# Sipay vs İARPlatform

The clearest difference is review sentiment: Sipay at 73% against İARPlatform's 23%. Sipay also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). İARPlatform'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.

İARPlatform 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 2, so its average is the more settled of the two. Written reviews complicate that: 73% of Sipay's written reviews are positive against 23% of İARPlatform'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, İARPlatform monthly. The most recent releases landed on September 22, 2026 and September 2, 2026 respectively.

## The numbers

| Metric | Sipay | İARPlatform |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/iarplatform/id6471565117/reviews)** |
| Number of ratings | **38** | 2 |
| Positive reviews | **72.7% of reviews** | 22.6% 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 | 174 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) | [ISTANBUL ALTIN RAFINERISI KIYMETLI METALLER TICARET ANONIM SIRKETI](https://appshunter.io/developer/1605643529) |

## 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


### İARPlatform

[App page](https://appshunter.io/ios/app/iarplatform/id6471565117)

This app facilitates secure and fast trading of physical gold and silver. Track real-time prices, execute trades instantly, and enjoy the convenience of buying and selling precious metals anytime, anywhere. It offers personalized notifications for target prices and secure payment options.

**Highlights:** Real-time gold prices, Instant buy/sell, Physical gold & silver trading, Secure payments, Personalized price notifications, User-friendly interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Ideal for small savings
- 👍 Good for quick buy/sell
- 👍 Easy to use interface
- 👍 Great for accumulating gold
- 👍 Good for buying gold at bazaar prices

**What reviewers complain about**

- 📉 High spreads (makas)
- 📉 Prices higher than banks
- 📉 Prices don't follow market trends
- 📉 Platform closes during price volatility
- 📉 High delivery/ADN costs

**Reported bugs**

- Cannot register / membership issues
- App crashes during transactions
- App closes during registration process
- ID scanning not working
- Face recognition issues

**Requested features**

- Allow buying gold/silver with foreign currency
- Create physical delivery points nationwide
- Add currency exchange trading
- Add quarter gold trading
- Add commodity trading


## Frequently asked questions

### Is Sipay free?

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

### Is İARPlatform free?

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

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

İARPlatform is rated higher. Sipay averages 4.6 out of 5 from 38 ratings, while İARPlatform averages 5.0 from 2 ratings.

### Do Sipay or İARPlatform have ads?

İARPlatform shows ads; Sipay does not.

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

Sipay ships an update every 8 days, and İARPlatform monthly. Most recently, Sipay was updated on September 22, 2026 and İARPlatform on September 2, 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.*