# Sipay vs Mükellef

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.

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

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.

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

## The numbers

| Metric | Sipay | Mükellef |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/mukellef/id1553886137/reviews)** |
| Number of ratings | **38** | 1 |
| Positive reviews | **72.7% of reviews** | 18.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 8 days** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 385 MB | 101 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) | [Mükellef Teknoloji A.Ş.](https://appshunter.io/developer/1693356629) |

## 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


### Mükellef

[App page](https://appshunter.io/ios/app/mukellef/id1553886137)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*