YAP Pakistan is a digital banking application with banking services. YAP Pakistan brings innovative finance solutions to users, making it easier to send, spend and manage your money. You can easily open an account in seconds from your mobile for free, with no minimum balance or salary requirements necessary. Once you create your account with YAP Pakistan and complete a successful identity verification, YAP Pakistan will generate an IBAN for you, and deliver a debit card to your doorstep, free of cost.

We would love to talk! Reach us via:

• Live chat with us via the YAP Pakistan app.

Your YAP Pakistan app can work anywhere in the world; thus, you can use your YAP Pakistan card (by Mastercard) anywhere that Mastercard is accepted.

YAP Pakistan is a financial technology company, not a bank – this means that we do not have any brick-and-mortar branches. If you have any questions or need help, you can reach out to one of our YAP Pakistan agents through the app via live chat.

Lead the digital banking revolution and get the most out of your YAP features – share YAP with your friends! Once you download YAP and get on the queue, you will find a button that allows you to share YAP with your contact list. Make sure to invite your friends, family, or anyone you think you would send money transfers to the most so they can sign up and join the queue ASAP. The faster they get on the queue, the closer they will get their account onboarded. You can share YAP Pakistan with friends via your unique referral link on SMS or copy and paste.

Our head office in Pakistan is at Lahore.

We’d love to have more talent join our team! For all career opportunities at YAP Pakistan.

YAP Pakistan currently does not have an internship program, but keep your eyes peeled on our social media and career page for possible opportunities.

YAP Pakistan is always open to collaborations. If you think your image aligns with ours, feel free to contact us.

For all media inquiries, please contact us.

If you are over the age of 18 and have a valid CNIC, you can create an account with YAP Pakistan in seconds. You do not need a minimum salary or balance requirements necessary – just a mobile number, CNIC and 30 seconds!

Yes. Like most apps, you will need cellular data or a WI-FI connection to use our online digital banking app. Having an internet connection ensures you get real-time notifications wherever you are.

To use our online digital banking app on iOS, we support all versions from 11.4 and above. If you are using an Android, version 6.0 or more works just fine.

No. Your online digital banking account is your own. The beauty of YAP Pakistan is receiving personalized insights into your spending habits.

Once you create your online digital banking account with YAP, you get an allocated IBAN that will be activated as soon as we verify your account. Once your account is verified, we will deliver your YAP Pakistan card straight to your door and notify you to set up your pin in-app. Then, simply create your pin and top up your account to begin using YAP Pakistan!

You will be allocated an IBAN from YAP Pakistan as soon as you sign up. Once you are verified, your IBAN will be activated, and we will create a virtual debit card for you. Your physical debit card, by Mastercard, will be sent to you within five working days.

There is a slight chance that an application may get rejected due to compliance reasons, keeping in line with regulatory policies. We will inform you immediately if that is the case.

If you are a new user:

• Download YAP Pakistan (available on iOS and Android).
• Launch the app.
• Once you get to the welcome screen, create your account in a few easy steps. Remember to keep your CNIC on hand!
• You are in – welcome to YAP Pakistan.

YAP Pakistan is free to download and use. You do not require a minimum salary or must maintain a minimum balance to create an account or begin using YAP Pakistan. Future card plans will allow you to upgrade to a paid YAP Pakistan digital banking account or pay for selected packages on the go for more features. While YAP Pakistan is free, certain transactions or transfers may come with banking fees. You can see a list of these fees under the more section in the app or our website.

At the moment, YAP Pakistan only offers personal current digital banking accounts and debit cards.

To open a YAP Pakistan personal account, you must have the following:

• An active Pakistani mobile number
• An email ID
• Valid CNIC

Nope! No minimum balance is required to maintain your YAP Pakistan digital banking account.

You cannot overdraw your YAP Pakistan digital banking account. YAP Pakistan is a current account and uses only the money you have added to your account.

You can not rename your digital banking account, but you can rename your virtual cards in the app. YAP Pakistan also lets you choose the name you would like displayed on your main debit card when you sign up. However, if you wish to change the name of your card at a later date, you can do so from the app and reorder a new card. Charges may apply.

You do not earn interest on your YAP Pakistan digital banking account.

You do not have to transfer your salary to YAP Pakistan, but you can. The process is simple – provide your bank account details to your organization like you would do with any other bank account.n digital banking account.