iPhone Screenshots


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.

What’s New

Version 1.4.1

Better user experience and improved performance

Ratings and Reviews

3.3 out of 5
21 Ratings

21 Ratings

mr3aziz ,

4 Day review

Its been 4 days since I’ve been using YAP. Easily the top neobank in its category. I applied for a card mid last week and had someone deliver my package 3 days later. What I really like on here is the ability to create multiple virtual cards that really help control unnecessary spend. Aside from that, its just simple and straightforward unlike other banking apps that take away hours just trying to figure out how and where to navigate.

Developer Response ,

Thank you so much for the nice review! We're glad to hear you're enjoying your account and making use of our virtual cards feature 🥰

KaterinaCat01 ,

Amazing Banking App

I started using YAP and I am absolutely amazed! It’s so easy to add your fees and do all your transactions without the need to enter a physical Bank.

MAR Rafi ,

I rejected my card

Very disappointed the driver that called me 20 times asking for location map was also trying to get me to sign a form that if any losses or liability occurs due to the app that Yap and Rak bank have no responsibility, I get your a startup but that doesn’t make me feel comfortable and I rejected the card, Shocking to be honest !

Developer Response ,

Hey Rafi 👋 We're sorry our delivery partner called you many times to find your location. We'd like to look see what happened here. If you could message us on social media, or support team using the in-app live chat, we can look into your case. As for the consent form, our partner bank requires this to be signed so you can get started.

App Privacy

The developer, YAP Holdings, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Contact Info
  • Contacts
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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