Comparison

Papara vs FUPS

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Papara

Manage your money with a digital account offering fast, affordable financial services. Make payments, invest, save, and send money globally. Enjoy instant cashback and a variety of customizable cards for all your spending needs.

Highlights
  • Free account opening
  • Instant cashback rewards
  • Cost-free money transfers
  • Bill payments and expense tracking
  • Savings and investment accounts
  • Global money transfers
  • Multiple card options
Features
Read full description

Fast, simple, affordable and enjoyable financial services are on Papara! Download now, open your free account in seconds. Simply deposit money and start using instantly: make your payments, manage your budget, invest and save! JOIN OVER 23 MILLION PAPARA USERS → With Papara Card, spend worldwide and online without debt. → Earn instant Cashback as you spend. → Make money transfers cost-free 24/7. → Receive money to your account from all banks 24/7 with your Papara IBAN. → Simply pay your bills with Papara. Pay simply, track your monthly expenses with graphs! If you wish, place automatic payment orders and save time. → Top up your travel cards in seconds, 24/7. → Save money freely with a Savings Account. Set goals and track your progress. → Open Precious Metals Account and buy/sell gold, silver, and platinum 24/7. → Send money to over 100 countries within minutes. Receive transfers from abroad. → Chat with friends using the familiar messaging experience. → Split expenses and request money simply. → Deposit/withdraw cash from any ATM, make POS payments, and accept payments via QR. → Track your expenses with graphs, manage your budget. ENTER THE WORLD OF INVESTING WITH PAPARA INVEST → Swipe through Accounts section to view Investment Account, and open your account in seconds. → Even without opening Investment Account, you can monitor the stock market with real-time data, add stocks to your watchlist, and simply track market trends. → Buy/sell dollars at advantageous exchange rates, transfer money from your bank. → Even with just $1, become a shareholder of global giants like Apple, Tesla, Amazon, Microsoft, and Google. Invest in over 4.000 stocks listed on NASDAQ and NYSE. CHOOSE YOUR PAPARA CARD Pick the prepaid Papara Card that suits you best. → Papara Card: Choose one of five colors and request your free Papara Card instantly. Customize it with your own text, drawings, and icons. → Metal Card: Earn Cashback abroad with your personalized Metal Card made of 18 grams of stainless steel, available in three colors. → Sticker Card: Pop it out, stick it, make contactless payments in just one-step. No wallet needed! → Collection Card: Stand out with Batman Card, Joker Card, Harley Quinn Card, The Flash Card or Superman Card, inspired by DC Universe characters. → TS Card: Show your Trabzonspor passion everywhere. Enjoy fan privileges. → Voice Card: The world’s first audio card for the visually impaired—hear the amount and pay securely. → Virtual Card: Choose Mastercard, Visa, or TROY card scheme and create a Virtual Card, enjoy fast and secure online shopping. → Ghost Virtual Card: Eliminate risks completely with the single-use Ghost Card for online shopping. → Gift Card: Choose from hundreds of brands and send free Gift Cards to your loved ones. → Edu Card: The digital way to give an allowance. Track the student’s expenses in real time from your Papara account and send allowances 24/7 cost-free. EARN INSTANT CASH WITH PAPARA CASHBACK PROGRAM Spend at least 500 TL in total with your Papara Card across the current and previous calendar month, start earning instant cash at favorite brands monthly. Open your free account and verify it in just 3 minutes, and start experiencing the privileges of being a Papara user! PAPARA, NOT A BANK ------------------------------------------ Our contact numbers and e-mail address: www.papara.com 0850 340 0 340 destek@papara.com topluluk.papara.com Papara Elektronik Para A.Ş. (Central Registry Number: 0721043152900015) Papara is an electronic money and payment services organization authorized by the Banking Regulation and Supervision Agency (BRSA) in April 2016 and has been operating since then. Papara's commercial activities are strictly limited to the issuance of electronic money and fund transfers in accordance with Law No. 6493. Registered Address: Burhaniye Mah. Atilla Sok. No: 7-1, Üsküdar, Istanbul, Turkey, 34676

About

FUPS

Securely manage your finances with this app. Track budgets, make instant payments, send and receive money, and split expenses. Offers virtual and physical cards for convenient transactions and bill payments.

Highlights
  • Send and receive money via IBAN
  • QR Card for POS payments and ATM withdrawals
  • Split expenses before or after purchase
  • Secure in-app chat for financial coordination
  • Virtual card for secure recurring payments
  • Bill payments
  • Request money via payment link
Features
Read full description

Download FUPS, create your account in seconds, and securely manage your money. With FUPS, you can track your budget, make payments, send and receive money, split before expenses, and use social account. Send and Receive Money via IBAN • Instantly transfer up to 100,000 TRY to any bank account using your FUPS IBAN with no fees. • Use Easy Address instead of IBAN to send money via a phone number, email, ID number, tax number, foreign ID, or passport number. FUPS QR Card • Create instantly and start using it. • Make payments at POS terminals without a physical card and withdraw cash from ATMs easily. Upgrade to FUPS Premium • Verify your ID and become a Premium member in minutes to unlock all features and increase your limits. Easy Top-Up • Load money effortlessly using your credit or debit card, bank transfer, or by depositing cash at ATMs. Order Your FUPS Card • Get a personalized FUPS Card delivered to your address directly from the app. Social Account • Assign a shared spending limit to selected people. If they don’t use it, the money stays with you. Split Payment Before Expense • Collect shared payments before spending to avoid unexpected costs. Split Payment • Easily split expenses with others after making a purchase. Secure In-App Chat • Chat securely with friends or groups, send and receive money, set up shared payments, and request money all within the app. Twin Account • Use one card for two different accounts. Assign a separate PIN for your second account, and your spending will be directed accordingly. Smart Virtual Card • Ensure secure recurring payments with a FUPS Virtual Card. Set a custom limit, and the specified amount will be deducted on your chosen date. Pay Bills • Make fast and secure bill payments directly through the app. Withdraw Cash from ATMs • Withdraw cash from any ATM. Use the Dual Account feature to select which FUPS account you want to withdraw from. Request Money via Payment Link • Request money from non-FUPS users by sending a payment link. The recipient can enter their card details and send money easily. FUPS TR QR Code • FUPS now supports payment transactions with TR QR Code, ensuring full compatibility with all banks and payment institutions. With FUPS TR QR Code, you can: Transfer money to an IBAN Make merchant payments Process cancellations/refunds Pay with a card or directly from your account

Screenshots

Papara4 screens
FUPS4 screens

Verdict

The call

The clearest difference is rating: Papara at 4.8 against FUPS's 2.8. Papara also leads on ratings volume (5K vs 24) and review sentiment (43% vs 25%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Papara holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: Papara has 5K ratings behind it against 24, so its average is the more settled of the two. Written reviews point the same way: 43% of Papara's written reviews are positive against 25% of FUPS's.

UpkeepUpdate frequency

Papara ships an update fortnightly, FUPS every 2 weeks. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
Papara versus FUPS: the parameters behind the verdict, then further details
ParameterPaparaFUPS
PriceFreeFree
Rating4.8 (5K ratings) — better2.8 (24 ratings)
Positive reviews43.4% of reviews — better25.0% of reviews
Number of ratings5K — better24
Update frequencyFortnightly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.6
Further details — not scored
Size295 MB226 MB
Age rating4+4+
DeveloperPapara Elektronik Para A.SLydians Elektronik Para Hizmetleri A.S.

Customer experience

Papara

All ratings4,969 ratings
Positive95.5%
Neutral1.5%
Negative2.9%
Written reviews228 reviews
Positive43.4%
Neutral6.1%
Negative50.4%

FUPS

All ratings24 ratings
Positive45.8%
Neutral4.2%
Negative50.0%
Written reviews84 reviews
Positive25.0%
Neutral9.5%
Negative65.5%

User reviews

Papara

From 5K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast and reliable
  • 💳 Convenient payment options
  • 💰 Useful cashback features

Room to improve

  • 🐛 Face recognition issues
  • 🚫 Difficulty verifying accounts
  • 💸 Problems with money transfers
  • 🤖 Poor customer service

FUPS

From 24 App Store ratings

What we love

  • 👍 Easy and simple user interface
  • 🚀 Fast application performance
  • 💳 Multiple card types (real, unnamed, virtual)
  • 🔒 Detailed transaction security monitoring
  • 💰 No EFT time restrictions for transfers

Room to improve

  • ❌ Card declined frequently in-person and online
  • 🚫 Severe restrictions on standard account features
  • 💸 Money withdrawal/transfer limitations
  • 🔐 Account blocking without clear explanation
  • ⚠️ Premium account paywall for basic features

Bugs and requests

Papara

Reported bugs

4 issues
  • App crashes on newer devices
  • Verification process not working
  • Delayed card delivery
  • Incorrect transaction notifications

Requested features

4 requests
  • Add English language support
  • Integrate with bank accounts
  • Implement NFC payment option
  • Improve account deletion process

FUPS

Reported bugs

11 issues
  • Application crashes and won't open
  • Login failures and account access issues
  • 3D verification timeout errors on iOS
  • Password recovery not working
  • OTP not functioning on iOS
Show 6 more
  • Contactless payment malfunction
  • Endless loading screens after updates
  • Compatibility issues with iOS 17
  • App crashes after blue screen
  • Invalid email error for support contact
  • Transaction errors with specific merchants (PlayStation, Amazon, Apple)

Requested features

11 requests
  • Dark mode interface
  • Biometric login (Face ID/Touch ID)
  • Camera-based IBAN input instead of manual entry
  • Improved UI/interface redesign
  • Cashback and promotional campaigns
Show 6 more
  • Personal IBAN for free deposits
  • Partner bank agreements and discounts
  • Support for non-Turkish phone numbers
  • Support for non-Turkish ID verification
  • Restore previous account features
  • Monthly subscription tier instead of premium paywall

In-app purchases

None

Papara

No in-app purchases

None

FUPS

No in-app purchases

Questions

Is Papara free?
Papara is free to download, with no in-app purchases.
Is FUPS free?
FUPS is free to download, with no in-app purchases.
Which has better reviews, Papara or FUPS?
Papara is rated higher. Papara averages 4.8 out of 5 from 5K ratings, while FUPS averages 2.8 from 24 ratings.
Do Papara or FUPS have ads?
Neither Papara nor FUPS shows ads.
Which is updated more often, Papara or FUPS?
Papara ships an update fortnightly, and FUPS every 2 weeks. Most recently, Papara was updated on October 24, 2026 and FUPS on October 24, 2026.

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