# Sipay > All-in-one finance app for spending, earning, and managing money without a bank account. (iPhone/iPad app by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI.) - Source: https://appshunter.io/ios/app/sipay/id1521140345 (this page in markdown: same URL + `.md`) - Developer: [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) - Category: Finance, Business - Price: Free - Rating: 4.60/5 from 38 App Store ratings · 11 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 386 MB - Languages: American English, Turkish - Released: 2020-07-07 - Data updated: 2026-08-15 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/sipay/id1521140345/reviews.md ## What is Sipay? Smart Finance with Sipay Take control of your spending today! Manage your entire financial life from one place with Sipay. Download the Sipay Mobile app, open your free account, and start using it with ease.Spend smart, earn as you go, and enjoy the freedom of managing your money your way! Discover the world of Sipay! Without the need for a traditional bank account or bank card, you can now shop online and in-store, make money transfers, pay bills, buy and sell gold and silver, access your Findeks Risk Report, and much more freely and securely across the globe! - Download the Sipay Mobile App - Complete identity verification in just 1 minute - Link your account with a Sipay Virtual Card or order your physical Sipay Card What can you do with Sipay? 1- Cash Withdrawal & Deposit: Withdraw and deposit money easily via partner ATMs 2- 24/7 Free Money Transfers: Send money anytime with Sipay IBAN and FAST with no transaction fees 3- Bill Payments: Pay your bills quickly and effortlessly 4- Findeks Risk Report: Get your first Findeks Risk Report free through Sipay 5-Precious Metal Trading: Buy and sell gold, silver, platinum, and palladium 6- Cashback Rewards: Instantly earn cashback from various brands and digital platforms 7- Sipay Card: Shop securely and quickly with contactless payment anywhere in the world 8- Open Banking: Manage all your bank accounts from one place 9- QR Transactions: Make POS payments, send, or request money via QR code completely free 10- International Money Transfers: Send money to nearly 100 countries across 6 continents within minutes your first transfer is free! Cashback Offers Make your digital platform payments with your Sipay Card and earn up to 40% cashback. New User Cashback Get up to ₺300 cashback with 40% instant refund on digital platform payments during your first 6 months. Platform-Specific Cashback Rates: Netflix, Spotify, Exxen, YouTube Premium, Amazon Prime, Max, Tabii – 40% App Store – 10% Grocery – 5% Games & Digital Codes – up to 30% Pharmacy – 25% PlayStation – 10% Steam – 10% Cambly – 10% Udemy – 10% VOI – 15% Yolcu360 – 10% Odamax – 5% Fitty – 25% Café & Restaurant – 10% Cosmetics – 10% MetropolCard – 4% Download Sipay now and open your free account. Start spending smart and earning cashback instantly! Smart finance starts with Sipay. Need help or have questions? www.sipay.com.tr ## Key features - Manage finances from one place - Online and in-store shopping - Money transfers and bill payments - Buy and sell gold/silver - Findeks Risk Report access - Cashback rewards - Open Banking integration ## Recent user reviews (10 of 11) All indexed reviews: https://appshunter.io/ios/app/sipay/id1521140345/reviews.md ### 4/5 — Inscription qu’à certaines heures *2026-08-01* J’édite mon premier avis car j’ai fini par réussir à m’inscrire après 2 semaines d’insistance. Il est tout à fait possible de se créer un compte. Mais il faut le faire à la bonne heure. Il semble y avoir une limite de comptes créés par jour ? Donc il faut être au taquet pour créer le sien, au reset des serveurs turcs. Pour ceux que ça intéresse, la carte virtuelle est bien acceptée dans l’app store ;) ### 1/5 — Scammed everyone *2025-11-11* This app have just scammed most of his clients They stopped every one account and they won’t make you withdraw your money in any way so you have just lost all your moneys Do not sign up with it they are scammers ### 5/5 — Merhaba *2025-10-09* Merhaba yabancılar için kaydır yapsa olurmu oturma izin yok Russia vatandaş? Turkiye numara var ### 3/5 — Good *2024-10-05* Please add otp option in-app ### 5/5 — Please add kuveyturk bank *2023-12-08* All Banks are added except kuveyturk bank so please add it to your app feature ### 5/5 — Comment *2023-08-29* It provides cashback facility in many popular apps ### 5/5 — çok iyi ve kullanışlı bir uygulama *2023-08-08* bütün işlemler çok hızlı ve güvenlik aşamaları çok iyi ### 5/5 — Çok iyi bir uygulama *2023-08-07* The pages are very beautiful and useful for everyone please follow or you will lose a lot of good stuff ### 5/5 — super *2023-07-26* Une application juste incroyable je vous le conseille fortement ### 5/5 — Süperrr *2023-07-26* Cok begendim ve çok öneriyorum ## Frequently asked questions about Sipay ### Is Sipay free to use? Yes, Sipay is a free application. Users can download the app and open a free account. There are no transaction fees for services like 24/7 money transfers via Sipay IBAN and FAST. ### What kind of transactions can I make with Sipay? With Sipay, you can withdraw and deposit cash, make free money transfers, pay bills, buy and sell precious metals like gold and silver, and make QR transactions. ### Does Sipay offer cashback rewards? Yes, Sipay offers cashback rewards. You can earn up to 40% cashback from various brands and digital platforms when making payments with your Sipay Card. New users can receive up to ₺300 cashback in their first 6 months. ### How secure is Sipay? Sipay emphasizes secure transactions. It allows you to shop online and in-store, make money transfers, and access financial reports freely and securely across the globe. ### Can I manage my existing bank accounts with Sipay? Yes, Sipay supports Open Banking, allowing you to manage all your existing bank accounts from one central place within the Sipay app. ### Does Sipay have ads? No, the Sipay application does not contain advertisements. ### What devices is Sipay available on? Sipay is available on iPhone, iPad, and iPod devices. ### How often is Sipay updated? The latest version of Sipay is 2.8.7, and it was last updated on November 14, 2025, indicating regular updates to the application. ## Version history (last 5 releases) ### 2.9.7 — 2026-08-13 We are pleased to introduce the latest update for Sipay, bringing enhancements inspired by your valuable feedback. This update includes: - Performance improvements and bug fixes have been made. Update Sipay now to take advantage of these new features! ### 2.9.6 — 2026-07-09 We are pleased to introduce the latest update for Sipay, bringing enhancements inspired by your valuable feedback. This update includes: - Performance improvements and bug fixes have been made. Update Sipay now to take advantage of these new features! ### 2.9.5 — 2026-07-08 We are pleased to introduce the latest update for Sipay, bringing enhancements inspired by your valuable feedback. This update includes: - Performance improvements and bug fixes have been made. Update Sipay now to take advantage of these new features! ### 2.9.4 — 2026-07-08 We are pleased to introduce the latest update for Sipay, bringing enhancements inspired by your valuable feedback. This update includes: - Performance improvements and bug fixes have been made. Update Sipay now to take advantage of these new features! ### 2.9.3 — 2026-07-01 We are pleased to introduce the latest update for Sipay, bringing enhancements inspired by your valuable feedback. This update includes: - Performance improvements and bug fixes have been made. Update Sipay now to take advantage of these new features! ## Apps similar to Sipay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Param: Receive & Spend Money](https://appshunter.io/ios/app/param-receive-and-spend-money/id1076585397) | 3.4 (15) | Free | Finance | | [Tosla](https://appshunter.io/ios/app/tosla/id1463160775) | 3.2 (65) | Free | Finance | | [Kliq App](https://appshunter.io/ios/app/kliq-app/id6466425254) | 5.0 (2) | Free | Finance | | [Ozan SuperApp](https://appshunter.io/ios/app/ozan-superapp/id1120101494) | 1.9 (58) | Free | Finance | | [FUPS](https://appshunter.io/ios/app/fups/id1529736037) | 2.8 (24) | Free | Finance | | [iyzico](https://appshunter.io/ios/app/iyzico/id1436467445) | 4.4 (43) | Free | Finance | ## More apps by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI - [Sipay Kurumsal](https://appshunter.io/ios/app/sipay-kurumsal/id1601033729) All apps by SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI: https://appshunter.io/developer/1519194677 ## Related topics [ozan](https://appshunter.io/ios/topics/ozan) · [withdrawal](https://appshunter.io/ios/topics/withdrawal) · [papara](https://appshunter.io/ios/topics/papara) --- *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 2026-08-15.*