Comparison

İşCep vs Paycell

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

Paycell

A digital wallet for secure transactions, including shopping, money transfers, bill payments, and QR code purchases. Earn points on spending, access instant cash solutions with a ready limit, and enjoy special financial perks.

Highlights
  • Secure digital wallet
  • Money transfers (IBAN/phone)
  • Bill payments
  • QR code transactions
  • Earn reward points
  • Virtual prepaid card
  • Instant cash solutions (Ready Limit)
Features
Read full description

The new generation digital wallet Paycell and its advanced technologies are with you so that you can safely perform all your transactions, from shopping to money transfer, from QR code transactions to paying bills. Use Paycell to earn points while making your transactions, find instant solutions to your cash needs with the advantage of Ready to Use Limit, and benefit from special perks for all your financial needs! Paycell's Special Advantages for You ● Opportunity to start using it without dealing with the application process. ● The fast-shopping experience for everyone regardless of operator and age limit. ● The ability to make bill payments from anywhere, anytime, without waiting in line. ● Freedom to shop from anywhere with Paycell, a ready-to-use virtual card with a prepaid card feature. ● Shopping experience with individually defined limits at contracted Paycell points. ● Advantageous shopping everywhere with hundreds of different campaigns. ● The practicality of transferring money to IBAN or mobile phone numbers anytime, anywhere. ● Ease of making the next purchases faster by saving all the debit and credit cards you use. ● Opportunity to load balance to IstanbulKart; TL and packages to your Turkcell line. ● Being able to gift yourself or your friends by quickly getting gift cards from dozens of different brands. Earn As You Spend with Paycell You can earn points for all transactions you make with Paycell. By saving the points you earn, you can turn them into an internet package via Hediye Dünyam. Customized Ready Limit (Hazır Limit) A special limit is granted for you in the digital wallet Paycell. You can use the granted Ready Limit whenever you want. Paycell Ready Limit is always with you from shopping to cash needs. You can easily use this limit with a QR code or phone number at the contracted points. Also, you can use your Turkcell bill to pay back the expenses made with the Ready Limit. Load Easily and Use Anywhere You can load money to Paycell from anywhere at any time and use Paycell as digital money. You can continue to earn points while meeting all your daily financial needs. Also, you can store your bank and credit card information, and your Paycell card information with the Paycell infrastructure: You can avoid re-entering card information on your next purchase. Money Transfers Are on Paycell It doesn't matter what time of the day you are on Paycell, which you can use as a digital wallet. You can transfer money between your Paycell cards at any time; you can also request money. Paycell is with you for easy money transfer to IBAN or phone number. Paycell For All Your Payment Transactions Paycell e-Wallet allows you to make payment transactions quickly, easily, and contactless with a QR code. It is enough simply showing the Paycell QR code or telling your phone number for payment. Also, you can make bill payments with Paycell; you can pay all bills from phone to internet, from electricity to natural gas without waiting in line. You will not face extra fees in bill payments, and you can quickly view your receipts. Special Campaigns for You Benefit from dozens of different campaigns special for you while using the virtual card Paycell. Paycell offers you special advantages in many sectors, including markets, transportation, shopping, and food, You can enjoy more advantageous and privileged shopping by using the campaigns offered by Paycell e-Wallet. Step into this world full of privileges and advantages with the new generation prepaid card Paycell: Enjoy the special offers right now!

Screenshots

İşCep4 screens
Paycell4 screens

Verdict

The call

İşCep and Paycell both sit at 4.7 stars, but that hides the real split: 65% of İşCep's written reviews are positive against 37% of Paycell's. İşCep also leads on ratings volume (26K vs 904). Paycell's advantage is monetization model (free vs free with in-app purchases). On price, rating, update cadence and ads 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 4.7 for Paycell. That said, the two scores are not equally well evidenced: İşCep has 26K ratings behind it against 904, 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 37% of Paycell's.

UpkeepUpdate frequency

İşCep ships an update monthly, Paycell every 4 weeks. The most recent releases landed on October 27, 2026 and October 26, 2026 respectively.

Scorecard3 real differences · 7 level
İşCep versus Paycell: the parameters behind the verdict, then further details
ParameterİşCepPaycell
PriceFreeFree
Rating4.7 (26K ratings) — better4.7 (904 ratings)
Positive reviews64.9% of reviews — better36.7% of reviews
Number of ratings26K — better904
Update frequencyMonthlyEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPod, Apple WatchiPhone, iPod, Apple Watch
Requires iOS15.0 — better15.6
Further details — not scored
Size557 MB352 MB
Age rating4+12+
DeveloperTürkiye İş Bankası A.Ş.TURKTELL BILISIM SERVISLERI A S

Customer experience

İşCep

All ratings25,962 ratings
Positive92.7%
Neutral2.4%
Negative4.9%
Written reviews610 reviews
Positive64.9%
Neutral4.6%
Negative30.5%

Paycell

All ratings905 ratings
Positive91.5%
Neutral2.4%
Negative6.1%
Written reviews30 reviews
Positive36.7%
Neutral6.7%
Negative56.7%

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

Paycell

From 904 App Store ratings

What we love

  • 👍 Simple and easy to use
  • 🚀 Fast and efficient
  • 🔒 Secure platform
  • 💡 Useful features like bill payment and Istanbul card top-up

Room to improve

  • 🐛 Language settings not working properly
  • 🚫 Inability to close account easily
  • 💰 Unexpected charges and fees
  • 🚫 Unreliable functionality (e.g., payment issues, system crashes)

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

Paycell

Reported bugs

3 issues
  • Language settings reverting to Turkish
  • Inability to complete transactions
  • Compatibility issues with newer iOS versions

Requested features

4 requests
  • English language support
  • Improved account management options
  • Increased payment limits
  • Better customer support

In-app purchases

None

İşCep

No in-app purchases

None

Paycell

No in-app purchases

Questions

Is İşCep free?
İşCep is free to download, with no in-app purchases.
Is Paycell free?
Paycell is free to download, with no in-app purchases.
Which has better reviews, İşCep or Paycell?
İşCep is rated higher. İşCep averages 4.7 out of 5 from 26K ratings, while Paycell averages 4.7 from 904 ratings.
Do İşCep or Paycell have ads?
Neither İşCep nor Paycell shows ads.
Which is updated more often, İşCep or Paycell?
İşCep ships an update monthly, and Paycell every 4 weeks. Most recently, İşCep was updated on October 27, 2026 and Paycell on October 26, 2026.

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