We may need to change our fees from time to time. We’ll let you know in advance when we do.
You agree to pay the applicable fees disclosed to you when you create your Ziina personal Account or Ziina business Account. All balances and all fees, charges, and payments collected or paid through Ziina Services are denominated in UAE dirhams (AED).
Please note that Ziina will not be responsible for any fees, charges, taxes, or levies imposed by third parties. Customers will be responsible for being aware of and discharging all such fees, charges, taxes, and levies.
All fees shown below are subject to a standard 5% Value Added Tax (VAT). This VAT is applied to the fee, not to the entire volume of the transaction.
The fees described in this section apply to individuals who do not have the Ziina app and are sending payments to Ziina personal Accounts and Ziina business Accounts via ZiiLink.
| Sending payments to business accounts | |
|---|---|
| Using UAE debit card | Free |
| Using UAE credit card | Free |
| Using international payment card | Free |
| Sending payments to personal accounts | |
|---|---|
| Using any payment card | 2.9% + 1 AED per transaction |
The fees described in this section apply to Ziina personal Accounts.
| Sending payments to business accounts | |
|---|---|
| Using your Ziina balance | Free |
| Using UAE credit card | Free |
| Using UAE debit card | Free |
| Using international payment card | Free |
| Sending payments to personal accounts | |
|---|---|
| Using Ziina balance | Free up to 5,000 AED per calendar month 2.9% + 1 AED per transaction after you exceed 5,000 AED in sent payments per calendar month |
| Using UAE debit card | Free up to 5,000 AED per calendar month 2.9% + 1 AED per transaction after you exceed 5,000 AED in sent payments per calendar month |
| Using UAE credit card | 2.9% + 1 AED per transaction |
| Using international payment card | 2.9% + 1 AED per transaction |
| Using Apple Pay | 2.9% + 1 AED per transaction |
| Using Google Pay | 2.9% + 1 AED per transaction |
| Receiving payments | |
|---|---|
| Receiving payments in-app | Free |
| Receiving payments through ZiiLink | Free |
The fees described in this section apply to Ziina business Accounts.
| Receiving payments | |
|---|---|
| Receiving payments through QR code, NFC or ZiiLink | 2.6% + 1 AED per transaction |
| Additional fee for charging customers in non-AED currency, settled in AED | Additional 1.5% per transaction |
| Receiving payments via website | |
|---|---|
| Receiving payments through website and charging customers in AED currency | 2.9% + 1 AED per transaction |
| Additional fee for charging customers in non-AED currency, settled in AED | Additional 1.5% per transaction |
| Refunds | |
|---|---|
| Refunding a customer | Free. Ziina fees charged on the original transaction will not be reimbursed |
| Sending payments | |
|---|---|
| Using your Ziina balance | 2 AED |
| Using UAE credit card | Free up to 4,000 AED per calendar month, 2.6% + 1 AED |
| Using UAE debit card | Free up to 4,000 AED per calendar month, 2.6% + 1 AED |
| Using international payment card | Free up to 4,000 AED per calendar month, 2.6% + 1 AED |