Sipay vs Kliq

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

Kliq is a digital wallet that brings everything you need to send money, receive money, shop with your card, and manage everyday payments together in one app. Make international money transfers with Western Union, send money instantly 24/7 with FAST, shop with your Mastercard-branded Kliq Card, pay your bills, and buy digital gaming codes. Plus, you can open a Kliq account instantly without needing a traditional bank account. • Send and Receive Money Internationally with Western Union Kliq is the first digital wallet in Türkiye to offer Western Union integration. Send money securely to over 200 countries and territories in minutes, and receive money sent to you from abroad directly into your Kliq account. Transfer money to Germany, the UK, the USA, France, Azerbaijan, Uzbekistan, Pakistan, the Philippines, and many more countries in USD, EUR, GBP, and other supported currencies. • Instant Money Transfers with FAST, 24/7 Every Kliq account comes with its own IBAN. Send and receive money in seconds, anytime, day or night, using the Central Bank of Türkiye's FAST instant payment system. Transfer money using an IBAN, mobile phone number, QR code, or Kliq ID. Plus, transfers between Kliq accounts are free! • Spend What You Have with Your Kliq Card Create your Mastercard-branded virtual Kliq Card directly in the app and start shopping online instantly. Use your contactless physical Kliq Card to pay securely in stores. No debt, no overspending. Spend only what's available in your account. You're always in control! • Pay, Send, and Withdraw Cash with FAST TR QR Code Simply scan a QR code to make payments, send money, request money, or withdraw cash from ATMs. Fast, easy, and secure. • Request Money with Ease Request money from friends, family, or anyone you choose in seconds. Create and track your payment requests directly in the Kliq app. • Pay Your Bills Easily Pay your electricity, water, natural gas, internet, mobile phone, and digital TV bills quickly, all in one place. Make everyday payments easier with Kliq. • Gaming Codes, Digital PINs & Subscriptions Choose from popular gaming codes, gift cards, and digital subscriptions, and purchase them instantly using your Kliq balance. • Add Money & Withdraw Cash Top up your Kliq account using a debit or credit card, or visit one of nearly 2,000 BPN agent locations across Türkiye. Withdraw your money whenever you need it. • Join Kliq in Minutes Download the app and sign up in just a few simple steps. Upgrade your account through remote identity verification in the app or at a BPN agent location to unlock higher transaction limits. Kliq is available in both Turkish and English. Learn more: www.kliq.com.tr Support: destek@kliq.com.tr | +90 850 305 36 66 Kliq is a brand of BPN Ödeme ve Elektronik Para Hizmetleri A.Ş. BPN Ödeme ve Elektronik Para Hizmetleri A.Ş. is an electronic money and payment services institution authorized by the Central Bank of the Republic of Türkiye (CBRT) to issue electronic money under Law No. 6493 on Payment and Securities