# Sipay vs Kliq App

The clearest difference is rating: Sipay at 4.6 against Kliq App's 3.7. Sipay also leads on review sentiment (73% vs 54%) and ratings volume (38 vs 3). On price, update cadence, ads 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 3.7. That said, the two scores are not equally well evidenced: Sipay has 38 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 73% of Sipay's written reviews are positive against 54% of Kliq App's.

Sipay ships an update every 10 days, Kliq App every 3 weeks. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Sipay | Kliq App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/kliq-app/id6466425254/reviews) |
| Number of ratings | **38** | 3 |
| Positive reviews | **72.7% of reviews** | 53.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 385 MB | 135 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) | [BPN Ödeme ve Elektronik Para Hizmetleri A.Ş.](https://appshunter.io/developer/1707367902) |

## 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


### Kliq App

[App page](https://appshunter.io/ios/app/kliq-app/id6466425254)

This digital wallet simplifies your financial life by enabling money transfers, payments, and budgeting. It offers international remittances via Western Union, a Mastercard-branded card for spending, and instant local transfers.

**Highlights:** International money transfers via Western Union, Mastercard-branded Kliq Card for spending, FAST money transfers and QR payments, Payment requests, Bill payments, Digital game and subscription code purchases, Access to physical service network via BPN agents

**In-app purchases:** none


## Frequently asked questions

### Is Sipay free?

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

### Is Kliq App free?

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

### Which has better reviews, Sipay or Kliq App?

Sipay is rated higher. Sipay averages 4.6 out of 5 from 38 ratings, while Kliq App averages 3.7 from 3 ratings.

### Do Sipay or Kliq App have ads?

Neither Sipay nor Kliq App shows ads.

### Which is updated more often, Sipay or Kliq App?

Sipay ships an update every 10 days, and Kliq App every 3 weeks. Most recently, Sipay was updated on November 3, 2026 and Kliq App on November 4, 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.*