Sipay vs Hane App

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

HANE helps families, couples, and roommates manage money together — in one place, with clear visibility into who spent what. CREATE YOUR HOUSEHOLD • Start a household or join with an invite code • Share wallets, transactions, and budgets with members you trust • Optional private transactions when you need personal entries TRACK SPENDING • Record income and expenses with categories and notes • Split shared costs among members and see who owes whom • Scan receipts with your camera for faster entry • Multiple wallets and currencies for real-life setups PLAN AHEAD • Monthly household budgets with progress tracking • Savings goals — vacation, emergency fund, big purchases • Recurring subscriptions that post to your transaction list on due dates • Fixed monthly expenses (rent, utilities) shared across the household • Debts — track money you owe or money owed to you INSIGHTS & CONTROL • Charts and analytics by category and member • Push alerts for household activity (when enabled) • Optional Face ID / fingerprint lock for sensitive areas • Export transactions to CSV for Excel or Google Sheets INTERNET & OFFLINE • Internet is required to sign in, sync your household, and use budgets, goals, debts, subscriptions, and analytics. • After sign in, limited offline mode lets you view recently cached transactions and queue add/edit/delete until you are back online. HANE does not hold your money and does not move funds between bank accounts. It is a planning and tracking tool for shared household finances. Questions? Visit our support page from Settings in the app.