Transparency

Schedule of Charges.

Everything YAP costs, in one place. No hidden fees, no surprises. Free to open, free to send, with only a small one-time charge for a physical card.

Effective 1 January 2026 · all amounts in PKR

Account & IBAN

Account openingFree
Free IBANLocal rupee account numberFree
Monthly / maintenance feeFree
Minimum balanceNone

Cards

PayPak debit cardOne-time issuance · 18+Rs 950
PayPak Young cardOne-time issuance · ages 6–12Rs 450
Mastercard debit cardOne-time issuance · globalRs 1,490Coming 14 Aug
Mastercard Young cardOne-time issuance · globalRs 750Coming 14 Aug
Virtual cardFree
Annual card feeFree
Card replacementLost, stolen or damagedRs 950 To confirm

Payments & transfers

Send & receive moneyIBFT to any bank in PakistanFree
Bill paymentsUtilities, mobile, internet, FBR challansFree
School fee paymentsFree
Wallet top-upFree

ATM withdrawals

Faysal Bank ATMsFree
Other banks (1LINK network)Per withdrawalRs 35

International (Mastercard)

International POS & onlineSBP rate To confirm
Currency conversionOn foreign-currency transactionsTo confirm

This Schedule of Charges is for information and design purposes. A few values are marked "To confirm" and should be finalised by YAP's finance and compliance teams. The binding, current Schedule of Charges is published in-app and at the time of account opening, in line with State Bank of Pakistan requirements. All amounts are exclusive of any applicable government taxes or duties.