HalkBank vs ÇaparPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HalkBank
This app allows users to pay for various services like mobile, internet, and IPTV. It also facilitates money transfers between cards and is designed for the "Altyn-Asyr" national bank card.
- Service payments (mobile, internet, IPTV)
- Credit payments
- Card-to-card money transfers
- Supports "Altyn-Asyr" national card
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Для подключения услуги обращайтесь в банк (с паспортом). В данный момент можно проводить оплаты TMcell, IPtv, Internet(ГТС, Телеком), домашний телефон и кредиты. Так же можно переводить деньги с одной карты на другую карту. Данная программа предназначена для национальной банковской карты "Алтын-Асыр".
ÇaparPay
This app simplifies payments and ticket purchases for various services in Turkmenistan. Users can buy train and plane tickets, pay utility bills, check and pay traffic fines, and manage courier services. It offers secure and automated transactions for all Turkmen bank cards.
- Train and airplane ticket purchases
- Utility bill payments (communication, TV, electricity, water, gas)
- Traffic fine checking and payment
- Courier service sending and tracking
- Home phone service balance checks (internet, IP-TV, phone)
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ÇaparPay – Siz Üçin Ähli Tölegler We Biletler! Siz üçin döredilen Çapar bilen, Türkmenistanyň islendik bank kartlaryndan peýdalanyp, otly we uçar biletlerini birkemsiz satyn alyp, durmuşyňyzyň ähli töleglerini ýeňil edip bilersiňiz. Aragatnaşyk, telewideniýe, elektroenergiýa, suw we tebigy gaz üçin tölegleri aňsatlyk bilen geçiriň; PÝGG-niň jerimelerini barlaň we gerek bolsa, şol ýerde töläň. Hatda ýollamalaryňyzy ÇaparPay bilen ugratmak we olaryň nirede ýerleşýändigini yzarlamak mümkindir! Öý telefonyňyz arkaly internet, IP-TW we telefon balanslaryňyzy kontrol ediň. Ählimiz üçin amatlylygy we howpsuzlygy birleşdirýän ÇaparPay, maglumatlaryňyz üçin iň täze gorag tehnologiýalaryny ulanýar. Awtomatiki we Howpsuz Tölegler – Diňe Çapar Bilen! ÇaparPay – Ваши Платежи и Билеты Легко и Просто! С ÇaparPay, ваше универсальное приложение для покупки билетов на поезд и самолет, оплаты услуг связи, телевидения, электричества, воды и природного газа. Все платежи теперь упрощены и автоматизированы для любых банковских карт Туркменистана. Смотрите штрафы ПДД и оплачивайте их прямо в приложении. Укажите ваш домашний телефон, чтобы просмотреть баланс интернета, IP-TV и телефона. ÇaparPay объединяет удобство и безопасность, используя последние технологии защиты ваших данных. Автоматизированные и Безопасные Платежи – Только с ÇaparPay! ÇaparPay – Your One-Stop Solution for Payments and Tickets! Introducing Çapar, your ultimate convenience in the palm of your hand! Effortlessly purchase train and airplane tickets, and manage payments for communication services, television, electricity, water, and natural gas—all through a single, intuitive application. With ÇaparPay, checking and paying traffic fines becomes straightforward, and courier services, along with package tracking, are at your fingertips. Input your home phone number to instantly view balances for internet, IP-TV, and phone services. Designed for everyone, ÇaparPay combines ease of use with unparalleled security, employing cutting-edge technology to protect your information. Automated and Secure Payments – Only With ÇaparPay!
Screenshots
Verdict
The clearest difference is rating: ÇaparPay at 4.7 against HalkBank's 1.0. ÇaparPay also leads on review sentiment (39% vs 0%) and update cadence (monthly vs every 12 months). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ÇaparPay holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: ÇaparPay has 89 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 0% of HalkBank's written reviews are positive against 39% of ÇaparPay's.
HalkBank ships an update every 12 months, ÇaparPay monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | HalkBank | ÇaparPay |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (3 ratings) | 4.7 (89 ratings) — better |
| Positive reviews | 0.0% of reviews | 39.5% of reviews — better |
| Number of ratings | 3 | 89 — better |
| Update frequency | Every 12 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 19 MB | 48 MB |
| Age rating | 4+ | 4+ |
| Developer | State Commercial Bank Halkbank | Turkmenpocta, PAK |
Customer experience
HalkBank
ÇaparPay
In-app purchases
HalkBank
No in-app purchases
ÇaparPay
No in-app purchases
