Cash-out processing times depend on your account type:

Instant Cash-Out — all personal accounts + business accounts with a Ziina Card — delivered almost instantly
Regular Cash-Out — business accounts without a Ziina Card — delivered in approximately 12 hours

If your cash-out hasn't arrived within the expected timeframe:
1. Check the status in the app. Confirm that your cash-out shows as Completed. If it still shows as Pending or Processing, allow the standard processing time before taking further action.
2. Check your bank reference number. Once your cash-out shows as Completed, you can find the bank reference number directly in the transaction details in the app. Share this with your bank so they can trace the transfer.
3. Contact your bank. Provide them with the reference number and they can trace the transfer from their end.
4. Reach out to Ziina support. If your bank requires additional documentation from Ziina, contact our support team and we'll provide it promptly.​