Personal Account
Everyday money, properly organised
An account, a card and international payments — managed from your phone.
Getting Started
Open an account from your phone
You can start an application in minutes. We may request additional information or documents to complete identity, eligibility and compliance checks.
Enter your phone number
We send you a one-time code.
Tell us about yourself
Your name, date of birth and address.
Verify your identity
Upload a document and take a quick selfie.
We run our checks
Most applications are verified automatically.
Start using Uptex
Applications are completed online, although additional verification steps may be required.
Your Account
Account details you can share
Once your application is approved, your account details appear in the app. Share them to receive eligible payments, and see every movement of money as it is recorded.
See where you stand
Your balance, your transactions and the status of each payment, in one list.
Get paid
Share your account details to receive eligible incoming payments.
Statements when you need them
Download a statement for a period you choose.
Your Card
One card for supported currencies
Use your card in supported currencies, subject to acceptance and the disclosed FX rate and fees. Card controls and transaction notifications are available in the app.
Notification delivery can depend on network and device availability.
Payments & Exchange
Send, receive and exchange
Transfer money overseas at the exchange rate and fees displayed before confirmation. Available currencies, routes and delivery times vary.
Uptex to Uptex
Split bills using eligible Uptex-to-Uptex transfers, which are usually processed immediately.
SEPA transfers
Send and receive eligible euro payments over SEPA. Fees and delivery times are shown before you confirm.
International transfers
Coming soonTransfer money overseas at the exchange rate and fees displayed before confirmation. Available currencies, routes and delivery times vary.
Scheduled payments
Where supported, schedule an eligible payment for a future date and review it in the app before it is sent.
Currency exchange
Get a quote before every exchange, with the fee and the mark-up shown separately.
All applicable Uptex fees are set out in the price list; third-party fees may apply.
Common Questions
Frequently asked questions
Accounts
Uptex is launching for residents of supported European countries. You will see during sign-up whether your country is supported.
A supported phone number, a valid identity document — passport, national ID or driving licence — and a quick selfie check, all from the app.
Most applications are verified automatically. If your application needs a manual review, we will keep you updated in the app.
Business accounts are coming soon.
Fees
Every fee is shown before you confirm a payment or exchange. Full pricing will be published at launch.
No undisclosed Uptex fees. All applicable Uptex fees are set out in the price list; third-party fees may apply.