How do I request a debit card?

After you finish creating your YAP mobile banking account, a prompt will appear to arrange the delivery for your free YAP card in-app. You should receive your card within one to two business days. Your YAP card will deliver to the address you provided us while setting up your account.

How do I activate my YAP card?

Once you receive your card, log in to your YAP online digital banking account to activate it – we will send you an SMS notifying you that your PIN is ready to be set. Log in and enter a 4-digit PIN. After your PIN is confirmed, your card will be fully activated and ready to use! If you encounter a problem trying to activate your card, please reach out to our customer support team to further assist you.

What benefits do I get with my YAP card?

Lots! Here are a few:

• Your YAP card is a free-for-life physical card that is conveniently delivered straight to your doorstep.
• Your YAP card is a Mastercard – you can use it anywhere in the world!
• Choose from exclusive designs – from metallic hues to a chic metal card – all packed with exclusive features and benefits.
• You will never have to ring in a call center for things you can do using the app, like freezing your YAP card or setting limits on where you use it – open your YAP mobile banking app and take total control.

Learn more about YAP cards.

Is my YAP card a credit card?

No, your YAP card is not a credit card. You can use it as a debit or prepaid card – this means that when you make a transaction, the amount gets deducted directly from your account balance.

Find out more about transactions with YAP

Are YAP cards contactless?

Yes. Contactless is a payment method that lets you make everyday purchases without having to hand your card over to the cashier and sign a charge slip. Tap your YAP contactless-enabled card in front of a secured card reader, and your purchase is complete!

Can I have more than one YAP card?

Yes, you can. However, only one mobile number can link to a single YAP online digital banking account. You can always order additional virtual cards for your account and make secure online purchases for all your needs.

My YAP card shows that it is issued from RAKBANK. I thought my card is from YAP?

Your card is issued by and provided by RAKBANK who is the Central Bank regulated sponsor for YAP cards. YAP works as a financial technology company and takes care of the customer journey and services in-app.

What should I do if my YAP card is damaged or stolen?

If you have any reason to suspect that your YAP card is lost or stolen, you should immediately report your card as lost, stolen or damaged within the app. If the card remains lost or stolen, you can request a new card via your YAP online digital banking account. Until you receive your new card, we recommend freezing your card with our freeze card feature in-app to keep your account and money safe.

If your card gets swallowed by an ATM, don’t panic. Immediately block and reorder your card. When you request a new card, your existing card will be blocked and destroyed. You will then receive a replacement card within 1 to 2 business days. Once you receive the new card and activate it in-app, you can YAP again! Please note, your original card number will change when you replace a card.

Learn more about YAP features

Can I use my YAP card while travelling?

Yes. Your YAP card is a fully functioning card and can be used at any merchant (online & offline) or at any point of sales where Mastercard is accepted. You can also take advantage of our multi-currency feature when travelling abroad with a YAP card, offering you the best exchange rates and payments in the local currency and ATM withdrawals.

How do I request a card replacement?

You can reorder a card through the app under the cards section. You should receive your replacement card within 1 to 2 business days. Once you receive your new card and activate it through the app, it is ready to use. Please note, your original card number will change when you replace a card.