Comparison

yap! vs ADCB | Nomo UAE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

yap!

This app enables secure and convenient QR code payments at over 100,000 merchants across Indonesia. Link your debit, credit, or UnikQu accounts for seamless daily transactions, eliminating the need for cash.

Highlights
  • QR code payments
  • Connect debit/credit cards
  • Secure transactions
  • Wide merchant network
  • Convenient daily use
Read full description

yap! uses QR code to buy or pay easily and safely, with more than 100,000 merchants ready to serve you all over Indonesia. yap! allows you to connect and use your debit account, credit card, and UnikQu, which will bring convenience to your daily life. Leave your cash, just use yap! You can yap! at: - Retail stores - Cafes and restaurants - E-Commerce sites - Gas stations - Taxis - and many more yap! The first and only commercial QR payment in Indonesia.

About

ADCB | Nomo UAE

Access a UK digital bank account with multi-currency spending, international transfers, and savings options. Invest in UK property with tailored finance solutions. Manage your finances globally with a Sharia-compliant digital banking app.

Highlights
  • Fee-free multi-currency spending
  • Easy international transfers
  • UK-based savings accounts
  • UK property investment finance
  • Digital account opening
  • Sharia-compliant banking
Features
Read full description

Think global, bank local, with a UK digital bank account from Nomo, in partnership with ADCB. Nomo by Bank of London and The Middle East plc (“BLME”) is a trading name of BLME. Bank of London and The Middle East plc DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”) as a Category 4 Authorised Firm. The registered office is Office 2904, Level 29, Al Fattan Currency House, Dubai International Financial Centre, Dubai, UAE, PO Box 506557 is DFSA Firm Reference Number F0003552. When you join Nomo, you’ll have access to fee-free multi-currency spending, easy international transfers, UK-based savings accounts, and exciting property investment opportunities. Apply for an account digitally from your smartphone. Kindly note that the Nomo Bank account is provided by Bank of London and The Middle East (BLME) rather than ADCB. SPEND Pay like a local with your debit card or Apple Pay in six currencies – GBP, USD, EUR, KWD, AED, SAR – and avoid international card fees when you’re travelling abroad. SEND Send money abroad in multiple currencies from the app. GBP transfers to UK personal and business bank accounts are fee-free, and transfers in other currencies have low, flat fees. SAVE Diversify your income and earn multi-currency profits with GBP, USD and EUR Fixed Term Deposits. PROPERTY FINANCE Receive finance to buy a UK property, either as an investment or as a home for your family. Joint and sole applications and available, as well as refinance for existing UK property owners.* Security with Nomo Ensuring your money and data are safe is a top priority for us. Nomo is part of Boubyan Bank and a trading name of BLME (Bank of London and The Middle East plc), which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Nomo deposits via BLME of up to £85,000 are therefore protected by the FSCS (Financial Services Compensation Scheme). Please refer to the FSCS website for further information at www.fscs.org.uk. Why ADCB | Nomo? We believe that your international, fast-paced lifestyle should be matched with instant access to amazing banking products wherever you are in the world. Nomo’s seamless banking tools allow you to live locally and think globally. Wherever our clients go, they take their financial freedom with them thanks to our Sharia-compliant digital banking app. We’re working hard to bring digital excellence to the world of Islamic banking, through cutting-edge technology that lets customers manage their money on their terms. It takes just minutes to open a Nomo account, so download the app and begin your journey now! *Properties in England and Wales only. Your property may be at risk if you do not keep up the payments on your Nomo Property Finance

Screenshots

yap!3 screens
ADCB | Nomo UAE4 screens

Verdict

The call

The clearest difference is update cadence: ADCB | Nomo UAE at fortnightly against yap!'s every 2 months. ADCB | Nomo UAE also leads on rating (4.7 vs 4.5) and ratings volume (111 vs 8). yap!'s advantage is iOS requirement (10.0 vs 18.0). On price, review sentiment, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ADCB | Nomo UAE holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: ADCB | Nomo UAE has 111 ratings behind it against 8, so its average is the more settled of the two. Written reviews split almost evenly too, at 50% and 50% positive.

UpkeepUpdate frequency

yap! ships an update every 2 months, ADCB | Nomo UAE fortnightly. The most recent releases landed on November 2, 2026 and November 4, 2026 respectively.

Scorecard4 real differences · 6 level
yap! versus ADCB | Nomo UAE: the parameters behind the verdict, then further details
Parameteryap!ADCB | Nomo UAE
PriceFreeFree
Rating4.5 (8 ratings)4.7 (111 ratings) — better
Positive reviews50.0% of reviews50.0% of reviews
Number of ratings8111 — better
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS10.0 — better18.0
Further details — not scored
Size57 MB171 MB
Age rating17+4+
DeveloperPT. BANK NEGARA INDONESIA (PERSERO) TBK.BLME

Customer experience

yap!

All ratings8 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

ADCB | Nomo UAE

All ratings111 ratings
Positive92.8%
Neutral1.8%
Negative5.4%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

yap!

No in-app purchases

None

ADCB | Nomo UAE

No in-app purchases

Questions

Is yap! free?
yap! is free to download, with no in-app purchases.
Is ADCB | Nomo UAE free?
ADCB | Nomo UAE is free to download, with no in-app purchases.
Which has better reviews, yap! or ADCB | Nomo UAE?
ADCB | Nomo UAE is rated higher. yap! averages 4.5 out of 5 from 8 ratings, while ADCB | Nomo UAE averages 4.7 from 111 ratings.
Do yap! or ADCB | Nomo UAE have ads?
Neither yap! nor ADCB | Nomo UAE shows ads.
Which is updated more often, yap! or ADCB | Nomo UAE?
yap! ships an update every 2 months, and ADCB | Nomo UAE fortnightly. Most recently, yap! was updated on November 2, 2026 and ADCB | Nomo UAE on November 4, 2026.

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