Comparison

Sipay vs Mükellef

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

Mükellef

Establish and manage your company finances seamlessly from your mobile device. This app offers company formation, financial tracking, and access to additional business services. Grow your business with integrated tools and support.

Highlights
  • Online company formation and management
  • View company details and documents
  • Access to additional business services
  • Track payments and access accounting software
  • Upload receipts and invoices
  • Tax notifications and calendar integration
  • Apply for loans and financing
Features
Read full description

Mükellef Mobil ile tüm şirket kuruluş ve finansal işlemlerinizi hızlı ve güvenli bir şekilde gerçekleştirin. Mükellef’in sunduğu bütün özelliklerden yararlanabileceğiniz mobil uygulamamız ile hayallerinizdeki şirketi cep telefonunuzdan kurun, yönetin ve büyütün. Size özel indirimlerden ve avantajlardan yararlanmak için uygulamayı hemen indirin! *Mobil uygulama üzerinden online olarak şirket kurma ve yönetme kolaylığı, *Mükellef hesabınızda kayıtlı şirket bilgilerinizi ve dokümanlarınızı görüntüleme, *Marka tescil, sanal ofis, KOSGEB danışmanlığı gibi ihtiyaç duyabileceğiniz ilave hizmetler, *Mükellef ödemelerinizi kolayca takip etme, *Online ön muhasebe yazılımına uygulama içinden erişim, *Fotoğraflarını çekerek toplu halde fiş ve fatura yükleme, *Vergilerle ilgili anlık bildirimler, *Şirketiniz için önemli tarihleri takip edebilmenizi sağlayan takvim entegrasyonu, *Ön onaylı kredi başvurusu yapabilme, *Acil nakit ihtiyaçlarınız için e-fatura finansmanına erişim, *Chat kanalı üzerinden canlı destek, *Mükellef sanal kartınız ile yapacağınız alışverişlerde daha fazla indirim ve nakit iadesi kazanma.

Screenshots

Sipay4 screens
Mükellef4 screens

Verdict

The call

The clearest difference is review sentiment: Sipay at 73% against Mükellef's 19%. Sipay also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Mükellef's advantage is rating (5.0 vs 4.6). On price, in-app purchases, device support and iOS requirement 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

Mükellef holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Sipay has 38 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 73% of Sipay's written reviews are positive against 19% of Mükellef's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Sipay ships an update every 8 days, Mükellef monthly. The most recent releases landed on October 9, 2026 and October 16, 2026 respectively.

Scorecard6 real differences · 4 level
Sipay versus Mükellef: the parameters behind the verdict, then further details
ParameterSipayMükellef
PriceFreeFree
Rating4.6 (38 ratings)5.0 (1 ratings) — better
Positive reviews72.7% of reviews — better18.5% of reviews
Number of ratings38 — better1
Update frequencyEvery 8 days — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size385 MB101 MB
Age rating4+17+
DeveloperSIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETIMükellef Teknoloji A.Ş.

Customer experience

Sipay

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

Mükellef

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews27 reviews
Positive18.5%
Neutral7.4%
Negative74.1%

In-app purchases

None

Sipay

No in-app purchases

None

Mükellef

No in-app purchases

Questions

Is Sipay free?
Sipay is free to download, with no in-app purchases.
Is Mükellef free?
Mükellef is free to download, with no in-app purchases.
Which has better reviews, Sipay or Mükellef?
Mükellef is rated higher. Sipay averages 4.6 out of 5 from 38 ratings, while Mükellef averages 5.0 from 1 ratings.
Do Sipay or Mükellef have ads?
Mükellef shows ads; Sipay does not.
Which is updated more often, Sipay or Mükellef?
Sipay ships an update every 8 days, and Mükellef monthly. Most recently, Sipay was updated on October 9, 2026 and Mükellef on October 16, 2026.

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