Provider profile
Zoi
Raqma's read on Zoi
Raqma's read on ZoiSummarised from catalogue fields — not a paid placement.
- Products tracked
- 1 across 1 category (Payroll & WPS)
- Licence status
- UAE Central Bank — licensed
- Public rating
- Apple App Store (AE): 3.3/5 · 53 reviews — snapshot 2026-10-23 (source)
- Last reviewed
In short: Zoi has a focused offer in the UAE payroll & wps space. Licensing on record: UAE Central Bank — licensed.
Is Zoi right for you?
Fit read from catalogue fields — not a recommendation, confirm terms with the provider.
- UAE SMEs
- Partial fit 1 product tracked across 1 category
- E-commerce merchants
- Limited No payment-gateway products tracked
- Free-zone companies
- Partial fit Free-zone acceptance not yet verified
- Import-export businesses
- Limited No cross-border products tracked
- Startups needing corporate banking
- Partial fit Approval details not yet verified
Licensing
- UAE Central Bank — licensed — myZoi states it is licensed and regulated by the Central Bank of the UAE. — register checked 2026-10-23
Verified answers
Who is Zoi payroll built for?
Zoi targets payroll and financial inclusion for low-income and migrant workers in the UAE — employers run payroll into Zoi accounts and workers get app-based money management and remittances.
Source: myzoi.com · verified
Why does Zoi focus on remittance cost?
Its published analysis notes UAE remittances totalled $38.5B in 2023 and that workers earning AED 1,500–2,500 lose 2–4% of monthly wages to typical ~5–6% remittance costs — the pitch is employer-integrated payroll that cuts that friction.
Source: myzoi.com · verified
Zoi products
Frequently asked questions
Is Zoi licensed in the UAE?
Yes — our catalogue records Zoi as holding UAE Central Bank — licensed. Always confirm the current licence scope on the regulator’s register before applying.
What Zoi products can I compare here?
We track 1 Zoi product: Zoi. Each entry shows the published fees, requirements and approval details.
How do I apply for Zoi?
Raqma is a comparison service — we do not process applications. Review the products on this page, then continue to Zoi’s own onboarding through the outbound links.