# İşCep vs Local Pay

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.

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

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

## The numbers

| Metric | İşCep | Local Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (26K ratings)](https://appshunter.io/ios/app/iscep/id308261752/reviews)** | — |
| Number of ratings | **26K** | — |
| Positive reviews | 64.6% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 557 MB | 171 MB |
| Requires iOS | 15.0 | **12.2** |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Türkiye İş Bankası A.Ş.](https://appshunter.io/developer/331858719) | [Creditwestbank Ltd.](https://appshunter.io/developer/958468878) |

## What reviewers say

### İşCep

[App page](https://appshunter.io/ios/app/iscep/id308261752)

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:** Siri integration, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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- 🔍 Outdated design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

**Reported bugs**

- 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**

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


### Local Pay

[App page](https://appshunter.io/ios/app/local-pay/id1328860932)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*