Frequently Asked Questions

Yeap! If you can send money without being a member by clicking the Send Money button.

You can simply log in with your phone number by pressing «Become a member in 30 seconds" and start exploring UPTION.

You can change the language by pressing the flag icon in the left corner of the landing page.

If you have a reference code that you have obtained within the scope of our campaigns, you can enter it here. If you don’t. No problem, you can continue the membership process from the Become a Member in 30 Seconds step.

Click the resend button. If your problem is continue, don’t hesitate to contact us.

You can re-enter your number by pressing the back button at the top left of the screen.

We need to ensure the number belongs to you for your safety.

By switching to Limitless Account, you can use all of UPTION’s feature fullfily. Click for details.UPTION Card is free. With UPTION Card, you can make your domestic and international payments, withdraw and deposit your money from ATMs.

You may have entered one of your information missing or incorrectly. Please check and retry. Make sure your place of birth matches the information on your ID.

We use your personal information to confirm your identity, protect you against fraud and provide our services. According to the laws and regulations, the recipient institution agreements that we must accept, and there is mandatory information that we need to obtain.

All the information you entered must be matched. You should make sure that you correctly entered your Turkish/Foreign ID number or date of birth.

You do not have to give an E-mail address. But if you do, we can communicate with you via e-mail and give you information about your account transactions.

Turkish citizens may complete the membership process by uploading their Turkish ID, Passport, or Driver’s License, and foreign nationals may upload their Passport or Residence Permit.

Yes, all of your data is safe under the Protection of Personal Data Law.

To use the UPTION application, we need some information, including your name, phone number, and identity information. We use your personal data to confirm your identity and to provide our services.

It is a card that you can use the money in your UPTION account for all your payments. You may connect your UPTION Card to the account (Dollar, Euro, TRY) you want and use it all over the World.

It is a virtual card that you can create in seconds and start using immediately for online spending via money in your UPTION account.

No, you should have a membership with an unlimited account to have an UPTION Card.

You can use it all over the world for payments and shopping.

If you request the UPTION Card through the UPTION application, we can send it to your address. You can also get it from UPT branches, D&R and CarrefourSA store. You can start using it right away by defining your card from the "Identify your UPTION Card" step.

Yes, you can change your linked account from the My Cards menu whenever you want.

No. The UPTION Card and the virtual card may be linked to the same account. If you change one of the accounts, the other one will be also changed.

You can get one virtual card at a time. If you cancel your virtual card, you can create another up to 10 times a year.

No. You can have one UPTION Card at a time. In case of loss or thievery, you should pay the courier and request it again.

The UPTION Card is free. There is a courier fee amount of 40 TL to deliver the card to you.

The UPTION Virtual Card is completely free.

No, there is no card usage or subscription fee.

Maximum of 100.000 TL and equivalent can be spent per day. You can set a lower limit if you want.

The UPTION Card will be delivered to the address you specified in about 15 days. The card can be delivered only to you. If you have any problem with the delivery of the card, you can contact us.

Yes, You should go to the virtual card or UPTION Card page in the My Cards menu and then you can set a limit for your two cards separately from the Card Transaction Limits step.

Yes, you can spend in TRY, USD, or EUR by changing the account that your card is linked to.

To complete your membership process, we need your wet-inked signature. We send our free courier to you for membership not to tire you.

You can change your e-mail in the profile settings menu.

It is a free account with no limits. With an unlimited account, you can transfer money freely without limits, and benefit from all of UPTION’s products and functions. You should upgrade to the Unlimited Account to get UPTION Card and Virtual Card.

You should provide your name, identity number, date of birth, phone number, and you should send an image of your ID, to pass the viability test. If you are a approved account holder, it is enough to send the image of your ID and your video.

If you are sending money to the name, it will reach the recipient instantly. In case of sending to the account, it is delivered instantly or on the same day, depending on the country you send it to.

Yes, it is possible to send money to domestic and international bank accounts.

Yes, when sending money, you can enter the recipient's name and surname by selecting the "Send Money for Cash Pick Up" option. If you forward the reference code we gave you at the end of the transaction to the recipient, the recipient can get her/his money from more than 400 thousand UPT service points.

The recipient should be a UPTION member only if you are using UPTION transfer feature. Receivers do not have to be a UPTION member when you transfer money to abroad or domestically.

You can send money in USD, EUR and many local currencies from your USD, EUR and TL accounts.

You can transfer money 24/7 from Aktifbank and Vakıfbank to USD and EUR accounts.

The transaction fee depends on the amount and country you send money to. There is no other fee that you see when you send money and no fee will be taken from the recipient.

It is a feature of UPTION that provides money transfer 24/7 without fee among the UPTION members.

Yes, you can send money on the application landing page without being a member. The limit for this transaction is $3000 or the equivalent in EUR/TRY. You can repeat this transaction 3 times a day. We will create a request for you to send money. In the case of you deposit money to the account we gave you, we will transfer the money.

Aftab Currency,Agrobank,Aktive UK,Al Alami,Al Ansari Exchange,Al Barid Bank,Al Bilad,Al Fardan Exchange,Al Khalej Exchange,Al Morisi,Al Nada,Al Nouman,Al Sadat & Hindi Exc.,Al Yousuf Exchange,Alawneh Exchange,Amal Express,Amo Money Transfer,Azer Türk Bank,BaiTushum Bank,Bakai Bank,Bank BTB,Bank RBK,Bank Respublika,Banka Kombetare Tregtare Albania,Banka Kombetare Tregtare Kosova,Belmoney,Bestpay,Cash Express,Cash Plus,Contact Money Transfer,Dahabshiil Transfer Services,Direct Remit,Djibouti Post,Doscredobank,Easypay,Express Bank,Future Exchange,Gulf Exchange,Gunay Bank,Guul Pay,Hamza Exchange,High Rise Bank KKTC,Intel Express Georgia,International Bank of Somalia,JSC Bank of Georgia,Kaymaks,Khalil AL- Rahman Exc.,Limasol Turk Kooperatif Bankası KKTC,Monex,Money Exchange, Moneytrans, Musharbash,MyBank,Nahcivanbank, Nedsom,Pay Quik,Paymenta,QQB,Remitly,Ria,Rico Express,Saudi Exchange,Savdogar Bank,Shift Financial Services,Skandsom AB,Smallworld,STB Union,Suri Change,Swift Send,Swiss Exchange,Tawakal (Global Pay Money Transfer),The International Bank of Azerbaijan,Transfer Galaxy,Trustbank,URemit International,Worldcom Finance,Worldremit,Xalq Bank Azerbaijan,Xalq Bank Özbekistan,YPS,Zam Zam Exchange

The reference number will be sent to your phone via SMS or you can request it from the sender.

Money will be deposited to one of your USD, EUR or TRY accounts depending on the currency sent.

You can deposit money with your own card.

You can deposit money only to your TRY account.

No, this feature is not valid for numbers in Turkey.

You do not have to be a UPTION member to request money. We will forward your request. But sending money can be done via UPTION.

Yes, you can request money from more than one person divided equally to each person or in different amounts.

We will show you the E-pin on the screen after the transaction. You may copy it if you wish. We will also send the E-pin to you via SMS.

Your bill will be paid immediately after payment.

Yes.

No, but instead you can save your paid bill and view and pay your bill from your saved transactions for your next invoice payments.

UPTION's bill payment service is provided through N Kolay Ödeme ve Elektronik Para A.Ş. UPTION operates as a representative of N Kolay Ödeme ve Elektronik Para Kuruluşu, offering services on behalf of N Kolay with the agent code 9349994.

No. You need to contact the institution related to the invoice you are paying.

You can make a maximum of 5 bill payments per day and 20 bills per month.

No. You pay your bills free of charge.

Foreign health insurance aims to secure access to healthcare services in Turkey for foreigners who reside in Turkey by covering health expenses in case of emergency medical interventions, illness, or accidents.

Foreigners deciding to stay in Turkey for more than a year and seeking a residence permit are required to obtain foreign health insurance as part of the application process.

The policy is valid for one year. If you plan to continue residing in Turkey after one year and do not have private insurance, you can renew the insurance.

You can apply by clicking on the "Apply for a Loan" option in the main menu. You can take advantage of a personalized loan offer or choose the "I want to set the amount myself" option to determine the loan amount and installment number yourself. Once you review and approve the payment plan, the loan will be instantly deposited into your UPTION account.

Currently, only Turkish citizens and N Kolay customers can apply for a loan. We are working on allowing foreign nationals to apply for loans as well.

Loan installment payments are made through N Kolay. For any questions regarding installment payments, you should contact N Kolay directly. UPTION only acts as a payment service provider in the loan disbursement process.

Our users who will receive payments through MoneyGram can access the terms and conditions for receiving MoneyGram payments by clicking here.