Revolut vs YAP.
Revolut (R91/100) and YAP (Y69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads YAP 9-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | — |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | Partner-bank CBUAE |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 2 countries |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
Pick YAP if…
UAE expat-focused digital bank — partner-bank model via RAK Bank. Strong remittance corridor to Pakistan. Multi-currency wallet differentiates vs. AED-only competitors. AE DPS cover applies via the RAK parent.
- Best for fees Revolut won 2 of 4
- Best for protection Tied
- Best for reach Revolut won 3 of 3
- Best for ux Revolut won 2 of 2
Revolut vs YAP — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than YAP?
Under our v3 methodology, Revolut leads YAP 9–1 across 12 dimensions. Composite scores: Revolut 91/100 vs YAP 69/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or YAP cheaper?
Monthly fee — Revolut: €0; YAP: €0. Card FX markup — Revolut: Interbank; YAP: Interbank. Revolut wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Revolut or YAP?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. YAP holds a Partner-bank licence under CBUAE; deposit guarantee per depositor: €250,000. Both score equally on regulatory protection rows.
Where can I use Revolut and YAP?
Revolut operates in 48 countries; YAP operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.