Banking Built for
Small to Medium Enterprises
Everything a growing business needs to collect, pay, and manage money, delivered digitally with fast onboarding and simple pricing.
A complete toolkit for growing businesses
Practical banking, payments and digital asset services that help SMEs run daily operations and expand with confidence.
Multi-Currency Bank Accounts
Hold, receive, and pay in major currencies from a single account view, with no minimum balance on entry plans.
Merchant & Acquiring Solutions
Accept card and digital payments in store and online with ZandPay POS, fast settlement, and clear reporting.
Cash & Payroll Management Services
Smart deposit machines, cheque and cash collection, and WPS-compliant salary transfers that are simple to run.
Treasury Solutions
Manage FX, liquidity, and fixed deposits with treasury support sized for smaller balance sheets.
Digital Asset Custody
Access professional custody services for business-held digital assets without building in-house custody infrastructure.
ZandMint
Easily convert between fiat and stablecoins to support business payments, international suppliers, and digital commerce activities.
Global Payments
Pay international suppliers and receive funds worldwide with competitive pricing and reliable processing.
Commercial Escrow
Protect high-value deals with regulated escrow structures and transparent fund release controls.
AEDZ Stablecoin
Accept, hold, or transact in AEDZ to support digital payments while maintaining exposure to a stable AED-denominated asset.
Why SMEs bank with Zand
Instant AI onboarding
A fully digital application that lets eligible businesses open and activate an account in minutes.
Simple, transparent pricing
Clear plans with no hidden charges, zero account opening fees, and published schedules of charges.
Fiat and digital assets together
One relationship covering everyday banking plus regulated digital asset custody and stablecoin services.
Support when you need it
Responsive business support teams and self-service tools built for lean finance functions.
Let's talk about your business banking needs
Our business banking team will get back to you to discuss the right setup for your company.