Tosla vs Sipay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Tosla
Easily send and receive money with friends, split expenses, and shop securely online or in-store. Enjoy instant digital cards and physical cards for global use, with exclusive campaigns and rewards.
- Free 24/7 money transfers
- Split expenses with friends
- Load money easily
- Withdraw cash or transfer to bank
- Shop with physical and digital cards
- Earn rewards and cashback
- Quick registration
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Karşınızda Tosla! Arkadaşlar arasında para göndermenin en kolay, eğlenceli ve sosyal hali. Üstelik ücretsiz! Sen de hemen Tosla’yı indir ve toslamaya başla! Günün hangi saati olursa olsun arkadaşlarına para gönder ya da onlardan para iste. En sevdiğin uygulamalardan, internetten ve mağazalardan güvenle alışveriş yap. En eğlenceli notları sen yaz, arkadaşlarınla yaşa, arkadaşlarınla paylaş! Sana özel kampanyalarımızı da takip etmeyi unutma! • Hızlıca Kayıt Ol Tosla uygulamasını indir, cep telefonu ve e-posta adresini girerek kayıt ol. Ta taam! Sen de toslamaya hazırsın! • 7/24 & Ücretsiz Para Gönder Tosla ile zaman kısıtlarına ve masraf hesaplarına takılma. 7/24 arkadaşlarından para iste ve para gönder. Hem de ücretsiz! • Harca Bölüş Artık harcamalar kaybolmuyor, borçlar – alacaklar dert olmuyor! Arkadaşlarını seç, grubunu kur. Ortak harcamalarınızı Tosla takip etsin. Kim kime ne ödeyecek derdi kalmasın. Tosla ile 7/24 borcunu iste ya da gönder! • Kolayca Para Yükle Tosla hesabına para yüklemek çok kolay! Banka kartı ya da herhangi bir banka hesabından kolayca yükleme yapabilirsin. Banka müşterisi değil misin? Hiç önemli değil, tüm Akbank ATM’leri ücretsiz olarak emrinde! • Dilediğin Zaman Çek Paranı çekmek mi istedin, tabii hemen! Tüm Akbank ATM’lerinden nakit çek ya da paranı banka hesabına gönder. Tosla Kart’ın varsa, tüm ATM’ler emrinde. Burada her şey ücretsiz! • Tosla Kart ile Alışveriş Yap Tosla Kart’ın her yerde geçerli, hem hızlı hem güvenli! Borcu yok, kullanım ücreti yok. Tosla Kart’ını hemen al, Tosla bakiyeni kartınla kullan. Türkiye yetmedi mi? MasterCard logolu Tosla Kart’ın tüm dünyada geçerli! • Tosla Kart’ını Hemen Al Tosla uygulamasına gir, ismine özel Tosla Kart’ını adresine gönderelim. Dilersen TeknoSa, CarrefourSA, banabi ve hepsiburada’da da Tosla Kart’lar seni bekliyor! • Tosla Dijital Kartın Anında Cebinde! Dijital kartın anında Tosla hesabında! Dijital kartını anında internet alışverişlerinde, QR ve mobil temassız ödemelerinde hemen kullanmaya başla. Tosla kartınla yapacağın alışverişlerinden 450 TL’ye varan Tosback kazanmak için hemen Tosla uygulamasını indir, sen de tosla! Tosla hizmetlerini Bankacılık Düzenleme ve Denetleme Kurumu’ndan almış olduğu faaliyet izni ile sunuyor. Detaylı bilgi için internet sitemize de bir bak www.tosla.com Toslayanların eğlenceli dünyasına dahil olmak için sosyal medya hesaplarımızı da takip etmeyi unutma! • instagram/toslaapp • youtube/toslaapp • twitter/toslaapp • facebook/toslaapp
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.
- 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
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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
Verdict
The clearest difference is review sentiment: Sipay at 73% against Tosla's 21%. Sipay also leads on rating (4.6 vs 3.2) and update cadence (every 8 days vs monthly). Tosla's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, ads and in-app purchases 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.
Sipay holds the better App Store score, 4.6 against 3.2. Both are backed by a comparable volume of ratings — 66 and 38 respectively. Written reviews point the same way: 21% of Tosla's written reviews are positive against 73% of Sipay's.
Tosla ships an update monthly, Sipay every 8 days. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.
| Parameter | Tosla | Sipay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (66 ratings) | 4.6 (38 ratings) — better |
| Positive reviews | 21.0% of reviews | 72.7% of reviews — better |
| Number of ratings | 66 — better | 38 |
| Update frequency | Monthly | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 212 MB | 385 MB |
| Age rating | 4+ | 4+ |
| Developer | AKÖde | SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI |
Customer experience
Tosla
Sipay
In-app purchases
Tosla
No in-app purchases
Sipay
No in-app purchases







