OlduBil vs Sipay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
OlduBil
This app provides a prepaid MasterCard for easy financial transactions, even without a bank account. It allows for online and in-store shopping, bill payments, and money transfers. Users can also access special discounts and cashback offers.
- Prepaid MasterCard
- Online and in-store shopping
- Utility bill payments
- 24/7 money transfers
- Virtual and physical card options
- Discounts and cashback
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OlduBil is a MasterCard licensed prepaid card and mobile application that allows you to perform many financial transactions quickly and easily. Even if you don’t have a bank account, you can shop online and in all workplaces with OlduBil. You can quickly and easily pay your utility bills for free and transfer money 24/7. There are no expenses such as account maintenance fees at OlduBil. With OlduBil, you can withdraw the money in your account whenever you want via banks and PTT ATMs in Turkey. Download the app now to take advantage of OlduBil’s special discounts and cashback benefits! OlduBil Application and Advantages of OlduBil Card - Quick and easy account creation. - Owning a virtual card as soon as you download the application. - The advantage of getting more discounts and cashbacks on shopping. - Easely sending and receiving money 24/7 even if you don’t have a bank account. - Possibility of paying utility bills for free, even in installments. - Possibility of sending and receiving money 24/7 with QR code. Create Account in just 1 Minute You can register to OlduBil in 1 minute with just your name, surname and phone number, and you can start using your virtual card right away. OlduBil Virtual Card is with you as soon as you register the application! With your Mastercard licensed prepaid virtual card, you can shop easily and safely online and at all workplaces. You can use your OlduBil card anywhere in the world where Mastercard is valid. If you want, you can request a physical card from within the application or you can obtain your card from contracted sales points. It’s Easy to Manage Your Account with OlduBil! From the “My Wallet” tab in the application, you can track your card transactions 24/7 and manage your balance. It is also very easy to transfer money, deposit, pay bills and make QR transactions from this menu! Earn More Discounts and Cashback on Your Shopping With your OlduBil prepaid card, you can benefit from numerous advantages and discounts for both yourself and your family. You can get instant cashback with collaborations exclusive to OlduBil. You can track all your account transactions and your current balance from your app. With your OlduBil prepaid card, you can make shopping more advantageous and enjoyable. Make Money Transfer 24/7 Even If You Don’t Have a Bank Account With OlduBil, you don’t need a bank account to send and receive money 24/7. By entering the card or phone number of the OlduBil users you want to send money to in the application, you can send money 24/7 and take advantage of the fast and free money transfer. Spend as much as You Deposit With Your OlduBil Prepaid Card With your OlduBil prepaid card, you can deposit as much money as you want into your account. Thus, you have complete control of the money in your card. Pay Bills From Wherever You Are With OlduBil, you can pay your all utility bills instantly and safely for free, without waiting in queue, and you can even pay your bills in installments. Easily Send Money to Your Child, Track Their Spending With OlduBil, you can create a separate account for your child, easily send your child’s pocket money, track your expenses and prevent contact with money. Make Your Payments With Your OlduBil Contectless Card Without Carrying Money You can make all your payments with your OlduBil contactless card in a hygienic way. Deposit and Withdraw Money From Anywhere You can deposit money on your OlduBil card from your bank account, credit card, all banks and PTT ATMs, and withdraw the money in your account from ATMs. Download the application, register quickly and easily to take advantage of all these advantages and more with OlduBil prepaid card.
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 OlduBil's 15%. Sipay also leads on rating (4.6 vs 2.6) and monetization model (free vs free with in-app purchases). OlduBil's advantage is ratings volume (140 vs 38) and iOS requirement (13.0 vs 15.6). On price, ads, 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
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 — 140 and 38 respectively. Written reviews point the same way: 15% of OlduBil's written reviews are positive against 73% of Sipay's.
OlduBil ships an update every 5 weeks, Sipay every 8 days. The most recent releases landed on October 11, 2026 and October 9, 2026 respectively.
| Parameter | OlduBil | Sipay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (140 ratings) | 4.6 (38 ratings) — better |
| Positive reviews | 15.1% of reviews | 72.7% of reviews — better |
| Number of ratings | 140 — better | 38 |
| Update frequency | Every 5 weeks | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 137 MB | 385 MB |
| Age rating | 4+ | 4+ |
| Developer | OlduBil | SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI |
Customer experience
OlduBil
Sipay
Bugs and requests
OlduBil
Reported bugs
18 issues- Cannot register with non-Turkish numbers
- Verification SMS not received
- App crashes on opening
- Money transfer issues (deposits/withdrawals)
- Account blocking without notice
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- Inactivity fees implemented
- Cannot use balance for services
- Support is unresponsive or unhelpful
- App not working after updates
- Login issues with specific number formats (e.g., Belarusian)
- Error (-1) when opening app
- Cannot purchase subscriptions (e.g., PlayStation Store)
- Card not working for payments
- Funds not credited after transfer
- Account deletion requests ignored
- High commission fees charged
- IBAN deposit issues
- App not working with VPN
Requested features
5 requests- Add Saudi number support
- Add Kuwait phone number support
- Add Iraqi number support
- Add Tajikistan support
- Increase limit of 2750
Sipay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
OlduBil
No in-app purchases
Sipay
No in-app purchases







