Comparison

İşCep vs EMU Pass

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

EMU Pass

Features
Read full description

EMU Pass is a digital student ID and a mobile wallet designed for the students and staff members of the Eastern Mediterranean University. Along with the conveniences we have thanks to the technology, Eastern Mediterranean University and Koopbank are pleased to introduce an innovative service for you! Our Mobile Wallet and Digital ID Application is designed to facilitate your daily life, speed up your transactions and strengthen your security. Easy Access with the Digital ID With the digital identity feature, you no longer need to carry your student ID everywhere. This application not only grants access to all university services (library, labs, sports facilities, etc.) but also simplifies identity verification processes. No more worrying about carrying a physical ID! Moreover, you can check your daily and weekly class schedules within the app. Instant notifications keep you informed about university news and announcements while helping you manage your expenses and budget more effectively. Fast and Secure Payments with the Mobile Wallet Our mobile wallet app allows you to complete digital transactions quickly and securely, making it easy to manage payments and collections with just a tap. Featuring cutting-edge mobile payment technology, the app enables contactless payments by simply scanning the QR code displayed on a POS terminal with your smartphone. With this seamless payment system, you can make convenient and contactless payments for meals, bus tickets, and various campus services. By shopping with QR codes, you can benefit from promotions at partner stores and earn ‘Her Yerde’ or ‘Hepicik’ points, which are as valuable as money, and use your earned ‘HEPicik’ points at any time. Through your EMU Pass wallet, you can easily send and receive money to other EMU Pass users using just their phone number. Benefits of the Application: Fast Transactions: Make payments within seconds. Secure: Your personal data is secured with the latest technology. Easy Access: Access to all university services just with a click. Budget Control: Track and manage your expenses instantaneously.

Screenshots

İşCep4 screens
EMU Pass4 screens

Verdict

The call

İşCep and EMU Pass are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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, EMU Pass every 2 months. The most recent releases landed on October 22, 2026 and October 16, 2026 respectively.

ScorecardNo meaningful differences
İşCep versus EMU Pass: the parameters behind the verdict, then further details
ParameterİşCepEMU Pass
PriceFreeFree
Rating4.7 (26K ratings) — better—
Positive reviews64.9% of reviews—
Number of ratings26K — better—
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size557 MB42 MB
Age rating4+4+
DeveloperTürkiye İş Bankası A.Ş.KIBRIS TURK KOOPERATIF MERKEZ BANKASI LTD.

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

EMU Pass

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

İşCep

No in-app purchases

None

EMU Pass

No in-app purchases

Questions

Is İşCep free?
İşCep is free to download, with no in-app purchases.
Is EMU Pass free?
EMU Pass is free to download, with no in-app purchases.
Do İşCep or EMU Pass have ads?
Neither İşCep nor EMU Pass shows ads.
Which is updated more often, İşCep or EMU Pass?
İşCep ships an update monthly, and EMU Pass every 2 months. Most recently, İşCep was updated on October 22, 2026 and EMU Pass on October 16, 2026.

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