Transfers and Payments

You can make a local transfer within the UAE or international transfers through the app. Click on the main button at the bottom of your app dashboard, where you will find options to transfer within and outside the YAP network.

Yes, you will need to select a purpose of payment when performing a funds transfer.

Local transfers can be done and received throughout the day. Cut-off times and public holidays do not apply if the amount is less than AED10,000 and if the receiving bank enables immediate payment instructions. All transfers are in AED.

You can add and pay all your bills with our bill pay feature! Press ‘YAP it’ on your dashboard, then select ‘pay bills’. From there, you can add, manage, analyze, or pay all your bills at once. Learn how to pay your bills via YAP with our tutorial, here!

Not yet, but hang tight for updates on all our new features. We will keep you posted about all releases on our website and socials.

YAP to YAP transfers are transfers carried out between friends who also use YAP. Click on the YAP 2 YAP transfer button found at the bottom of your app dashboard and select a YAP contact to send or receive money instantly. The maximum amount that you can transfer at one time is AED 10,000. You can do multiple transfers throughout the day.

To receive money into your YAP digital banking account, you need to provide the sender with your account details. You can find this in the More section of the app under YAP account details.

You can find your IBAN and account number under the menu button at the top right of your dashboard and in the more section of your app.

A beneficiary is a contact you set up in your app so you can send money transfers. You can set up a beneficiary by clicking on the main YAP button on your app dashboard and then clicking on the + sign at the top right of the Send Money screen.

There are a few reasons why you may have received a lesser amount in your account. There may be charges applied by the beneficiary bank and their corresponding banks. YAP will also charge a small fee for incoming foreign currency paid in AED. For a list of our fees, please refer to the fee section in the app.