YAP vs Nubank PJ.
YAP (Y69/100) and Nubank PJ (N53/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Nubank PJ leads YAP 5-4.
| N Nubank PJ №63 · FDIC 53 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 53 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.10% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FDIC | Partner-bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 2 countries |
| Crypto Coins available | 2 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.8 ★ 50k reviews | — |
| 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 Nubank PJ if…
Brazil's default SMB neobank — 3M+ business accounts on a free Conta PJ with PIX instant transfers, FGC-protected deposits up to BRL 250,000 per customer per institution, and Nu Invest integration for idle-cash CDB / LCI / LCA / Tesouro Direto yield. Backed by Nubank Holdings (NYSE: NU), the largest neobank in LATAM by market cap. Operating as a BACEN-supervised full financial institution under Nu Pagamentos S.A., distinguished from US / EU SMB neobanks by genuine full-bank licensing and FGC cover — deposit insurance is real, not a partner-bank pass-through.
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 Nubank PJ won 3 of 3
- Best for ux Nubank PJ won 2 of 2
YAP vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank PJ better than YAP?
Under our v3 methodology, Nubank PJ leads YAP 5–4 across 12 dimensions. Composite scores: Nubank PJ 53/100 vs YAP 69/100. Nubank PJ is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank PJ or YAP cheaper?
Monthly fee — Nubank PJ: €0; YAP: €0. Card FX markup — Nubank PJ: 1.10%; 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, Nubank PJ or YAP?
Nubank PJ holds a Payment inst. licence under FDIC; 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 Nubank PJ and YAP?
Nubank PJ operates in 3 countries; 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.