Comparison

fastPay vs Sipay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

fastPay

Manage all your financial transactions easily from anywhere. Load balance, send money 24/7, pay bills, top up transportation cards, and make contactless QR code payments with instant cashback. Easily pay credit card debt and mobile phone credit.

Highlights
  • Load balance via bank card or EFT
  • 24/7 money transfers
  • Top up public transportation cards
  • Contactless QR code payments with cashback
  • Pay bills securely
  • Pay credit card debt
  • Mobile top-up
Read full description

Payments Are Now Easier and Faster with DenizPay! With its practical use and advanced features, DenizPay allows you to manage all your financial transactions easily from anywhere, whenever you want. You can load balance into your DenizPay wallet using any bank card or via EFT. You can deposit money without a card at DenizBank ATMs or quickly top up your wallet via EFT from any bank. With 24/7 money transfers, you can send money without time restrictions. Simply enter the recipient’s IBAN or mobile phone number to transfer money at any time of the day. You can top up public transportation cards such as Istanbulkart and Kentkart without waiting in line. Use any bank or credit card linked to DenizPay, or load balance instantly from your DenizPay wallet whenever you want. You can pay your electricity, water, natural gas, mobile phone, and telecommunication bills securely and quickly. Complete your payments in just a few seconds using your DenizPay balance or your bank/credit card. At locations that accept MetropolCard, you can enjoy faster shopping with contactless QR code payments. Moreover, when you pay using your DenizPay balance, you earn instant cashback! Simply scan the QR code at checkout and pay instantly—no cash or card needed. You can easily pay your credit card debt from any bank via DenizPay. Link your card to DenizPay to speed up the payment process or add a new card to complete your transaction. Mobile Top-Up You can easily top up mobile phone credit using your DenizPay balance or your linked cards. Whether it’s your own number or another number, just top up anytime you want. Download DenizPay now, speed up your financial transactions, and simplify your life. Because great things happen with DenizPay!

About

Sipay

Manage your finances from one place without a traditional bank account. Perform transactions like bill payments, money transfers, and precious metal trading securely. Earn cashback rewards on various purchases and access your financial reports.

Highlights
  • Manage finances from one place
  • Online and in-store shopping
  • Money transfers and bill payments
  • Buy and sell gold/silver
  • Findeks Risk Report access
  • Cashback rewards
  • Open Banking integration
Read full description

Smart Finance with Sipay Take control of your spending today! Manage your entire financial life from one place with Sipay. Download the Sipay Mobile app, open your free account, and start using it with ease.Spend smart, earn as you go, and enjoy the freedom of managing your money your way! Discover the world of Sipay! Without the need for a traditional bank account or bank card, you can now shop online and in-store, make money transfers, pay bills, buy and sell gold and silver, access your Findeks Risk Report, and much more freely and securely across the globe! - Download the Sipay Mobile App - Complete identity verification in just 1 minute - Link your account with a Sipay Virtual Card or order your physical Sipay Card What can you do with Sipay? 1- Cash Withdrawal & Deposit: Withdraw and deposit money easily via partner ATMs 2- 24/7 Free Money Transfers: Send money anytime with Sipay IBAN and FAST with no transaction fees 3- Bill Payments: Pay your bills quickly and effortlessly 4- Findeks Risk Report: Get your first Findeks Risk Report free through Sipay 5-Precious Metal Trading: Buy and sell gold, silver, platinum, and palladium 6- Cashback Rewards: Instantly earn cashback from various brands and digital platforms 7- Sipay Card: Shop securely and quickly with contactless payment anywhere in the world 8- Open Banking: Manage all your bank accounts from one place 9- QR Transactions: Make POS payments, send, or request money via QR code completely free 10- International Money Transfers: Send money to nearly 100 countries across 6 continents within minutes your first transfer is free! Cashback Offers Make your digital platform payments with your Sipay Card and earn up to 40% cashback. New User Cashback Get up to ₺300 cashback with 40% instant refund on digital platform payments during your first 6 months. Platform-Specific Cashback Rates: Netflix, Spotify, Exxen, YouTube Premium, Amazon Prime, Max, Tabii – 40% App Store – 10% Grocery – 5% Games & Digital Codes – up to 30% Pharmacy – 25% PlayStation – 10% Steam – 10% Cambly – 10% Udemy – 10% VOI – 15% Yolcu360 – 10% Odamax – 5% Fitty – 25% Café & Restaurant – 10% Cosmetics – 10% MetropolCard – 4% Download Sipay now and open your free account. Start spending smart and earning cashback instantly! Smart finance starts with Sipay. Need help or have questions? www.sipay.com.tr

Screenshots

fastPay4 screens
Sipay4 screens

Verdict

The call

The clearest difference is rating: Sipay at 4.6 against fastPay's 3.8. Sipay also leads on ads (none vs shown) and review sentiment (73% vs 38%). fastPay's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, in-app purchases and device support 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

Sipay holds the better App Store score, 4.6 against 3.8. Both are backed by a comparable volume of ratings — 47 and 38 respectively. Written reviews point the same way: 38% of fastPay's written reviews are positive against 73% of Sipay's.

UpkeepUpdate frequency

fastPay ships an update monthly, Sipay every 8 days. The most recent releases landed on October 1, 2026 and September 22, 2026 respectively.

Scorecard6 real differences · 4 level
fastPay versus Sipay: the parameters behind the verdict, then further details
ParameterfastPaySipay
PriceFreeFree
Rating3.8 (47 ratings)4.6 (38 ratings) — better
Positive reviews38.1% of reviews72.7% of reviews — better
Number of ratings47 — better38
Update frequencyMonthlyEvery 8 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.6
Further details — not scored
Size269 MB385 MB
Age rating12+4+
DeveloperfastPay Elektronik Para ve Odeme Hizmetleri Anonim SirketiSIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI

Customer experience

fastPay

All ratings47 ratings
Positive70.2%
Neutral2.1%
Negative27.7%
Written reviews21 reviews
Positive38.1%
Neutral14.3%
Negative47.6%

Sipay

All ratings38 ratings
Positive89.5%
Neutral2.6%
Negative7.9%
Written reviews11 reviews
Positive72.7%
Neutral9.1%
Negative18.2%

In-app purchases

None

fastPay

No in-app purchases

None

Sipay

No in-app purchases

Questions

Is fastPay free?
fastPay is free to download, with no in-app purchases.
Is Sipay free?
Sipay is free to download, with no in-app purchases.
Which has better reviews, fastPay or Sipay?
Sipay is rated higher. fastPay averages 3.8 out of 5 from 47 ratings, while Sipay averages 4.6 from 38 ratings.
Do fastPay or Sipay have ads?
fastPay shows ads; Sipay does not.
Which is updated more often, fastPay or Sipay?
fastPay ships an update monthly, and Sipay every 8 days. Most recently, fastPay was updated on October 1, 2026 and Sipay on September 22, 2026.

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