Service | Current fee | New fee from 8 November 2025 |
Sending payments using Ziina balance | Free up to 5,000 AED per calendar month. Then, 2.9% + 1 AED per transaction after you exceed 5,000 AED. | Free |
Sending payments using UAE debit card | Free up to 5,000 AED per calendar month. Then, 2.9% + 1 AED per transaction after you exceed 5,000 AED. | 2.9% + 1 AED on all transactions |
Sending payments using UAE credit card, international payment card, Apple Pay, or Google pay | 2.9% + 1 AED on all transactions | 2.9% + 1 AED on all transactions |
All fees shown above 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.
Cash out fees:
We’ve switched to a new banking partner to ensure continued reliability for cash outs. Here's what's changing:
Effective from 9 September 2025: When you withdraw your funds from Ziina to your bank account, you may see some standard fees deducted by your bank. The fee amount will vary from bank to bank, but in most cases, you will see approximately 1 AED bank fee deducted from your withdrawal amount. This fee is charged by your bank and is not controlled by Ziina.
Effective from 8 December 2025: Ziina will charge 1 AED per cash out (excluding any bank fees) to cover operational costs and support upcoming improvements to our cash out service.