How can I send money to Turkiye (Turkey)?
Send money to Türkiye with Taptap Send. Choose from bank transfer, Uption e-wallet, or cash pickup via UPT or PTT branches. Transfers are available in TRY, USD, and EUR depending on the method.
Delivery methods and speed
Here are the options for sending money to Türkiye and what you need to know about each.
Bank transfer: any Turkish bank account (TRY only)
E-wallet (Uption): Uption account in TRY, USD, or EUR
Cash pickup (UPT or PTT): UPT or PTT locations across Türkiye in TRY, USD, or EUR
| Delivery method | Typical delivery time | Notes |
|---|---|---|
| Bank transfer | Within minutes (under TRY 100,000) / Same day (over TRY 100,000) | Transfers up to TRY 100,000 use FAST and process 24/7. Transfers over TRY 100,000 use EFT: weekdays only, maximum TRY 350,000 per transfer. Allow up to 2 additional business days for funds to appear in your recipient's account. |
| Uption | Within minutes | Available 24/7. Recipient needs an active Uption account. Transfers to inactive accounts will be rejected. |
| Cash pickup (UPT or PTT) | Within minutes | During UPT or PTT operating hours, which vary by branch. |
Fees
Taptap Send always shows you the exact fee and exchange rate upfront, you'll see them on the very first screen before you confirm your transfer. There are no hidden charges.
When sending to Türkiye, the following fee structure applies:
| Sending from | Transfer fee |
|---|---|
| 🇪🇺 Eurozone countries (EUR transfers only) | €2.50 |
| 🇺🇸 United States (USD transfers only) | $5.00 |
| 🌍 All other countries and currencies | No transfer fee, a small percentage is included in the exchange rate |
⚠ The flat fee applies only to EUR and USD transfers. If you send in Turkish lira (TRY), no flat fee applies regardless of where you're sending from.
Sending limits
Your overall account sending limits are based on your verification level. Türkiye-specific limits per delivery method:
| Product | Sending limit | Recipient's limit |
|---|---|---|
| Bank transfer (FAST) | 100,000 TRY | No specific monthly limits |
| Bank transfer (EFT) | 350,000 TRY | Weekdays only. Example: if you send a payment at 19:30 Istanbul time for 250,000 TRY, it will be reflected in the recipient's account on Monday morning at 09:00 Istanbul time. |
| Wallet (Uption Cüzdan) | 10,000 USD | All USD, EUR, and TRY transfers are possible with Uption. The 10,000 USD limit applies per transaction (equivalent amounts in TRY or EUR count towards the same limit). Daily limit per recipient: USD 100,000. Monthly limit per recipient: USD 150,000. Limits may be changed at UPT's discretion. |
| Cash Pick-Up (PTT and UPT branches) | 10,000 USD/EUR or TRY equivalent | All USD, EUR, and TRY transfers are possible for cash pickup. Funds can be collected from PTT and UPT branches with the code sent to the recipient's phone number. ID must be presented to collect. |
Can I cancel my transfer or get a refund?
If your transfer has already been delivered, recalling the funds can be difficult and take time. It is sometimes easier to resolve this directly with the recipient. Contact our support team through the app and we will look into what options are available. You can also refer to our global article Can I cancel or get a refund for my transfer?
For your recipient
Does my recipient need to do anything?
Bank transfer: No action needed. Funds are deposited directly into your recipient's bank account.
Uption: Your recipient needs an active Uption account before you send. If their account is inactive, the transfer will be rejected. Ask your recipient to confirm their account is active and they can receive international transfers before you confirm.
Cash pickup (UPT or PTT): No action needed in advance. Your recipient will receive an SMS with a reference code once the transfer is sent. They need to visit any UPT or PTT service point to collect.
What details does my recipient need to provide?
Bank transfer: Full name, bank name, and IBAN (TRY accounts only).
Uption: Full name and either their IBAN or Uption customer number (example format: 21719460).
Cash pickup (UPT or PTT): Full name (must match the name you entered when sending) and transfer reference number.
How does my recipient cash out?
Bank transfer: Funds are deposited directly into your recipient's bank account. No action needed.
Uption: Funds are deposited directly into your recipient's Uption account. They can use them for purchases or withdraw via their preferred method.
Cash pickup (UPT or PTT): Your recipient will receive an SMS with a unique reference code once the transfer is sent. To collect, they need to visit any UPT or PTT service point and:
- 1Present a valid government-issued ID or passport (the name must match what you entered for the transfer)
- 2Provide the reference code from the SMS
- 3Sign a receipt when collecting the funds
The reference code is valid for 30 days. Make sure your recipient collects before it expires.
For help: call 0850 724 0 878 (from Türkiye) or +90 850 724 0 878 (from abroad).
UPT and PTT operating hours:
- UPT branches, Monday to Saturday: 08:30–18:00
- UPT branches, Sunday: only Aksaray and Kadıköy branches open, 09:30–16:00 (Istanbul time)
- PTT (post office) branches: 08:00–17:00
Hours may vary by location. Your recipient should check the UPT service points page or their local PTT branch before visiting.
Still need help? Contact our support team through the app.