Comparison

Papara vs Tosla

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

Tosla

Easily send and receive money with friends, split expenses, and shop securely online or in-store. Enjoy instant digital cards and physical cards for global use, with exclusive campaigns and rewards.

Highlights
  • Free 24/7 money transfers
  • Split expenses with friends
  • Load money easily
  • Withdraw cash or transfer to bank
  • Shop with physical and digital cards
  • Earn rewards and cashback
  • Quick registration
Features
Read full description

Karşınızda Tosla! Arkadaşlar arasında para göndermenin en kolay, eğlenceli ve sosyal hali. Üstelik ücretsiz! Sen de hemen Tosla’yı indir ve toslamaya başla! Günün hangi saati olursa olsun arkadaşlarına para gönder ya da onlardan para iste. En sevdiğin uygulamalardan, internetten ve mağazalardan güvenle alışveriş yap. En eğlenceli notları sen yaz, arkadaşlarınla yaşa, arkadaşlarınla paylaş! Sana özel kampanyalarımızı da takip etmeyi unutma! • Hızlıca Kayıt Ol Tosla uygulamasını indir, cep telefonu ve e-posta adresini girerek kayıt ol. Ta taam! Sen de toslamaya hazırsın! • 7/24 & Ücretsiz Para Gönder Tosla ile zaman kısıtlarına ve masraf hesaplarına takılma. 7/24 arkadaşlarından para iste ve para gönder. Hem de ücretsiz! • Harca Bölüş Artık harcamalar kaybolmuyor, borçlar – alacaklar dert olmuyor! Arkadaşlarını seç, grubunu kur. Ortak harcamalarınızı Tosla takip etsin. Kim kime ne ödeyecek derdi kalmasın. Tosla ile 7/24 borcunu iste ya da gönder! • Kolayca Para Yükle Tosla hesabına para yüklemek çok kolay! Banka kartı ya da herhangi bir banka hesabından kolayca yükleme yapabilirsin. Banka müşterisi değil misin? Hiç önemli değil, tüm Akbank ATM’leri ücretsiz olarak emrinde! • Dilediğin Zaman Çek Paranı çekmek mi istedin, tabii hemen! Tüm Akbank ATM’lerinden nakit çek ya da paranı banka hesabına gönder. Tosla Kart’ın varsa, tüm ATM’ler emrinde. Burada her şey ücretsiz! • Tosla Kart ile Alışveriş Yap Tosla Kart’ın her yerde geçerli, hem hızlı hem güvenli! Borcu yok, kullanım ücreti yok. Tosla Kart’ını hemen al, Tosla bakiyeni kartınla kullan. Türkiye yetmedi mi? MasterCard logolu Tosla Kart’ın tüm dünyada geçerli! • Tosla Kart’ını Hemen Al Tosla uygulamasına gir, ismine özel Tosla Kart’ını adresine gönderelim. Dilersen TeknoSa, CarrefourSA, banabi ve hepsiburada’da da Tosla Kart’lar seni bekliyor! • Tosla Dijital Kartın Anında Cebinde! Dijital kartın anında Tosla hesabında! Dijital kartını anında internet alışverişlerinde, QR ve mobil temassız ödemelerinde hemen kullanmaya başla. Tosla kartınla yapacağın alışverişlerinden 450 TL’ye varan Tosback kazanmak için hemen Tosla uygulamasını indir, sen de tosla! Tosla hizmetlerini Bankacılık Düzenleme ve Denetleme Kurumu’ndan almış olduğu faaliyet izni ile sunuyor. Detaylı bilgi için internet sitemize de bir bak www.tosla.com Toslayanların eğlenceli dünyasına dahil olmak için sosyal medya hesaplarımızı da takip etmeyi unutma! • instagram/toslaapp • youtube/toslaapp • twitter/toslaapp • facebook/toslaapp

Screenshots

Tosla4 screens

Verdict

The call

The clearest difference is rating: Papara at 4.8 against Tosla's 3.2. Papara also leads on ratings volume (5K vs 66) and review sentiment (43% vs 21%). Tosla's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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 3.2. That said, the two scores are not equally well evidenced: Papara has 5K ratings behind it against 66, 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 21% of Tosla's.

UpkeepUpdate frequency

Papara ships an update fortnightly, Tosla monthly. The most recent releases landed on September 25, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
Papara versus Tosla: the parameters behind the verdict, then further details
ParameterPaparaTosla
PriceFreeFree
Rating4.8 (5K ratings) — better3.2 (66 ratings)
Positive reviews43.4% of reviews — better21.0% of reviews
Number of ratings5K — better66
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.013.0 — better
Further details — not scored
Size295 MB212 MB
Age rating4+4+
DeveloperPapara Elektronik Para A.SAKÖde

Customer experience

Papara

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

Tosla

All ratings66 ratings
Positive54.5%
Neutral1.5%
Negative43.9%
Written reviews81 reviews
Positive21.0%
Neutral4.9%
Negative74.1%

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

Tosla

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Papara

No in-app purchases

None

Tosla

No in-app purchases

Questions

Is Papara free?
Papara is free to download, with no in-app purchases.
Is Tosla free?
Tosla is free to download, with no in-app purchases.
Which has better reviews, Papara or Tosla?
Papara is rated higher. Papara averages 4.8 out of 5 from 5K ratings, while Tosla averages 3.2 from 66 ratings.
Do Papara or Tosla have ads?
Neither Papara nor Tosla shows ads.
Which is updated more often, Papara or Tosla?
Papara ships an update fortnightly, and Tosla monthly. Most recently, Papara was updated on September 25, 2026 and Tosla on September 21, 2026.

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