Comparison

Sipay vs Pokus

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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

About

Pokus

Manage your shopping, gaming, and entertainment expenses with this app. Easily split bills with friends, make 24/7 money transfers, and pay bills without any fees. Enjoy contactless payments and exclusive discounts from your favorite brands.

Highlights
  • 24/7 money transfers
  • Bill splitting
  • Contactless payments
  • Deferred payment options
  • Exclusive discounts and campaigns
  • Free bill payments
Features
Read full description

Pokus’la alışveriş, oyun, eğlence ya da fatura ödemelerini yapabilir,
arkadaşlarınla hesapları bölüşebilir,
7/24 para transferi gerçekleştirebilirsin!
Üstelik aidat  yok!

Hesabını oluşturmadan önce
ödemelere kolaylık getiren Pokus’un ayrıcalıklarını
yakından keşfet:

Diğer adı: Kolaylık!
13 yaş ve üzeriysen cep telefonu numaran ve e-mail adresinle birkaç adımda hesabını açıp ücretsiz olarak hemen kullanmaya başlayabilirsin. 

Aidat da neymiş?
Pokus kullanırken aidat ödemesi yapmazsın.
Kullandığın süre boyunca asla sürpriz bir ücretle karşılaşmazsın.

   İhtiyaçlarını değil ödemelerini ertele! Anlık ihtiyaçlarına hızlı ve pratik çözüm sunan Ekspres Hesap ile harcamanı şimdi , ödemeni ise Türk Telekom mobil faturan geldiğinde yaparsın. 
Temassızın rahatlığı Pokus’ta!
Sen alışverişlerini yaparken endişelenme, hızını da kaybetme diye Pokus Kart’ın temassız özellikli!
Üstelik 1.500 TL’ye kadar olan hiçbir işlemde şifre girmene de gerek yok!

Burada, şurada, orada!
İster sanal kartını ister Pokus Kart’ını alışverişten oyuna, yemekten eğlenceye hatta fatura ödemelerinde bile MasterCard ve Troy güvencesiyle her yerde kullanabilirsin!

 Ekspres Hesap ile hep hazır! Alışveriş yapmak istediğinde Pokus hesabına Ekspres Hesap ile bakiye yükle, harcamaların Türk Telekom faturana yansısın. Şimdi harca, sonra öde.           
Para transferinin saati olmaz!
Pokus’ta banka saati, EFT saati ya da ekran görüntüsüyle paylaşılan o upuzun IBAN’lar yok.
7 gün 24 saat, sen ne zaman istersen tam o an mobil şekilde para gönderebilir ya da para yatırabilirsin.
Para transferi için yapman gereken tek şey, rehberinden göndereceğin kişiyi seçip tutarı belirlemek! Tabii ki tamamen ücretsiz şekilde! 
Kazandıran kampanyalar hep seninle!
Oyundan giyime,
yeme içmeden seyahate kadar
çok sevdiğin markalarda
çok seveceğin indirimler, nakit hediyeler ve ayrıcalıklar Pokus’ta!

Hesabı Pokus Usulü ödüyoruz!
Hesap öderken yaşanan sen ne kadar yedin, ben ne kadar ödedim, kim ne kadar veriyor, cüzdanım nerede gibi dertler Pokus’ta yok.
Mobil uygulamadaki Harca Bölüş özelliğiyle Pokus’ta hesabı kolayca bölüşebilir, harcama tutarını kişiler arasında paylaştırabilirsin.

Fatura öde, komisyon ödeme!
Fatura ödemek için sıra beklemeyi, mesai saatlerini takip etmeyi hiç sevmiyoruz!
Ücretsiz şekilde su, doğalgaz, elektrik gibi kurum faturalarını dilediğin yerden Pokus’la hemen ödeyebilir ve ödediğin faturaları kaydedebilirsin!

Sen de hemen mobil e-para uygulaman Pokus’u indir,
yeni ödeme şeklinin ayrıcalıklarını yaşamaya başla!   Pokus’u kullanmak çok kolay! Pokus uygulamasını indirdikten sonra cep telefonu numaranla birkaç saniyede kaydolabilir ve Pokus’u hemen kullanmaya başlayabilirsin. Pokus hesabı oluşturduktan sonra e-para uygulaman kullanıma hazır. Ödemelerini kolayca yapmak için Pokus Kart’ını da hemen alabilirsin. İstersen uygulamaya gir, siparişini ver ismine özel Pokus Kart’ı adresine yollayalım; istersen pokus.com.tr adresinden siparişini ver. Daha detaylı bilgi için pokus.com.tr web sitemizi ziyaret edebilirsin veya 444 72 79 numaralı Müşteri Hizmetleri hattımızdan bize ulaşabilirsin.   Bize her zaman sosyal medya hesaplarımızdan da ulaşabilirsin. •https://www.facebook.com/pokustr   • https://www.instagram.com/pokustr/   • https://twitter.com/pokustr   •https://www.youtube.com/channel/UC6qrplUQVKxIBbsQOuB6LMg   Pokus, TT Ödeme ve Elektronik Para Hizmetleri A.Ş.’nin bir hizmetidir. TT Ödeme ve Elektronik Para Hizmetleri A.Ş. lisanslı ödeme ve elektronik para kuruluşudur. Bütün faaliyetler T.C. Merkez Bankası denetiminde ve gözetiminde gerçekleştirilmektedir.

Screenshots

Sipay4 screens
Pokus4 screens

Verdict

The call

The clearest difference is review sentiment: Sipay at 73% against Pokus's 18%. Sipay also leads on rating (4.6 vs 4.2) and update cadence (every 10 days vs every 6 weeks). Pokus's advantage is iOS requirement (12.0 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Sipay holds the better App Store score, 4.6 against 4.2. Both are backed by a comparable volume of ratings — 38 and 20 respectively. Written reviews point the same way: 73% of Sipay's written reviews are positive against 18% of Pokus's.

UpkeepUpdate frequency

Sipay ships an update every 10 days, Pokus every 6 weeks. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Sipay versus Pokus: the parameters behind the verdict, then further details
ParameterSipayPokus
PriceFreeFree
Rating4.6 (38 ratings) — better4.2 (20 ratings)
Positive reviews72.7% of reviews — better17.9% of reviews
Number of ratings38 — better20
Update frequencyEvery 10 days — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.612.0 — better
Further details — not scored
Size382 MB118 MB
Age rating4+4+
DeveloperSIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETITT Ödeme ve Elektronik Para Hizmetleri A.Ş.

Customer experience

Sipay

All ratings38 ratings
Positive89.5%
Neutral2.6%
Negative7.9%
Written reviews11 reviews
Positive72.7%
Neutral9.1%
Negative18.2%

Pokus

All ratings20 ratings
Positive80.0%
Neutral5.0%
Negative15.0%
Written reviews56 reviews
Positive17.9%
Neutral7.1%
Negative75.0%

Bugs and requests

Sipay

Not enough reviews yet to summarise bugs or requests.

Pokus

Reported bugs

16 issues
  • App crashes on startup
  • Login fails even with correct information
  • NFC reading not working
  • Cannot upload documents (e.g., residence permit)
  • App closes immediately after opening
Show 11 more
  • Verification process errors
  • Cannot create an account, error messages
  • Money transfer delays
  • Cannot withdraw money to bank account
  • App not working on specific iPhone models (e.g., iPhone 6, 5S)
  • Unable to log in despite having balance
  • Money not reflecting in account
  • App not opening after updates
  • Cannot complete account verification
  • Transaction errors
  • Refunds take too long

Requested features

8 requests
  • QR code payment system
  • NFC payment option
  • English language support
  • Higher transaction limits
  • Lower commission rates
Show 3 more
  • Improved verification process
  • Faster money transfers
  • Better customer support response

In-app purchases

None

Sipay

No in-app purchases

None

Pokus

No in-app purchases

Questions

Is Sipay free?
Sipay is free to download, with no in-app purchases.
Is Pokus free?
Pokus is free to download, with no in-app purchases.
Which has better reviews, Sipay or Pokus?
Sipay is rated higher. Sipay averages 4.6 out of 5 from 38 ratings, while Pokus averages 4.2 from 20 ratings.
Do Sipay or Pokus have ads?
Neither Sipay nor Pokus shows ads.
Which is updated more often, Sipay or Pokus?
Sipay ships an update every 10 days, and Pokus every 6 weeks. Most recently, Sipay was updated on October 24, 2026 and Pokus on October 24, 2026.

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