# Garanti BBVA Cep Şifrematik > Generates secure, single-use PINs for Garanti BBVA mobile and internet banking. (iPhone/iPad app by T. Garanti Bankasi A.S..) - Source: https://appshunter.io/ios/app/garanti-bbva-cep-sifrematik/id395939417 (this page in markdown: same URL + `.md`) - Developer: [T. Garanti Bankasi A.S.](https://appshunter.io/developer/395939420) - Category: Finance - Price: Free - Rating: 1.43/5 from 7 App Store ratings · 16 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 51 MB - Languages: English, Turkish - Released: 2010-10-21 - Data updated: 2026-08-24 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/garanti-bbva-cep-sifrematik/id395939417/reviews.md ## What is Garanti BBVA Cep Şifrematik? Cep Şifrematik is a “Single-use PIN” generating application that runs with a personalized PIN and provides additional security in your Garanti BBVA Mobile / Internet Banking transactions. Once you have performed your transactions on Mobile / Internet Banking with a PIN generated by Cep Şifrematik, neither you nor anyone else using Cep Şifrematik can use the same PIN again. Cep Şifrematik application is free and no fees will be reflected for using Cep Şifrematik. Transactions you can perform with Cep Şifrematik: Login to Garanti BBVA Mobile: Through this step, you can perform a quick login by being directed to Garanti BBVA Mobile. Generate PIN: Through this step, you can generate a single-use PIN for your Garanti BBVA Mobile and Internet Banking logins. During your login, you can use the PIN you have generated with your Cep Şifrematik in the step that requests your “PIN” after entering your customer number and password. Additional Confirmation: You can check and confirm the transaction information of “Money Transfer” transactions you perform through Garanti BBVA Mobile / Internet Banking. Additional Confirmation can be defined through Garanti BBVA Mobile / Internet Banking upon request and it can be only valid for transactions that involve an amount higher than the amount you have specified. Cep Şifrematik Activation: When you forget/lock your Cep Şifrematik PIN or if you need to activate your Cep Şifrematik, you can complete the process on the app. Settings: Through the “Settings” menu of your Cep Şifrematik, you can perform PIN Change and Synchronization transactions. ## Key features - Single-use PIN generation - Secure login to banking - Additional transaction confirmation - PIN management and activation - Enhanced security for banking ## Recent user reviews (10 of 16) All indexed reviews: https://appshunter.io/ios/app/garanti-bbva-cep-sifrematik/id395939417/reviews.md ### 1/5 — Korkunc! *2023-01-26* Yurt disi musterileri icin hicbir yardimi yok, musteri servisi korkunc. Yazik aldiginiz maasa! ### 1/5 — Çok kötü bir banka *2022-04-21* Berbat bir uygulama yurt dışından banka müşteri temsilcisine ulaşamıyorum şifre alamıyorum. Bir daha garanti ile çalışmayacağım ### 1/5 — Not working *2021-03-18* Passwords not accepted, when trying to sync it gives cert error ### 1/5 — Çalışmıyor *2021-01-04* Yurtdışı telefona indirildiğinde çalışmıyor. ### 4/5 — It works *2019-12-31* It works, but an update for iPhone screen size is warranted. ### 1/5 — Yurt disindan aktivasyon yapilamiyor *2016-10-01* Tuekiyede yerel numara ile sms gonderimi disinda aktivasyon imkani yok. Musteri hizmerlerine de yazdim ama iki yildir bu uygulamanin yurt disindan aktivasyonuna bir olanak saglayamadilar. Garantiye hic yakismiyor. ### 1/5 — Hata *2015-01-20* İşlem bildirimi çalışmıyor. Düzeltilmesi gerekiyor. ### 1/5 — Yurtdisinda calismiyor *2014-09-20* Uygulamayi aktif hale getirmek icin 3408'e mesaj atmak gerekiyor. Yurtdisindan bu mesaj atilamiyor. Bu yuzden bu uygulamanin hicbir anlami kalmiyor. ### 5/5 — Süper! *2012-06-28* Keske hersey bu kadar kolay olsa... 1-2 dakikada havale, transfer ve benzeri. ### 3/5 — Biraz daha gelistirilmeli *2012-06-19* Program kullanimi basit yalniz bazi ozellikleri eksik. - uretilen sifre kopyalana bilmeli, cunku telefon uzerinde diger bir ekrana akatarmak zor - cep subesi iccin gecis var ama e-trader icin bir gecis konulmamistir. - program islevinin basitligind ragmen program acilis suresi gereginden fazla uzun ## Frequently asked questions about Garanti BBVA Cep Şifrematik ### How does Garanti BBVA Cep Şifrematik enhance security? Garanti BBVA Cep Şifrematik generates unique, single-use PINs for your banking transactions. This prevents the reuse of PINs, adding an extra layer of security beyond your standard password for logins and money transfers. ### Is Garanti BBVA Cep Şifrematik free to use? Yes, the Garanti BBVA Cep Şifrematik application is completely free to use. No fees are charged for generating PINs or for any other services provided within the app. ### What types of transactions can be confirmed with Garanti BBVA Cep Şifrematik? You can use Garanti BBVA Cep Şifrematik for additional confirmation of 'Money Transfer' transactions. This feature can be configured in Garanti BBVA Mobile/Internet Banking to apply to transactions exceeding a specified amount. ### Can I change my PIN in Garanti BBVA Cep Şifrematik? Yes, you can change your PIN and perform synchronization transactions through the 'Settings' menu within the Garanti BBVA Cep Şifrematik application. ### What should I do if I forget my Garanti BBVA Cep Şifrematik PIN? If you forget or lock your PIN, or need to activate your Garanti BBVA Cep Şifrematik, you can complete the necessary process directly within the application. ### On which devices can I use Garanti BBVA Cep Şifrematik? Garanti BBVA Cep Şifrematik is available for iPhone and iPod devices. The app is designed for iOS operating systems. ### How often is Garanti BBVA Cep Şifrematik updated? The latest version of Garanti BBVA Cep Şifrematik is 4.6.5, which was last updated on April 2, 2026. Updates are released periodically to improve functionality and security. ### What is the age rating for Garanti BBVA Cep Şifrematik? Garanti BBVA Cep Şifrematik has an age rating of 4+. This indicates that the app is suitable for users aged four and above. ## Version history (last 5 releases) ### 4.6.7 — 2026-08-21 Performance improvements have been made. ### 4.6.6 — 2026-04-08 Performance improvements have been made. ### 4.6.5 — 2026-04-02 This update from Apple will improve the functionality of this app. No new features are included. Performance improvements have been made. ### 4.6.4 — 2025-06-17 Performance improvements have been made. ### 4.6.3 — 2025-05-20 Performance improvements have been made. ## Apps similar to Garanti BBVA Cep Şifrematik | App | Rating | Price | Category | | --- | --- | --- | --- | | [Türkiye Finans Mobile](https://appshunter.io/ios/app/turkiye-finans-mobile/id634936591) | 4.5 (469) | Free | Finance | | [CEPTETEB İŞTE](https://appshunter.io/ios/app/cepteteb-iste/id1480216973) | 4.5 (137) | Free | Finance | | [Garanti BBVA I-Trader](https://appshunter.io/ios/app/garanti-bbva-i-trader/id1550761462) | 3.3 (3) | Free | Finance | | [Garanti BBVA Romania](https://appshunter.io/ios/app/garanti-bbva-romania/id1047210740) | 2.3 (9) | Free | Finance | | [Garanti BBVA eTrader](https://appshunter.io/ios/app/garanti-bbva-etrader/id1671536174) | 5.0 (6) | Free | Finance | | [Anadolubank Mobil](https://appshunter.io/ios/app/anadolubank-mobil/id1441752495) | 5.0 (6) | Free | Finance | ## More apps by T. Garanti Bankasi A.S. - [Garanti BBVA Mobile](https://appshunter.io/ios/app/garanti-bbva-mobile/id521117624) - [BonusFlaş](https://appshunter.io/ios/app/bonusflas/id994503642) - [GarantiIR](https://appshunter.io/ios/app/garantiir/id1451120240) - [Garanti BBVA CepPOS](https://appshunter.io/ios/app/garanti-bbva-ceppos/id1645502726) All apps by T. Garanti Bankasi A.S.: https://appshunter.io/developer/395939420 ## Related topics [garanti bbva cep şifrematik](https://appshunter.io/ios/topics/garanti-bbva-cep-şifrematik) · [garanti bbva ceppos](https://appshunter.io/ios/topics/garanti-bbva-ceppos) · [garanti bbva emeklilik mobile](https://appshunter.io/ios/topics/garanti-bbva-emeklilik-mobile) · [garanti bbva etrader](https://appshunter.io/ios/topics/garanti-bbva-etrader) · [garanti bank sa](https://appshunter.io/ios/topics/garanti-bank-sa) · [bbva provincial](https://appshunter.io/ios/topics/bbva-provincial) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*