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.
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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.
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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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