Zitouna Payment review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zitouna Payment is a fee-light, app-only everyday account for anyone who banks in Tunisia, and the monthly fee is TND 0. It suits travellers and students who want a simple balance for daily spending, and it will not suit readers who need several currencies or a euro account.
Key facts
- Best for
- Tunisian travellers and students who want no monthly charge.
- Monthly fee
- TND 0↗
- Currencies
- 1↗
- Transfer fee
- Small fee on transfers and bill payments↗
- Legal entity
- Zitouna Payment↗
- Headquarters
- Tunisia↗
- Founded
- 2021↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Travelers, Students
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- zitounapayment.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
Pros and cons
Pros
- Monthly fee of TND 0, in line with the €0 site median, so the account costs nothing to keep.
- Supervised by the Central Bank of Tunisia, the regulator named for this market.
- Aimed at travellers and students, travelers and student, so the product is built around that kind of use.
Cons
- Currency cover is 1, well under the 9 median for everyday accounts.
- A small fee sits on every transfer and bill payment, which adds up for people who move money often.
- Support is limited to email, phone and help centre, a narrow set of routes for a digital account.
Ready to try Zitouna Payment?
Scored 8.3 / 10 by VaultCue.
Who it suits
- Travellers and students in the Tunisian market who want an everyday account with a monthly fee of TND 0.
- People who bank from a phone, since the service is digital only, and who are happy with a single currency.
Who should look elsewhere
- bunq, whose monthly fee is €0 in euro, for readers who want their balance in euro.
- Pixpay FR, which charges €3.99 a month, for readers who prefer a paid account.
- bunq Spain Bank Account, at a monthly fee of €0, for anyone looking for a euro account instead of this market.
Fees and FX
The monthly fee is TND 0, so keeping the account costs nothing, and that is the headline number. Spending directly from the balance is free of charge, while transfers and bill payments carry a small fee. In practice the cost sits on moving money rather than on holding the account open, which suits people who mostly pay and receive in the same market.
The company behind it
Zitouna Payment is the legal entity behind the account, and it is based in Tunisia, where the Central Bank of Tunisia acts as the named regulator. The business was founded in 2021, so it is a recent operation rather than a long standing retail bank. Support runs through email, phone and help centre, so help is available by phone, by email and through an online help centre.
How Zitouna Payment compares
8.3 vs 8.7
8.3 vs 8.6
8.3 vs 8.0
8.3 vs 8.9
8.3 vs 9.1
8.3 vs 9.2
8.3 vs 8.7A monthly fee of €0 in euro, an option for readers who want a euro account.
8.3 vs 8.7
8.3 vs 8.7A monthly fee of €3.99, which suits readers who expect to pay for the account.
8.3 vs 9.0
8.3 vs 8.7
8.3 vs 9.5
8.3 vs 9.4
8.3 vs 9.3
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.1
8.3 vs 9.0
8.3 vs 9.0
8.3 vs 8.9
8.3 vs 8.9- 8.3 vs 8.9
8.3 vs 8.7
8.3 vs 8.5
8.3 vs 8.5
8.3 vs 8.5
8.3 vs 8.4
8.3 vs 8.3
8.3 vs 8.2
8.3 vs 8.1- 8.3 vs 8.1
8.3 vs 8.0
8.3 vs 8.0
8.3 vs 8.0
8.3 vs 9.1
Where Zitouna Payment is available
- Available
- Tunisia
- Licence in Tunisia
- Central Bank of Tunisia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee on a Zitouna Payment account?+
No. The monthly fee is TND 0, and the account runs on a no-monthly-fee model, so holding it costs nothing each month. For comparison, the median monthly fee across the accounts tracked here is €0. Your costs appear when you move money rather than when you keep the balance.
What does it cost to send money or pay a bill?+
Transfers and bill payments carry a small fee, so those are the parts of the account that cost you. Holding the balance comes under the monthly fee of TND 0, so everyday spending is the free part. Budget for a charge each time you move money or settle a bill.
Who runs Zitouna Payment?+
The legal entity behind the account is Zitouna Payment, based in Tunisia and overseen by the Central Bank of Tunisia. It was founded in 2021, so it is a recent operation rather than a long standing retail bank, and the account runs as a single market product with currency cover of 1.
How many currencies can I hold?+
Currency cover is 1, so the account keeps you in a single market rather than a multi-currency wallet. For context, the median across the everyday accounts tracked here is 9, and the site as a whole sits at 5. There is less to think about if you keep spending in the same market.
Can I use a branch, or is the account app only?+
The service is digital only, so the account is run digitally and the everyday tasks sit in the app. That suits readers who are used to managing money on a phone, and it keeps branch counters out of the picture. Contact is still available through email, phone and help centre if a question comes up.
Who is Zitouna Payment built for?+
The account is aimed at travellers and students, travelers and student, and it is sold as a simple everyday product in the Tunisian market. That focus explains both the free monthly fee of TND 0 and the narrow currency cover of 1. Readers who need savings accounts or a euro balance should look elsewhere.
How do I get help from Zitouna Payment?+
Support runs through email, phone and help centre, so a phone call, an email or the online help centre are the routes available. Across the accounts tracked here, phone support is common, at 79.7% of the everyday accounts group. Budget for a phone call being the quickest channel if your balance is locked.
Sources
- zitounapayment.com/en checked September 26, 2026
Backs: Headquarters
- zitounapayment.com/en/faq-en/you-are-a-customer checked September 26, 2026
Backs: Pricing model, Monthly fee, Transfer fee
“No, opening an IZI payment account is free and there is no service fee to maintain your account.”
- zitounapayment.com/en/presentation-of-zitouna-payment checked September 26, 2026
Backs: Audience, Currencies, Features, Founded, Legal entity, Support channels, Licences
“Zitouna Payment is part of the national strategy of financial inclusion and decashing, allowing all Tunisians to perform Cash-In and Cash-Out operations.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.