Ziina
Ziina is a fintech wallet issued on Visa, rated 7.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Ziina is the strongest fit for free issuance, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Ziina · Fintech Wallet |
| Official site | https://ziina.com |
| Best for | Free issuance |
| Network | Visa |
| Rating | 7.7/10 (4.0★, 184 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | AED 0 (Lite); Violet AED 100/mo or AED 996/yr (incl. VAT) |
| Top-up (deposit) fee | 2.625% card top-up ··· |
| FX / conversion fee | 0% up to AED 3,000/mo (Lite) or AED 20,000/mo (Violet), then 0.5% |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Bank transfer | Yes |
Billing
| Billing country | United Arab Emirates |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 472076 | Visa | United Arab Emirates | Debit | 239 | 171 | 71.5% |
We logged 171 cleared charges out of 239 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Visa virtual cards
Frequently asked
What does Ziina cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is AED 0 (Lite); Violet AED 100/mo or AED 996/yr (incl. VAT); top-ups cost 2.625% card top-up (1.05% first AED 5,000 on Violet); bank transfer free; conversion is priced at 0% up to AED 3,000/mo (Lite) or AED 20,000/mo (Violet), then 0.5%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Ziina?
Ziina asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Ziina?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Ziina need?
Setting it up: cards are issued against United Arab Emirates; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will Ziina trigger 3-D Secure?
Yes. Ziina supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.