Ziina Launches Digital Card With Visa, Empowering UAE Users To Instantly Convert Balances Into Spends

Ziina, a fintech platform in the UAE, has introduced its first digital card, the Ziina Card, powered by Visa. This card is available in Apple Wallet and allows users to convert their Ziina balance into immediate spending power.

By collaborating with Visa, Ziina ensures global acceptance and robust security while offering exclusive rewards. This aligns with their mission to simplify and expedite money movement in the UAE.

The introduction of the Ziina Card comes at a crucial time for the UAE's economy. Both small and medium-sized enterprises (SMEs) and consumers are increasingly dependent on digital payments.

SMEs make up over 94% of businesses in the UAE and contribute more than 63% to the GDP. However, they often face cash flow issues due to delayed client payments. Consumers are also seeking seamless and secure transaction methods as the economy becomes more cashless.

Real-Time Financial Control for Businesses

For SMEs and freelancers, Ziina has been a swift payment solution for clients. With the Ziina Card, businesses can now manage expenses efficiently by accessing earnings instantly to pay suppliers and control spending within one ecosystem.

This integration offers transparency and cost efficiency without juggling multiple providers. Each transaction includes enriched merchant-level data for easier accounting, ensuring security through full Central Bank licensing.

Through its partnership with Visa, Ziina offers additional value by providing exclusive business rewards. These include discounts on essential tools like Google Workspace, Microsoft 365, Adobe Acrobat Pro, Freshworks, SignEasy, and Zendesk. Such benefits equip SMEs with affordable digital infrastructure to scale effectively in a competitive market.

For individuals, every dirham received on Ziina can be instantly used for purchases via Apple Pay wherever cards are accepted. Users no longer need to wait to cash out; they can easily tap to pay for various expenses like rides or group dinners. Each transaction retains its social context — who paid what and why — while enriched merchant details provide greater visibility within the Ziina app.

The launch of the Ziina Card follows their earlier introduction of Tap to Pay on iPhone and Android devices this year. This feature allowed businesses across the UAE to accept contactless payments without traditional hardware. Together with Tap to Pay, the Ziina Card creates a complete ecosystem: facilitating quick payments and simple spending.

The launch of the Ziina Card marks a significant milestone for both the company and its users. Tens of thousands had requested this feature, making it highly anticipated since Ziina's inception. "We've always believed that financial services should adapt to how people actually live and work," stated Faisal Toukan, Co-Founder and CEO of Ziina.

"Visa is delighted to partner with Ziina to bring instant, secure, and globally accepted spending power to users in the UAE," said Salima Gutieva from Visa. "Ziina's Visa card exemplifies how innovation can deliver faster payment experiences for consumers and businesses alike."

By addressing challenges faced by traditional banks in creating a unified flow between receiving and spending money, Ziina eliminates intermediaries like "cash-out" processes. This provides real-time access to funds with enhanced data visibility while maintaining uncompromising security standards.

As a licensed startup connecting both sides of payment transactions seamlessly within one platform—receiving funds quickly then spending them immediately—Ziina is redefining money movement within UAE's digital economy while strengthening its role as an indigenous financial partner.