Meem vs YAP.
Meem (M74/100) 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 Meem 4-3.
| M Meem №24 · SAMA 74 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Partner-bank CBUAE |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.3 ★ iOS 4.3 · And 4.2 |
| Read review → | Read review → | |
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
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 Tied
- Best for ux YAP won 1 of 2
Meem vs YAP — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Meem better than YAP?
Under our v3 methodology, YAP leads Meem 4–3 across 12 dimensions. Composite scores: Meem 74/100 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 Meem or YAP cheaper?
Monthly fee — Meem: €0; YAP: €0. Card FX markup — Meem: 2.00%; 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, Meem or YAP?
Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. 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 Meem and YAP?
Meem 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.