Found vs YAP.
Found (F69/100) 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. YAP leads Found 2-1.
| F Found №39 · FDIC 69 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank CBUAE |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 YAP won 1 of 4
- Best for protection Tied
- Best for reach YAP won 1 of 3
- Best for ux Found won 1 of 2
Found vs YAP — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than YAP?
Under our v3 methodology, YAP leads Found 2–1 across 12 dimensions. Composite scores: Found 69/100 vs YAP 69/100. YAP is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Found or YAP cheaper?
Monthly fee — Found: €0; YAP: €0. Card FX markup — Found: 1.00%; YAP: Interbank. YAP wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Found or YAP?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. 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 Found and YAP?
Found operates in 1 country; 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.