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YAP is a financial technology company, not a Bank. Banking services are provided by RAKBANK. Your IBAN and all Transactions on your IBAN are managed by RAKBANK.

YAP is a financial technology company, not a Bank. Banking services are provided by RAKBANK. Your IBAN and all Transactions on your IBAN are managed by RAKBANK.

Intelligent digital banking in the palm of your hands.

Take total control of your finances with YAP’s powerful and innovative digital banking tools – helping you manage your money smarter and easier.

YAP is a financial technology company, not a Bank. Banking services are provided by RAKBANK. Your IBAN and all transactions on your IBAN are managed by RAKBANK.

Start using Apple Pay
with YAP

YAP is an innovative digital banking app providing you intelligent tools that give you total control of your finances. Think spending analytics, virtual cards, card-controls, security and much more. Download YAP and welcome a new world of financial empowerment today.

Secure

YAP gives you an IBAN issued from RAKBANK and a MasterCard debit card – meaning your money is safe and secure at all times.

Easy

Sign up in seconds. A mobile number and smartphone are all you need to start using YAP.

Transparent

YAP makes digital banking crystal clear. Enjoy no hidden fees, and no unfair markups.

Empowering

We designed YAP to be user-centered, giving you the power to customize your profile. Personalize your experience and take control.

UAE's most innovative digital banking app that encourages healthy spending habits.

Granular Analytics

Get a deeper look into all your spending’s broken down by category and merchant. Budgeting just got easier

Intuitive Card Controls

Instantly freeze your card, or set limits on where you can use it, with a touch of a button.

Bill Payments Simplified

View all your bills in one place. Whether it's monthly utilities or splitting bills with friends. YAP has you covered.

Real-time Spend Notifications

Receive instant in-app notifications every time you use YAP - down to the location and time.

How it works

In four easy steps, YAP makes sure you get the best experience from start to finish.

Share the love!

Invite your friends to join the party with YAP. After all, the more the merrier 🙂