Comparison

PeP vs Sipay

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

Head to head
About

PeP

Manage your finances with a user-friendly app that allows global money transfers, secure online shopping with virtual cards, and cashback rewards. Access instant loans and earn loyalty points for flights.

Highlights
  • Global money transfers to 65 countries
  • Secure virtual Visa cards for online shopping
  • Cashback rewards on purchases
  • Instant loans up to 50,000 TL
  • PeP Pegasus BolBol Card for flight rewards
  • Secure access with SMS OTP
Features
Read full description

Hızlı ve güvenli finansal işlemlerin için PeP yanında! Hemen PeP’i indir, saniyeler içinde hesabını ücretsiz oluştur ve kullanmaya başla! Güvenli alışverişlerin için PeP Kart’ın yanında! Fiziki ve sanal PeP Kart’ını hem fiziki hem de online alışverişlerinde güvenle kullanabilirsin. Online alışverişlerde, her işlemde numarası değişen sanal PeP Kart sayesinde kart bilgilerin korunur. Üstelik mobil üzerinden kartına harcama limiti belirleyebilir, toplam alışveriş tutarını kontrol altına alarak bütçeni kolayca yönetebilirsin. PeP Pegasus BolBol Kart’la BolPuan kazan! Türkiye’nin BolPuan kazandıran ilk ön ödemeli kartı PeP Pegasus BolBol Kart’la yapacağın harcamalardan bolpuan kazanabilirsin. Kazandığın BolPuanlarla Pegasus’un web sitesi veya mobil uygulaması üzerinden yurt içi ya da yurt dışı uçak bileti alabilirsin. PeP Kart’la harcadıkça kazan! PeP Ödül Programı ile nakit iade (cashback) kazanmak çok kolay! Mobil uygulamamızda ve web sitemizde duyurulan kampanyalara katılarak yaptığın alışverişlerden her ay nakit iade kazanabilirsin. Güvenli ve hızlı uluslararası para transferi PeP’te! PeP hesabından Avrupa ve İngiltere dahil birçok ülkeye €/£/$/₺ döviz seçenekleriyle para gönderebilir ve hesabına para alabilirsin. Üstelik her ay yapacağın 300 €/£'a kadar olan ilk para transferi ücretsiz! PeP Mobil’le finansal kolaylık cebinde! • Banka hesabından, başkasına ait banka hesabından, Banka/Kredi kartı ve yurt dışından PeP hesabına para yükleyebilirsin. • PeP hesabından başka bir PeP hesabına, banka hesabına, kredi kartına ve isme para gönderebilirsin. • Cep telefonu, uluslararası para al seçenekleriyle yurt dışından PeP hesabına kolayca para alabilirsin. • Çok para birimli hesap özelliğiyle, €/£/$/₺ cinsinden döviz hesabı açabilirsin. Döviz hesabın yoksa, hesabına gelen döviz türüne ait hesap otomatik olarak açılır; aynı şey para gönderdiğinde de geçerlidir. • Ücretsiz değerli maden hesabı açarak minimum 0,01 gram alış tutarıyla altın, gümüş ve platin yatırımına başlayabilirsin. • Kapsamlı sigorta ürünleriyle öngörülemeyen durumlara karşı kendini ve sevdiklerini güvence altına alabilirsin. PeP, Paladyum Elektronik Para ve Ödeme Hizmetleri A.Ş.’nin tescilli markasıdır. 13.07.2017 tarihinde Bankacılık Düzenleme ve Denetleme Kurulu’ndan lisans almış, Türkiye Cumhuriyet Merkez Bankası mevzuatına tabi bir Elektronik Para Kuruluşudur. PeP hesabınızda bulunan bakiyeniz, TCMB mevzuatı güvencesinde koruma altındadır. Müşteri Hizmetleri E- posta: destek@peple.com.tr Telefon: 0850 450 50 40 Web sitesi: www.peple.com.tr Adres Bilgileri: Maslak Mahallesi Bilim Sokak Sun Plaza Blok No:5/A İç Kapı No: 24 Sarıyer / İstanbul

About

Sipay

Manage your finances from one place without a traditional bank account. Perform transactions like bill payments, money transfers, and precious metal trading securely. Earn cashback rewards on various purchases and access your financial reports.

Highlights
  • 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
Read full description

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

Screenshots

PeP4 screens
Sipay4 screens

Verdict

The call

The clearest difference is review sentiment: Sipay at 73% against PeP's 25%. Sipay also leads on rating (4.6 vs 2.6) and ads (none vs shown). PeP's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, 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

Sipay holds the better App Store score, 4.6 against 2.6. Both are backed by a comparable volume of ratings — 23 and 38 respectively. Written reviews point the same way: 25% of PeP's written reviews are positive against 73% of Sipay's.

UpkeepUpdate frequency

PeP ships an update every 5 weeks, Sipay every 8 days. The most recent releases landed on September 9, 2026 and September 22, 2026 respectively.

Scorecard6 real differences · 4 level
PeP versus Sipay: the parameters behind the verdict, then further details
ParameterPePSipay
PriceFreeFree
Rating2.6 (23 ratings)4.6 (38 ratings) — better
Positive reviews25.0% of reviews72.7% of reviews — better
Number of ratings2338 — better
Update frequencyEvery 5 weeksEvery 8 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.6
Further details — not scored
Size259 MB385 MB
Age rating17+4+
DeveloperPALADYUM ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETISIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI

Customer experience

PeP

All ratings23 ratings
Positive34.8%
Neutral13.0%
Negative52.2%
Written reviews8 reviews
Positive25.0%
Neutral12.5%
Negative62.5%

Sipay

All ratings38 ratings
Positive89.5%
Neutral2.6%
Negative7.9%
Written reviews11 reviews
Positive72.7%
Neutral9.1%
Negative18.2%

In-app purchases

None

PeP

No in-app purchases

None

Sipay

No in-app purchases

Questions

Is PeP free?
PeP is free to download, with no in-app purchases.
Is Sipay free?
Sipay is free to download, with no in-app purchases.
Which has better reviews, PeP or Sipay?
Sipay is rated higher. PeP averages 2.6 out of 5 from 23 ratings, while Sipay averages 4.6 from 38 ratings.
Do PeP or Sipay have ads?
PeP shows ads; Sipay does not.
Which is updated more often, PeP or Sipay?
PeP ships an update every 5 weeks, and Sipay every 8 days. Most recently, PeP was updated on September 9, 2026 and Sipay on September 22, 2026.

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