Súgóközpont
Hogyan működnek a Quppy számlák, az átutalások, a kriptotárca és a váltás — és mit tegyen, ha valami rosszul sül el.
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.
No. Quppy does not currently support adding fiat money by Visa or Mastercard or withdrawing fiat money to a bank card. Use only the bank-transfer routes and account instructions currently available for your Quppy account. Bank-card funding and bank-card withdrawals are separate from the upcoming Quppy Card product.
No. Incoming GBP payments are not currently available through Quppy. Eligible users may still have other GBP functionality, including managing an available GBP balance, exchanging EUR and GBP, using supported GBP payment operations and accessing supported GBP-to-crypto and crypto-to-GBP exchange through a separate crypto service. Check the current configuration shown in your account before acting.
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.
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.
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.
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.
Eligible users can receive supported crypto-assets from compatible external wallets and crypto platforms. Before sending, select the asset and currently supported network in Quppy, copy the deposit details and use the same asset and network on the external platform. Do not use an old address or unsupported network.
Eligible users can send supported crypto-assets from Quppy to compatible external wallet addresses. Select the asset and network available to your account, enter or scan the destination address, review the amount and transaction details, and complete the required confirmation steps. Blockchain transactions normally cannot be reversed.
Yes. Quppy Crypto uses a custodial wallet model. Supported digital assets are held and administered by the applicable crypto-service provider for the user’s country, while the user manages balances and initiates deposits, withdrawals and exchanges through the Quppy interface. In the EEA, the applicable provider and custodian is Payhound Limited.
A crypto transfer sent to the wrong wallet address may be permanently lost. Confirmed blockchain transactions normally cannot be cancelled or reversed. Stop sending additional funds, preserve the transaction details, contact Quppy Support and, where relevant, contact the owner or platform controlling the destination address. Recovery is not guaranteed.
A crypto transfer sent through the wrong or unsupported blockchain network may not be credited and can result in permanent loss. Blockchain transactions normally cannot be cancelled or reversed. Stop sending additional funds, save the transaction details and contact Quppy Support and the other wallet or platform involved. Recovery is not guaranteed.
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.
Quppy currently supports BTC on Bitcoin, ETH and USDC on Ethereum, and TRX on TRON. USDT on Ethereum and TRON is available only outside the EEA, subject to country and provider eligibility. SOL, USDC on Solana and USDT on Solana outside the EEA are coming soon.
A crypto transaction can remain pending because it is waiting for blockchain confirmations, the external platform has not completed processing, the applicable provider is processing it, or a security, compliance or Travel Rule review is required. “Pending” and “under review” are not the same as “failed.” Check the transaction status and evidence before contacting Support.
Yes. Eligible users can exchange supported crypto-assets with EUR and GBP in both directions where the pair is available: fiat-to-crypto and crypto-to-fiat. The Quppy Personal IBAN remains a fiat account service; the exchange is a separate regulated Quppy Crypto service with its own provider, rates, costs, limits and regional restrictions.
Yes. Quppy supports exchange between available crypto-assets for supported pairs. You cannot assume that every asset can be exchanged directly for every other asset. The available pair, rate, estimated result, costs and regional restrictions are shown according to your country, provider and account configuration before confirmation.
Before a crypto exchange is confirmed, Quppy should show the applicable exchange rate, the amount you exchange, the estimated amount you receive and any costs associated with the operation. Rates can change before confirmation. Quppy does not currently publish one universal crypto exchange fee, spread or transaction limit in this Help Center article.
Eligible Quppy users can exchange EUR into GBP and GBP into EUR within the available Personal experience. Before confirmation, Quppy should show the selected currencies, applicable rate, estimated amount to be received and any applicable costs. Fiat exchange is separate from a bank transfer and separate from crypto exchange.
Use the Quppy availability directory, select your verified country of residence and customer type, and review each service separately. Check the provider, currency or crypto-asset, blockchain network or payment rail, incoming or outgoing direction, current status, limitations and Last reviewed date. Then confirm the same status in the Quppy app before opening an account, sending a payment or transferring crypto.
Yes. USDC on the Ethereum network can be available through Quppy to eligible users in the EEA, subject to country, provider and account configuration. USDC on Solana is coming soon. USDC is a separate crypto-asset from USDT, has its own issuer and risks, and is not a bank deposit or a government-guaranteed balance.
For eligible users under an EEA service configuration, applicable crypto custody, exchange and transfer services available through Quppy are provided by Payhound Limited. Payhound is a Malta-based Crypto-Asset Service Provider authorised under MiCA by the Malta Financial Services Authority. Quppy provides the technology and connected user experience and is not the holder of Payhound’s authorisation.
USDT is not available through Quppy to users whose crypto services are provided under the European Economic Area regulatory framework. Quppy’s EEA crypto-service provider, Payhound Limited, excludes USDT from its EU/EEA service catalogue as part of its MiCA-compliant stablecoin policy. This is a Quppy service-availability restriction. It does not mean that simply owning USDT is generally illegal throughout the EEA.
Contact Quppy Support through an approved official channel. Account recovery is handled through a support-led security and identity-verification process. Quppy may request additional information and temporarily restrict sensitive operations while the request is reviewed. Recovery is not instant or guaranteed without completing the required checks.
Quppy uses multiple account and transaction controls, including PIN protection, biometric login on supported devices, two-factor authentication, transaction confirmation and new-device confirmation. Account recovery is handled through Quppy Support and identity and security checks. These controls reduce risk but cannot make an account, device or transaction completely risk-free.
If you lose a phone or device used for Quppy, contact Quppy Support through an approved channel as soon as possible. Secure the email account and phone number linked to Quppy, do not approve unexpected login or transaction requests and complete the required identity and security checks. Sensitive operations can be temporarily restricted during recovery.
If you believe your Quppy account may be compromised, contact Quppy Support immediately through an approved channel. Do not approve unexpected login, new-device or transaction requests. Secure the email account and phone number linked to Quppy, preserve evidence of suspicious activity and follow the identity and security checks requested by Support.
Eligible online and offline merchants may be able to use approved Quppy Business account details to receive settlement payouts from acquiring banks, payment service providers, payment facilitators, marketplaces or card-acquiring platforms. The flow requires Quppy/provider approval and acceptance of the account details by the merchant’s settlement provider. Account approval does not guarantee that every acquirer will accept the proposed details.
No. Approval for a Quppy Business payment account does not automatically approve the company for corporate crypto services. The crypto service has its own provider, jurisdictional scope, KYB and source-of-funds review, supported assets, custody or settlement model, rates, limits, risks and terms. A company may receive payment-account approval without crypto approval.
No. Opening a Quppy Business payment account does not by itself enable a merchant to accept card payments. Card acceptance, authorisation, processing, refunds, disputes, chargebacks and reserves are handled under a separate agreement with an acquiring bank, PSP, payment facilitator or another acquiring provider. Quppy Business may provide approved account details for receiving the resulting settlement payouts.
Virtual IBANs can help a business reconcile incoming payments by assigning a distinct identifier to an approved acquirer, customer, store, website, entity, project or payment flow. When a payment arrives, the identifier can help the business associate it with the correct source. This can reduce manual matching, but it does not replace accounting controls, contracts or transaction evidence.
Quppy Business onboarding is completed online and normally includes a company application, corporate documents, verification of directors and beneficial owners, evidence of business activity and a compliance review. Approved companies receive an individual offer describing the currencies, account details, payment rails, limits, pricing, permitted use, providers and terms available to them. The timeline depends on the company and completeness of the information.
No. Quppy is not a bank and does not offer a bank deposit in its own name. “Quppy Business payment account” describes the business functionality available through the Quppy interface. Account details, fund holding or safeguarding and payment execution may be provided by separate regulated institutions named in the customer offer and applicable agreements.
A dedicated GB IBAN is an account identifier assigned for use by a specific approved business customer under the applicable account arrangement. It may be used for eligible commercial payments or settlement flows, depending on the underlying provider, currencies and payment rails. Not every Quppy Business customer receives a dedicated GB IBAN.
A virtual IBAN is an account identifier linked to an underlying account arrangement and used to identify or reconcile incoming payments. It can be assigned to a customer, acquirer, store, website, legal entity, project, country or payment flow. A virtual IBAN does not necessarily constitute a separate bank account, and availability depends on the approved Quppy Business configuration.
Quppy Business Crypto Exchange is a separate corporate service designed for eligible legal entities to exchange supported fiat currencies and digital assets. The intended model connects an approved Quppy Business payment configuration with the applicable crypto-service provider for fiat-to-crypto and crypto-to-fiat operations. The assets, networks, currencies, provider, custody or settlement model, fees, limits and jurisdictions available to a company are confirmed during the separate approval process.
Quppy Business is the business-payment experience developed under the Quppy brand for eligible legal entities. Depending on the company’s approved configuration, it may provide access to EUR, GBP and USD balances, supported payment rails, dedicated or virtual account identifiers and merchant-settlement flows. Quppy provides the connected technology and user experience; the legal entities providing payment or crypto services are identified in the customer offer and applicable agreements.
Card acquiring is the service that enables a merchant to accept and process customer card payments. Merchant settlement is the later payout of processed funds from the acquirer, PSP or platform to the merchant. Quppy Business may provide approved account details for receiving settlement payouts, but the business payment account does not itself provide card acquiring.
Quppy Business may request corporate records, ownership and director information, identity documents, proof of address, licences and evidence of business activity. The exact list depends on the company’s jurisdiction, entity type, ownership structure, industry, requested services and expected payment flows. Additional documents may be requested during the review.
An approved Quppy Business configuration may include EUR, GBP and USD and access to SEPA, SEPA Instant, Faster Payments, SWIFT and ACH. Not every currency, direction or rail is available to every company. The exact account details, incoming and outgoing capabilities, limits, providers, fees and processing conditions are confirmed in the individual customer offer.
Companies registered inside or outside the European Union may be considered for Quppy Business, subject to supported jurisdictions, business activities, ownership structures and provider requirements. Every application is assessed individually. Submitting an application does not guarantee approval or access to any particular currency, rail, account identifier or crypto service.
Every Quppy Business application is reviewed individually because the legal, ownership, jurisdictional and payment risks of each company are different. The review determines whether the company can be supported and, if approved, which currencies, rails, identifiers, limits, pricing and services can be included. Submission does not guarantee approval.
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