# Sipay vs S1lkPay

The clearest difference is rating: Sipay at 4.6 against S1lkPay's 3.5. Sipay also leads on ads (none vs shown) and review sentiment (73% vs 38%). On price, ratings volume, update cadence and in-app purchases 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 3.5. Both are backed by a comparable volume of ratings — 38 and 21 respectively. Written reviews point the same way: 73% of Sipay's written reviews are positive against 38% of S1lkPay's.

Sipay ships an update every 10 days, S1lkPay every 3 weeks. The most recent releases landed on October 27, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Sipay | S1lkPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews)** | [3.5 (21 ratings)](https://appshunter.io/ios/app/s1lkpay/id1579807258/reviews) |
| Number of ratings | **38** | 21 |
| Positive reviews | **72.7% of reviews** | 38.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 10 days** | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 385 MB | 243 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) | [S1LK, TOO](https://appshunter.io/developer/1474328358) |

## 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


### S1lkPay

[App page](https://appshunter.io/ios/app/s1lkpay/id1579807258)

A secure digital wallet and payment app for effortless financial transactions. Manage bills, shop online, and send money with a virtual prepaid card and expense tracking.

**Highlights:** Instant digital payment card, Secure mobile money transfer, Family finance management, Expense tracker, Multi-currency account, Card control features

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Sipay free?

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

### Is S1lkPay free?

S1lkPay is free to download, with no in-app purchases.

### Which has better reviews, Sipay or S1lkPay?

Sipay is rated higher. Sipay averages 4.6 out of 5 from 38 ratings, while S1lkPay averages 3.5 from 21 ratings.

### Do Sipay or S1lkPay have ads?

S1lkPay shows ads; Sipay does not.

### Which is updated more often, Sipay or S1lkPay?

Sipay ships an update every 10 days, and S1lkPay every 3 weeks. Most recently, Sipay was updated on October 27, 2026 and S1lkPay on October 15, 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.*