# PeP vs Sipay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | PeP | Sipay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (23 ratings)](https://appshunter.io/ios/app/pep/id1382214732/reviews) | **[4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews)** |
| Number of ratings | 23 | **38** |
| Positive reviews | 25.0% of reviews | **72.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | **Every 8 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 259 MB | 385 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [PALADYUM ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1382214731) | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) |

## What reviewers say

### PeP

[App page](https://appshunter.io/ios/app/pep/id1382214732)

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:** macOS Compatibility

**In-app purchases:** none


### Sipay

[App page](https://appshunter.io/ios/app/sipay/id1521140345)

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

**In-app purchases:** none


## Frequently asked 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.

---

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