Comparison

Garanti BBVA Mobile vs TokenFlex Pos

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

Head to head
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

About

TokenFlex Pos

Manage your business digitally with this mobile point-of-sale application. Process payments via QR code, view transaction history, cancel transactions, generate end-of-day reports, and create invoices. Access all your financial records easily from your mobile device.

Highlights
  • QR code payments
  • Transaction history
  • Transaction cancellation
  • End-of-day reporting
  • Invoice generation
  • Digital business management
Features
Read full description

TokenFlex POS (Üye İşyeri) TokenFlex POS mobil uygulaması ile iş yerini dijitale taşıyoruz! İş yerinde TokenFlex yemek kartı için yapacağın tüm işlemleri mobil cihazın üzerinden yalnızca birkaç saniyede tamamlayabilirsin. - QR kod ile mobil cihazından dilediğin yerde kolayca ödeme alabilir, - İşlem geçmişini görüntüleyebilir ve tek tıkla işlem iptali gerçekleştirebilir, - Gün sonu alabilir ve geçmiş tüm gün sonu işlem detayına ulaşabilir, - Fatura oluşturabilir, geçmiş tüm faturalarını ve detaylarını görüntüleyebilirsin!

Screenshots

Garanti BBVA Mobile4 screens
TokenFlex Pos4 screens

Verdict

The call

The clearest difference is update cadence: Garanti BBVA Mobile at every 3 weeks against TokenFlex Pos's every 3 months. Garanti BBVA Mobile also leads on review sentiment (66% vs 50%). TokenFlex Pos's advantage is iOS requirement (13.4 vs 15.0). On price, ads, in-app purchases and monetization model 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

Garanti BBVA Mobile ships an update every 3 weeks, TokenFlex Pos every 3 months. The most recent releases landed on October 20, 2026 and October 7, 2026 respectively.

Scorecard3 real differences · 7 level
Garanti BBVA Mobile versus TokenFlex Pos: the parameters behind the verdict, then further details
ParameterGaranti BBVA MobileTokenFlex Pos
PriceFreeFree
Rating4.8 (15K ratings) — better—
Positive reviews66.0% of reviews — better50.0% of reviews
Number of ratings15K — better—
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.013.4 — better
Further details — not scored
Size558 MB30 MB
Age rating4+4+
DeveloperT. Garanti Bankasi A.S.Token Finansal Teknolojiler A.Ş.

Customer experience

Garanti BBVA Mobile

All ratings15,464 ratings
Positive94.2%
Neutral1.8%
Negative4.0%
Written reviews282 reviews
Positive66.0%
Neutral4.3%
Negative29.8%

TokenFlex Pos

Written reviews6 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

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

TokenFlex Pos

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Garanti BBVA Mobile

No in-app purchases

None

TokenFlex Pos

No in-app purchases

Questions

Is Garanti BBVA Mobile free?
Garanti BBVA Mobile is free to download, with no in-app purchases.
Is TokenFlex Pos free?
TokenFlex Pos is free to download, with no in-app purchases.
Do Garanti BBVA Mobile or TokenFlex Pos have ads?
Neither Garanti BBVA Mobile nor TokenFlex Pos shows ads.
Which is updated more often, Garanti BBVA Mobile or TokenFlex Pos?
Garanti BBVA Mobile ships an update every 3 weeks, and TokenFlex Pos every 3 months. Most recently, Garanti BBVA Mobile was updated on October 20, 2026 and TokenFlex Pos on October 7, 2026.

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