Remittance

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Remittance From Account to Account (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Account (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Account (Same Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Account (Different Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Name (Same Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Name (Different Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Cash Desk to Account - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Cask Desk to Account - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Cash Desk to Account - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Cash Desk to Name- For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Cask Desk to Name - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Cash Desk to Name- For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY 0 - TRY One Thousand 1.5TL 1.5TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 1.5TL 1.5TL BITT Excluded
Regular Remittance From Account- For TRY 50 thousand and higher 1.5TL 1.5TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Remittance From Account to Account (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Account (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Account (Same Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Account (Different Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Name (Same Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Name (Different Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY 0 - TRY One Thousand 0.5TL 0.5TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 1.00TL 1.00TL BITT Excluded
Regular Remittance From Account- For TRY 50 thousand and higher 1.5TL 1.5TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Remittance From Account to Account (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Account (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Account (Same Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Account (Different Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Name (Same Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 0.77TL 0.77TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Name (Different Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY 0 - TRY One Thousand 0.5TL 0.5TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 1.00TL 1.00TL BITT Excluded
Regular Remittance From Account- For TRY 50 thousand and higher 1.5TL 1.5TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Remittance From Account to Account (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Account (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Account (Same Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Account (Different Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Name (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Name (Same Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 3.89TL 3.89TL BITT Excluded
Remittance From Account to Name (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 7.79TL 7.79TL BITT Excluded
Remittance From Account to Name (Different Branch) - For TRY 50 thousand and higher 51.44TL 77.97TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY 0 - TRY One Thousand 1.5TL 1.5TL BITT Excluded
Regular Remittance From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 1.5TL 1.5TL BITT Excluded
Regular Remittance From Account- For TRY 50 thousand and higher 1.5TL 1.5TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Remittance From Account to Account (Same Branch) - For the amounts between TRY 0 - TRY One Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Account (Same Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 3.85TL 3.85TL BITT Excluded
Remittance From Account to Account (Same Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY 0 - TRY One Thousand 1.55TL 1.55TL BITT Excluded
Remittance From Account to Account (Different Branch) - For the amounts between TRY One Thousand - TRY 50 Thousand 3.85TL 3.85TL BITT Excluded
Remittance From Account to Account (Different Branch) - For TRY 50 thousand and higher 15.50TL 15.50TL BITT Excluded

EFT

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
EFT Transferred From Account - For the amounts between TRY 0 - TRY One Thousand 7.79TL 7.79TL BITT Excluded
EFT Transferred From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 15.59TL 15.59TL BITT Excluded
EFT Transferred From Account - For TRY 50 thousand and higher 84.37TL 155.94TL BITT Excluded
EFT Transferred From Cash Desk- For the amounts between TRY 0 - TRY One Thousand 7.79TL 7.79TL BITT Excluded
EFT Transferred From Cash Desk - For the amounts between TRY One Thousand - TRY 50 Thousand 15.59TL 15.59TL BITT Excluded
EFT Transferred From Cash Desk - For TRY 50 thousand and higher 84.37TL 155.94TL BITT Excluded
EFT To Name- For the amounts between TRY 0 - TRY One Thousand 7.79TL 7.79TL BITT Excluded
EFT To Name - For the amounts between TRY One Thousand - TRY 50 Thousand 15.59TL 15.59TL BITT Excluded
EFT To Name - For TRY 50 thousand and higher 84.37TL 155.94TL BITT Excluded
Late EFT Fee - For the amounts between TRY 0 - TRY One Thousand 3.90TL 3.90TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Late EFT Fee - For the amounts between TRY One Thousand - TRY 50 Thousand 7.80TL 7.80TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Late EFT Fee- For TRY 50 thousand and higher 42.18TL 77.97TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Regular EFT From Account - For the amounts between TRY 0 - TRY One Thousand 3TL 3TL BITT Excluded
Regular EFT From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 3TL 3TL BITT Excluded
Regular EFT From Account- For TRY 50 thousand and higher 3TL 3TL BITT Excluded
Collective EFT - For the amounts between TRY 0 - TRY One Thousand 1.3TL 1.3TL BITT Excluded
Collective EFT - For the amounts between TRY One Thousand - TRY 50 Thousand 1.3TL 1.3TL BITT Excluded
Collective EFT- For TRY 50 thousand and higher 1.3TL 1.3TL BITT Excluded
Gold Transfer (0.00 - 10.00 grams) 2.65TL 2.65TL BITT Included
Gold Transfer (10.01 - 100.00 grams) 3.97TL 3.97TL BITT Included
Gold Transfer (100.01 - 250.00 grams) 5.30TL 5.30TL BITT Included
Gold Transfer (250.01 - 500.00 grams) 6.62TL 6.62TL BITT Included
Gold Transfer (500.01 - 99999999999.00 grams) %0.0100 %0.0100 BITT Included
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
EFT Transferred From Account - For the amounts between TRY 0 - TRY One Thousand 1.55TL 1.55TL BITT Excluded Including the transactions to be performed through the FAST system.
EFT Transferred From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 3.11TL 3.11TL BITT Excluded
EFT Transferred From Account - For TRY 50 thousand and higher 27TL 27TL BITT Excluded
Late EFT Fee - For the amounts between TRY 0 - TRY One Thousand 0.78TL 0.78TL BITT Excluded To be collected in addition to the EFT fee after 16:00. Including the transactions to be performed through the FAST system.
Late EFT Fee - For the amounts between TRY One Thousand - TRY 50 Thousand 1.56TL 1.56TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Late EFT Fee- For TRY 50 thousand and higher 13.50TL 13.50TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Regular EFT From Account - For the amounts between TRY 0 - TRY One Thousand 1TL 1TL BITT Excluded
Regular EFT From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 2TL 2TL BITT Excluded
Regular EFT From Account- For TRY 50 thousand and higher 3TL 3TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
EFT Transferred From Account - For the amounts between TRY 0 - TRY One Thousand 1.55TL 1.55TL BITT Excluded Including the transactions to be performed through the FAST system.
EFT Transferred From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 3.11TL 3.11TL BITT Excluded Including the transactions to be performed up to TRY 2.000 through the FAST system.
EFT Transferred From Account - For TRY 50 thousand and higher 27TL 27TL BITT Excluded
Late EFT Fee - For the amounts between TRY 0 - TRY One Thousand 0.78TL 0.78TL BITT Excluded To be collected in addition to the EFT fee after 16:00. Including the transactions to be performed through the FAST system.
Late EFT Fee - For the amounts between TRY One Thousand - TRY 50 Thousand 1.56TL 1.56TL BITT Excluded To be collected in addition to the EFT fee after 16:00. Including the transactions to be performed up to TRY 2.000 through the FAST system.
Late EFT Fee- For TRY 50 thousand and higher 13.50TL 13.50TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Regular EFT From Account - For the amounts between TRY 0 - TRY One Thousand 1TL 1TL BITT Excluded
Regular EFT From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 2TL 2TL BITT Excluded
Regular EFT From Account- For TRY 50 thousand and higher 3TL 3TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
EFT Transferred From Account - For the amounts between TRY 0 - TRY One Thousand 7.79TL 7.79TL BITT Excluded
EFT Transferred From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 15.59TL 15.59TL BITT Excluded
EFT Transferred From Account - For TRY 50 thousand and higher 84.37TL 155.94TL BITT Excluded
Regular EFT From Account - For the amounts between TRY 0 - TRY One Thousand 3TL 3TL BITT Excluded
Regular EFT From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 3TL 3TL BITT Excluded
Regular EFT From Account- For TRY 50 thousand and higher 3TL 3TL BITT Excluded
Late EFT Fee - For the amounts between TRY 0 - TRY One Thousand 3.90TL 3.90TL BITT Excluded To be collected in addition to the EFT charge after 16:00.
Late EFT Fee - For the amounts between TRY One Thousand - TRY 50 Thousand 7.80TL 7.80TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Late EFT Fee- For TRY 50 thousand and higher 42.18TL 77.97TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
EFT Transferred From Account - For the amounts between TRY 0 - TRY One Thousand 3.00TL 3.00TL BITT Excluded
EFT Transferred From Account - For the amounts between TRY One Thousand - TRY 50 Thousand 7.75TL 7.75TL BITT Excluded
EFT Transferred From Account - For TRY 50 thousand and higher 20.25TL 20.25TL BITT Excluded
Late EFT Fee - For the amounts between TRY 0 - TRY One Thousand 1.50TL 1.50TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Late EFT Fee - For the amounts between TRY One Thousand - TRY 50 Thousand 3.88TL 3.88TL BITT Excluded To be collected in addition to the EFT fee after 16:00.
Late EFT Fee- For TRY 50 thousand and higher 10.13TL 10.13TL BITT Excluded To be collected in addition to the EFT fee after 16:00.

Swift

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
International Fund Transfer Fee 129TL 129TL BITT Excluded
Domestic FX Remittance (International Fund Transfer Fee shall be collected separately.) %0.5000 60TL 544TL BITT Excluded
International FX Remittance (International Fund Transfer Fee shall be collected separately.) %0.5000 115TL 544TL BITT Excluded
Incoming International Fund Transfer Fee %0.5000 88TL 544TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
International Fund Transfer Fee - For the amounts less than 50 thousand in FX 129TL 129TL BITT Excluded
International Fund Transfer Fee - For 50 thousand in FX and higher 129TL 129TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
International Fund Transfer Fee - For the amounts less than 50 thousand in FX 129TL 129TL BITT Excluded
International Fund Transfer Fee - For 50 thousand in FX and higher 129TL 129TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
International Fund Transfer Fee 129TL 129TL BITT Excluded
Domestic FX Remittance (International Fund Transfer Fee shall be collected separately.) %0.5000 60TL 544TL BITT Excluded
International FX Remittance (International Fund Transfer Fee shall be collected separately.) %0.5000 115TL 544TL BITT Excluded

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cash Withdrawal At Different Branch 1.50TL 1.50TL BITT Excluded

Cheques

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Laser And Continuous Cheque (Leaf) Cost (Excluding valuable paper fee) 1TL 10TL BITT excluded, and valuable paper fee shall be collected separately.
10-Leaf Cheque Book Cost (Excluding valuable paper fee) 50TL 250TL BITT excluded, and valuable paper fee shall be collected separately.
25-Leaf Cheque Book Cost (Excluding valuable paper fee) 120TL 600TL BITT excluded, and valuable paper fee shall be collected separately.
Lost Cheque Leaf Notice 25TL 250TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Collection of Cheques of our Bank From Cash Desk in TRY 20TL 100TL BITT Excluded
Collection of Cheques of our Bank From Cash Desk in FX 20TL 500TL BITT Excluded
Cost For Collection of Cheques of Other Branches/Banks in TRY 20TL 500TL BITT Excluded
Cost For Collection of Cheques of Other Branches/Banks in FX 40TL 500TL BITT Excluded
Cost For Cheques of Other Branches/Banks-Contracted Clearing-TRY Guarantee 5TL 50TL BITT Excluded
Cost for Other Branch/Bank Cheques-FX Guarantee 5TL 50TL BITT Excluded
Cheque Date Deferral 10TL 100TL BITT Excluded
Cheque Return Commission 100TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Blocked Cheque Cost Per Leaf (From Account) 100TL 500TL BITT Excluded
Blocked Cheque Cost Per Leaf (From Cash Desk) 20TL 100TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Fee for Reporting Dishonored Cheques 25TL 250TL BITT Excluded
Dishonored Cheque Correction/Payment in Person 10TL 100TL Correction made upon payment of any dishonored cheque subsequently by the drawer. BITT Excluded

Promissory Notes

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Promissory Note Transaction Commission Collection 15TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Promissory Note Transaction Commission Guarantee 15TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Promissory Note Notice Cost 15TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Promissory Note Return Cost 15TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Promissory Note Protest Cost 30TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Promissory Note Protest Withdrawal Cost 30TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Collection of Promissory Note From the Same Bank 15TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.
Collection of Promissory Note From the Correspondent Bank 15TL BITT Excluded, and the correspondent bank cost and Notary costs shall be collected separately.

Consumer Loans

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Consumer Loan (1-36 months) Interest Rate %2.5100 The interest rate applicable for all amounts with a maturity period of 1-36 months. RUSF and BITT excluded. The maturity shall be limited to 24 months for the loans with a loan amount of TRY 50.000, and it shall be applied maximum as 36 months for the loans with lesser amounts.
Consumer Loan (12 months) Total Monthly Cost Rate %2.9244 It is applicable for the Consumer Loan product in the amount of TRY 8.000 with a maturity period of 12 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 42, including all taxes, has been included..
Consumer Loan (12 months) Effective Annual Cost Rate %41.3247 It is applicable for the Consumer Loan product in the amount of TRY 8.000 with a maturity period of 12 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 42, including all taxes, has been included.
Consumer Loan (36 months) Total Monthly Cost Rate %2.9769 It is applicable for the Consumer Loan product in the amount of TRY 8.000 with a maturity period of 36 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 42, including all taxes, has been included..
Consumer Loan (36 months) Effective Annual Cost Rate %42.1932 It is applicable for the Consumer Loan product in the amount of TRY 8.000 with a maturity period of 36 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 42, including all taxes, has been included.
Personal Finance Loan (1-24 months) Interest Rate %2.5100 The interest rate applicable for all amounts with a maturity period of 1-24 months. Personal Finance Loan is exempt from BITT. The interest rate excluding the RUSF.
Personal Finance Loan (24 months) Total Monthly Cost Rate %3.0204 It is applicable for the Personal Finance Loan product in the amount of TRY 100.000 and a maturity period of 24 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 500 and an appraisal fee of TRY 1436 and a fee of TRY 257.24 for pledge of movables and immovables have been included. It is exempt from BITT, and RUSF has been included.
Personal Finance Loan (24 months) Effective Annual Cost Rate %42.9158 It is applicable for the Personal Finance Loan product in the amount of TRY 100.000 and a maturity period of 24 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 1436 and an appraisal fee of TRY 678.50 and a fee of TRY 257.24 for pledge of movables and immovables have been included. It is exempt from BITT, and RUSF has been included.
Overdraft Account Interest Rate %1.8000 RUSF and BITT are excluded.
Overdraft Account Annual Cost Rate %21.6000 RUSF and BITT are excluded.
Installment Overdraft %1.8000 %1.8000 BITT and RUSF are excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Consumer Loan %0.5000 %0.5000 BITT excluded.
Personal Finance Loan %0.5000 %0.5000 BITT excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Fee For Pledge of Movables and Immovables 257.24TL 999.99TL It varies depending o the house that constitutes the subject matter to the transaction.
Appraisal Fee 678.50TL 999.99TL It varies depending o the house that constitutes the subject matter to the transaction.
Mortgage Loans Early Repayment Fee (The loans with a remaining maturity less than 36 months) %1.0000 %1.0000 BITT excluded. It is applicable for the loans covered by the housing loan.
Mortgage Loans Early Repayment Fee (The loans with a remaining maturity more than 36 months) %2.0000 %2.0000 BITT excluded. It is applicable for the loans covered by the housing loan.
Life Insurance Cost 45TL Life Insurance Cost varies depending on the age, gender, loan amount and maturity.
Repayment of Personal Loan Debts through Akbank ATMs X10.28TL 10.28TL BITT is not included.
Repayment of Personal Loan Debts through PTT 6.00TL 6.00TL BITT included

Vehicle Loans

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Vehicle Loan (1-48 months) Interest Rate %2.5600 The interest rate applicable for a maturity period of 1-48 months. RUSF and BITT are excluded.
Vehicle Loan (12 months) Monthly Cost Rate %2.2234 It is applicable for the Vehicle Loan product in the amount of TRY 20.000 with a maturity period of 12 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 105, including all taxes, has been included..
Vehicle Loan (12 months) Effective Annual Cost Rate %30.1976 It is applicable for the Vehicle Loan product in the amount of TRY 20.000 with a maturity period of 12 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 105, including all taxes, has been included.
Vehicle Loan (36 months) Monthly Cost Rate %2.7316 It is applicable for the Vehicle Loan product in the amount of TRY 20.000 with a maturity period of 36 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 105, including all taxes, has been included..
Vehicle Loan (36 months) Effective Annual Cost Rate %38.1806 It is applicable for the Vehicle Loan product in the amount of TRY 20.000 with a maturity period of 36 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 105, including all taxes, has been included.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Vehicle Loan %0.5000 %0.5000 BITT excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Personal Accident Insurance Cost 99TL The Cost for the Personal Accident Insurance for a period of 1 year. It varies depending on the age, gender, loan amount and maturity.
Motor Own Damage Insurance Cost 2500TL The amount specified is an average cost. It varies depending on the model, make, specifications, damage background and also the traffic background of the driver.
Repayment of Personal Loan Debts through Akbank ATMs 10.28TL 10.28TL BITT is not included.
Repayment of Personal Loan Debts through PTT 6.00TL 6.00TL BITT included

Housing Loans

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Housing Loan (1-120 months) Interest Rate %2.5300 It is exempt from RUSF and BITT.
Housing Loan (12 months) Monthly Cost Rate %2.7699 It is applicable for the Housing Loan product in the amount of TRY 100.000 with a maturity period of 12 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 1,436 and an appraisal fee of TRY 678.50 and a fee of TRY 257.24 for pledge of movables and immovables have been included.
Housing Loan (12 months) Effective Annual Cost Rate %38.7999 It is applicable for the Housing Loan product in the amount of TRY 100.000 with a maturity period of 12 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 500 and an appraisal fee of TRY 678.50 and a fee of TRY 257.24 for pledge of movables and immovables have been included.
Housing Loan (120 months) Monthly Cost Rate %2.5735 It is applicable for the Housing Loan product in the amount of TRY 100.000 with a maturity period of 120 months. In respect of calculation of the monthly cost rate, a loan allocation fee of TRY 1,436 and an appraisal fee of TRY 678.50 and a fee of TRY 257.24 for pledge of movables and immovables have been included.
Housing Loan (120 months) Effective Annual Cost Rate %36.6515 It is applicable for the Housing Loan product in the amount of TRY 100.000 with a maturity period of 120 months. In respect of calculation of the effective annual cost rate, a loan allocation fee of TRY 1,436 and an appraisal fee of TRY 678.50 and a fee of TRY 257.24 for pledge of movables and immovables have been included.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Housing Loan %0.5000 %0.5000 It is exempt from BITT.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Fee For Pledge of Movables and Immovables 257.24TL 99999TL It varies depending o the house that constitutes the subject matter to the transaction.
Appraisal Fee 678.50TL 99999TL It is exempt from BITT.
Housing Loan Early Repayment Fee (The loans with a remaining maturity less than 36 months) %1.0000 %1.0000 BITT excluded.
Housing Loan Early Repayment Fee (The loans with a remaining maturity more than 36 months) %2.0000 %2.0000 BITT excluded.
Housing Loan Restructuring / Interest Discount Fee %2.0000 %2.0000 It is exempt from BITT.
Life Insurance Cost %50.0000 50TL Life Insurance Cost varies depending on the age, gender, loan amount and maturity.
Compulsory Earthquake Insurance (DASK/TCIP-Turkish Catastrophe Insurance Pool) Premium Cost 125TL An average cost for a flat of 120 square meters in Istanbul has been specified. It varies depending on the specifications of the house.
Property Insurance Premium Cost 150TL An average cost for a flat of 120 square meters in Istanbul and with a value of TRY 120.000 has been specified. It varies depending on the specifications of the house.
Repayment of Personal Loan Debts through Akbank ATMs 10.28TL 10.28TL BITT is not included.
Repayment of Personal Loan Debts through PTT 6.00TL 6.00TL BITT included

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cash Withdrawal Through the Domestic ATMs of Other Banks %1.1500 %1.1500 1.04TL 1.04TL BITT excluded. It shall apply as rate + amount.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cash Depositing Through the Domestic ATMs of Other Banks %1.1500 %1.1500 1.04TL 1.04TL BITT excluded. It shall apply as rate + amount.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Balance Inquiry Through the Domestic ATMs of Other Banks 0.27TL 0.27TL BITT excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cash Withdrawal Through International ATMs %1.0000 5DGR 5DGR BITT Included. It shall be collected in the currency in which the transaction is performed. It shall apply as rate + amount.

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Credit Card Annual Fee - Bank'O Card Axess 185TL 185TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Fee - Bank'O Card Axess Gold 220TL 220TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Fee - Bank'O Card Axess Platinum 250TL 250TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Fee - Bank'O Atlas 250TL 250TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Fee - Privileged Card 400TL 400TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT Included. No card fee shall be reflected on the cards of our customers who have an asset balance of TRY 100.000 or higher on average on yearly basis.
Credit Card Annual Fee - Odeabank Private Card 740TL 740TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT Included. In order for holding an Odeabank Private Card, the respective person must have a minimum asset balance ofTRY 1.000.000 on average on yearly basis No card fee shall be reflected on your card, as long as you meet such requirement.
Credit Card Annual Fee - Private Card 740TL 740TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT Included. No card fee shall be reflected on the cards of our customers who have an asset balance of TRY 1.000000 or higher on average on yearly basis.
Credit Card Annual Additional Card Fee - Bank'O Card Axess 90TL 90TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Additional Card Fee - Bank'O Card Axess Gold 110TL 110TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Additional Card Fee - Bank'O Card Axess Platinum 125TL 125TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Additional Card Fee - Bank'O Atlas 125TL 125TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT included.
Credit Card Annual Fee - Privileged Card Additional Card 200TL 200TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT Included. No card fee shall be reflected on the cards of our customers who have an asset balance of TRY 100.000 or higher on average on yearly basis.
Credit Card Annual Fee - Odeabank Private Card Additional Card 370TL 370TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT Included. In order for holding an Odeabank Private Card, the respective person must have a minimum asset balance ofTRY 1.000.000 on average on yearly basis No card fee shall be reflected on your card, as long as you meet such requirement.
Credit Card Annual Fee - Private Card Additional Card 370TL 370TL Credit Card Membership Fee is the amount that is required to be paid on yearly basis by the Card Holder in exchange for the utilization of the card provided. BITT Included. No card fee shall be reflected on the cards of our customers who have an asset balance of TRY 1.000000 or higher on average on yearly basis.
Credit Card Annual Fee - Bank'O Card 0TL 0TL
Credit Card Annual Fee - Bank'O Card Gold 0TL 0TL
Credit Card Annual Fee - Bank'O Card Platinum 0TL 0TL
Credit Card Annual Additional Card Fee - Bank'O Card 0TL 0TL
Credit Card Annual Additional Card Fee - Bank'O Card Gold 0TL 0TL
Credit Card Annual Additional Card Fee - Bank'O Card Platinum 0TL 0TL
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Contractual Rate of Interest %1.8000 %1.8000 BITT and RUSF are excluded.
Default Interest %2.1000 %2.1000 BITT and RUSF are excluded.
Cash Advance Interest %1.8000 %1.8000 BITT and RUSF are excluded.
Installment Cash Advance Interest %1.8000 %1.8000 BITT and RUSF are excluded.
Cash Advance Fee %1.0000 %1.0000 BITT excluded.
Other Bank Cash Advance Fee (Domestic) %3.5000 %3.5000 0.50TL 0.50TL BITT excluded.
Other Bank Cash Advance Fee (International - TRY) %1.0000 %1.0000 BITT excluded.
International Cash Advance Fee (USD) %1.0000 %1.0000 BITT excluded.
Fee For Repayment of Credit Card Debt through PTT 6.00TL 6.00TL BITT included
Fee For Repayment of Credit Card Debt through Akbank ATMs (Cardless transaction) 10.28TL 10.28TL BITT excluded.
Fee For Withdrawing Cash By Means of Debit Card through the ATMs of Other Banks %1.1500 %1.1500 1.04TL 1.04TL BITT excluded.
Fee For Withdrawing Cash By Means of Debit Card through the International ATMs %1.0000 %1.0000 5DGR 5DGR BITT Included. It shall be collected in the currency in which the transaction is performed. It shall apply as rate + amount.
Fee For Balance Inquiry By Means of Debit Card through the ATMs of Other Banks 0.27TL 0.27TL BITT excluded.
Fee For Depositing Cash through the ATMs of Other Banks %1.1500 %1.1500 1.04TL 1.04TL BITT excluded.

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Annual Fee 510TL 510TL Also a security deposit shall be collected. BITT Excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Annual Fee 610TL 610TL Also a security deposit shall be collected. BITT Excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Annual Fee 710TL 710TL Also a security deposit shall be collected. BITT Excluded.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Safe-Deposit Box Security Deposit 510TL 510TL BITT Excluded

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Transaction Fee 2.55TL It shall be collected for each account to be opened.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Transaction Fee 8TL Receipt of the investor registration number and the investor's password linked therewith by the investor is not required in respect of accrual of the fee.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Maintenance Fee 0TL It shall be collected on daily basis from the accounts with a safekeeping balance with a market amount of TRY 1.000 and higher. The daily amount is TRY 0.015708.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Warrant, CDI (Corporate Debt Instruments), ABS (Asset Backed Securities), AGS (Asset Guaranteed Securities), ETF (Exchange Traded Funds), Lease Certificate Trading Transactions at Borsa Istanbul 0.03TL A fee shall be collected per each number of entries.
Mutual Fund Unit Trading Transactions 0.01TL It shall be collected at 0.075 per ten-thousandth on the basis of the transaction amount.
Government Debt Securities Trading Transactions 0TL It shall be collected up to the number of the transactions. The amount per transaction is TRY 0.0225.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Investment Funds Linked To Equities and Participation Umbrella Funds %0.0001 It shall be collected on daily basis up to 0.5 per ten-thousandth of the multiplication of the number of equities with the equity price, annually.
Other Investment Funds %0.0001 It shall be collected on daily basis up to 1 per ten-thousandth of the multiplication of the number of equities with the equity price, annually.
CDI (Corporate Debt Instruments), ABS (Asset Backed Securities), AGS (Asset Guaranteed Securities), Lease Certificates and GDS (Government Debt Securities) Principal %0.0001 It shall be collected on daily basis up to 0.5 per ten-thousandth of the nominal value.
CDI (Corporate Debt Instruments), ABS (Asset Backed Securities), AGS (Asset Guaranteed Securities), Lease Certificates and GDS (Government Debt Securities) Coupons %0.0001 It shall be collected on daily basis up to 0.5 per ten-thousandth of the nominal value.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
CDI (Corporate Debt Instruments), ABS (Asset Backed Securities), AGS (Asset Guaranteed Securities), Lease Certificates, Investment Fund Principal and Coupon Redemption %0.0001 It shall be collected on the basis of 1 per ten-thousandth of the payment amount.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Inter-Member Security Transfer 1.88TL It shall be collected up to the number of the transactions.
Intra-Member Inter-Account Security Transfer 0.38TL It shall be collected up to the number of the transactions.

Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Fee For the Intermediation Services From Cash Desk (For Real Person Customers) 7.25TL BITT Excluded
Fee For Intermediation Services From Credit Card %1.5000 1.25TL A commission of TRY 1.25 shall be collected for the payments up to TRY 100, and a commission up to 1.5% of the amount shall be collected for the higher amounts. BITT included
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cost For Sending the Previous Period's Account Statement 1.5TL 10.00TL It shall be collected for the loan, credit card, overdraft, deposit account statements issued on a date earlier than one year. A fee shall be collected per page for the account activities during the previous period. BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cost For Sending Assets Statement 8.4TL 8.4TL Applicable for sending by mail; it shall be collected as the fee for sending investment statement by registered mail. BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cost For Previous Period's Receipt (For Real Personal Customers) 12,25TL 12,25TL It shall be collected for any request for any receipt issued on a date earlier than one year. BITT Excluded
Cost For Historical Receipt (For Legal Person Customers) 2TL 2TL The cost for a request for a historical receipt shall be collected per each receipt in respect of any request for a receipt issued on a date earlier than one year. BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cost For Previous Period's Agreement Copy, Tax Collection Receipt, Premium Collection Receipt, etc. Document Copy (For Real Person Customers) 7.25TL 7.25TL It shall be collected in case of any request for any document issued on a date earlier than one year. BITT Excluded
Cost For Previous Period's Agreement Copy, Tax Collection Receipt, Premium Collection Receipt, etc. Document Copy (For Legal Person Customers) 2TL 2TL It shall be collected up to the amount of its cost during the first one year. An amount of maximum TRY 2. shall be collected per page for any request for a document issued on a date earlier than one year. BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Letters Addressed To Consulates 85TL 85TL BITT Excluded
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Receipt of Discharge (For Real Person Customers) 14,5TL 14,5TL No cost shall be collected for the first letter to be requested. BITT Excluded
Receipt of Discharge (For Legal Person Customers) 2TL It shall be collected as the amount of the cost, resulting from the 3rd party/entity, + TRY 2 per page.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cost for Payment of SSI (Social Security Institution) Premiums By Credit Card %2.5000 2.50TL BITT Included. A commission of TRY 2.50 shall be collected for the transactions with an amount between TRY 0 - TRY 100, and a commission shall be collected at 2.50% for the transactions amounting to TRY 100 and higher.
Transaction Type Minimum Amount Maximum Amount Minimum Percent Maximum Percent Explanation
Cost For Sending Overdraft Account Statement 6.00TL 6.00TL BITT Excluded It is applicable for sending by mail.