YAP – Your Digital Banking App

4.84K reviews
Content rating
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About this app

Welcome to a new world of digital banking. Say hello to YAP. Take 30 seconds to sign up and receive a digital banking account – No hidden fees, no minimum balance, minimum salary or paperwork.

Take total control of your money with spending analytics, virtual cards, money-management tools and your very own Mastercard debit card. Receive access to multi-currency, bill splitting, local & international transfers, QR payments and bill payments. Upgrade your plan, choose between customized card designs and get access to a world of exclusive perks and benefits.

Experience outstanding digital banking features such as card controls, detailed spending analytics, instant fee-free transfers to friends and family through YAP 2 YAP, and a unique QR code to scan and send money seamlessly.

Allow yourself to breathe and manage money more easily. YAP has built-in security measures to help ensure that your money is safe and protected at all times.

Have a question? Our dedicated customer service team is always ready to handle your queries via social media, WhatsApp, or our live chat feature.


We believe your money should be accessible 24/7 – anytime, anywhere. YAP is the perfect all-in-one digital banking app that features insightful spending analytics, consolidated bill payments, card controls for usage and restrictions, instant bill splitting and multi-channel top-ups.


With YAP you can send money locally, internationally, or use YAP 2 YAP to send instant money transfers to friends within your YAP network.

We offer competitive exchange and transfer rates to make sending money internationally effortless. YAP's remittance program allows you to send money at lower rates using one of the largest networks of corridors within the UAE.


YAP offers a safe and secure digital banking experience. Have total control in how you choose to spend and decide between using a physical card or one of your multiple virtual cards to shop securely online and avoid fraud. Pick and choose where you allow your card to be spent and never worry about a lost card again with our freeze card feature.


Go completely cashless and enjoy a multi-currency card made for easy exchanges and spending in local currencies worldwide using the same IBAN account and card.
Updated on
May 30, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 6 others
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

4.81K reviews
musab asrat
May 23, 2023
This app and the card is the most useless card because I have money in my account but for some reason I can't access the money either online or in store at anyplace and when I ask the problem to the YAP customer service, they tell me everything is fine and the is no problem with the account or MASTERCARD. This experience has been very overwhelming and don't fall for the same thing again, I am sure I won't.
2 people found this review helpful
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Bojan Pajkovski
May 12, 2023
When I met you guys, back on Feb 7, I was introduced to your system, and I signed up. 3 months later, I am still number 30603 in the queue, and haven't moved at all. So either you have serious bugs in your app, or you have reached your limits in performance and don't know how to solve them oooor... Either way, no point of me having something for 3 months if I cannot use it
3 people found this review helpful
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May 12, 2023
Hello Bojan, we seem to be in demand at the moment, so we’ve placed every new sign up in a queue! We appreciate your patience as we try to speed things up. Do make sure you have all the required documents to set up a YAP account and that you meet our onboarding conditions. We aim to get you a YAP account very soon.
Ahmad Abdul Rauf
April 12, 2023
What an annoying KYC experience! There's no indication of how long the process is going to be, I had to do something quick in the app, but I got lost in the KYC. It is so long! Also, the file uploader is so dumb. It doesn't support any format other than photos AND it doesn't support multiple files. You're asking for last 30 days bank statement, how am I supposed to put all that in a single image!! So stupid and waste of time. Also, it times out! ATLEAST GIVE ME ENOUGH TIME TO COLLECT EVERYTHING!
18 people found this review helpful
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April 14, 2023
Hello. Let us help you. Please get in touch with us through our support channels so we can understand more. We’ll then look into your concerns and ensure they are dealt with properly. Thanks so much!

What's new

Better user experience and improved performance