# Tosla vs Sipay

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.

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.

## The numbers

| Metric | Tosla | Sipay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (66 ratings)](https://appshunter.io/ios/app/tosla/id1463160775/reviews) | **[4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews)** |
| Number of ratings | **66** | 38 |
| Positive reviews | 21.0% of reviews | **72.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 8 days** |
| Monetization | Free | Free |
| Size | 212 MB | 385 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [AKÖde](https://appshunter.io/developer/1458106078) | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) |

## What reviewers say

### Tosla

[App page](https://appshunter.io/ios/app/tosla/id1463160775)

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.

**Highlights:** 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

**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 Tosla free?

Tosla 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, Tosla or Sipay?

Sipay is rated higher. Tosla averages 3.2 out of 5 from 66 ratings, while Sipay averages 4.6 from 38 ratings.

### Do Tosla or Sipay have ads?

Neither Tosla nor Sipay shows ads.

### Which is updated more often, Tosla or Sipay?

Tosla ships an update monthly, and Sipay every 8 days. Most recently, Tosla was updated on September 21, 2026 and Sipay on September 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.*