Comparison

Cepte Cardif vs Clinklo

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

Head to head
About

Cepte Cardif

Access and manage your pension fund contracts and life insurance policies on the go. View detailed savings, interest, coverage amounts, and contribution history. Perform transactions like changing payments or fund distribution, and use a simulator to predict future savings.

Highlights
  • View pension fund details
  • Manage life insurance policies
  • Track savings and interest
  • Review coverage amounts
  • Simulator for future savings
  • Change monthly payments
  • Adjust fund distribution
Features
Read full description

This is hybrid application for our retail customers to reach their products in our company anytime anywhere thru their smart phone. With this application, customers can view detailed information about their pension fund contracts and life insurance policies. To mention briefly; application has two main homepages and some submenus. Pension funds and Insurance Policies. In the pension funds homepage, customers can view total numbers in a dashboard about their products such as the amount of total savings and gained interest etc. In the insurance home page, they can see the types and total amounts of coverages their policies provide. In the subpages, for pension funds, detailed information like monthly contribution, additional one time contributions, government contribution etc. can be found. For insurance products , details like amount of coverage per policy , amount of premium and payment history etc. can be found in the insurance submenu. Three transaction can be performed in total which are all related to pension funds contracts. Changing the amount of monthly payment , changing the fund distribution in a pension funds contract, taking the request of cancellation for a funds contract within the first two months. In addition to these features, application also includes a simulator for customers to predict the total savings for a pension funds contract by inputting different parameters i.e. starting age, retirement age, monthly and additional interim payments.

About

Clinklo

Features
Read full description

Clinklo, farklı kurumlardaki tüm yatırımlarını tek bir ekranda toplayan bir portföy takip uygulamasıdır. Pozisyonlarını manuel olarak girersin; Clinklo güncel fiyatlarla portföyünün değerini, kâr/zararını ve varlık dağılımını otomatik hesaplar. NELER YAPABİLİRSİN • Tüm varlıklarını tek panelde gör: net değer, dağılım donut'u ve zaman içindeki performans • 6 varlık türünü takip et: TEFAS fonları, BIST hisseleri, ABD hisseleri, altın (gram/çeyrek/yarım/tam/cumhuriyet), gümüş ve döviz (USD/EUR/GBP) • Çoklu cüzdan: kendin, eşin veya ailen için ayrı cüzdanlar oluştur; birlikte ya da ayrı ayrı izle • Otomatik fiyatlandırma: TEFAS, BIST, TCMB ve uluslararası piyasalardan güncel veriler • Fon analizleri: binlerce TEFAS fonunu ara; getiri, risk, büyüklük ve yatırımcı sayısına göre incele • Performans grafiği: portföyünü BIST 100, altın, dolar ve para piyasası ile karşılaştır • TL/USD görünüm, Türkçe ve İngilizce dil desteği • Face ID ile kilit ve cihazlar arası güvenli senkronizasyon GİZLİLİK VE GÜVENLİK Clinklo bir aracı kurum değildir; paranıza dokunmaz, alım veya satım yapmaz. Verileriniz Avrupa Birliği merkezli sunucularda KVKK uyumlu şekilde saklanır. Hesabını dilediğin zaman uygulama içinden silebilirsin. CLINKLO PLUS Sınırsız pozisyon, sınırsız cüzdan, gelişmiş fon analizleri ve akıllı bildirimler için Plus aboneliğine geçebilirsin. Abonelik aylık veya yıllık olarak otomatik yenilenir; dilediğin zaman App Store ayarlarından iptal edebilirsin. ÖNEMLİ Clinklo yalnızca bilgilendirme ve takip amaçlıdır; yatırım danışmanlığı ya da alım/satım önerisi sunmaz, SPK lisansı altında faaliyet göstermez. Yatırım kararlarının sorumluluğu sana aittir. Kullanım Koşulları (EULA): https://clinklo.com/legal/kullanici-sozlesmesi Gizlilik Politikası: https://clinklo.com/legal/gizlilik-politikasi

Screenshots

Cepte Cardif4 screens
Clinklo4 screens

Verdict

The call

The clearest difference is in-app purchases: Cepte Cardif at none against Clinklo's 2. Clinklo's advantage is update cadence (every 5 days vs every 3 months). On price, ads, device support and iOS requirement 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. Clinklo sells 2 in-app purchases, starting at $4.99 per month. Cepte Cardif asks for nothing beyond the download.

UpkeepUpdate frequency

Cepte Cardif ships an update every 3 months, Clinklo every 5 days. The most recent releases landed on October 7, 2026 and October 5, 2026 respectively.

Scorecard2 real differences · 8 level
Cepte Cardif versus Clinklo: the parameters behind the verdict, then further details
ParameterCepte CardifClinklo
PriceFreeFree
Rating1.0 (1 ratings) — better—
Positive reviews11.8% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size14 MB43 MB
Age rating4+4+
DeveloperBnp Paribas Cardif TurkiyeZace Tech OÜ

In-app purchases

None

Cepte Cardif

No in-app purchases

2 purchases

Clinklo

Subscriptions2
  • Clinklo Plus(Monthly)$4.991 Month
  • Clinklo Plus (Yearly)$39.991 Year

Questions

Is Cepte Cardif free?
Cepte Cardif is free to download, with no in-app purchases.
Is Clinklo free?
Clinklo is free to download, with in-app purchases available.
Do Cepte Cardif or Clinklo have ads?
Neither Cepte Cardif nor Clinklo shows ads.
Which is updated more often, Cepte Cardif or Clinklo?
Cepte Cardif ships an update every 3 months, and Clinklo every 5 days. Most recently, Cepte Cardif was updated on October 7, 2026 and Clinklo on October 5, 2026.

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