Hesap
Hesap is a Turkish financial product comparison platform that aggregates loan, credit card, deposit, and investment offerings from over 20 banks, serving Turkish consumers and SMEs through a free web and mobile platform monetized via partner-bank affiliate commissions.
- Company typePrivate
- Founded2025
- HeadquartersIstanbul
- Headcount51–100
- GTM typeB2C
- OfferingDigital Commerce or Content
What Hesap does
Hesap is a Turkish financial product comparison platform operated by Hesap Bilgi Hizmetleri ve Teknoloji A.Ş., headquartered in Üsküdar, Istanbul. The platform aggregates loan, credit card, deposit, and selected investment products from more than 20 Turkish banks into a single consumer-facing website (hesap.com) and mobile apps on Android and iOS. Users can compare personal loans, housing loans, vehicle loans, SME loans, credit cards, deposit rates, interest-free (participation-bank) products, and currency/gold/silver prices, and access a suite of loan calculators covering payment schedules, early repayment, and balloon payments. Hesap does not originate financial products itself; it directs users to partner banks for application and approval.
The underlying technology is a web-based comparison platform that ingests real-time rate and campaign data from partner banks, surfaces side-by-side offers, and exposes interactive calculators. The platform advertises SSL encryption, two-factor authentication, KVKK compliance, ISO 27001, and ISAE 3402 certifications, indicating that information security and data-protection controls are positioned as a core operating requirement, particularly given the regulated nature of Turkish banking partners. Marketing and acquisition rely on a digital-first GTM motion: SEO-driven organic search, content marketing via the Hesap Defteri blog, an email newsletter (E-bülten), and active social media presence on LinkedIn, Facebook, X, Instagram, YouTube, and TikTok.
Hesap's business model is consumer-free, monetized entirely through affiliate and referral commissions from partner banks when referred users complete approved applications. The primary customer segment is Turkish individual consumers seeking loan, credit card, and deposit products, with a secondary SME (KOBİ) segment for commercial financing. The company is privately held, founder or independently owned with no disclosed institutional investors or parent structure, and reports 51–100 employees. No revenue figures, funding rounds, or management roster are publicly disclosed in the available data.
Hesap firmographics
Firmographics- Name
- Hesap
- Legal name
- Hesap Bilgi Hizmetleri ve Teknoloji Anonim Şirketi
- Website
- https://hesap.com/
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Hesap is a Turkish financial product comparison platform that aggregates loan, credit card, deposit, and investment offerings from over 20 banks, serving Turkish consumers and SMEs through a free web and mobile platform monetized via partner-bank affiliate commissions.
- Ownership category
- akta.pro rank
Hesap industry classification
Industry- Product category
- Financial Product Comparison Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Home Equity Loan & HELOC Intermediation (FSAEAEAD)
- akta.pro secondary industry
- Home Equity & HELOC Intermediaries (FSALABAE)
Keywords
Where Hesap is headquartered
LocationHeadquarters
- HQ city
- Istanbul
Offices1 record
Markets served
Hesap business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Affiliate/Referral commissions from partner banks: Hesap generates revenue through referral commissions when users apply for and successfully obtain financial products (loans, credit cards) through the platform. The platform is free for consumers to use; partner banks pay for referred customers who complete applications and receive approval.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free consumer platform with affiliate-based monetization from partner banks |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Hesap product offering
Product offeringCore offering
Hesap operates a free online platform that aggregates and compares banking products from more than 20 Turkish banks, allowing consumers to evaluate personal loans, housing loans, vehicle loans, SME loans, credit cards, deposit accounts, and interest-free (participation bank) financing offers. Users can calculate monthly payments and total costs, review special promotional campaigns (including 0% interest offers for new customers), and submit applications that are redirected to the partner bank for fulfillment. Hesap earns affiliate/referral commissions from partner banks for completed applications; the platform is free for end users.
Product overview
Hesap operates as a financial product comparison marketplace (hesap.com) that aggregates offerings from over 20 Turkish banks and financial institutions into a unified platform. The core product consists of the Hesap.com website and mobile applications (iOS/Android) that enable consumers to compare personal loans, housing loans, vehicle loans, SME loans, credit cards, deposit accounts, and interest-free financial products. The platform functions as an aggregator and comparison engine, displaying real-time interest rates, promotional campaigns, and financial product offers from partner banks including Akbank, Garanti BBVA, QNB, DenizBank, TEB, and others. Key modules include specialized loan comparison tools, credit card comparison, deposit rate comparison, investment tools for currency and precious metals, and various loan calculator tools. The platform does not offer its own financial products but serves as an intermediary that directs users to partner banks for product applications.
Differentiator
Problem solved
Functional benefit
Products and services
- Hesap.com Web Platform Comprehensive financial product comparison platform that aggregates and displays loan rates, credit card offers, deposit interest rates, and banking campaigns from over 20 Turkish banks on a single interface, targeting Turkish consumers seeking banking products.
- Hesap Mobile Application Native mobile applications for Android and iOS that allow users to compare financial products, calculate loan payments, and access bank campaigns from their mobile devices.
- Personal Loan (İhtiyaç Kredisi) Comparison Comparison tool for personal loans from multiple banks, displaying interest rates, monthly payments, total costs, and allowing users to calculate and compare loan options.
- Housing Loan (Konut Kredisi) Comparison Comparison tool for mortgage/home loans from Turkish banks, showing interest rates, monthly payments, and total costs for home purchases.
- Vehicle Loan (Taşıt Kredisi) Comparison Comparison tool for automotive loans from banks, displaying interest rates and payment options for new and used vehicle purchases.
- SME Loan (KOBİ Kredisi) Comparison Comparison tool for small and medium enterprise loans, including installment commercial loans, artisan loans, and working capital financing options for Turkish SMEs.
- Credit Card Comparison Comparison tool for credit cards from multiple banks, showing card benefits, installment options, cash advance offers, and promotional campaigns.
- Deposit (Mevduat) Comparison Comparison tool for deposit accounts and investment products, displaying interest rates from banks for various maturity periods.
- Interest-Free Loans (Faizsiz Ürünler) Comparison of interest-free financial products from Turkish participation banks, including zero-interest personal loans and installment cash advances for new customers.
- Investment Tools (Döviz, Altın, Gümüş) Tools for comparing exchange rates, gold prices, and silver prices across banks and financial institutions.
Companies that use Hesap
Customer profileSegments2 records
Ideal customer profiles2 records
Hesap technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Hesap partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and minor.
- AkbankcoreAkbank is a major Turkish bank whose loan products, credit cards, and deposit accounts are featured on the Hesap comparison platform. Users can compare Akbank's interest rates and apply for personal loans, mortgages, auto loans, and credit cards through Hesap.
- Garanti BBVAcoreGaranti BBVA, one of Turkey's largest banks, partners with Hesap to display their financial products. The platform features Garanti BBVA's personal loans, mortgages, auto loans, credit cards, and deposit accounts with real-time rate updates.
- Türkiye İş Bankasıcoreİş Bankası, Turkey's largest private bank, is featured on the platform with loan products, credit cards, and deposit accounts available for comparison.
- Ziraat BankasıcoreZiraat Bankası, Turkey's largest state-owned bank, offers personal loans, agricultural credits, and deposit products featured on Hesap.
- QNBcoreQNB (QNB Finansbank) partners with Hesap to feature their personal loan products, credit cards, and promotional offers including 0% interest campaigns for new customers.
- DenizBankcoreDenizBank, part of the Dubai-based Emirates NBD group, is featured with personal loans, commercial credits, and deposit products on the Hesap platform.
- TEB (Türk Ekonomibank)minorTEB offers personal loans, commercial credits, and SME financing products featured on the comparison platform.
- Kuveyt TürkminorKuveyt Türk, a participation (Islamic) bank, offers interest-free financing products including personal finance, home finance, and vehicle financing featured on Hesap.
- FibabankaminorFibabanka offers personal loans, credit cards, and SME financing products displayed on the Hesap platform.
- CEPTETEBminorCEPTETEB, the digital banking arm of TEB, offers online personal loans, credit cards, and deposit accounts featured on the platform.
- N KolayminorN Kolay, QNB's digital banking brand, offers personal loans and credit cards with promotional 0% interest offers featured on Hesap.
- ING BankminorING Bank Turkey offers personal loans, mortgages, and banking products featured on the comparison platform.
- Yapı Kredi BankasıcoreYapı Kredi Bankası, part of Koç Holding's financial services group, offers loans, credit cards, and deposit accounts featured on Hesap.
- Alternatif BankminorAlternatif Bank offers personal and commercial banking products featured on the platform.
- Dünya KatılımminorDünya Katılım Bankası, an Islamic/participation bank, offers interest-free financing products for personal, home, and vehicle needs.
- OdeaminorOdea Bank offers personal loans and credit products featured on the comparison platform.
- EnparaminorEnpara, QNB's digital-only bank, offers fee-free banking products featured on Hesap.
- ONminorON, a digital banking brand, offers personal loans with promotional rates featured on the platform.
- getirfinansminorGetir's financial services arm offering personal loans and credit products integrated into the delivery platform's ecosystem.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
Hesap competitors and assessment
Company assessmentBroad incumbents
- Credit Karma: US comparison and recommendation platform for credit cards, loans and banking; comparable user funnel (rate discovery → application redirect) and affiliate monetization, though with credit-data as additional moat.
- NerdWallet: US financial-content and product-comparison platform with affiliate-driven revenue across cards, loans, banking and investing; relevant because content-led organic acquisition plus comparison tools closely mirrors Hesap's PLG strategy.
- MoneySupermarket: UK-listed price-comparison platform covering banking, credit cards, mortgages and insurance; comparable as a multi-vertical financial aggregator monetized through referral/commission economics.
- LendingTree: US-based financial comparison marketplace for loans, credit cards and banking products; directly analogous business model at scale, with the same vulnerability to bank commission changes.
Emerging players
- Carrot Credit / LoanAdda: Emerging loan-aggregator / fintech lead-gen platforms in emerging markets; partial comparability as financial-product comparison and lead-generation businesses serving consumers evaluating bank offers.
Regional players
- Sigortam.net: Turkish insurance/financial comparison platform owned by a major Turkish conglomerate; adjacent because it operates the same aggregator-and-redirect user flow for financial products, with vertical concentration in insurance rather than credit.
- GoCompare: UK-based comparison marketplace with strong position in credit products; applicable as a regional comparison incumbent executing the same aggregator-and-redirect playbook in a different geography.
Direct peers
- Enuygun: Turkey's largest financial-and-travel comparison marketplace; comparable due to side-by-side comparison of bank deposit, loan, and credit-card products with referral monetization — broader than Hesap but in the same aggregator category.
- BankBazaar: India's leading financial-product comparison marketplace for credit cards, loans and deposits; closest international analogue in business model (free consumer side, bank/issuer referral revenue) and category coverage.
- Hangikredi: Turkey's incumbent loan-comparison platform; directly comparable to Hesap because it aggregates personal loan, mortgage, vehicle loan and credit-card offers from multiple Turkish banks and monetizes via lead referral.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Hesap social profiles
Digital presenceHesap compliance and trust
Trust signalCompliance5 records
Hesap financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hesap leadership team
Management profileNumber of profiles
Hesap funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hesap M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hesap
What does Hesap do?
Hesap operates a free online platform that aggregates and compares banking products from more than 20 Turkish banks, allowing consumers to evaluate personal loans, housing loans, vehicle loans, SME loans, credit cards, deposit accounts, and interest-free (participation bank) financing offers. Users can calculate monthly payments and total costs, review special promotional campaigns (including 0% interest offers for new customers), and submit applications that are redirected to the partner bank for fulfillment. Hesap earns affiliate/referral commissions from partner banks for completed applications; the platform is free for end users.
Is Hesap a public or private company?
Hesap is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Hesap founded?
Hesap was founded in 2025. It employs 51 to 100 people.
Where is Hesap based?
Hesap is headquartered in Istanbul.
How does Hesap make money?
One revenue line is on record: affiliate/Referral commissions from partner banks.
Who are Hesap's main competitors?
Broad incumbents on record are Credit Karma, NerdWallet, MoneySupermarket and LendingTree. Carrot Credit / LoanAdda is listed as an emerging player. Regional players are Sigortam.net and GoCompare. Direct peers are Enuygun, BankBazaar and Hangikredi.
Does Hesap have an API?
No public API is recorded for Hesap.
What industry is Hesap in?
Hesap's product category is Financial Product Comparison Marketplace. Its primary akta.pro industry code is FSAEAEAD, Home Equity Loan & HELOC Intermediation, with a secondary code of FSALABAE, Home Equity & HELOC Intermediaries. Its NAICS code is 5223 and its SIC code is 6163.