# YAP – Your Digital Banking App — Digital Banking Made Smarter > Digital banking account with spending analytics, virtual cards, and easy money transfers. (iPhone/iPad app by Y A P Payment Services Provider LLC.) - Source: https://appshunter.io/ios/app/yap-your-digital-banking-app/id1498302242 (this page in markdown: same URL + `.md`) - Developer: [Y A P Payment Services Provider LLC](https://appshunter.io/developer/1498302241) - Category: Finance, Lifestyle - Price: Free - Rating: 2.76/5 from 66 App Store ratings · 47 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 314 MB - Languages: English - Released: 2020-12-09 - Data updated: 2026-06-10 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/yap-your-digital-banking-app/id1498302242/reviews.md ## What is YAP? 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. MORE THAN JUST A DIGITAL BANKING ACCOUNT 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. SEND MONEY EFFORTLESSLY 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. SAFE AND SECURE DIGITAL BANKING 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. MULTI-CURRENCY TO MAKE TRAVELLING EASIER 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. ## Key features - Digital banking account signup - Spending analytics - Virtual and physical Mastercard debit card - Multi-currency support - Bill splitting and payments - Local and international transfers - QR code payments ## Recent user reviews (10 of 47) All indexed reviews: https://appshunter.io/ios/app/yap-your-digital-banking-app/id1498302242/reviews.md ### 1/5 — Yap is a SCAM beware! They steal your money *2024-01-09* My account has been locked for 6+ months and Yap has stolen my money. I email them practically every week and my emails are ignored and not replied to. It’s nearly impossible to get through to someone on the phone. The couple of times I got through to a person they ask me to resend KYC documents which I have sent multiple times with everything they asked for. My last call in December they told me they’re closing my account and sent me a closure form to receive my funds, the closure form says they will liquidate my funds - I do authorise Yap to liquidate my funds!! If I do not receive a response to this review then I will be reporting to the police and regulators for fraud along with all the proof of my ignored correspondence. ### 1/5 — Won’t create account *2023-11-23* I tried to create an account a few days ago and apparently I am 59,295th in line. This position hasn’t changed since i signed up. Very disappointing. ### 1/5 — Where is my money??? *2023-06-27* Why can I not open my account? Always says error occurred, why???? I've been calling the costumer service but no kne cares to call back even though they gave you that option! They will make you hold the line forever!!! Unacceptable! **Developer response:** Hello, thank you for messaging us, let’s get this sorted for you asap. We need a few details to do this, so please email us at heretohelp.uae@yap.com with your name and registered phone number. Once this is done, Customer Support will contact you within 24 hours. ### 1/5 — Can I deposit cheques *2023-04-04* Can I deposit cheques ### 1/5 — Waste of time *2023-03-14* Worse banking account ever! Whoever signed up last year were lucky enough because now it will keep you in a queue for ages and the number doesnt change at all! When you contact them they say its due to high number of requests, thought i will wait but its been 2 months and still nothing. **Developer response:** Hello Hnyyybbbb. 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. Please make sure we have everything we need to set up your YAP. We aim to get you a YAP account very soon. ### 5/5 — My Account *2023-03-12* My application is not able to open since two days now it keep on freezing all the time **Developer response:** Hey there! We've updated the app to fix this. Please let us know if you need anymore help! ### 1/5 — Waste of time *2023-01-24, version 1.7.17* It’s been almost 3 months and my account hasn’t been activated. Every time I talk to customer service they say, “ Due to the large number of applications, we have received, your account activation will take longer than usual, but rest assured that we will do everything possible to get your account fully activated.” Same automated text they repeat every time. If I can’t use the account or debit card then what’s the point? I read reviews before downloading the app for the first time and people were saying their account still isn’t activated. Should’ve read more reviews and not opened an account. **Developer response:** Hello, we apologise for the inconvenience this has caused you. Please email us at heretohelp.uae@yap.com with your name and registered phone number, so we can arrange a member of our team to assist you within 24 hours. ### 1/5 — Doesn’t work *2023-01-19* Literally I was about ti open an account and at the first step when is ask me for phone number only let me input Arab Emirates phone number. Sorry but why is this app then in my store? **Developer response:** Hello, thank you for your interest in YAP. Currently, we are live in UAE. Follow on our social media platforms for further updates. ### 5/5 — Best digital banking *2023-01-10, version 1.7.16* I’m using since one year **Developer response:** Thank you! We’re so happy you’re enjoying our app. ### 1/5 — Wasted time *2022-10-22, version 1.7.12* For almost two months they could not review my documents. The KYC form that they send in Microsoft Word format is generally some kind of separate nonsense, the first time I encounter this - it feels like this is an organization from the basements, and not a digital bank. I tried to get through to them from different ends - support, facebook - to no avail. Nobody can do anything. In other words, this entire bank is one of the clearest manifestations of gouging, slowness and indifference. Their debit card, which for some reason they send before verifying you as a client, goes to the trash, where it belongs. **Developer response:** 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! ## Frequently asked questions about YAP ### What is YAP? YAP is a digital banking app that provides a streamlined way to manage your money. It offers a digital banking account with no hidden fees, minimum balance, or salary requirements. You can control your spending, use virtual cards, and make local and international transfers easily. ### What are the key features of YAP? Key features include spending analytics, virtual cards, a Mastercard debit card, multi-currency support, bill splitting, local and international transfers, and QR code payments. You can also upgrade your plan for exclusive perks and benefits. ### Is YAP free to use? The app offers a free digital banking account with core features. There are options to upgrade your plan for additional benefits and customized card designs, suggesting a freemium model where basic services are free and advanced features may have associated costs. ### How does YAP ensure security? YAP incorporates built-in security measures to protect your money. You have control over your card usage, can choose between physical or virtual cards for secure online shopping, and can freeze your card if lost. This provides a safe and secure digital banking experience. ### Can I use YAP for international money transfers? Yes, YAP facilitates effortless local and international money transfers. It offers competitive exchange and transfer rates, and its remittance program allows for sending money at lower rates within the UAE using one of the largest networks of corridors. ## Version history (last 5 releases) ### 1.7.29 — 2024-05-28 Bug fixes ### 1.7.28 — 2023-09-06 Card scanning issue fixed ### 1.7.27 — 2023-06-23 Bug fixes and improvements ### 1.7.26 — 2023-05-30 Bug fixes and improvements ### 1.7.24 — 2023-05-18 Bug fixes and improvements ## Apps similar to YAP | App | Rating | Price | Category | | --- | --- | --- | --- | | [Al Hilal Mobile Banking App](https://appshunter.io/ios/app/al-hilal-mobile-banking-app/id536079278) | 4.5 (1,084) | Free | Finance | | [ADIB Mobile Banking](https://appshunter.io/ios/app/adib-mobile-banking/id1128180440) | 4.7 (21,327) | Free | Finance | | [BitOasis: Buy Bitcoin & Crypto](https://appshunter.io/ios/app/bitoasis-buy-bitcoin-and-crypto/id1521661794) | 4.5 (529) | Free | Finance | | [DIB alt mobile banking app](https://appshunter.io/ios/app/dib-alt-mobile-banking-app/id739758144) | 4.3 (773) | Free | Finance | | [ADCB](https://appshunter.io/ios/app/adcb/id547172388) | 4.7 (4,889) | Free | Finance | | [EI Bank](https://appshunter.io/ios/app/ei-bank/id516976912) | 4.4 (4,150) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*