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What is Quppy Personal?

Quppy Personal is the individual account experience within Quppy. Eligible users can manage EUR and GBP through a crypto-friendly multicurrency IBAN, use supported European and UK payment routes and access separate crypto wallet, exchange and risk-checking services through the wider Quppy app. Availability depends on country, provider and eligibility.

آخر مراجعة: 2026-08-21

Article facts

FieldVisible value
ProductQuppy Personal
Fiat account experienceCrypto-friendly multicurrency IBAN
Live fiat currenciesEUR and GBP
EUR routesSEPA Standard and SEPA Instant
GBP routesFaster Payments and CHAPS where enabled
Incoming GBPNot currently available
Quppy fiat-transfer fee€0 / £0 for currently supported EUR and GBP fiat transfers
Crypto functionalitySeparate Quppy Crypto service
AvailabilityCountry-, provider- and eligibility-dependent
Last reviewed2026-08-21

What can I do with Quppy Personal today?

Quppy Personal brings the currently available fiat services for individuals into one connected experience.

You may be able to:

  • manage supported EUR and GBP balances;
  • use the multicurrency IBAN functionality enabled for your account;
  • make supported EUR payments through SEPA Standard or SEPA Instant;
  • use supported GBP operations through Faster Payments or CHAPS where enabled;
  • exchange EUR and GBP;
  • access separate Quppy Crypto services for supported crypto-assets;
  • check which services are available for your country before activation.

The exact account details, payment directions, limits and provider shown to you can differ by country and customer profile. A feature appearing in a general product description does not guarantee that it is enabled for every account.

Why is the multicurrency IBAN described as crypto-friendly?

The Quppy multicurrency IBAN is a fiat account service for EUR and GBP. It is described as crypto-friendly because eligible users can access separate custodial crypto wallet and exchange services through the wider Quppy experience.

This connection can support a practical journey such as:

  • supported crypto-asset → crypto exchange → EUR or GBP balance → supported fiat transfer

The IBAN itself does not hold crypto and does not perform crypto exchange. Crypto services have their own provider, terms, rates, costs, limits and eligibility requirements.

Learn how the multicurrency IBAN works

Which fiat transfers are available?

Current Quppy Personal payment routes include:

CurrencyRoutesImportant note
EURSEPA Standard; SEPA InstantAvailability and direction depend on account configuration
GBPFaster Payments; CHAPSIncoming GBP payments are not currently available

Quppy charges no transfer fee for all currently supported fiat transfers in EUR and GBP. Currency exchange, crypto exchange, blockchain-network and third-party costs can apply separately.

See supported EUR and GBP payment routes

What is separate from Quppy Personal?

Quppy Personal and Quppy Crypto are connected but separate service layers.

Quppy Personal covers the approved fiat-account experience, currencies and payment routes.

Quppy Crypto covers custodial storage, external crypto deposits and withdrawals, crypto-to-crypto exchange and exchange between supported crypto-assets, EUR and GBP.

AML Quppy Bot is a separate risk-assessment service for supported wallet addresses or blockchain transactions. An AML check is a risk assessment and does not guarantee that an address, transaction or asset is safe, lawful or risk-free.

What is not currently available?

The following Personal functions are not live today:

  • incoming GBP payments;
  • adding fiat money by bank card;
  • withdrawing fiat money to a Visa or Mastercard bank card;
  • local country-specific payment methods;
  • additional local European IBAN options;
  • USD functionality;
  • Quppy cards.

Local European IBANs, local payment methods, USD support and Quppy cards are planned as coming-soon services. Quppy does not publish a launch date until the relevant country, provider, functionality and eligibility conditions are approved.

How do I start using Quppy Personal?

  1. Check whether Quppy Personal is available in your country.
  2. Create or open your Quppy profile.
  3. Complete the identity and eligibility checks required for the service.
  4. Review the currencies, account details and payment routes enabled for your account.
  5. Read the applicable provider terms before using a regulated service.
  6. Confirm rates, costs, limits and recipient details before an operation.

Exact screen names can change. Follow the current instructions shown in Quppy.

Check availability in your country

Is Quppy a bank?

No. Quppy is a technology and software provider. The applicable regulated fiat or crypto service is provided by the legal entity identified in the user’s agreement and service configuration.

The current Quppy Terms identify 2PAYAPP LIMITED in relation to euro-based SEPA processing and Payhound Limited as a crypto exchange and wallet provider. A partner’s licence, registration or authorisation must not be presented as a licence held by Quppy.

FAQ

Which fiat currencies does Quppy Personal support?

EUR and GBP are currently supported. USD functionality is coming soon, with the initial scope and launch countries to be confirmed.

Does the Quppy Personal IBAN hold crypto?

No. It is a fiat account service. Custodial wallet and crypto exchange functionality are separate services connected through the wider Quppy app.

Are EUR and GBP transfers free?

Currently supported EUR and GBP fiat transfers have no Quppy transfer fee. Exchange, blockchain-network and third-party costs can apply separately.

Can I receive GBP payments?

No. Incoming GBP payments are not currently available. Other GBP functionality can be enabled according to the account configuration.

Can I add money by bank card?

No. Fiat funding and withdrawals through Visa or Mastercard are not currently supported.

Can I exchange crypto in Quppy Personal?

Crypto exchange is a separate Quppy Crypto service. Eligible users can access it through the wider Quppy experience.

Is Quppy Personal available worldwide?

Quppy is available to eligible users in supported markets, but specific currencies, account details, routes and providers vary by country.

Is Quppy a bank?

No. Quppy provides technology and software. Regulated services are provided by the applicable entities stated in the relevant agreement and service configuration.

Explanatory note

This article explains the current Quppy product configuration. The applicable Quppy and service-provider terms, country eligibility rules and information shown in the app prevail if they differ from this article.

Accounts and transfers

What is the Quppy crypto-friendly multicurrency IBAN?

The Quppy multicurrency IBAN is a fiat account service for eligible users to manage EUR and GBP through one connected Quppy experience. It is described as crypto-friendly because separate crypto wallet and exchange services can be accessed through the wider Quppy app. The IBAN itself does not hold crypto and does not provide crypto exchange.

Accounts and transfers

Are EUR and GBP transfers free with Quppy?

Yes. Quppy charges no transfer fee for all currently supported fiat transfers in EUR and GBP. This applies to the Quppy transfer fee on eligible SEPA Standard, SEPA Instant, Faster Payments and CHAPS operations available to the account. Currency exchange, crypto exchange, blockchain-network and third-party costs are separate where applicable.

Accounts and transfers

Which EUR and GBP payment routes does Quppy support?

Quppy currently supports eligible EUR operations through SEPA Standard and SEPA Instant, and eligible GBP operations through Faster Payments and CHAPS. The exact incoming or outgoing direction, limits, processing status and provider depend on the user’s account configuration. Incoming GBP transfers are not currently available.

Crypto wallet and transfers

What is Quppy Crypto?

Quppy Crypto is the custodial wallet and exchange experience inside the Quppy financial super app. Eligible users can hold supported crypto-assets, receive crypto from compatible external wallets, send crypto to compatible external wallets, exchange supported crypto-assets and move between crypto, EUR and GBP. Assets, networks, providers and availability vary by country.

Accounts and transfers

What is coming soon to Quppy Personal?

Quppy Personal plans to add local European IBAN options, local payment methods, USD functionality and Quppy cards in selected markets. Quppy Crypto also plans SOL and additional Solana-network support. These services are not live until Quppy publishes the supported countries, provider, scope, eligibility, costs and effective launch date.