Comparison

İşCep vs Garanti BBVA Mobile

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

Garanti BBVA Mobile

Manage all your banking transactions, from loan applications to bill payments, with this comprehensive mobile banking app. Receive personalized financial advice to manage income and expenses, build savings, and achieve your goals. Open accounts, apply for credit cards, and make secure payments anytime, anywhere.

Highlights
  • Loan applications and follow-up
  • Automatic bill payment orders
  • Credit card applications and tracking
  • Financial health advice
  • e-time deposit account management
  • 24/7 money transfer
  • Bill and tax payments
Features
Read full description

Management of all of your banking transactions is in your mobile phone via our mobile banking application, Garanti BBVA Mobile! We offer more than 1000 transaction options from loan applications to automatic bill payment orders. Our Retail, Corporate and SME customers! We are at all times beside you in order to enable you to perform your banking transactions easily at any moment and from any place you like and prefer. Garanti BBVA consultancy is good for your financial health! Thanks to our financial health advices formulated specifically for you, you may protect and maintain your balance of income and expenses, and build up savings, in vast or small amounts, and achieve your objectives and goals. If you are not yet our customer, you can easily become a part of Garanti BBVA without need to go to a branch by using the Contactless Onboarding Technology. For all kinds of your needs, you can easily file a credit application, and as soon as it is approved, you can transfer your loan to your own account and immediately start to use and spend it. If you wish to invest your savings, you can open an e-time deposit account via Garanti BBVA Mobile, promptly starting to make benefit from high interest rates. What’s more, whenever you need, you can withdraw money from your e-time deposit account, or deposit money therein, at any time before the end of maturity thereof. You can apply for a credit card fits best to you, thus making benefit from very special discounts and campaigns, and easily following up the progress of your card application via Mobile. You can pay your bills without going to branch, and if you wish, you can give automatic payment orders without need to follow up the deadlines of them. Furthermore, you can pay your motor vehicle taxes, traffic fines, game of chance payments and many other payments via Garanti BBVA Mobile at any time and from any place you wish and like. So as to maximize your security, we continuously follow up and apply the most advanced measures for you. While you trade, for the sake of your security, we freely make our malware detection software applications ready for your use in integration with Garanti BBVA Mobile. Thanks to tokenization, we verify your access to our mobile application by a device of your own. Benefits offered by Garanti BBVA Mobile: • 24/7 money transfer, • Money transfer via Kolay Adres (Easy Address) without need for IBAN, • Bill and tax payments, • Account and card balances, • Loan calculation, loan applications and follow-up of application, • Credit card applications and follow-up of application, • Tracking and monitoring the current exchange rates, • Opening bank accounts in foreign currency, • Displaying your assets and liabilities, • Reviewing and checking your income and expenses by categories, • Tracking the actions taken by you through review of our financial health advices designed specifically for you, and • Inquiring ATMs and branches closest to you, and many other banking transactions. Apart from those listed above, our corporate customers may further display and approve via the structure of notification their commercial banking transactions submitted for approval via Garanti BBVA Mobile, within the limits of their authorization and approval definitions. For use of Garanti BBVA Mobile, it is adequate for you to have a Mobile / Internet Banking password. If you don’t have a password, by clicking “Parola Al” (Get Password), you can promptly take your password by using your credit card or Paracard number. If you don’t have a card, you can communicate our customer representative by video talking, and build a new password. Permissions held by Garanti BBVA Mobile may be retrieved via the following link: www.garantibbva.com.tr/izinler

Screenshots

İşCep4 screens
Garanti BBVA Mobile4 screens

Verdict

The call

The clearest difference is monetization model: Garanti BBVA Mobile at free against İşCep's free with in-app purchases. On price, rating, review sentiment and ratings volume 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 Garanti BBVA Mobile. Both are backed by a comparable volume of ratings — 26K and 16K respectively. Written reviews are what separate them: 65% of İşCep's written reviews are positive against 67% of Garanti BBVA Mobile's.

UpkeepUpdate frequency

İşCep ships an update monthly, Garanti BBVA Mobile every 3 weeks. Both last shipped on November 4, 2026.

Scorecard1 real difference · 9 level
İşCep versus Garanti BBVA Mobile: the parameters behind the verdict, then further details
ParameterİşCepGaranti BBVA Mobile
PriceFreeFree
Rating4.7 (26K ratings)4.8 (16K ratings) — better
Positive reviews64.9% of reviews66.6% of reviews — better
Number of ratings26K — better16K
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPod, Apple WatchiPhone, iPod, Apple Watch
Requires iOS15.015.0
Further details — not scored
Size557 MB563 MB
Age rating4+4+
DeveloperTürkiye İş Bankası A.Ş.T. Garanti Bankasi A.S.

Customer experience

İşCep

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

Garanti BBVA Mobile

All ratings15,787 ratings
Positive94.1%
Neutral1.8%
Negative4.0%
Written reviews293 reviews
Positive66.6%
Neutral4.1%
Negative29.4%

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

Garanti BBVA Mobile

From 16K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast and efficient
  • 💯 Excellent banking experience
  • 🌟 Best banking app
  • 🤝 Great customer service

Room to improve

  • 🐛 Crashes and bugs
  • ⚠️ Language issues (lack of English support)
  • 💳 High fees and commissions
  • 🔒 Security concerns (lack of Face ID/Touch ID)
  • 🔍 Difficult to navigate/use

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

Garanti BBVA Mobile

Reported bugs

5 issues
  • Crashes on launch
  • Keyboard issues (Farsi language)
  • Notification issues
  • Compatibility problems with newer devices
  • Slow performance after recent updates

Requested features

5 requests
  • Face ID/Touch ID support
  • Improved language options (English, etc.)
  • Lower fees and commissions
  • Enhanced security features
  • Easier navigation and user experience

In-app purchases

None

İşCep

No in-app purchases

None

Garanti BBVA Mobile

No in-app purchases

Questions

Is İşCep free?
İşCep is free to download, with no in-app purchases.
Is Garanti BBVA Mobile free?
Garanti BBVA Mobile is free to download, with no in-app purchases.
Which has better reviews, İşCep or Garanti BBVA Mobile?
Garanti BBVA Mobile is rated higher. İşCep averages 4.7 out of 5 from 26K ratings, while Garanti BBVA Mobile averages 4.8 from 16K ratings.
Do İşCep or Garanti BBVA Mobile have ads?
Neither İşCep nor Garanti BBVA Mobile shows ads.
Which is updated more often, İşCep or Garanti BBVA Mobile?
İşCep ships an update monthly, and Garanti BBVA Mobile every 3 weeks. Most recently, İşCep was updated on November 4, 2026 and Garanti BBVA Mobile on November 4, 2026.

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