For Employees

Your money, your control

Receive your salary securely and access your money anytime through a simple digital wallet.

Receive your salary directly in a secure digital wallet

Access your money anytime

Make local transfers, or send money home to up to 5 people at the cost of 1 transfer fee

Use your myZoi card for payments

Receive your earned salary early

Top up your mobile with local and international recharge

Smiling construction worker using his phone on a building site at dusk, hard hat beside him
TRANSPARENT PRICING

Fully transparent pricing and no hidden fees.

Send money home safely, with fair prices through our app. We offer fast, secure transfers and favorable fees and charges. Simply check the fees and currency conversion rates to your country.

Fast, secure transfers

Send money home quickly and securely, straight from the app.

28 countries

Transfer to family and friends across the globe with competitive rates.

No hidden fees

Check fees and live exchange rates in the app before you send.
Employee benefits

Stronger workforce. Happier teams.

Everything your employees need to manage their money. In one app, from day one.

Get salary

Salary is credited to your employees’ myZoi wallet once payroll is processed. No queues, no cash.

Send money

Employees can make local transfers or send to 30+ countries. Live tracking on every transfer.

Earned wage access

Employees can access part of the wages they have already earned, when it matters most.

Check balance

Employees can access their balance, recent transactions and spending history. Instantly, any time.

Recharge mobile

Top-ups to any UAE or home country number in seconds.

Pay and withdraw

myZoi cards can be used in shops, online and at ATMs to withdraw cash.
Hand holding a phone with the myZoi app showing wallet balance and a send money home form
OUR COMMUNITY

Hear from workers using myZoi

Real stories from real workers across the UAE.

Security & Trust

A secure and trusted platform.

myZoi is designed to keep your money safe. Your salary is protected from the moment it leaves your employer to the moment you use it.

Backed by
Incubated by

Backed by Standard Chartered

One of the world's most trusted financial institutions stands behind myZoi.

Licensed by the Central Bank of the UAE

We meet the highest regulatory standards set by the Central Bank of the UAE.

Secure digital wallet technology

PCI-DSS Level 1 certified security protects your salary and personal data at every step.

One-to-many

Send money to up to 5 family members with one transfer.

Fair transfer fees

Keep more of your salary. We aim to bring you fair transfer fees so you can save more for yourself and your family.

myZoi cards

Our cards let you get cash or use them for any purchase in your favourite stores.
How it works

Getting started is simple

From your employer registering you to sending money home, here is exactly how myZoi works for you.

01

Your employer registers you

Your employer registers you with myZoi. There is nothing for you to arrange and no bank account needed.

Supervisor with a tablet talking to a group of uniformed workers in a factory
02

You activate your account

You activate your account in the myZoi app, in your own language, in just a few minutes.

Hand holding a smartphone above an Indian passport on a desk, ready for app onboarding
03

Your salary arrives in your wallet

Your salary is paid straight into your myZoi wallet, securely and on time, every month.

myZoi app home screen with balance and send money options, plus a Salary received notification
04

Access your money anytime

Your money is yours to use whenever you need it, straight from the app.

Smiling worker in blue overalls showing a myZoi Salary Credited screen on his phone
05

Send money home to 28 countries

Send money to family and friends, without leaving the app.

myZoi app home screen with balance and send money options, plus a Salary received notification
Supervisor with a tablet talking to a group of uniformed workers in a factory
Hand holding a smartphone above an Indian passport on a desk, ready for app onboarding
myZoi app home screen with balance and send money options, plus a Salary received notification
Smiling worker in blue overalls showing a myZoi Salary Credited screen on his phone
Phone showing the myZoi Send Money screen beside an elderly couple looking at a smartphone together
MoneyTips

Your guide to smarter money habits.

Learn and grow

Money Tips helps you learn simple ways to save, budget and protect your money.

Plan ahead

Set aside savings in your wallet and watch your balance grow. You can also top up mobile credit or pay bills through the app.
All
Budgeting basics
Smart remittances
Savings habits
Cyber safety
भिडियो कलमा धोका नखानुहोस्! | Money Tips | Season 2 | Episode 4

भिडियो कलमा धोका नखानुहोस्! | Money Tips | Season 2 | Episode 4

Play

Cyber Security

Nepali

https://www.youtube.com/shorts/J_xKk-ed-YU

त्यो “आधिकारिक” कल पनि स्क्याम हुन सक्छ! | Money Tips | Season 2 | Episode 3

त्यो “आधिकारिक” कल पनि स्क्याम हुन सक्छ! | Money Tips | Season 2 | Episode 3

Play

Cyber Security

Nepali

https://www.youtube.com/shorts/wjRX6ntKWI8

Video call par dhoka na khao! | Money Tips | Season 2 | Episode 4

Video call par dhoka na khao! | Money Tips | Season 2 | Episode 4

Play

Cyber Security

Urdu/Hindi

https://youtu.be/gkFJfOjHImM

Woh “official” call scam bhi ho sakta hai! | Money Tips | Season 2 | Episode 3

Woh “official” call scam bhi ho sakta hai! | Money Tips | Season 2 | Episode 3

Play

Cyber Security

Urdu/Hindi

https://youtu.be/y_t25EyI5pA

Strong passwords kiya hotay hein? | Money Tips | Season 1 | Episode 8

Strong passwords kiya hotay hein? | Money Tips | Season 1 | Episode 8

Play

Cyber Security

Urdu/Hindi

https://youtu.be/4C__koSyysg

Apni personal information ko kese mehfooz rakhein? | Money Tips | Season 1 | Episode 7

Apni personal information ko kese mehfooz rakhein? | Money Tips | Season 1 | Episode 7

Play

Cyber Security

Urdu/Hindi

https://youtu.be/rxMH3hKkQ6w

Online scam se kese bachein? | Money Tips | Season 1 | Episode 6

Online scam se kese bachein? | Money Tips | Season 1 | Episode 6

Play

Cyber Security

Urdu/Hindi

https://youtu.be/FvwpR-9Qij0

myZoi Digital Wallet kay 4 faaeday myZoi Digital Wallet sey rakhain paisay mehfooz! | Money Tips | Season 1 | Episode 17

myZoi Digital Wallet kay 4 faaeday myZoi Digital Wallet sey rakhain paisay mehfooz! | Money Tips | Season 1 | Episode 17

Play

Cyber Security

Urdu/Hindi

https://youtu.be/SGEr-Cvrmx0

myZoi Digital Wallet sey rakhain paisay mehfooz! | Money Tips | Season 1 | Episode 16

myZoi Digital Wallet sey rakhain paisay mehfooz! | Money Tips | Season 1 | Episode 16

Play

Cyber Security

Urdu/Hindi

https://youtu.be/EvgCDDCb95s

Cash ya myZoi Digital Wallet? | Money Tips | Season 1 | Episode 15

Cash ya myZoi Digital Wallet? | Money Tips | Season 1 | Episode 15

Play

Cyber Security

Urdu/Hindi

https://youtu.be/XXlnljeszQQ

Apnay khuwab budgeting karkay kesay pooray karain? | Money Tips | Season 1 | Episode 14

Apnay khuwab budgeting karkay kesay pooray karain? | Money Tips | Season 1 | Episode 14

Play

Cyber Security

Urdu/Hindi

https://youtu.be/CTftCcVbr5k

Apnay Financial Goal tak kesay pohanchain? | Money Tips | Season 1 | Episode 13

Apnay Financial Goal tak kesay pohanchain? | Money Tips | Season 1 | Episode 13

Play

Cyber Security

Urdu/Hindi

https://youtu.be/UieFkXRvbXY

Financial Goal kesay set karein? | Money Tips | Season 1 | Episode 12

Financial Goal kesay set karein? | Money Tips | Season 1 | Episode 12

Play

Cyber Security

Urdu/Hindi

https://youtu.be/17XPdRGXDOk

Paisay ghar bhejnay ki 3 tips | Money Tips | Season 1 | Episode 11

Paisay ghar bhejnay ki 3 tips | Money Tips | Season 1 | Episode 11

Play

Cyber Security

Urdu/Hindi

https://youtu.be/Axz3sniHDNw

Exchange Rate kesay decide kiya jata hai? | Money Tips | Season 1 | Episode 10

Exchange Rate kesay decide kiya jata hai? | Money Tips | Season 1 | Episode 10

Play

Cyber Security

Urdu/Hindi

https://youtu.be/-3NWWHaDeLA

Foreign Exchange ka kia matlab hai? | Money Tips | Season 1 | Episode 9

Foreign Exchange ka kia matlab hai? | Money Tips | Season 1 | Episode 9

Play

Cyber Security

Urdu/Hindi

https://youtu.be/8kPyIMIzIBo

Strong passwords kiya hotay hein? | Money Tips | Season 1 | Episode 8

Strong passwords kiya hotay hein? | Money Tips | Season 1 | Episode 8

Play

Cyber Security

Urdu/Hindi

https://youtu.be/4C__koSyysg

Apni personal information ko kese mehfooz rakhein? | Money Tips | Season 1 | Episode 7

Apni personal information ko kese mehfooz rakhein? | Money Tips | Season 1 | Episode 7

Play

Cyber Security

Urdu/Hindi

https://youtu.be/rxMH3hKkQ6w

Online scam se kese bachein? | Money Tips | Season 1| Episode 6

Online scam se kese bachein? | Money Tips | Season 1| Episode 6

Play

Cyber Security

Urdu/Hindi

https://youtu.be/FvwpR-9Qij0

Don’t Get Scammed on Video Calls! | Money Tips | Season 2 | Episode 4

Don’t Get Scammed on Video Calls! | Money Tips | Season 2 | Episode 4

Play

Cyber Security

English

https://www.youtube.com/shorts/x6ykJWzYNrw

That "Official" Call? It Might be a Scam! | Season 2 | Episode 3

That "Official" Call? It Might be a Scam! | Season 2 | Episode 3

Play

Cyber Security

English

https://www.youtube.com/shorts/S8mjoLWT-UM

How to recognize a fake call? | Money Tips | Season 1 | Episode 5

How to recognize a fake call? | Money Tips | Season 1 | Episode 5

Play

Cyber Security

English

https://youtu.be/QJFnER2TXjQ

What is online phishing? | Money Tips | Season 1 | Episode 4

What is online phishing? | Money Tips | Season 1 | Episode 4

Play

Cyber Security

English

https://youtu.be/u52LXGZ0EK4

How to recognize fake emails? | Money Tips | Season 1 | Episode 3

How to recognize fake emails? | Money Tips | Season 1 | Episode 3

Play

Cyber Security

English

https://youtu.be/cpD9XDkwEec

What are scam calls? | Money Tips | Season 1 | Episode 2

What are scam calls? | Money Tips | Season 1 | Episode 2

Play

Cyber Security

English

https://youtu.be/u0Ee30rcYFs

How do the hackers scam you? | Money Tips | Season 1 | Episode 1

How do the hackers scam you? | Money Tips | Season 1 | Episode 1

Play

Cyber Security

English

https://youtu.be/aFQCiIho_YU

Beware of Hackers & Phishers

Beware of Hackers & Phishers

Play

Cyber Security

English

https://youtu.be/D1JC9gp4XOU

आफ्नो myZoi अकाउन्ट सजिलै अपडेट गर्नुहोस्! | Money Tips | Season 2 | Episode 8

आफ्नो myZoi अकाउन्ट सजिलै अपडेट गर्नुहोस्! | Money Tips | Season 2 | Episode 8

Play

Digital Wallet

Nepali

https://www.youtube.com/shorts/8TV6fQTOigs

myZoi सँग निःशुल्क खाता विवरण र तुरुन्त सूचना! | Money Tips | Season 2 | Episode 2

myZoi सँग निःशुल्क खाता विवरण र तुरुन्त सूचना! | Money Tips | Season 2 | Episode 2

Play

Digital Wallet

Nepali

https://www.youtube.com/shorts/Fqcgcjjmwh8

आफ्ना अधिकार जान्नुहोस् | Money TIps | Season 2 | Episode 1

आफ्ना अधिकार जान्नुहोस् | Money TIps | Season 2 | Episode 1

Play

Digital Wallet

Nepali

https://www.youtube.com/shorts/3uV5GeJAg_0

Apna myZoi account easily update karo! | Money Tips | Season 2 | Episode 8

Apna myZoi account easily update karo! | Money Tips | Season 2 | Episode 8

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/vr2JqZaBgC8

Account statements aur alerts free haan myZoi ke sath! | Money Tips | Season 2 | Episode 2

Account statements aur alerts free haan myZoi ke sath! | Money Tips | Season 2 | Episode 2

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/9PHcefb5fQE

myZoi Digital Wallet kay 4 faaeday | Money Tips | Season 1 | Episode 17

myZoi Digital Wallet kay 4 faaeday | Money Tips | Season 1 | Episode 17

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/SGEr-Cvrmx0

myZoi Digital Wallet sey rakhain paisay mehfooz! | Money Tips | Season 1 | Episode 16

myZoi Digital Wallet sey rakhain paisay mehfooz! | Money Tips | Season 1 | Episode 16

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/EvgCDDCb95s

Cash ya myZoi Digital Wallet? | Money Tips | Season 1 | Episode 15

Cash ya myZoi Digital Wallet? | Money Tips | Season 1 | Episode 15

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/XXlnljeszQQ

Paisay ghar bhejnay ki 3 tips | Money Tips | Season 1 | Episode 11

Paisay ghar bhejnay ki 3 tips | Money Tips | Season 1 | Episode 11

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/Axz3sniHDNw

Exchange Rate kesay decide kiya jata hai? | Money Tips | Season 1 | Episode 10

Exchange Rate kesay decide kiya jata hai? | Money Tips | Season 1 | Episode 10

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/-3NWWHaDeLA

Foreign Exchange ka kia matlab hai? | Money Tips | Season 1 | Episode 9

Foreign Exchange ka kia matlab hai? | Money Tips | Season 1 | Episode 9

Play

Digital Wallet

Urdu/Hindi

https://youtu.be/8kPyIMIzIBo

How To Change Your myZoi Account Info | Money Tips | Season 2 | Episode 8

How To Change Your myZoi Account Info | Money Tips | Season 2 | Episode 8

Play

Digital Wallet

English

https://www.youtube.com/shorts/mO2YDK3OTOc

Free Account Statements & Alerts With myZoi | Money Tips | Season 2 | Episode 2

Free Account Statements & Alerts With myZoi | Money Tips | Season 2 | Episode 2

Play

Digital Wallet

English

https://www.youtube.com/shorts/hHDaBSiqQvM

Know Your Rights | Money Tips | Season 2 | Episode 1

Know Your Rights | Money Tips | Season 2 | Episode 1

Play

Digital Wallet

English

https://www.youtube.com/shorts/-QvHTZDInzU

स्मार्ट मानिसहरू किन बजेट बनाउँछन् | Money Tips | Season 2 | Episode 11

स्मार्ट मानिसहरू किन बजेट बनाउँछन् | Money Tips | Season 2 | Episode 11

Play

Budgeting

Nepali

https://www.youtube.com/shorts/mwpn4VBOsjg

उधार दिने तरिका | Money Tips | Season 2 | Episode 7

उधार दिने तरिका | Money Tips | Season 2 | Episode 7

Play

Budgeting

Nepali

https://www.youtube.com/shorts/uFNAjxlCwnA

बजेट बनाउनुहोस्, चिन्ता भुल्नुहोस्! | Money Tips | Season 2 | Episode 6

बजेट बनाउनुहोस्, चिन्ता भुल्नुहोस्! | Money Tips | Season 2 | Episode 6

Play

Budgeting

Nepali

https://www.youtube.com/shorts/K-AMm0uaBk8

३ स्टेपमा बजेटिङ्ग एक्सपर्ट बन्छौं! | Money Tips | Season 2 | Episode 5

३ स्टेपमा बजेटिङ्ग एक्सपर्ट बन्छौं! | Money Tips | Season 2 | Episode 5

Play

Budgeting

Nepali

https://www.youtube.com/shorts/Qy0GM7kQ6Ro

Smart log budget kyun banatey hain? | Season 2 | Episode 11

Smart log budget kyun banatey hain? | Season 2 | Episode 11

Play

Budgeting

Urdu/Hindi

https://www.youtube.com/shorts/huates8DRLU

Udhar dene ke tareeqe | Money Tips | Season 2 | Episode 7

Udhar dene ke tareeqe | Money Tips | Season 2 | Episode 7

Play

Budgeting

Urdu/Hindi

https://www.youtube.com/shorts/Q-6fPo1htA0

Budget banao, tension bhulao! | Money Tips | Season 2 | Episode 6

Budget banao, tension bhulao! | Money Tips | Season 2 | Episode 6

Play

Budgeting

Urdu/Hindi

https://youtu.be/0-WQVxC-FYQ

3 steps mein budgeting expert bano! | Money Tips | Season 2 | Episode 5

3 steps mein budgeting expert bano! | Money Tips | Season 2 | Episode 5

Play

Budgeting

Urdu/Hindi

https://youtu.be/vG3yJYL_D7o

Apnay khuwab budgeting karkay kesay pooray karain? | Money Tips | Season 1 | Episode 14

Apnay khuwab budgeting karkay kesay pooray karain? | Money Tips | Season 1 | Episode 14

Play

Budgeting

Urdu/Hindi

https://youtu.be/CTftCcVbr5k

Apnay Financial Goal tak kesay pohanchain? | Money Tips | Season 1 | Episode 13

Apnay Financial Goal tak kesay pohanchain? | Money Tips | Season 1 | Episode 13

Play

Budgeting

Urdu/Hindi

https://youtu.be/UieFkXRvbXY

Financial Goal kesay set karein? | Money Tips | Season 1 | Episode 12

Financial Goal kesay set karein? | Money Tips | Season 1 | Episode 12

Play

Budgeting

Urdu/Hindi

https://youtu.be/17XPdRGXDOk

Why Budgeting Is So Important | Money Tips | Season 2 | Episode 11

Why Budgeting Is So Important | Money Tips | Season 2 | Episode 11

Play

Budgeting

English

https://www.youtube.com/shorts/W6AVk3wUiYQ

Lending Money | Money Tips | Season 2 | Episode 7

Lending Money | Money Tips | Season 2 | Episode 7

Play

Budgeting

English

https://www.youtube.com/shorts/1qQNEmFqy2w

Budgeting Helps You Deal With Financial Emergencies Better | Money Tips | Season 2 | Episode 6

Budgeting Helps You Deal With Financial Emergencies Better | Money Tips | Season 2 | Episode 6

Play

Budgeting

English

https://www.youtube.com/shorts/JQsqOzJ0ZHM

Budgeting Isn't Difficult, Follow These Steps | Money Tips | Season 2 | Episode 5

Budgeting Isn't Difficult, Follow These Steps | Money Tips | Season 2 | Episode 5

Play

Budgeting

English

https://www.youtube.com/shorts/axRvKCHfSNU

छोरीको विवाहका लागि स्मार्ट बचत गर्नुहोस्! | Money Tips | Season 2 | Episode 10

छोरीको विवाहका लागि स्मार्ट बचत गर्नुहोस्! | Money Tips | Season 2 | Episode 10

Play

Saving

Nepali

https://www.youtube.com/shorts/vqOb48FrOAg

बचतको स्मार्ट फार्मुला | Money Tips | Season 2 | Episode 9

बचतको स्मार्ट फार्मुला | Money Tips | Season 2 | Episode 9

Play

Saving

Nepali

https://www.youtube.com/shorts/Ot-QTBQuW5Q

Beti ki shaadi ke liye smart saving karein! | Money Tips | Season 2 | Episode 10

Beti ki shaadi ke liye smart saving karein! | Money Tips | Season 2 | Episode 10

Play

Saving

Urdu/Hindi

https://youtu.be/H9EocjY9gCE

Bachat ka smart formula | Money Tips | Season 2 | Episode 9

Bachat ka smart formula | Money Tips | Season 2 | Episode 9

Play

Saving

Urdu/Hindi

https://youtu.be/XhJTP_YyT28

Paise Bachanay ki 4 Tips

Paise Bachanay ki 4 Tips

Play

Saving

English

https://youtu.be/eTYeUj7APUA

Smart Saving For Your Daughter's Wedding | Money Tips | Season 2 | Episode 10

Smart Saving For Your Daughter's Wedding | Money Tips | Season 2 | Episode 10

Play

Saving

English

https://www.youtube.com/shorts/S250opEKR4E

Smart Saving For Big Dreams | Money Tips | Season 2 | Episode 9

Smart Saving For Big Dreams | Money Tips | Season 2 | Episode 9

Play

Saving

English

https://www.youtube.com/shorts/qU6tjM6C6Vc

Save Money in 3 Easy Steps Landscape

Save Money in 3 Easy Steps Landscape

Play

Saving

English

https://youtu.be/5fhd-FdqCog

Before you buy, ask 5 simple questions

Before you buy, ask 5 simple questions

Play

Saving

English

https://youtu.be/zm_Lky3geCw

Saving money, a superpower

Saving money, a superpower

Play

Saving

English

https://youtu.be/aKY5gtzUC70

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FAQs