Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Yape
Kaspi.kz
Yape
Higher score in this comparison
What sets them apart
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | YapeReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | PEN 0 |
| Transfer fee | Free to other Kaspi clients | Free (0) to send a Yape payment; remittance receiving also free |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | Not confirmed | 2 |
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Key differences
- Support channels: only Kaspi.kz offers Phone, Chat.
- Features: only Kaspi.kz offers Free ATM.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
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 | Kaspi.kz | 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 | 9.2Higher | 8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service. |
| Trust | 9.0 | Not confirmed |
How they place
| Ranking | Kaspi.kz | Yape |
|---|---|---|
| Money transfer services | 943 of 1564 | 240 of 1564 |
| Online banks | 283 of 402 | 93 of 402 |
Every fact side by side
| Fact | Kaspi.kz | Yape |
|---|---|---|
| Audience | Teen, Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital onlyCovers more | Digital only |
| Legal entity | Kaspi Bank JSC | Not confirmed |
| Headquarters | Kazakhstan | Not confirmed |
| Founded | 2002 | Not confirmed |
| Support channels | Phone, Chat, Help centreCovers more | Help centre |
Savings
| Fact | Kaspi.kz | Yape |
|---|---|---|
| Headline rate | 15% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | KZT 1,000 | Not confirmed |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | Kaspi.kz | Yape |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | Instant, credited directly to the Yape wallet |
| Payout methods | Bank, Card, WalletCovers more | Wallet |
| Fee to send 1,000 | KZT 0 | PEN 0 |
Where each stands against the rest
| Fact | Kaspi.kz | Yape | Median |
|---|---|---|---|
| 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
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
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
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
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 | Kaspi.kz | Yape |
|---|---|---|
| Kazakhstan | Yes | No |
| Peru | No | Yes |
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
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.
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Kaspi.kz
Yape