YAP vs GoTyme.
YAP (Y69/100) and GoTyme (G52/100), 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 GoTyme 5-1.
| G GoTyme №65 · BSP 52 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Partner-bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | €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 | 4.8 ★ iOS 4.8 · And 4.7 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
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 YAP won 2 of 2
- Best for reach YAP won 1 of 3
- Best for ux GoTyme won 1 of 2
YAP vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than YAP?
Under our v3 methodology, YAP leads GoTyme 5–1 across 12 dimensions. Composite scores: GoTyme 52/100 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 GoTyme or YAP cheaper?
Monthly fee — GoTyme: €0; YAP: €0. Card FX markup — GoTyme: 1.50%; 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, GoTyme or YAP?
GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. YAP holds a Partner-bank licence under CBUAE; deposit guarantee per depositor: €250,000. YAP is the stronger pick on regulatory protection.
Where can I use GoTyme and YAP?
GoTyme 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.