How can we help you today?

  • How do I get an online digital banking account with YAP?

    If you are a new user:

    • Download YAP (available on iOS and Android).
    • Launch the app.
    • Once you get to the welcome screen, create your account in a few easy steps. Remember to keep your CNIC on hand!
    • You are in – welcome to YAP.

  • Is YAP free?

    YAP is free to download and use. You do not require a minimum salary or must maintain a minimum balance to create an account or begin using YAP. Future card plans will allow you to upgrade to a paid YAP digital banking account or pay for selected packages on the go for more features. While YAP is free, certain transactions or transfers may come with banking fees. You can see a list of these fees under the more section in the app or our website.

  • Can I have more than one type of account?

    At the moment, YAP only offers personal current digital banking accounts and debit cards.

  • What do I need to open a personal digital banking account?

    To open a YAP personal account, you must have the following:

    • An active Pakistani mobile number
    • An email ID
    • Valid CNIC

  • Am I required to keep a minimum balance in my account?

    Nope! No minimum balance is required to maintain your YAP digital banking account.

  • Is it possible for my account to go into a negative balance?

    You cannot overdraw your YAP digital banking account. YAP is a current account and uses only the money you have added to your account.

  • Can I rename my account on the app?

    You can not rename your digital banking account, but you can rename your virtual cards in the app. YAP also lets you choose the name you would like displayed on your main debit card when you sign up. However, if you wish to change the name of your card at a later date, you can do so from the app and reorder a new card. Charges may apply.

  • Will I earn interest on my YAP account?

    You do not earn interest on your YAP digital banking account.

  • Do I need to transfer my salary to my YAP account?

    You do not have to transfer your salary to YAP, but you can. The process is simple – provide your bank account details to your organization like you would do with any other bank account.