# BKM Express vs Sipay

The clearest difference is update cadence: Sipay at every 8 days against BKM Express's every 3 months. BKM Express's advantage is rating (4.8 vs 4.6) and iOS requirement (13.0 vs 15.6). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BKM Express holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 64 and 38 respectively. Written reviews split almost evenly too, at 73% and 73% positive.

BKM Express ships an update every 3 months, Sipay every 8 days. The most recent releases landed on June 11, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | BKM Express | Sipay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (64 ratings)](https://appshunter.io/ios/app/bkm-express/id657408050/reviews)** | [4.6 (38 ratings)](https://appshunter.io/ios/app/sipay/id1521140345/reviews) |
| Number of ratings | **64** | 38 |
| Positive reviews | **73.3% of reviews** | 72.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 8 days** |
| Monetization | Free | Free |
| Size | 44 MB | 385 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bankalararası Kart Merkezi](https://appshunter.io/developer/657408053) | [SIPAY ELEKTRONIK PARA VE ODEME HIZMETLERI ANONIM SIRKETI](https://appshunter.io/developer/1519194677) |

## What reviewers say

### BKM Express

[App page](https://appshunter.io/ios/app/bkm-express/id657408050)

This payment system allows for fast, easy, and secure transactions. Send and request money 24/7 without sharing card details with merchants. Manage multiple bank cards from a single account for seamless shopping and transfers.

**Highlights:** Secure payments without sharing card details, 24/7 money sending and requesting, Manage multiple bank cards, QR code and link-based money requests, Installment options for purchases, Earn points on purchases

**Features:** macOS Compatibility

**In-app purchases:** none


### Sipay

[App page](https://appshunter.io/ios/app/sipay/id1521140345)

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

**In-app purchases:** none


## Frequently asked questions

### Is BKM Express free?

BKM Express 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, BKM Express or Sipay?

BKM Express is rated higher. BKM Express averages 4.8 out of 5 from 64 ratings, while Sipay averages 4.6 from 38 ratings.

### Do BKM Express or Sipay have ads?

Neither BKM Express nor Sipay shows ads.

### Which is updated more often, BKM Express or Sipay?

BKM Express ships an update every 3 months, and Sipay every 8 days. Most recently, BKM Express was updated on June 11, 2026 and Sipay on September 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*