



Every year, Turkey hosts tens of thousands of international students from many countries around the world.
But studying in a new country is not only an academic process. It also requires managing all the situations that will be encountered in everyday life. One of the most important points in this process is the sustainable management of financial needs.
Financial access for international students covers much more than money transfers. A student who starts studying and living in Turkey or in a different country wants to be able to control their budget, plan their daily expenses, and manage all their physical and online expenses with ease.

In addition to international money transfer;
• Keep track of daily expenses
• Seamlessly carry out online and physical purchases
• Pay bills (internet, electricity, water, etc.)
• Upload TL to mobile lines,
• Manage digital platform subscriptions (Netflix, Spotify, YouTube, etc.)
All these processes directly affect the quality of life of students studying in Turkey. Because problems or delays in financial transactions can affect students not only economically, but also psychologically.
One of the biggest problems for international students who have just arrived in Turkey is the lack of easy access to financial transactions from the first days. Because students often have to deal with both bureaucratic processes and different banking systems at the same time.
One of the common problems in Turkey for international students is that they have to carry out their daily expenses in cash due to reasons such as the difficulty of opening a bank account and having a card, or the fact that their international cards are not valid at all points.
The main reasons for them are:
- the fact that opening a bank account can take time, and the necessary documents (residence, student certificate, etc.) may not be immediately ready,
- The coercive procedures that banks apply against foreign students in some cases
For these reasons, carrying cash by students creates both a security risk for students and complicates their daily lives.
Another problem faced by international students in Turkey is the possibility that their international cards may not always work in harmony with the POS systems and online payment infrastructures in Turkey. This problem, on the other hand, is concentrated in the following points:
• Overseas cards not working on some POS devices
• Verification problems in online purchases (3D Secure)
• Card rejection on digital platform subscriptions and online spending
These problems also limit students' access to digital services.
A large proportion of international students cover their living expenses with the support they receive from their families. However, the process of sending money to Turkey may not always be quick and easy.
With financial support from families, the following problems are most often encountered:
• High commission fees
• Long transfer times
• Non-transparent deductions
Financial access for international students is not only about receiving money; it is about being able to use the money received without problems in everyday life. Another important need for students is that financial transactions can be managed through a single platform.
Fintech solutions go beyond traditional banking at this point, offering solutions suitable for student life.
UPTION is a digital finance application developed so that international students can manage their financial needs in Turkey through a single application. Students studying in Turkey can become a member in seconds by downloading Uption from their app stores. After becoming a member, they carry out account verification with the necessary documents, thus gaining unlimited access to the account.

Students who have an UPTION account get all of the following benefits with UPTION;
Students can receive money transfers sent to their name from abroad to Turkey instantly to their accounts with the “Account” feature offered by Uption. They can also get their payments from all over Europe instantly to their accounts with the EUR IBANs they can have by opening the European Account features, for only a fixed €3 transaction fee.
Full shipping to 176 countries, name shipping, card shipping, and digital wallets They can send money transfers with affordable costs by choosing from options such as.
Electricity, water, natural gasi can easily pay all of your many bills with UPTION. This service, on the other hand, eliminates the need to go to bill payment institutions with cash or search for different platforms.
It can quickly retrieve all game pins and digital codes, from entertainment to grocery shopping, education to TV platforms and popular games. Thanks to this convenience, the most popular game pins and digital codes that are needed can be accessed through a single platform, UPTION, and there are no cases such as credit card rejection or card invalidity abroad.
From Netflix to Spotify, HBO Max to YouTube Premium Up to multiple digital platform subscription payments can be made seamlessly with the UPTION Card. Cash back up to a total of 410 TL per month from monthly digital platform subscriptions can be earned.
Students can safely realize their spending in Turkey and all over the world with UPTION Cardsr. UPTION Card provides students with a reliable experience by reducing the need to carry cash.
UPTION not only facilitates financial transactions in Turkey for international students, but also provides additional benefits to its users with periodic campaigns.
Within the scope of UPTION campaigns:
• Campaigned fees on money transfers
• Advantageous transactions in digital payments
• Special opportunities are offered that support the daily use of students.
Current promotions and deals can be followed through the UPTION app and UPTION's social media accounts.
UPTION aims to provide all the financial transactions students will need in one application, from daily expenses, money transfer, bill payment, to being able to easily make all digital platform subscription payments without purchasing game pins and digital codes.