Updated October 16, 2026 · VaultCue Editorial Team
Ant Bank vs Yape
Ant Bank
Yape
Higher score in this comparison
Where Ant Bank and Yape differ
| Compare | Ant BankReviewSee alternativesSee alternatives | YapeReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | Not confirmed | PEN 0 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | Not confirmed | 2 |
| Transfer fee | Not confirmed | Free (0) to send a Yape payment; remittance receiving also free |
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Our verdict on each
Ant Bank
Ant Bank’s 2024 accounts describe Ant Bank (Hong Kong) Limited as incorporated and domiciled in Hong Kong.
Yape
Yape suits people in Peru who want a wallet for everyday payments and money sent home, not a multi-currency account. The monthly fee is PEN 0 and the currency conversion fee is 0%, so the cost is hard to argue with, but the offer is thin at 2 currencies.
Score breakdown
| Area | Ant Bank | Yape |
|---|---|---|
| Cost | Not confirmed | 9.6Monthly fee of PEN 0, a currency conversion fee of 0% and free transfers on a single-currency wallet. |
| Offer | Not confirmed | 8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service. |
How they place
| Ranking | Ant Bank | Yape |
|---|---|---|
| Money transfer services | 544 of 1564 | 240 of 1564 |
Every fact side by side
| Fact | Ant Bank | Yape |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Digital only |
| Legal entity | Ant Bank (Hong Kong) | Not confirmed |
| Support channels | Not confirmed | Help centre |
Money transfer
| Fact | Ant Bank | Yape |
|---|---|---|
| Delivery time | Not confirmed | Instant, credited directly to the Yape wallet |
| Payout methods | Not confirmed | Wallet |
| Fee to send 1,000 | Not confirmed | PEN 0 |
Where each stands against the rest
| Fact | Ant Bank | Yape | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | PEN 0at the median | PEN 0 |
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Yape
Pros
- Monthly fee of PEN 0 on the everyday account
- Currency conversion fee of 0%, top of the multi-currency table
- Sending a Yape payment and receiving a remittance are both free
Cons
- Only 2 currencies, near the bottom of the multi-currency table
- Payouts run to the wallet only, so money cannot be withdrawn to a bank account
- Support runs on help centre only, with no phone or email line
Who each suits
Ant Bank
Who it suits
- Readers checking Ant Bank’s incorporation and domicile as recorded in its 2024 accounts.
Yape
Who it suits
- People living in Peru paying everyday bills from a phone
- Family members abroad sending remittances to a Yape wallet
- Anyone who wants to receive money without opening a bank account
Who should look elsewhere
- PayPal Colombia or Skrill if you hold money in several currencies
- eToro if you want a card account that pays out to a bank
- Anyone who needs help by phone, since support runs on help centre only
Current offers
Yape
Current offer
Discount code
Hasta 50% de descuento en electrodomésticos en Yape Tienda: Up to 50% off appliances
Source, checked September 26, 2026
Country by country
| Country | Ant Bank | Yape |
|---|---|---|
| Peru | No | Yes |
Questions about each
Yape
How much does a Yape account cost to keep?+
The monthly fee on the everyday account is PEN 0. Sending a Yape payment carries no charge, and receiving a remittance is free as well, so the everyday cost of running the wallet is close to nothing.
What does it cost to change currency in a Yape wallet?+
The currency conversion fee is 0%, which sits at the top of the multi-currency ranking. The catch is that Yape only holds 2 currencies, so a wider currency basket is not available here.
How fast is a remittance sent to a Yape wallet?+
Delivery is Instant, credited directly to the Yape wallet. The money appears in the wallet itself rather than on a bank account, and receiving it carries no fee.
Can I get my money out of a Yape wallet?+
Payouts run to the wallet, so the balance stays in the app. Yape is listed as a digital-only service, which fits paying and receiving rather than holding savings in a separate account.
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Ant Bank
Yape