YAP Mobile Wallet with a debit card from the age of 6 years
Tap a card to see its features.
Explore everything your YAP cards do — pick a card, then tap a feature to view it one by one.
Everything your money needs, in one place.
Your free wallet & IBAN is just the start. Explore everything your Personal Account can do — tap any card to dive in.
Cards
A real PayPak debit card to your door, with free ATM withdrawals nationwide.
Payments
Zero-fee transfers, and pocket money for your kids through missions you approve.
Missions & Goals
Goal pots, round-ups and auto-save to put money aside without thinking.
School Fees
Pay your children's school fees on time, with reminders before every due date.
Bills & Utilities
Electricity, gas, mobile, internet and FBR challans, paid in seconds, with reminders.
Parent Controls
Add each child, fund their wallet, and approve every rupee they spend.
Send money in seconds, and reward good habits.
Transfer to any bank account with zero fees, and send pocket money to your kids through missions you approve.
Free transfers
Send to any bank account in Pakistan, 24/7, with zero fees.
Request & split
Request money or split a bill with friends and family in a tap.
Pocket money & missions
Send pocket money to your children and set missions that pay out when you approve.
Never miss a fee deadline.
Pay your children's school fees on time, straight from your wallet, with reminders before every due date.
Pay fees instantly
Settle your children's school fees in seconds, directly from your YAP wallet.
Due-date reminders
Automatic reminders before every due date, so a fee deadline never slips by.
Track every payment
A clear history of every fee paid, per child. No lost receipts, no guesswork.
Pay every bill, never miss a date.
Utilities and FBR challans, paid in seconds from your wallet, with auto-reminders.
Utilities
Electricity, gas, mobile, internet and more, paid in seconds from your wallet.
Auto-reminders
Get reminded before every bill is due, so you never pay a late fee again.
FBR challans
Generate and pay FBR challans directly in the app — no queues, no hassle.
Save for what matters.
Set goals, round up your spending and put money aside automatically, for you and your kids.
Goal pots
Create a pot for each thing you're saving for and watch it grow towards your target.
Round-ups
Round up every payment to the nearest rupee and save the spare change automatically.
Auto-save
Set a weekly or monthly amount to move into savings without thinking about it.
Approve, limit & lock.
Add each child to your account in minutes, fund their wallet, and approve every rupee they spend. You stay in full control, always.
Digital pocket money
Send allowance straight to your child's wallet in seconds.
Missions that pay on approval
Chores, homework, reading — paid out automatically when you approve.
Their own app, your control
Kids get a space to save and learn. You see everything, always.
Your money, fully protected.
YAP is licensed and regulated by the State Bank of Pakistan. Your money is held with our issuer bank — and you stay in control at every step.
SBP regulated
Licensed under State Bank of Pakistan rules.
Lock in one tap
Block or unblock any card from the app in one tap.
Full visibility
See every transaction the moment it happens.
Real-time alerts
Get notified on every spend and login.