hesap.com – Loan, Deposit, and E-Money Wallet

Managing your finances from a single screen is now easier! With the hesap.com mobile app, you can instantly compare banks' loan, credit card, and deposit offers and choose the product that best suits your needs. And not only that, but you can also manage your balance with the e-money wallet, powered by Sipay, make payments with QR codes, and enjoy secure shopping with your virtual card.

Loan and financial products

Finding the perfect loan for you is now very simple.

• Consumer loans: See interest rates from different banks for your daily expenses or urgent cash needs.

• Mortgage loans: Choose the most advantageous interest rate to find your dream home.

• Vehicle loans: Find the best solution for your budget with affordable terms and interest rates when buying a car.

• SME loans: Discover the financing option suitable for your company to grow your business.

Enter your desired loan amount and term, and see your repayment plan instantly. View your monthly installments, total repayment, and interest rates at a glance, choose the loan that's right for you, and apply now.

Credit Cards

Examine dozens of cards to find out which credit card is best for you.

• No-fee cards
• Cards that earn miles or points
• Special options for students
• Commercial cards

See all the details on a single screen and easily compare the advantages of each card. Once you've chosen the ideal option, you can quickly start your online credit card application.

Deposit and Investment

Compare banks' term deposit interest rates to make the most of your money. Enter the term and amount, and instantly find out which bank offers the highest returns.

Want to track your investments?

• See gold prices in real time.
• Track exchange rates.
• Make more informed decisions by analyzing monthly and annual changes.

This way, you can take stronger steps toward achieving your financial goals.

E-Money Wallet

hesap.com isn't just a comparison app; it's also a powerful e-money wallet.

• Create your wallet: Open your own e-money account in minutes.
• Deposit/Withdraw: Easily load or withdraw funds via bank or card.
• Pay with QR: Make payments in seconds with the TR QR code-supported payment system.
• Virtual card: Increase security in your online shopping and set your own limits.

What's more, you can always keep your spending under control by receiving instant notifications for all your transactions.

Calculation tools

Don't get confused when making financial decisions.

• Calculate your loan installments
• See how your debt will change when making interim payments
• Explore early payment advantages
• Learn your credit card minimum payment amount

Make all your calculations in seconds, so you can plan your budget more easily.

Why hesap.com?

• Convenience: See the current loan, card, and deposit offers from local banks on a single platform. • Fast and practical: Apply in simple steps.
• Secure: E-money services are provided by the Central Bank of the Republic of Turkey (CBRT)-licensed Sipay infrastructure.
• Take control: Manage your applications, wallet, and financial plans from a single app.

Upcoming Features

hesap.com is constantly evolving. Features coming soon to our app:

• Personalized loan and deposit offers
• Automatic budget management
• More investment instruments

Legal Information

E-money and payment services are provided by Sipay Electronic Money and Payment Services Inc. All related services are subject to Sipay's contractual and regulatory provisions. Final terms and conditions for loan, deposit, and investment products are determined by banks.