# Ziina: Send. Spend. Get Paid. — user reviews > 167 indexed App Store user reviews of Ziina by Ziina, Inc, rated 4.70/5 from 781 ratings. - Source: https://appshunter.io/ios/app/ziina-send-spend-get-paid/id1507246381/reviews - App overview in markdown: https://appshunter.io/ios/app/ziina-send-spend-get-paid/id1507246381.md - Rating breakdown: 5★ 696 · 4★ 32 · 3★ 10 · 2★ 7 · 1★ 36 ## 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 ## Newest reviews (10 of 167) ### 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. ### 4/5 — No-name transfers *2026-04-26* 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 ### 1/5 — Не устанавливайте *2026-03-31, version 20.4.1* Невозможно удалить аккаунт после, техподдержка молчит, приложение не удаляет данные ### 1/5 — They are Theif *2026-03-26, version 20.4.1* I had a very disappointing and frustrating experience with this company. They held my amount of AED 2,500 without any valid reason and caused unnecessary delays. Despite providing multiple verifications and submitting all required documents, my issue was never properly resolved. To make matters worse, they eventually terminated my account without any clear explanation. This resulted in a complete loss of my time, effort, and money. There is no proper customer support or helpline available, which makes the situation even more concerning. I strongly question the transparency and reliability of their services. I would advise others to be extremely cautious and ensure the safety of their funds before engaging with this platform. ### 1/5 — The honest review *2026-03-17, version 20.4.1* I have been using it since one year it’s a easy to get payment but to much problems I got every week they need you to provide documents chats where you are get money from as well they said it’s a routine check they did this every week since 2 months when they didn’t find any mistakes so they just decided to block my account with balance for no reason as well they said maybe you will get your money after 120 days really bad experience not helpful at all ### 4/5 — Ziina not working *2026-03-03, version 20.3* From last 24hrs app is not working please slot out is problem ### 5/5 — Facing issue *2026-03-02, version 20.3* Dear Team, your app is excellent but sometime I face an issue like customer makes payment and on screen it shows transaction complete but amounts not reflecting to my account. And since today morning when I log in the screen goes complete white. Please resolve the issue at earliest ### 1/5 — Beware of Ziina – They Can Terminate Your Account Without Warning *2026-02-11, version 20.2.0* They didn’t even give a reason — just sent an email saying my account was terminated and the money was refunded to customers. Seriously, what’s going on? I opened an account with Ziina to do business and earn honestly by selling services, and suddenly they shut it down without warning. Never trust Ziina with your hard-earned money or put your business at risk with them. They didn’t ask a single question — just terminated everything and ruined my work. ### 5/5 — Good app *2026-02-08, version 20.1.1* Esay to recive money and fast ### 4/5 — Great App *2026-02-07, version 20.1.1* Zero complaints. Cash out could be faster. 4-5 days to cash out in the same country is long. If they rolled out the card faster wouldn't need to cash out often. Easy though. Love this app. ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 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. ### 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. ### 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 ### 1/5 — Acount closing *2026-05-11, version 20.7* 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. ### 1/5 — AED 402 Stuck — Worst Customer Support Experience *2026-05-08, version 20.7* 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. ### 1/5 — Do not trust them with your funds *2026-04-10, version 20.5* 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! ### 1/5 — Scamm *2026-04-07, version 20.5* 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 ## Most praised reviews (10 highest-rated) ### 5/5 — Best app ever *2026-06-22, version 20.11.0* Very fast and clear ### 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 ### 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. ### 5/5 — Zina is the best Aap *2026-05-11, version 20.7* Fast money transfer ### 5/5 — Good app *2026-05-09, version 20.7* Good ### 5/5 — About received late payment in card cash out *2026-04-28, version 20.7* 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. ### 5/5 — Exceptional *2026-04-28* 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. ### 5/5 — ⭐️⭐️⭐️⭐️⭐️ Excellent Service & Fast Support *2026-03-27, version 20.4.1* I had a really great experience with Ziina. I was honestly surprised by how quickly and efficiently they handled my issue. Their team supported me throughout the entire process and managed everything smoothly within a short time. The app itself is very easy to use, and their customer service is outstanding—responsive, helpful, and professional. It’s rare to find this level of support, and it definitely makes a big difference. Highly recommended for anyone looking for a reliable and user-friendly financial app. ### 5/5 — شكرا زينة *2026-03-18, version 20.4.1* شكرا زينة الف مرة ### 5/5 — Excited and really happy to use it *2026-03-12, version 20.3* Excellent 🫶🏻 --- *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 2026-09-01.*