YAP vs Penta.
YAP (Y69/100) and Penta (P61/100), 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 Penta 6-1.
| P Penta №49 · BaFin 61 /100 | Y YAP №40 · CBUAE 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 61 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €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 BaFin | Partner-bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded No DGS | €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 | 3.2 ★ 0k reviews | — |
| 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 Penta if…
The German SME-focused partner-bank neobank with the deepest DATEV-first workflow in the category. Customer deposits sit at Solaris Bank AG (BaFin-licensed credit institution) with DGS pass-through cover — structurally distinct from EMI-licensed Tide / Finom / Anna / Holvi. The structural fit for German GmbH / UG companies needing DGS-protected operating cash plus DATEV / Lexoffice / sevDesk integration depth without Qonto's freelancer-tier UX baggage.
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 2 of 4
- Best for protection YAP won 1 of 2
- Best for reach YAP won 1 of 3
- Best for ux Tied
YAP vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Penta better than YAP?
Under our v3 methodology, YAP leads Penta 6–1 across 12 dimensions. Composite scores: Penta 61/100 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 Penta or YAP cheaper?
Monthly fee — Penta: €9; YAP: €0. Card FX markup — Penta: 1.00%; YAP: Interbank. YAP wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Penta or YAP?
Penta holds a Partner-bank licence under BaFin; 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 Penta and YAP?
Penta 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.