FUPS Bank review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
For sharers and budget organisers, FUPS Bank offers current accounts with up to ten separate pots and a single card that can hold two balances. It centres on splitting costs, shared spending controls and QR and virtual card use at machines and terminals.
Key facts
- Best for
- Shared spending with separate pots on a single card
- Monthly fee
- TRY 0↗
- Local account details
- IBAN↗
- Transfer fee
- Free between FUPS users and to bank accounts; 9.90 TRY per month on accounts unused for 6 months↗
- Legal entity
- Lydians Elektronik Para ve Odeme Hizmetleri A.S.↗
- Headquarters
- Turkey↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Features
- Joint account
- Official website
- fups.com
Money transfer
- Delivery time
- Instant 24/7, EFT hours at other banks above 2,000 TRY↗
- Payout methods
- Bank, Cash-pickup, Card↗
- Fee to send 1,000
- TRY 0↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXappgallery.huawei.com
Pros and cons
Pros
- Holds up to ten distinct pots with a single card linked to the chosen balance
- Puts two individual balances on single plastic, each reached with its own code
- Creates a QR card for payments and machine withdrawals without carrying plastic
- Splits spending before or after payment among chosen people from the balance
Cons
- Shared pots and split controls add complexity for very simple solo money management
- Second code on the same card adds an extra step at payment terminals
Who it suits
- People who share household or group costs
- Organisers who want separate pots for different needs
Who should look elsewhere
- People who want a single simple balance with no sharing tools
How FUPS Bank compares
Where FUPS Bank is available
- Available
- Turkey
- Licence in Turkey
- Central Bank of the Republic of Turkiye (Turkiye Cumhuriyet Merkez Bankasi, TCMB) (10952/20551), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does FUPS Bank offer for everyday money management?+
FUPS Bank provides current accounts for sending and receiving money, organising budgets and dividing shared costs. Card spending links to chosen accounts, and cash can be withdrawn from machines. QR and virtual cards support payments at compatible terminals.
How do the separate accounts work?+
Customers can open up to ten different accounts for distinct needs and connect the card to a selected account. A dual account option keeps two balances on one piece of plastic, with each balance reached by its own code. Spending then comes from the active balance.
How does splitting costs work with FUPS Bank?+
A payment can be divided with chosen people after it has been made. Participants can also be added before payment so the cost is shared at the moment of purchase. Both routes keep shared spending within the account structure.
What types of cards are available?+
FUPS Bank offers a personalised card delivered to an address and cards obtained at retail points. A QR card can be created for terminal payments and machine withdrawals without carrying plastic. A virtual card and contactless payments support everyday shopping.
Who finds FUPS Bank most useful?+
People who share costs with friends, family or housemates find the shared pots and division tools practical. Those who like to separate money by purpose also benefit from multiple pots on a single card. Solo users with very simple needs may find less value.
Sources
- fups.com/hakkimizda.html checked September 26, 2026
Backs: Legal entity, Licences
- fups.com/iletisim.html checked September 26, 2026
Backs: Headquarters, Support channels
“Bize Ulasin: Finanskent Mahallesi Finans Caddesi Sarphan Finans Merkezi Sitesi A Blok No:5a Ic Kapi No:219 Umraniye / ISTANBUL”
- fups.com/ucretler-limitler.html checked September 26, 2026
Backs: Pricing model, Monthly fee, Transfer fee, Fee to send 1,000
“Hesap Acma: FUPS hesabi acmak tamamen ucretsiz. Aylik/Yillik Kullanim: FUPS'u kullanmak ucretsiz.”
- fups.com/yardim.html checked September 26, 2026
Backs: Delivery time, Features, Local account details, Payout methods
“2000 TL'ye kadar gonderimlerde 7/24 tum bankalara gonderim yapilabilmektedir ... Diger bankalarda EFT saatleri gecerlidir”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.