# Sipay vs FUPS

The clearest difference is review sentiment: Sipay at 73% against FUPS's 25%. Sipay also leads on rating (4.6 vs 2.8) and monetization model (free vs freemium). On price, ratings volume, update cadence and ads 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 2.8. Both are backed by a comparable volume of ratings — 38 and 24 respectively. Written reviews point the same way: 73% of Sipay's written reviews are positive against 25% of FUPS's.

Sipay ships an update every 10 days, FUPS every 2 weeks. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Sipay | FUPS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews)** | [2.8 (24 ratings)](https://appshunter.io/ios/app/fups/id1529736037/reviews) |
| Number of ratings | **38** | 24 |
| Positive reviews | **72.7% of reviews** | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 2 weeks |
| Monetization | **Free** | Freemium |
| Size | 385 MB | 226 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) | [Lydians Elektronik Para Hizmetleri A.S.](https://appshunter.io/developer/1481444249) |

## What reviewers say

### 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


### FUPS

[App page](https://appshunter.io/ios/app/fups/id1529736037)

Securely manage your finances with this app. Track budgets, make instant payments, send and receive money, and split expenses. Offers virtual and physical cards for convenient transactions and bill payments.

**Highlights:** Send and receive money via IBAN, QR Card for POS payments and ATM withdrawals, Split expenses before or after purchase, Secure in-app chat for financial coordination, Virtual card for secure recurring payments, Bill payments, Request money via payment link

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and simple user interface
- 🚀 Fast application performance
- 💳 Multiple card types (real, unnamed, virtual)
- 🔒 Detailed transaction security monitoring
- 💰 No EFT time restrictions for transfers

**What reviewers complain about**

- ❌ Card declined frequently in-person and online
- 🚫 Severe restrictions on standard account features
- 💸 Money withdrawal/transfer limitations
- 🔐 Account blocking without clear explanation
- ⚠️ Premium account paywall for basic features

**Reported bugs**

- Application crashes and won't open
- Login failures and account access issues
- 3D verification timeout errors on iOS
- Password recovery not working
- OTP not functioning on iOS

**Requested features**

- Dark mode interface
- Biometric login (Face ID/Touch ID)
- Camera-based IBAN input instead of manual entry
- Improved UI/interface redesign
- Cashback and promotional campaigns


## Frequently asked questions

### Is Sipay free?

Sipay is free to download, with no in-app purchases.

### Is FUPS free?

FUPS is free to download, with no in-app purchases.

### Which has better reviews, Sipay or FUPS?

Sipay is rated higher. Sipay averages 4.6 out of 5 from 38 ratings, while FUPS averages 2.8 from 24 ratings.

### Do Sipay or FUPS have ads?

Neither Sipay nor FUPS shows ads.

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

Sipay ships an update every 10 days, and FUPS every 2 weeks. Most recently, Sipay was updated on October 27, 2026 and FUPS on October 24, 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.*