About YAP

One app for all your digital banking needs. From payments and money transfers to secure virtual cards and spending analytics that keep an eye on you and your finances. It's all in the YAP app. YAP is PAY backward, and our knowledge of the payment industry led us to a clear purpose - to make money simple, seamless, and safe.YAP was created by Marwan Hachem and Anas Zaidan so that you no longer need several bank accounts or various apps to handle your finances. In our all-in-one money app, you can see your spending habits, pay your bills, and transfer money locally and internationally, with no minimum balance required. YAP products are issued by the National Bank of Ras Al Khaimah (P.S.C) 'RAKBANK' under the license by Mastercard Asia/Pacific Pte. Ltd. and are available only for the residents of UAE subject to the Terms and Conditions of use.