hesap.com
hesap.com is an active Turkish financial comparison platform associated with Sipay, helping users compare bank loans, credit cards, and deposits, with additional credit-report, AI assistant, and mobile wallet services.
What is hesap.com, and who operates it?
Hesap.com serves people researching financial products in Turkey. Its main purpose is to bring offers from different banks into one place, making it easier to compare borrowing costs, card benefits, and deposit returns.
The website identifies its operator as Hesap Bilgi Hizmetleri ve Teknoloji Anonim Şirketi. Its company information includes an Istanbul address, support number 444 44 41, and MERSİS registration number 0462106832800001.
Hesap is not itself the lender behind the bank products it displays. Its official app description explains that users are directed to the relevant bank’s website or application. The bank determines eligibility, final terms, and approval.
There is also an important domain distinction: hesap.com.tr is a separate website presenting a marketplace for gaming accounts, digital codes, and items. Reviews or complaints about that marketplace should not be treated as evidence about hesap.com’s financial services.
Is hesap.com currently operating, and when did it launch?
The public website was accessible during checks on October 15, 2026, with product comparison pages, financial articles, legal notices, and links to mobile services. This establishes current public availability, although it does not verify every application or transaction process.
Ekonomim reported on April 28, 2025, that Sipay had launched Hesap as a banking-products marketplace. Webrazzi’s June 19, 2025 coverage described its comparison functions while identifying mobile access and personalized AI recommendations as planned developments.
Current app listings and the website’s Hesap AI page show that the published offering has since expanded beyond those early comparison pages.
WHOIS records list the domain’s registration date as March 31, 2002. That date concerns the internet address, not the launch of today’s financial business. A historical archive request did not produce a usable snapshot, so the domain’s earlier content and ownership history remain unverified here.
What can you compare or calculate on Hesap?
Hesap’s main categories include personal loans, mortgages, vehicle loans, business loans, credit cards, and deposits. The website also provides financial calculators, market information, and explanatory articles through its “Hesap defteri” section.
For borrowing, the practical starting point is the amount needed and repayment period. Its personal-loan page provides fields for both, allowing users to review offers against a defined requirement.
The app description says comparisons include monthly installments, interest rates, and total repayment. Those figures are more useful together than an advertised interest rate alone.
Some offers carry sponsorship labels. Their prominent placement should therefore be distinguished from a conclusion that they are the cheapest option for a particular borrower.
Another detail matters when reading promotions: a large advertised cash amount can combine several products. During the review, Hesap’s loan page displayed packages combining loans, installment cash advances, or overdraft facilities. Readers should examine the components instead of assuming the headline amount represents one ordinary loan.
Is Hesap free, including its credit report?
Hesap currently advertises a free “Hesap Kredi Raporu,” and Apple lists its iPhone application as free to download. Neither statement establishes that every financial product or wallet transaction is free.
The credit-report page describes a Hesap score, information about credit-product limits, personalized offers, and AI-supported interpretation. Its published workflow asks users to provide information, review their analysis, and compare relevant products.
However, the accompanying privacy notice also describes report purchases, package information, and collection of report payments. The public promotion and legal wording therefore do not establish a single permanent pricing rule.
Before requesting a report, check whether the displayed offer includes one report, repeat access, or any paid package. Treat the price and conditions shown at confirmation as essential information.
A favorable report or displayed limit is not a lending commitment. Hesap’s company disclosures state that banks retain control over credit assessment and approval.
Where can you download the official Hesap app?
The application appears on Google Play and Apple’s App Store under “Hesap - hesap basit.” Apple identifies the developer as Hesap A.Ş., while the Android listing uses the package identifier com.hesap.android.app.
Starting from the financial website’s download link helps distinguish it from unrelated applications using the common Turkish word “hesap.”
Both store descriptions advertise an electronic-money wallet alongside comparison tools. Listed functions include adding and withdrawing funds and paying through TR Karekod-supported QR payments.
These are publisher-described capabilities, not independently tested transaction results. Before funding a wallet, examine its current verification requirements, transaction limits, and fees inside the service.
Hesap’s disclosures say payment and electronic-money services are supplied by Sipay, with Hesap acting as its representative under code 8383400053. The Turkish central bank’s electronic-money institution register separately lists Sipay under institution code 838.
What should users know about privacy and Hesap AI?
Hesap has an identifiable operator, published legal documents, official app listings, and independently reported business activity. These provide a stronger basis for evaluating its identity than an automated website trust score, but they do not guarantee error-free service.
Its credit-report privacy notice describes potentially extensive information processing, including identity details, income, employment, financial circumstances, and credit-history information obtained through authorized Findeks integration.
Requesting a personalized report therefore involves more information sharing than browsing public comparisons. Read the report-specific notice before consenting.
Hesap AI also has explicit limits. The user agreement describes its responses as general information, not investment advice, financial consultancy, or binding offers. It specifically warns users against submitting bank passwords, one-time passwords, or sensitive personal information through the assistant.
How should you use Hesap before choosing a bank?
Use Hesap to build a shortlist, then verify the final offer with the bank.
Start by comparing the same borrowing amount and term across providers. Review total repayment, installments, additional charges, and campaign eligibility. For deposits, compare equivalent balances and maturities and check the bank’s applicable conditions.
HangiKredi is a relevant alternative because it also compares Turkish loans, cards, and deposits. Checking both services can reveal different promotions, but neither replaces the bank’s final terms.
People encountering “Hesap.com Antalyaspor” should also recognize the sponsorship connection: Antalyaspor announced a one-year naming agreement on July 30, 2025, for the 2025–2026 season. That announcement explains the branding; it does not establish an ongoing sponsorship beyond that period.