YAPE is one of the applications most used in the country of Peru, because it has a simple form, fast and secure to perform some banking transactions.
We can say that a large percentage of citizens make frequent use of it and are grateful and satisfied with the bank that gave rise to this new way to mobilize money no need to use an ATM with your debit card.
This application can be managed using a mobile device, since it avoids the need to contact any banking agency that maintains interoperability with this system and can carry out banking operations from the comfort of the place where they are and more considering that it is currently totally free.
What is YAPE and what is it for?
It's a new way, mobile and fast to send money. First, using an application or scanning the QR code. This way of sending money is only used by courier in one of the Latin countries like Peru.
This modality began to work in 2016, by Credit Bank of Peru, does not have a limit number of transactions, being this one of the most used in the Peruvian territory due to its easy and effective functionality, leaving a high degree of user satisfaction.
It is worth mentioning that you are working with six banks in the nation to join this new form of bank movements.
Taking into account that there is already interoperability between some banks in Peru, What: National Bank, My bank and Caja Cusco. What's more, other entities are expected join the new system.
How does YAPE work?
As a consequence of what the global pandemic, citizens need financial operations, in this case as payments, so it is quite difficult to go to a bank to do them.
In this sense, the creation of this new banking platform was greatly encouraged, in this case Peru was a Latin country, where this financial platform was created, in this way, the new mobile app will benefit a large crowd of people.
It works like a normal application of Instant messagingFirst, we must have the YAPE application downloaded on the mobile device. You do not need to have the account number you are sending to. Then, The only thing we must have is the cell phone number of the person who will receive the remittance. This application works as a kind of 'Mobile payment'. It would be the equivalent in Peru, to the famous' Zelle’ the Bank of America.
Another simple way to power do it is by the QR codeWe can do it by scanning this code, we correctly enter the amount of money and then accept.
Similarly, a simple way to use the application is as follows: We download the YAPE application from the Play Store, then you register and access with password, followed by selecting yapear, here they appear all your contacts and you must choose who you are going to carry out the transaction, finally you correctly place the amount of the operation and press accept.
Taking into account that there are several banks in the country that work with this system, has no additional charge for transfer, for now. There is a maximum amount established per day for both sending and receiving money and it must be done between interoperable banks.
We must bear in mind that there are not only benefits for the user, there are also benefits the banks and the staff who work thereAs the number of users visiting agencies decreases, decrease pressure on customer service staff and, at the same time, the number of bank customers will increase.
It is worth mentioning that the YAPE application also lends itself to carry out scams for this reason, should be used with care and the password used should be highly confidential.
How to create a YAPE account with my ID
- Firstly we agree to the Play Store application on the mobile device
- Here in the same way we look for the YAPE application and then him we download
- At the same time we click on the option create an account
- There we must write down the number of our cell phone, soon we record the code clearly and precisely which in turn will be sent to our mobile phone
- We carefully configure our data and we create a password
- Thus we finally obtain our account to begin with pleasure to use the functions offered by this tool provided by Banco del Crédito del Perú.
How to use YAPE to send and receive
Using YAPE is quite simple, since it is a platform designed to be able to make payments much easierAs we mentioned earlier, This application seeks to facilitate payment processes in which bank transfers, card or cash payments are not really the best options.
To use YAPE, must first have a series of mandatory requirements, that without them you will not be able to access this platform. The main thing will be to be affiliated with the system, That is why it is important that you follow the previous point to the letter.
Start ‘Yapear’ It is very simple, as We will only have to follow a simple list of steps. To start, we will have to enter the application and look for the option 'Yapear', then select it.
After having entered the option ‘Yapeo’, shall select the contact you want to send the money to, o ‘yapearle’, it is important that these contacts also have the YAPE platform.
Thereafter, You will have to put the amount you want to transfer, o ‘yapear’, accompanied (If you wish) of a note. It is important that you know that there is a maximum daily amount that you can transfer.
Finally, you will select the YAPE option and that's it, will have successfully transferred. You can repeat this process as many times as you want, Taking into account that, as we mentioned before, you will have a daily sending limit.
Limits on YAPE transactions
A fairly frequent question when using this type of service is, Do you have a daily transaction limit?what if, that's how it is, this platform not only has one, otherwise two different types of maximum daily amount.
First, is for BCP usersThey will be able to make daily transfers, or make payments of a maximum of S / 500 (five hundred peruvian soles). In addition, BCP clients can receive a maximum of S / 20,000 (twenty thousand Peruvian soles) per day.
Now, the second type of maximum amount, they got it clients of other financial entities, since they have a maximum YAPE transfer amount, just S / 200 (two hundred Peruvian soles), per day, and can receive up to S / 2,000 (two thousand Peruvian soles) per day.
The maximum amount may vary according to what the BCP (Credit Bank of Peru) decide and deem appropriate.
How to use YAPE without having a bank account
Before, I could only use YAPE if I had a bank account at BCP (Credit Bank of Peru). Currently you need to have an account in a bank, but not necessarily from the BCPThe truth is that if you don't have a BCP account, the daily transfer limit will be lower.
Another fairly simple way to sign up for YAPE without a BCP account is simply by affiliating your phone number and your identification.
How to withdraw my money at YAPE
Withdrawing money from YAPE is quite simple, since you can do it from any authorized agent of the BCP, as if it were a cash transfer. You will only have to present your ID, an App password and that's it.
This process is quite simple, find out how to do it:
- to get started, you must have the YAPE application on your mobile, ready to use.
- You will go directly to the Menu and look for the tab ‘YAPE cash withdrawal’.
- You will proceed to enter the amount you want to withdraw, along with a withdrawal key. As you know, the maximum amount to withdraw is 500 daily suns.
It is important that when you go to a physical agent of the BCP you do so with your ID in hand, since without this requirement cash withdrawals are not allowed.
YAPE is an alternative created in order that all payments can be made in a much more comfortable way, for both the user and the seller. Have you already dared to try it?
