Comparison

İşCep vs Papara

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

İşCep

This mobile banking application provides a comprehensive suite of features for personal and corporate customers. It allows for quick PIN definition, easy banking transactions with English support, and a clear overview of financial status. Users can also withdraw cash via QR code, apply for loans remotely, and locate nearby branches and ATMs.

Highlights
  • Instant PIN definition
  • English language support for transactions
  • Financial status overview
  • QR code ATM cash withdrawal
  • Quick loan application
  • Branch and ATM locator
  • Call center connection
Features
Read full description

İşCep, Turkey's first and the most comprehensive mobile banking app, offers many new and innovative features for personal and corporate customers to ease their everyday life. · Quickly define new customer PIN by using your Customer Number via “Instant PIN” option · Easily perform a wide variety of banking transactions with English support · Take a look at your financial status examining your assets and debt at first glance · Access transactions to be performed with the simple menu structure and option to search transactions · Easily withdraw cash from ATMs (Bankamatiks) using QR Code and from new generation digital ATMs (İşCepMatiks) using QR code or Beacon technology · Apply for a personal loan without visiting branches or signing a document via “Quick Loan” option · Connect directly to “call center” from home page · Find the nearest branch and ATMs via “Nearest İşbank” option · We will integrate with the health app (HealthKit) if you agree to join Geleceğe Orman and give permission to step counter mission to read and track your steps data. Then you can be awarded with daily carbon points to reach the sappling goal. For your comments and suggestions, you can contact us through “Contact Us ”page on isbank.com.tr or İşCepsocial media accounts.

About

Papara

Manage your money with a digital account offering fast, affordable financial services. Make payments, invest, save, and send money globally. Enjoy instant cashback and a variety of customizable cards for all your spending needs.

Highlights
  • Free account opening
  • Instant cashback rewards
  • Cost-free money transfers
  • Bill payments and expense tracking
  • Savings and investment accounts
  • Global money transfers
  • Multiple card options
Features
Read full description

Fast, simple, affordable and enjoyable financial services are on Papara! Download now, open your free account in seconds. Simply deposit money and start using instantly: make your payments, manage your budget, invest and save! JOIN OVER 23 MILLION PAPARA USERS → With Papara Card, spend worldwide and online without debt. → Earn instant Cashback as you spend. → Make money transfers cost-free 24/7. → Receive money to your account from all banks 24/7 with your Papara IBAN. → Simply pay your bills with Papara. Pay simply, track your monthly expenses with graphs! If you wish, place automatic payment orders and save time. → Top up your travel cards in seconds, 24/7. → Save money freely with a Savings Account. Set goals and track your progress. → Open Precious Metals Account and buy/sell gold, silver, and platinum 24/7. → Send money to over 100 countries within minutes. Receive transfers from abroad. → Chat with friends using the familiar messaging experience. → Split expenses and request money simply. → Deposit/withdraw cash from any ATM, make POS payments, and accept payments via QR. → Track your expenses with graphs, manage your budget. ENTER THE WORLD OF INVESTING WITH PAPARA INVEST → Swipe through Accounts section to view Investment Account, and open your account in seconds. → Even without opening Investment Account, you can monitor the stock market with real-time data, add stocks to your watchlist, and simply track market trends. → Buy/sell dollars at advantageous exchange rates, transfer money from your bank. → Even with just $1, become a shareholder of global giants like Apple, Tesla, Amazon, Microsoft, and Google. Invest in over 4.000 stocks listed on NASDAQ and NYSE. CHOOSE YOUR PAPARA CARD Pick the prepaid Papara Card that suits you best. → Papara Card: Choose one of five colors and request your free Papara Card instantly. Customize it with your own text, drawings, and icons. → Metal Card: Earn Cashback abroad with your personalized Metal Card made of 18 grams of stainless steel, available in three colors. → Sticker Card: Pop it out, stick it, make contactless payments in just one-step. No wallet needed! → Collection Card: Stand out with Batman Card, Joker Card, Harley Quinn Card, The Flash Card or Superman Card, inspired by DC Universe characters. → TS Card: Show your Trabzonspor passion everywhere. Enjoy fan privileges. → Voice Card: The world’s first audio card for the visually impaired—hear the amount and pay securely. → Virtual Card: Choose Mastercard, Visa, or TROY card scheme and create a Virtual Card, enjoy fast and secure online shopping. → Ghost Virtual Card: Eliminate risks completely with the single-use Ghost Card for online shopping. → Gift Card: Choose from hundreds of brands and send free Gift Cards to your loved ones. → Edu Card: The digital way to give an allowance. Track the student’s expenses in real time from your Papara account and send allowances 24/7 cost-free. EARN INSTANT CASH WITH PAPARA CASHBACK PROGRAM Spend at least 500 TL in total with your Papara Card across the current and previous calendar month, start earning instant cash at favorite brands monthly. Open your free account and verify it in just 3 minutes, and start experiencing the privileges of being a Papara user! PAPARA, NOT A BANK ------------------------------------------ Our contact numbers and e-mail address: www.papara.com 0850 340 0 340 destek@papara.com topluluk.papara.com Papara Elektronik Para A.Ş. (Central Registry Number: 0721043152900015) Papara is an electronic money and payment services organization authorized by the Banking Regulation and Supervision Agency (BRSA) in April 2016 and has been operating since then. Papara's commercial activities are strictly limited to the issuance of electronic money and fund transfers in accordance with Law No. 6493. Registered Address: Burhaniye Mah. Atilla Sok. No: 7-1, Üsküdar, Istanbul, Turkey, 34676

Screenshots

İşCep4 screens
Papara4 screens

Verdict

The call

İşCep and Papara both sit at 4.7 stars, but that hides the real split: 65% of İşCep's written reviews are positive against 43% of Papara's. İşCep also leads on ratings volume (26K vs 5K). Papara's advantage is update cadence (fortnightly vs monthly). On price, rating, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for İşCep against 4.8 for Papara. That said, the two scores are not equally well evidenced: İşCep has 26K ratings behind it against 5K, so its average is the more settled of the two. Written reviews are what separate them: 65% of İşCep's written reviews are positive against 43% of Papara's.

UpkeepUpdate frequency

İşCep ships an update monthly, Papara fortnightly. The most recent releases landed on September 25, 2026 and September 13, 2026 respectively.

Scorecard3 real differences · 7 level
İşCep versus Papara: the parameters behind the verdict, then further details
ParameterİşCepPapara
PriceFreeFree
Rating4.7 (26K ratings)4.8 (5K ratings) — better
Positive reviews64.9% of reviews — better43.4% of reviews
Number of ratings26K — better5K
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPod, Apple WatchiPhone, iPad, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size542 MB295 MB
Age rating4+4+
DeveloperTürkiye İş Bankası A.Ş.Papara Elektronik Para A.S

Customer experience

İşCep

All ratings25,697 ratings
Positive92.8%
Neutral2.4%
Negative4.8%
Written reviews598 reviews
Positive64.9%
Neutral4.7%
Negative30.4%

Papara

All ratings4,969 ratings
Positive95.5%
Neutral1.5%
Negative2.9%
Written reviews228 reviews
Positive43.4%
Neutral6.1%
Negative50.4%

User reviews

İşCep

From 26K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast and efficient
  • 🔒 Secure banking
  • 💡 Practical features
  • 👍 User-friendly interface

Room to improve

  • 🐛 Bugs and crashes
  • 🔍 Complicated login process
  • 🔍 Difficult to navigate
  • 🔍 Outdated design
  • 🔍 Unreliable performance

Papara

From 5K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast and reliable
  • 💳 Convenient payment options
  • 💰 Useful cashback features

Room to improve

  • 🐛 Face recognition issues
  • 🚫 Difficulty verifying accounts
  • 💸 Problems with money transfers
  • 🤖 Poor customer service

Bugs and requests

İşCep

Reported bugs

5 issues
  • Login issues for users outside Turkey
  • Frequent crashes and technical problems
  • Inability to update phone number or reactivate app
  • Incorrect account information display
  • Unresponsive customer service

Requested features

5 requests
  • Biometric login (e.g., fingerprint, face recognition)
  • Improved international accessibility
  • Currency conversion and transfer features
  • Dedicated tablet/iPad app
  • Enhanced customer support

Papara

Reported bugs

4 issues
  • App crashes on newer devices
  • Verification process not working
  • Delayed card delivery
  • Incorrect transaction notifications

Requested features

4 requests
  • Add English language support
  • Integrate with bank accounts
  • Implement NFC payment option
  • Improve account deletion process

In-app purchases

None

İşCep

No in-app purchases

None

Papara

No in-app purchases

Questions

Is İşCep free?
İşCep is free to download, with no in-app purchases.
Is Papara free?
Papara is free to download, with no in-app purchases.
Which has better reviews, İşCep or Papara?
Papara is rated higher. İşCep averages 4.7 out of 5 from 26K ratings, while Papara averages 4.8 from 5K ratings.
Do İşCep or Papara have ads?
Neither İşCep nor Papara shows ads.
Which is updated more often, İşCep or Papara?
İşCep ships an update monthly, and Papara fortnightly. Most recently, İşCep was updated on September 25, 2026 and Papara on September 13, 2026.

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