Terminated without explanation
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.
Show more
Response from developer
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.
Best app ever
Very fast and clear
Do yourself a favor and use a different app whose customer support you can actually reach
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
Response from developer
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.
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.
Show more
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.
Show more
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.
Show more
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.
Show more
Excellent & Easy Payment App
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.
Absolutely Terrible Experience – Funds Held and Account Abruptly Closed
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
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
Show more
Acount closing
I am very disappointed with my experience using Ziina. Despite sharing the app and helping others download it, I did not receive any proper support or clarification regarding my account issue.
My account was suddenly restricted without a clear explanation, even though I believe I have not done anything against their policies. I also did not receive proper assistance from their support team to resolve the issue.
Overall, the communication and handling of my case felt unprofessional and frustrating. I hope Ziina improves its customer support and provides clearer guidance and fair treatment to users in the future.
My account was suddenly restricted without a clear explanation, even though I believe I have not done anything against their policies. I also did not receive proper assistance from their support team to resolve the issue.
Overall, the communication and handling of my case felt unprofessional and frustrating. I hope Ziina improves its customer support and provides clearer guidance and fair treatment to users in the future.
Show more
Zina is the best Aap
Fast money transfer
Good app
Good
AED 402 Stuck — Worst Customer Support Experience
Extremely disappointed with this app and its customer support. I transferred AED 402 on 5 May, and the payment is still neither received by the beneficiary nor returned to my account.
For several days I kept contacting customer support, and every time I was told “it will arrive by Friday,” yet nothing happened. No proper update, no clear explanation, and no urgency from their side regarding customers’ money.
Keeping someone’s funds stuck for this long without resolution is completely unacceptable and highly unprofessional. Very bad experience and extremely poor support service.
For several days I kept contacting customer support, and every time I was told “it will arrive by Friday,” yet nothing happened. No proper update, no clear explanation, and no urgency from their side regarding customers’ money.
Keeping someone’s funds stuck for this long without resolution is completely unacceptable and highly unprofessional. Very bad experience and extremely poor support service.
Show more
About received late payment in card cash out
Ziina Payment is very good, their service is good, but when you want to transfer money to an account, it takes a lot of time, it can take two or three days.
Exceptional
After setting up my company Ziina onboarding was fast and efficient. No other payment processor has ever called and walked through how to use app and their customer services is exceptional. Payment ms captured with ease and transfer payouts in hours to your bank.
No-name transfers
All other aspects seem great so far. Very user friendly. BUT We used it for a wedding gift fund and many people transferred with no name. It was embarrassing to have to go ask people. Should be required to at least have name/nick name for transfers
Do not trust them with your funds
They wait for the right moment to catch you off guard. As long as all the payments and top ups are coming only from their app will go thru because they cant play this part.
But make a transfer from your bank account directly and see how fast that amount will disappear into Ziina’s IBAN and then the worst customer service with ChatGPT responses wakes up and keep passing their time with you via generic emails.
You will be chasing them over & over for your own money to be released to you. The worst part is, they are not a bank to verify incoming funds for fraudulent acitivities, they are not pension authority, they are not your employer, they are nobody to HOLD YOUR OWN MONEY HOSTAGE!
But make a transfer from your bank account directly and see how fast that amount will disappear into Ziina’s IBAN and then the worst customer service with ChatGPT responses wakes up and keep passing their time with you via generic emails.
You will be chasing them over & over for your own money to be released to you. The worst part is, they are not a bank to verify incoming funds for fraudulent acitivities, they are not pension authority, they are not your employer, they are nobody to HOLD YOUR OWN MONEY HOSTAGE!
Show more
Scamm
My experience with the Ziina app has been extremely disappointing.
I have been waiting for my money for over 3 days now, even though I was clearly told the transfer would be completed within 2 days. Until today, I still haven’t received anything.
I contacted customer support multiple times, but the response time is extremely slow — conversations take hours with no real solution or proper follow-up. On top of that, their way of dealing with customers is very poor, with no professionalism and no transparency at all.
So far, my money has not been transferred, and no clear explanation has been provided for the delay. This has been a very frustrating experience, and I would not recommend using this app based on the level of service I received
I have been waiting for my money for over 3 days now, even though I was clearly told the transfer would be completed within 2 days. Until today, I still haven’t received anything.
I contacted customer support multiple times, but the response time is extremely slow — conversations take hours with no real solution or proper follow-up. On top of that, their way of dealing with customers is very poor, with no professionalism and no transparency at all.
So far, my money has not been transferred, and no clear explanation has been provided for the delay. This has been a very frustrating experience, and I would not recommend using this app based on the level of service I received
Show more
Не устанавливайте
Невозможно удалить аккаунт после, техподдержка молчит, приложение не удаляет данные
