Article facts
| Field | Visible value |
|---|
| Product | Quppy Personal |
| Fiat account experience | Crypto-friendly multicurrency IBAN |
| Live fiat currencies | EUR and GBP |
| EUR routes | SEPA Standard and SEPA Instant |
| GBP routes | Faster Payments and CHAPS where enabled |
| Incoming GBP | Not currently available |
| Quppy fiat-transfer fee | €0 / £0 for currently supported EUR and GBP fiat transfers |
| Crypto functionality | Separate Quppy Crypto service |
| Availability | Country-, provider- and eligibility-dependent |
| Last reviewed | 2026-08-21 |
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:
| Currency | Routes | Important note |
|---|
| EUR | SEPA Standard; SEPA Instant | Availability and direction depend on account configuration |
| GBP | Faster Payments; CHAPS | Incoming 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?
- Check whether Quppy Personal is available in your country.
- Create or open your Quppy profile.
- Complete the identity and eligibility checks required for the service.
- Review the currencies, account details and payment routes enabled for your account.
- Read the applicable provider terms before using a regulated service.
- 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.