Qué es YAP en 2026
Aplicación de banca digital de los EAU lanzada en 2021. Modelo de banco asociado sobre RAKBANK. Expansión a Pakistán y Reino Unido entre 2023 y 2024.
Seguridad y regulación
Modelo de banco asociado; RAKBANK es el socio con licencia. La cobertura del AE DPS (AED 250.000) se aplica a través de RAKBANK.
Para quién es YAP
Elija YAP si: desea una aplicación de banca digital de los EAU con tarjetas multidivisa y no necesita una licencia bancaria directa. Opte por Wio si para usted es importante que la licencia bancaria la ostente directamente el proveedor.
How it stacks up.
Wio 77
CBUAE
UAE-native digital full-bank, CBUAE-licensed since 2022. Backed by ADQ + Alpha Dhabi + Mubadala + e&. Instant onboarding via Emirates ID and a multi-currency core (AED + USD + EUR + GBP) make it the strongest local-licensed competitor to Liv. and Mashreq Neo. AE DPS cover under the new UAE Deposit Protection Scheme.
Zand 77
CBUAE
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
stc Bank 76
SAMA
First SAMA-licensed digital full bank in Saudi Arabia (received bank licence 2023, originally launched as stc pay in 2017). Backed by Saudi Telecom (stc) — telecom-grade reach across the Kingdom. Multi-currency support and instant onboarding via Absher distinguish it from legacy KSA banks. SAMA Deposit Protection Fund cover.