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Paranın kontrolünü eline almanı sağlar. Karmaşık finansal kavramları sadeleştirir.

“Parasını yöneten hayatını yönetir” sözüyle tanıdığımız Finansal Okuryazarlık Öncüsü Özlem Denizmen’in 2010’dan bu yana biriktirdiği bilgi ve deneyimin yanı sıra; davranış bilimi temelli “Nudge” yaklaşımını uygulayan Prof. Dr. Zuhal Baltaş ve alışkanlık değişimi konusunda dünyaca tanınan BJ Fogg’un metodolojilerini temel alan Monay, hayatını bilinçli şekilde yönetmek isteyen herkes için tasarlandı.

MONAY’DA NELER VAR?

KREDİ KARTI EKSTRESİ ANALİZİ
Kredi kartı ekstreni yükle, detaylı analizini al.
• İstek–ihtiyaç harcamalarını gör
• Faiz yükünü fark et
• Gereksiz harcama alanlarını keşfet
• Sana özel iyileştirme önerileri al

Kredi kartı borcunu azaltmak artık daha sistemli ve bilinçli.

KREDİ KARTI DİYETİ PROGRAMI
21 adımlı özel program ile:
• Harcama alışkanlıklarını dönüştür
• Günlük görevlerle finansal disiplin kazan
• Lider tablosunda yüksel
• Ödüle ulaş

Hem öğren, hem puan topla, hem de para ödülünü kazan.

LİDER TABLOSU VE ÖDÜLLER
Monay’da yaptığın her görev, tamamladığın her adım ve uygulamaya her giriş seni zirveye yaklaştırır.
• Program adımlarını tamamla
• Günlük görevleri yap
• Finansal alışkanlıklarını geliştir
• Puanlarını artır

Ay sonunda en yüksek puanı toplayan kullanıcılar para ödülü kazanır.
Finansal disiplin artık somut kazanca dönüşür.

BÜTÇE YÖNETİMİ VE HARCAMA TAKİBİ
• Gelir–gider dengesini gör
• Tüm bütçeni tek ekranda takip et
• Hedef belirle, plan yap
• Tasarruf oranını artır

Bütçe planlama artık karmaşık değil.

FİNANSAL HEDEF VE BİRİKİM PLANI
• Acil durum fonu oluştur
• Tatil, ev, araba, altın gibi hedefler için plan yap
• Küçük birikim alışkanlıkları kazan
• Gereksiz harcama alışkanlıklarını değiştir

Para biriktirmek motivasyonla başlar, sistemle devam eder.

MONAY CHAT – AKILLI FİNANS ASİSTANI
Monay Chat’e sor:
• “Kredi kartı borcumu nasıl azaltırım?”
• “Findeks kredi notum nasıl yükselir?”
• “Bu ay nasıl tasarruf edebilirim?”

Anında, anlaşılır ve kişisel yanıtlar al.

GÖREVLER, YOLCULUKLAR VE ÖDÜLLER
• Günlük görevlerle finansal alışkanlık oluştur
• Yolculuklarla adım adım öğren
• Puan topla, lider tablosunda yüksel
• Aylık para ödüllerini yakala

Finansal gelişim artık sıkıcı değil.

MONAY’DAKİ KART
• Harcamalarını daha bilinçli yap
• Kampanyalardan faydalan
• Anlaşmaları takip et
• Finansal kontrolünü güçlendir

KİMLER İÇİN?
• Kredi kartı borcunu azaltmak isteyenler
• Tasarruf yapmak isteyenler
• Bütçe yönetimini öğrenmek isteyenler
• Finansal özgürlük hedefleyenler
• Harcama kontrolü kazanmak isteyenler

Üyelik Sözleşmesi: https://monay.com.tr/uyelik-sozlesmesi
Gizlilik Sözleşmesi: https://monay.com.tr/kisisel-verilerin-korunmasi-ve-islenmesi-aydinlatma-metni","app_summary":"'Monay: Birikim', published by a Turkey-based company and offers in-app purchases ranging from $0.99 to $59.99 per item. The app was last updated on 26 June 2026. Released in US on 06 March 2023 and globally on 06 March 2023. 'Monay: Birikim' belongs to the 'Finance' category maintaining a content rating of '16+'. Last month's estimates were < 5k downloads and < $5k revenue. The app is available in Turkey, Germany, and Azerbaijan and being advertised actively. Sign up / Sign in to learn more about the time spent, session durations, usage & engagement (DAU, WAU, MAU), retention, churn, marketshare, growth trends, and other market statistics.","subtitle":"","promo_text":""},"has_in_app_purchases":true,"installs":null,"language":"EN","support_url":"https://monay.com.tr/destek","top_countries":["TR","DE","AZ"],"valid_countries":["AE","AO","AR","AT","AU","AZ","BE","BF","BG","BH","BJ","BO","BR","BY","CA","CG","CH","CI","CL","CM","CO","CR","CY","CZ","DE","DK","DO","DZ","EC","EE","EG","ES","FI","FR","GB","GE","GH","GR","GT","HK","HR","HU","ID","IE","IL","IN","IQ","IT","JO","JP","KE","KH","KR","KW","KZ","LA","LB","LK","LT","LU","LV","LY","MA","ML","MM","MO","MT","MX","MY","MZ","NG","NI","NL","NO","NZ","OM","PA","PE","PH","PK","PL","PT","PY","QA","RO","RS","RU","SA","SE","SG","SI","SK","SN","SV","TH","TN","TR","TW","TZ","UA","UG","US","UY","UZ","VE","VN","YE","ZA","ZM","ZW"],"available_countries":["US","AU","CA","DE","GB","IT","JP","KR","RU","DZ","AO","AR","AT","AZ","BH","BB","BY","BE","BM","BR","BG","CL","CO","CR","HR","CY","CZ","DK","DO","EC","EG","SV","FI","GH","GR","GT","HK","HU","IN","ID","IE","IL","KZ","KE","KW","LB","LT","LU","MO","MG","MY","MT","MX","NL","NZ","NG","NO","OM","PK","PA","PE","PH","PL","PT","QA","RO","SA","RS","SG","SK","SI","ZA","ES","LK","SE","CH","TW","TH","TN","TR","UA","AE","UY","UZ","VE","VN","BO","KH","EE","LV","NI","PY","GE","IQ","LY","MA","MZ","MM","YE","FR","BJ","BF","CM","CG","CI","JO","LA","ML","SN","TZ","UG","ZM","ZW"],"pre_order_countries":[],"website_url":"https://monay.com.tr","app_id":1672306126,"app_view_url":"/ios/us/moneye/app/monay-birikim-para-yonetimi/1672306126/","country":"US","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/6f/7e/5a/6f7e5a64-f0ee-722a-52c0-dc33a42b730d/AppIcon-0-0-1x_U007emarketing-0-11-0-0-85-220.png/150x150bb.jpg","name":"Monay: Birikim & Para Yönetimi","os":"ios","price":{"currency":"USD","value":0,"string_value":"$0.00","subunit_to_unit":100},"publisher_id":1495520534,"publisher_name":"Moneye","publisher_profile_url":"/publisher/ios/1495520534","rating":4.333333333333333,"rating_breakdown":[1,0,0,0,5],"rating_count":6,"country_release_date":1678089600000,"current_version":"3.28.11","file_size":64126976,"first_released_in":["US","AU","CA","DE","GB","IT","JP","KR","RU","DZ","AO","AR","AT","AZ","BH","BB","BY","BE","BM","BR","BG","CL","CO","CR","HR","CY","CZ","DK","DO","EC","EG","SV","FI","GH","GR","GT","HK","HU","IN","ID","IE","IL","KZ","KE","KW","LB","LT","LU","MO","MG","MY","MT","MX","NL","NZ","NG","NO","OM","PK","PA","PE","PH","PL","PT","QA","RO","SA","RS","SG","SK","SI","ZA","ES","LK","SE","CH","TW","TH","TN","TR","UA","AE","UY","UZ","VE","VN","BO","KH","EE","LV","NI","PY","GE","IQ","LY","MA","MZ","MM","YE","BJ","BF","CM","CG","CI","JO","LA","ML","SN","TZ","UG","ZM","ZW"],"minimum_os_version":"12.4","publisher_country":"Turkey","recent_release_date":1782432000000,"release_date":1678089600000,"release_status":"REGIONAL_RELEASE","supported_languages":["EN","TR"],"worldwide_release_date":1678060800000,"store_removal_date":null,"cohort_id":null,"worldwide_last_month_revenue":{"unit":"cent","type":"currency","currency":"USD","value":100000},"worldwide_last_month_downloads":{"unit":"unit","type":"integer","value":1000},"category_rankings":{"app_id":1672306126,"country":"US","ipad":{"top_free":null,"top_grossing":null,"top_paid":null},"iphone":{"top_free":null,"top_grossing":null,"top_paid":null}}}