’m glad it happened before I put any money in. **Developer response:** Hi there, we understand your concern and would like to take a closer look at this. Please contact us at support@ziina.com or reach out via Instagram DMs and we’ll review your case and provide clarity. ### 5/5 — Best app ever *2026-06-22, version 20.11.0* Very fast and clear ### 1/5 — Do yourself a favor and use a different app whose customer support you can actually reach *2026-06-17* As long as you don’t have any needs - you’ll be fine but the moment you need something - forget it- you’re alone with no one to talk to - let’s see now if they actually reach out when they read this review **Developer response:** Hi there, thanks for sharing your feedback. We’d like to understand what happened and help resolve this for you. Please contact us at support@ziina.com or reach out via Instagram DMs and we’ll review your case and assist you directly. ### 1/5 — ZIINA IS HOLDING MY MONEY FOR 120 DAYS WITH NO EXPLANATION *2026-05-29, version 20.9.1* 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. ### 5/5 — I don’t understand how it works *2026-05-24, version 20.9.1* 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 ### 1/5 — They trick you into downloading the app *2026-05-18, version 20.8* 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. ### 4/5 — Good functionality, too expensive *2026-05-15, version 20.8* 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. ### 1/5 — Sudden Account Termination and Very Disappointing Support Experience *2026-05-12, version 20.7* 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. ### 5/5 — Excellent & Easy Payment App *2026-05-12, version 20.7* Very easy to use for business and personal payments. Fast, secure, and reliable app for sending and receiving money anywhere through mobile. Smooth experience and great service. ### 1/5 — Absolutely Terrible Experience – Funds Held and Account Abruptly Closed *2026-05-12, version 20.7* This has been one of the worst experiences I’ve had with any app. Ziina held my money for nearly a week with no clear explanation or resolution. On top of that, my account was suddenly terminated before my funds were even released. The lack of transparency, accountability, and customer support is completely unacceptable. It feels like users are left in the dark with no proper answers or timely action when it comes to their own money. I strongly recommend thinking twice before using this app, especially if you plan to trust it with your funds. This kind of handling raises serious concerns about reliability and user protection. Review -100 ## Frequently asked questions about Ziina ### What does Ziina do? Ziina is a payment platform designed for individuals and businesses in the UAE. It allows users to send, receive, and manage money quickly and securely. The app also offers features for accepting payments, integrating with e-commerce platforms, and provides a digital card for spending. ### What are the key features of Ziina? Key features include instant money transfers, the ability to accept contactless payments directly on an iPhone, business payment processing with fee-free incentives, a digital Ziina Card for spending, secure payment gateway integration for websites, and the creation of payment links and a payment keyboard for easy invoicing. ### Is Ziina free to use? The core services of Ziina for sending and receiving money are generally free. However, there is a premium membership called Ziina Violet which offers monthly benefits and cashback. Business accounts may also have fee-free processing incentives. ### What are the common use cases for Ziina? Common use cases include splitting bills with friends, paying back individuals, managing personal expenses, accepting payments for small businesses, processing online sales through website integrations, and accepting in-person payments at pop-ups or markets. ### Can I use Ziina for business transactions? Yes, Ziina Business is a dedicated service for businesses. It offers fee-free processing incentives and tools to help manage business finances smoothly. Businesses can also integrate Ziina's payment gateway with platforms like Shopify and WooCommerce. ## Version history (last 5 releases) ### 20.19.2 — 2026-08-26 - You can now top up your Ziina account with Apple Pay. Ziina reopens on the top-up method you used last, so it's quicker next time - Business owners can now let team members handle chargeback disputes ### 20.19 — 2026-08-24 - You can now top up your Ziina account with Apple Pay. Ziina reopens on the top-up method you used last, so it's quicker next time - Business owners can now let team members handle chargeback disputes ### 20.18 — 2026-08-17 This update brings a few improvements: - Business referrals: refreshed design makes it easier to share your invite link - General fixes and improvements for a smoother, more reliable experience ### 20.17 — 2026-08-11 This update brings a few improvements to make your experience smoother. • Business and Pro accounts refunds revamp: refund part of a payment, with a clearer refund summary, a new status screen so you can track it, and a shareable refund receipt • Business referrals: refreshed design makes it easier to see your reward status at a glance • Bug fixes & stability: general fixes and improvements for a smoother, more reliable experience ### 20.16 — 2026-08-03 Now introducing Ziina Violet, a lifestyle membership that pays for itself. Get benefits from 12 premium brands, including ClassPass, Deliveroo, CAFU, SALT, Letswork and more—all in one simple plan. Enjoy 0 currency fees on all non-AED spend online and abroad, Ziina Priority support and an exclusive Violet Card ready for Apple Pay and Google Pay. Use just one or two benefits a week and Violet already covers its cost. ## Apps similar to Ziina | App | Rating | Price | Category | | --- | --- | --- | --- | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Western Union: Send Money](https://appshunter.io/ios/app/western-union-send-money/id424716908) | 4.8 (1,300,999) | Free | Finance | | [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (21,035) | Free | Finance | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (881,655) | Free | Finance | | [ADIB Mobile Banking](https://appshunter.io/ios/app/adib-mobile-banking/id1128180440) | 4.7 (21,583) | Free | Finance | | [e& money UAE](https://appshunter.io/ios/app/e-and-money-uae/id1467882287) | 4.7 (2,934) | Free | Finance | ## Related topics [zeina](https://appshunter.io/ios/topics/zeina) · [zeina business](https://appshunter.io/ios/topics/zeina-business) · [ubl digital uae](https://appshunter.io/ios/topics/ubl-digital-uae) · [uae business](https://appshunter.io/ios/topics/uae-business) · [chaabi pay](https://appshunter.io/ios/topics/chaabi-pay) · [best bites uae](https://appshunter.io/ios/topics/best-bites-uae) · [muzz uae](https://appshunter.io/ios/topics/muzz-uae) · [victoria uae direct sales](https://appshunter.io/ios/topics/victoria-uae-direct-sales) · [hubpay](https://appshunter.io/ios/topics/hubpay) · [mbank uae business](https://appshunter.io/ios/topics/mbank-uae-business) · [zmc express](https://appshunter.io/ios/topics/zmc-express) · [banky uae business](https://appshunter.io/ios/topics/banky-uae-business) · [mnzl](https://appshunter.io/ios/topics/mnzl) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*