Comparison

İşCep vs Local Pay

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

Local Pay

Easily make payments with a network of contracted partners. Earn points on your transactions that can be redeemed as cash. Start managing your payments conveniently.

Highlights
  • Easy payment processing
  • Earn points on purchases
  • Redeem points as cash
  • Network of contracted partners
  • Convenient transaction management
Features
Read full description

You can make your payments easily using Local Pay in all contracted partners of Creditwest Bank. You earn points for your payments and can use your points as cash anytime you want in Local Pay. Download and start to use Local Pay now with your customer number.

Screenshots

İşCep4 screens
Local Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Local Pay at 100% against İşCep's 65%. Local Pay also leads on monetization model (free vs free with in-app purchases) and iOS requirement (12.2 vs 15.0). On price, update cadence, 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.

UpkeepUpdate frequency

İşCep ships an update monthly, Local Pay every 3 weeks. The most recent releases landed on October 16, 2026 and October 3, 2026 respectively.

Scorecard3 real differences · 7 level
İşCep versus Local Pay: the parameters behind the verdict, then further details
ParameterİşCepLocal Pay
PriceFreeFree
Rating4.7 (26K ratings) — better—
Positive reviews64.6% of reviews100.0% of reviews — better
Number of ratings26K — better—
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPod, Apple WatchiPhone, iPad, iPod
Requires iOS15.012.2 — better
Further details — not scored
Size557 MB171 MB
Age rating4+4+
DeveloperTürkiye İş Bankası A.Ş.Creditwestbank Ltd.

Customer experience

İşCep

All ratings25,962 ratings
Positive92.7%
Neutral2.4%
Negative4.9%
Written reviews607 reviews
Positive64.6%
Neutral4.6%
Negative30.8%

Local Pay

Written reviews12 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

Local Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

İşCep

No in-app purchases

None

Local Pay

No in-app purchases

Questions

Is İşCep free?
İşCep is free to download, with no in-app purchases.
Is Local Pay free?
Local Pay is free to download, with no in-app purchases.
Do İşCep or Local Pay have ads?
Neither İşCep nor Local Pay shows ads.
Which is updated more often, İşCep or Local Pay?
İşCep ships an update monthly, and Local Pay every 3 weeks. Most recently, İşCep was updated on October 16, 2026 and Local Pay on October 3, 2026.

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