Sipay vs SaveFlow
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sipay
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.
- 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
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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
SaveFlow
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SaveFlow helps you set savings goals, track your budget, and build better saving habits. Want to save money but find it difficult to stay focused on your goals? SaveFlow is a modern budget and savings tracker designed to make your saving journey more organized, motivating, and easy to follow. Create a savings goal, set your target amount and deadline, and easily record your savings. SaveFlow helps you see how close you are to reaching your goals and track your progress along the way. With SaveFlow, you can: • Create personalized savings goals • Set target amounts and deadlines • Easily record your savings • Track your total savings and remaining amount • Visualize your savings progress • Follow your daily savings targets • Build saving streaks and stay motivated • Unlock achievements and earn badges • Develop better saving and budgeting habits • Manage your financial goals in one place Whether you're saving for a new phone, a vacation, a special purchase, or your future, SaveFlow helps you stay focused and keep track of your journey toward your goals. Grow your savings one step at a time, monitor your progress, and stay motivated to reach your financial goals. Start your savings journey today with SaveFlow: Budget Tracker! Note: SaveFlow is not a bank, investment, or payment application. It is designed to help users track savings goals and savings entries that they manually record in the app. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Sipay at none against SaveFlow's 2. On price, update cadence, ads and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. SaveFlow sells 2 in-app purchases, starting at $4.99 per month. Sipay asks for nothing beyond the download.
Sipay ships an update every 8 days, SaveFlow weekly. The most recent releases landed on September 22, 2026 and October 12, 2026 respectively.
| Parameter | Sipay | SaveFlow |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (38 ratings) — better | — |
| Positive reviews | 72.7% of reviews | — |
| Number of ratings | 38 — better | — |
| Update frequency | Every 8 days | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 385 MB | 42 MB |
| Age rating | 4+ | 4+ |
| Developer | SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI | Muhammed Bekir Bostanci |
In-app purchases
Sipay
No in-app purchases
SaveFlow
- SaveFlow Premium Monthly$4.991 Month
- SaveFlow Premium Yearly$29.991 Year









