Quppy review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Quppy suits expats and freelancers who want a euro account with local IBAN details and personal transfer fees of €0 across supported SEPA and UK rails. Deposits sit under EU DGS up to EUR 100,000, while the account runs from an app with email and help centre support.
Key facts
- Best for
- Expats and freelancers who bank in euro and want local iban details with free personal SEPA and UK transfers.
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currencies
- 2↗
- Local account details
- IBAN↗
- Transfer fee
- Personal: 0 EUR and 0 GBP on supported SEPA Standard, SEPA Instant, Faster Payments and CHAPS transfers↗
- Legal entity
- QUPPY EUROPE OU↗
- Headquarters
- Estonia↗
- Support channels
- Email, Help-centre, Community↗
- Audience
- Expats, Freelancers
- Features
- Digital-only
- Official website
- quppy.com
Money transfer
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Personal transfers cost €0 on supported SEPA Standard, SEPA Instant, Faster Payments and CHAPS.
- Deposits are covered by EU DGS up to EUR 100,000.
- Local iban details let euro payments arrive like domestic transfers.
- Money can be paid out to a bank and wallet.
Cons
- The currency list is short at 2, against a 5 median for multi-currency accounts, so any other currency means converting.
- Access is digital only, so anyone who wants to handle money in person is out.
- Support runs on email, help centre and community only, with no phone line listed.
Who it suits
- Expats settling in the euro area who need local iban details for rent and invoices.
- Freelancers billing in euro and receiving payments on the SEPA and UK rails covered by the personal fee.
- People happy to run their money from a digital only account.
Who should look elsewhere
- Skrill, which covers 47 currencies, suits anyone who holds many currencies at once.
- Paysera, with 30 currencies, fits people who keep several balances open across regions.
- PayPal Colombia, with FDIC up to USD 250,000, is the pick to weigh when the protection ceiling matters more than euro rails.
Deposit protection
Money is held under EU DGS up to EUR 100,000, so the guarantee covers claims against the bank up to the stated ceiling. The other mark on record is a Money Services Business registration with FINTRAC in Canada, M23468538, which covers money services activity there rather than the euro-area balances.
The company behind it
The account is issued by QUPPY EUROPE OU, which is based in Estonia. Support runs on email, help centre and community, so a client with an urgent question waits on email while the help centre covers the routine ones. The Canadian registration M23468538 is the second mark on record.
How Quppy compares
Skrill holds 47 currencies, far more than the 2 here, for people who convert often.
Where Quppy is available
- Available
- Canada, Malta
- Licence in Malta
- Malta Financial Services Authority, checked September 26, 2026
- Licence in Canada
- Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Money Services Business registration (M23468538), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a transfer cost on a Quppy personal account?+
Personal transfers are free on supported SEPA Standard, SEPA Instant, Faster Payments and CHAPS rails, and the listed personal fee is €0. Anything outside those rails may follow different pricing, so check the fee list for the corridor in use.
Is my money protected if the provider fails?+
Balances are covered by EU DGS up to EUR 100,000, an EU deposit guarantee scheme. That is a claim on the bank holding the money, while a separate Canadian registration, M23468538, governs money services activity in Canada.
How many currencies can I hold?+
The account supports 2 currencies, well below the 5 across multi-currency accounts. Anyone who lives in more than one currency zone should weigh the cost of converting on each spend.
Do I get local account details to receive money?+
The account carries local iban details, so euro payments can arrive like a domestic transfer rather than an international one. Payers in the euro area can be given those details for rent, salary or client invoices.
Can I use cash or a card with Quppy?+
The account is digital only, so money moves through the app rather than at a counter or from a machine. Clients who need cash in hand or a branch relationship should weigh a different kind of account.
How do I get help?+
Support runs on email, help centre and community. There is no phone line listed, so a client with an urgent question waits on email, while the help centre covers the routine ones and a community board fills the gap.
Who is Quppy built for?+
Quppy lists expats and freelancer as its audience, so the account is aimed at people moving across borders and at freelancers billing for their work. Both groups tend to want local payment details rather than an international transfer for each payment.
How do I get my money out?+
Payouts run to a bank and wallet, so a balance can be sent to a bank account or to a wallet. Any fee on a withdrawal follows the account's pricing, so check the fee list for the route you plan to use.
Sources
- quppy.com checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Support channels, Licences
“Quppy is operated by QUPPY EUROPE OU, an Estonian company having its registered address at Harju maakond, Tallinn”
- quppy.com/en/download checked September 26, 2026
Backs: Features
“Accounts, transfers and the crypto wallet all live in the mobile app”
- quppy.com/en/help checked September 26, 2026
Backs: Payout methods
“Quppy does not currently support adding fiat money by Visa or Mastercard or withdrawing fiat money to a bank card”
- quppy.com/en/personal checked September 26, 2026
Backs: Audience, Currencies, Local account details
“People living internationally ... Freelancers and digital professionals”
- quppy.com/en/trust/fees-rates-and-limits/fees checked September 26, 2026
Backs: Transfer fee, Fee to send 1,000
“Personal: Quppy transfer fee EUR 0, GBP 0 - SEPA Standard, SEPA Instant, Faster Payments, CHAPS”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Currency conversion fee.
Related by the facts
Guides
Quppy
Expats and freelancers who bank in euro and want local iban details with free personal SEPA and UK transfers.