Garanti BBVA Mobile vs MultiPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
MultiPay
This digital wallet app simplifies payments with QR codes, allowing cardless transactions. Track your spending, earn loyalty rewards, and discover exclusive deals. It also integrates with services for online orders and car maintenance.
- Cardless QR payments
- Balance and spending tracking
- Earn TatlıPara loyalty rewards
- Online payment integration
- MultiCar+ service booking
- Story campaigns for deals
- Light and dark mode
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Meet the new MultiPay! MultiPay, the digital wallet application by Multinet, makes your spending faster, more secure, and more convenient. With an interface specially optimized for iOS devices, MultiPay offers an outstanding experience for iPhone and iPad users. Here are some of the great things you can do with MultiPay: - Cardless QR Payments: Paying with your iPhone has never been easier! Use QR codes to pay securely and card-free—no need to carry a physical card anymore. - Balance & Spending Tracking: Check the balance of all your wallets in one place and instantly monitor your spending. With iOS’s smooth user experience, managing your budget has never been easier. - Earn TatlıPara: When dining at partner restaurants with your Multinet card, tap the “I’m Here Today!” button to earn up to 25% in TatlıPara. The more you spend, the more you earn! - Online Payment Points: Quickly place your online orders. Browse online payment partners and complete your order with the “Place Online Order” button. Everything is online and fast on your iOS device! - MultiCar+ Integration: Need car maintenance? Browse MultiCar+ car wash locations, easily book appointments from the details screen, and pay using your wallet. - Story Campaigns: Discover exclusive deals through story campaigns on the home screen. With iOS notifications, never miss a deal! - Light & Dark Mode: MultiPay adapts to your iOS device theme. Switch easily between a soothing dark mode or a clean and bright light mode. Earn As You Spend with TatlıPara! With TatlıPara, the loyalty platform for MultiNet users, earn while you spend at thousands of locations and take advantage of exclusive deals. - View MultiNet and TatlıPara locations in the app - Thousands of TatlıPara partners that reward your spending - Extra TatlıPara opportunities through current campaigns - Receive bonus balance equal to 3 meals with regular spending - 1 TatlıPara = 1 TL. Instantly loaded into your wallet—spend it as you wish! The new MultiPay brings all these features and more to iOS users. With a user-friendly interface, advanced security, and an optimized experience for your device, it takes your digital payment experience to the next level. Download the new MultiPay from the App Store now and enjoy the world of digital wallets!
Screenshots
Verdict
Garanti BBVA Mobile and MultiPay both sit at 4.8 stars, but that hides the real split: 67% of Garanti BBVA Mobile's written reviews are positive against 25% of MultiPay's. Garanti BBVA Mobile also leads on ratings volume (16K vs 213). On price, rating, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for Garanti BBVA Mobile against 4.8 for MultiPay. That said, the two scores are not equally well evidenced: Garanti BBVA Mobile has 16K ratings behind it against 213, so its average is the more settled of the two. Written reviews are what separate them: 67% of Garanti BBVA Mobile's written reviews are positive against 25% of MultiPay's.
Garanti BBVA Mobile ships an update every 3 weeks, MultiPay fortnightly. The most recent releases landed on November 12, 2026 and November 6, 2026 respectively.
| Parameter | Garanti BBVA Mobile | MultiPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (16K ratings) | 4.8 (213 ratings) — better |
| Positive reviews | 66.6% of reviews — better | 25.0% of reviews |
| Number of ratings | 16K — better | 213 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 563 MB | 84 MB |
| Age rating | 4+ | 4+ |
| Developer | T. Garanti Bankasi A.S. | Multinet Kurumsal Hizmetler |
Customer experience
Garanti BBVA Mobile
MultiPay
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
MultiPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Garanti BBVA Mobile
No in-app purchases
MultiPay
No in-app purchases
Questions
Is Garanti BBVA Mobile free?
Is MultiPay free?
Which has better reviews, Garanti BBVA Mobile or MultiPay?
Do Garanti BBVA Mobile or MultiPay have ads?
Which is updated more often, Garanti BBVA Mobile or MultiPay?
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