YAP vs Liv..
YAP (Y69/100) and Liv. (L59/100), 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 Liv. 4-1.
| L Liv. №53 · CBUAE 59 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /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 | E-money inst. CBUAE | Partner-bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | €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 | 4.3 ★ iOS 4.4 · And 4.2 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
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 1 of 2
- Best for reach YAP won 1 of 3
- Best for ux Liv. won 1 of 2
YAP vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than YAP?
Under our v3 methodology, YAP leads Liv. 4–1 across 12 dimensions. Composite scores: Liv. 59/100 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 Liv. or YAP cheaper?
Monthly fee — Liv.: €0; YAP: €0. Card FX markup — Liv.: 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, Liv. or YAP?
Liv. holds a E-money inst. licence under CBUAE; 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 Liv. and YAP?
Liv. 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.