Staying on top of your bills has never been this simple
Everything you can handle with Yas
Everything you'd do at a bank, without the bank in the way
Account, card, Pix, investments and credit in one place — each one built to get done in a few taps.
The basics done right, at no charge
No-fee account
No monthly fee, no maintenance charge and no service bundle hidden in your statement.
Earns on its own
Your balance earns every business day and stays available to spend whenever you want.
Unlimited Pix
Send, receive and request payments any time, weekends and holidays included.
Bills and top-ups
Pay bills, issue charges and top up your phone without leaving the app.
Your money earns every single day, even while you do nothing
Your Yas balance earns 110% of the CDI — Brazil's benchmark rate — credited daily, and stays available to spend, pay or transfer the moment you need it.
Gross yield, before income tax. The rate is variable and tracks the CDI. Subject to the account terms and conditions.
See the account that earnsEmergency fund
R$ 10.000,00
- today
- + R$ 4,30
- this month
- + R$ 90,67
- over 12 months
- + R$ 1.144,00
Cashback on what you buy
Every purchase with your Yas card sends part of what you spend back to your account — and it starts earning right away. No points to convert, no hidden rules.
Get your card for free
Be among the first
We are opening Yas gradually. Leave your email and we will let you know the moment your account can be created — no spam, just the invite.
Yas news in your inbox
Launches and money tips. No spam, unsubscribe anytime.
Coming soon to the stores
The app is on its way to the App Store and the Play Store; the waitlist hears about it first.
Open your account
Just your tax ID, a selfie and five minutes. No branch, no queue, no paper.
Start using it
Your virtual card is ready instantly and the physical one arrives in a few days.
Yas talks to the rest of your financial life
Bring your other accounts in through Open Finance and pay the way you already do.
Vault-grade security, none of the red tape
Biometrics everywhere
Every login and every transfer goes through your fingerprint or your face.
Encrypted data
Your information is encrypted end to end, in transit and at rest.
Travel mode and limits
Set limits by channel and by period, and flag when you're abroad.
24/7 fraud monitoring
Every transaction is reviewed in real time, and anything out of pattern is blocked before it leaves your account.
Your company's account, just as simple
From sole traders to full teams: invoicing, payroll and corporate cards in one place — with no maintenance fee.
- Fully online setup, with your company registration and bylaws
- No maintenance fee and no minimum revenue required
- Card reader with rates you see before you sign up
Invoicing that closes itself
Issue bank slips and Pix QR codes, track who paid and reconcile without a spreadsheet.
Access for your team
Corporate cards per person, individual limits and expense approval in the app.
Payroll
Pay salaries in batches and offer the Yas account to your team at no cost.
Fits your ERP
Open API and ready-made exports so your accountant closes the month in one pass.
US$ 1 = R$ 5,08
Your global treasury,
one interface
Hold reais and dollars in the same account, convert instantly at a transparent rate and spend abroad with no surprises on the statement — all from the app, no paperwork.
open an accountOne API.
All of Yas.
In your product.
Power your product with real-time payments. From Pix instant transfers and boleto bank slips to card issuing and account opening, all in a single unified API.
see how it works$npx api install "@yas/account-api/v1.0#3gxmj21cm70zsk2q"
Yas in the press
The questions everyone asks
No. Opening is free and the account has no monthly maintenance fee. Pix transfers, bill payments and the virtual card are free as well.
There are no branches. Everything happens in the app: you enter your CPF, take a selfie for verification and the account is open in a few minutes.
Yes. Your balance earns automatically every business day, with nothing to invest by hand, and you can cash out at any time — including to pay for a purchase on the spot.
No. The Yas card is debit and credit in the same piece of plastic, with no annual fee and no minimum spend to keep it that way.
You can block the account and the card from the website or by phone, at any hour. Signing in on a new device always requires biometrics and a fresh identity check.
The yes your money was waiting for
An account in minutes, no fees and no hassle. You're the missing part.
Join the waitlist