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.
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.
- Download YAP
- Create your account in less than 30 seconds
- RAKBANK issues you an IBAN
- We deliver your YAP card
- Start using YAP
Share the love!
Invite your friends to join the party with YAP. After all, the more the merrier 🙂