# HalkBank vs ÇaparPay

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.

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.

## The numbers

| Metric | HalkBank | ÇaparPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (3 ratings)](https://appshunter.io/ios/app/halkbank/id1340991559/reviews) | **[4.7 (89 ratings)](https://appshunter.io/ios/app/caparpay/id1564491971/reviews)** |
| Number of ratings | 3 | **89** |
| Positive reviews | 0.0% of reviews | **39.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Monthly** |
| Monetization | Free | Free |
| Size | 19 MB | 48 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [State Commercial Bank Halkbank](https://appshunter.io/developer/1340991558) | [Turkmenpocta, PAK](https://appshunter.io/developer/1577521462) |

## What reviewers say

### HalkBank

[App page](https://appshunter.io/ios/app/halkbank/id1340991559)

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.

**Highlights:** Service payments (mobile, internet, IPTV), Credit payments, Card-to-card money transfers, Supports "Altyn-Asyr" national card

**Features:** macOS Compatibility

**In-app purchases:** none


### ÇaparPay

[App page](https://appshunter.io/ios/app/caparpay/id1564491971)

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.

**Highlights:** 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)

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HalkBank free?

HalkBank is free to download, with no in-app purchases.

### Is ÇaparPay free?

ÇaparPay is free to download, with no in-app purchases.

### Which has better reviews, HalkBank or ÇaparPay?

ÇaparPay is rated higher. HalkBank averages 1.0 out of 5 from 3 ratings, while ÇaparPay averages 4.7 from 89 ratings.

### Do HalkBank or ÇaparPay have ads?

Neither HalkBank nor ÇaparPay shows ads.

### Which is updated more often, HalkBank or ÇaparPay?

HalkBank ships an update every 12 months, and ÇaparPay monthly. Most recently, HalkBank was updated on October 24, 2026 and ÇaparPay on October 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*