Product and Service Fees

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    ATM Fees
    ATM Transactions
    ATM Fees
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    ATM Gambling/Gaming Payment Transactions 20 TL BITT is included. Varies by company and is valid for Bilyoner, Tuttur.com, Nesine.com, Birebin.com, Misli.com, Oley.com, Nimet Abla, TJK, Joygame and Sisal. 29.01.2025
    Balance Inquiry from Other Bank ATMs 0.27 TL 0.27 TL Transaction fees are charged per transaction and are fixed and BITT is included 29.01.2025
    Paying Credit Card Debt from Other Bank ATMs 1.04 TL %1.15 1.04 TL %1.15 Transaction fees are 1.15% + 1.04 TL of the amount withdrawn per transaction. BITT is included. 29.01.2025
    Credit Card Debt Inquiry at Other Bank ATMs 0.27 TL 0.27 TL Transaction fees are charged per transaction and are fixed and BITT is included 29.01.2025
    Credit Card Limit Inquiry at Other Bank ATMs 0.27 TL 0.27 TL Transaction fees are charged per transaction and are fixed and BITT is included 29.01.2025
    Withdrawing Money from Other Bank ATMs 1.04 TL %1.15 1.04 TL %1.15 Transaction fees are 1.15% + 1.04 TL of the amount withdrawn per transaction. BITT is included. 29.01.2025
    Deposit Money from Other Bank ATMs 1.04 TL %1.15 1.04 TL %1.15 Transaction fees are 1.15% + 1.04 TL of the amount withdrawn per transaction. BITT is included. 29.01.2025
    Over Limit Withdrawals 18 TL 280 TL %2.8 In addition to your daily withdrawal limit, you can withdraw up to an additional TL 10,000 from ATMs. For each withdrawal within the 10,000 TL limit, a fee of 2.8% of the amount withdrawn, at least 18 TL, is charged. BITT is included. 29.01.2025
    Withdrawing Money International 3 USD 3 USD EUR 2 is charged in Euro zone and GBP 1.5 in Pound zone. There is no fee for the amount withdrawn from contracted bank ATMs. BITT is excluded. 29.01.2025
    Foreign cards ATM cash transaction commission amount (DCC) %8 %8 It is charged for card cash transactions abroad. BITT is included. 29.01.2025
    Withdrawing Money from Domestic ATMs with Foreign/International Cards %8 %8 It is charged for cash withdrawals made with foreign cards abroad. BITT is included. 29.01.2025
    ATM Bill Payment - Credit Card 1 TL %3 %3 3% + 1 TL is charged instantly on the transaction amount. BITT is included. 29.01.2025
    Bill Payment from ATM - From Account 5 TL 5 TL Charged per transaction. BITT is excluded. 29.01.2025
    ATM EFT Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 21,27 TL Transaction fees are charged per transaction and are fixed and exclude BITT 07.01.2025
    TL 6300.01 - TL 304.800 42,55 TL Transaction fees are charged per transaction and are fixed and exclude BITT 07.01.2025
    TL 304,800 and above 304,71 TL Transaction fees are charged per transaction and are fixed and exclude BITT 07.01.2025
    ATM Transfer
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 10,64 TL BITT is Excluded. 07.01.2025
    TL 6300.01 - TL 304.800 21,28 TL BITT is Excluded. 07.01.2025
    TL 304,800 and above 152,36 TL BITT is Excluded. 07.01.2025
    Card Deposit to Another Bank Account
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 21.27 TL BITT is Excluded. Fees are charged for deposits made to another bank account. 30.01.2025
    TL 6300.01 - TL 304.800 42.55 TL BITT is Excluded. Fees are charged for deposits made to another bank account. 30.01.2025
    TL 304,800 and above 304.71 TL BITT is Excluded. Fees are charged for deposits made to another bank account. 30.01.2025
    Card Deposit to Another TEB Account
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 10.64 TL BITT is Excluded. Deposits made to another account at TEB are subject to fees. 30.01.2025
    TL 6300.01 - TL 304.800 21.28 TL BITT is Excluded. Deposits made to another account at TEB are subject to fees. 30.01.2025
    TL 304,800 and above 152.36 TL BITT is Excluded. Deposits made to another account at TEB are subject to fees. 30.01.2025
    Cardless Account Deposit (3rd party)
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 10.64 TL BITT is Excluded. 3. Fees are charged for deposits made on behalf of an individual. 30.01.2025
    TL 6300.01 - TL 304.800 21.28 TL BITT is Excluded. 3. Fees are charged for deposits made on behalf of an individual. 30.01.2025
    TL 304,800 and above 152.36 TL BITT is Excluded. 3. Fees are charged for deposits made on behalf of an individual. 30.01.2025
    Personal Loans
    Personal Loans
    Land Loan
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Expertise Fee 17256,50 TL It is the fee collected within the scope of expertise activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. Exempt from BITT. 25.02.2025
    Mortgage Facility Fee 2784 TL 2784 TL Fees paid to third parties and collected from the customer within the scope of establishment, modification and release of mortgages related to movables or immovables subject to collateral. Exempt from BITT. 25.02.2025
    Loan Allocation Fee %0.50 Loan Allocation Fee is calculated as 0.5% of the loan disbursed and 15% BITT is included in the calculation. 25.02.2025
    Insurance Premium 871,98 TL Calculated for TL 10,000 and 36-month maturity loans. 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %475,0023% Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %337,1127% Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Monthly Interest Rate Insured-TL %10,00 25.02.2025
    Monthly Interest Rate Uninsured-TL %12,00 25.02.2025
    Pledge Fees 279,64 TL 279,64 TL This is the fee paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages related to movables or immovables subject to collateral and the pledge establishment, removal of pledges and consent processes of movables. Exempt from BITT. 25.02.2025
    Personal Finance Loans
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Expertise Fee 17256,50 TL It is the fee collected within the scope of expertise activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. 25.02.2025
    Mortgage Facility Fee 2784 TL 2784 TL Fees paid to third parties and collected from the customer within the scope of establishment, modification and release of mortgages related to movables or immovables subject to collateral. Exempt from BITT. 25.02.2025
    Loan Allocation Fee %0.50 Loan Allocation Fee is calculated as 0.5% of the loan disbursed and 15% BITT is included in the calculation. 25.02.2025
    Insurance Premium 871,98 TL Calculated for TL 10,000 and 36-month maturity loans. 25.02.2025
    Monthly Interest Rate Insured-TL %10,00 25.02.2025
    Monthly Interest Rate Uninsured-TL %12,00 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %475,0023 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %337,1127 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Early Closure Commission %2 Within the scope of the Housing Finance Law, the amount of the principal amount paid early cannot exceed 1% for loans with a remaining maturity not exceeding thirty-six months and 2% for loans with a remaining maturity exceeding thirty-six months. The prepayment compensation that may be collected cannot exceed the amount of the interest deduction. 25.02.2025
    Pledge Fees 279,64 TL 279,64 TL This is the fee paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages related to movables or immovables subject to collateral and the pledge establishment, removal of pledges and consent processes of movables. Exempt from BITT. 25.02.2025
    CEPTETEB Personal Loan
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.50 Loan Aloocation Fee is calculated as 0.5% of the loan disbursed and 15% BITT is included in the calculation. 20.01.2025
    Insurance Premium 871,98 TL Calculated for TL 10,000 and 36-month maturity loans. 20.01.2025
    Monthly Interest Rate Uninsured-TL %12,00 20.01.2025
    Monthly Interest Rate Insured-TL %10,00 20.01.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %475,0023 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 20.01.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %337,1127 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 20.01.2025
    CEPTETEB Resource Account - Overdraft Account
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Source Account - Overdraft Interest Rate %5 15% BITT, 15% Resource Utilization Support Fund will be added. 16.03.2024
    Mortgage Personal Loan
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Expertise Fee 17256,50 TL It is the fee collected within the scope of expertise activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. Exempt from BITT. 25.02.2025
    Mortgage Facility Fee 2784 TL 2784 TL Fees paid to third parties and collected from the customer within the scope of establishment, modification and release of mortgages related to movables or immovables subject to collateral. Exempt from BITT. 25.02.2025
    Loan Allocation Fee %0.5 Loan Allocation Fee is calculated as 0.5% of the loan disbursed and 15% BITT is included in the calculation. 25.02.2025
    Insurance Premium 871,98 TL Calculated for TL 10,000 and 36-month maturity loans. 25.02.2025
    Monthly Interest Rate Insured-TL %10,00 25.02.2025
    Monthly Interest Rate Uninsured-TL %12,00 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %475,0023 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %337,1127 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Pledge Fees 279,64 TL 279,64 TL This is the fee paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages related to movables or immovables subject to collateral and the pledge establishment, removal of pledges and consent processes of movables. Exempt from BITT. 25.02.2025
    Source Account - Overdraft Account
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Source Account - Overdraft Interest Rate %5 15% BITT, 15% Resource Utilization Support Fund will be added. 16.03.2024
    Standard Personal Loan
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.5 Loan Allocation Fee is calculated as 0.5% of the loan disbursed and 15% BITT is included in the calculation. 25.02.2025
    Insurance Premium 871,98 TL Calculated for TL 10,000 and 36-month maturity loans. 25.02.2025
    Monthly Interest Rate Insured-TL %10,00 25.02.2025
    Monthly Interest Rate Uninsured-TL %12,00 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %337,1127 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %475,0023 Calculated for TL 10,000 and 36-month maturity loans. Insurance premium, mortgage establishment fee and appraisal fee are not included in the annual cost ratio calculation. 25.02.2025
    Pledge Fees 279,64 TL 279,64 TL This is the fee paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages related to movables or immovables subject to collateral and the pledge establishment, removal of pledges and consent processes of movables. Exempt from BITT. 25.02.2025
    Housing Loans
    Early Closure Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Early Closure Commission %2.00 Within the scope of the Housing Finance Law, the amount of the principal amount paid early cannot exceed 1% for loans with a remaining maturity not exceeding thirty-six months and 2% for loans with a remaining maturity exceeding thirty-six months. The prepayment compensation that may be collected cannot exceed the amount of interest deduction. 09.12.2021
    First Home Mortgage Loan 3-60 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. Exempt from BITT. 18.06.2025
    Mortgage Facility Fee 2.784 TL 2.784 TL Fees paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages on movables or immovables subject to collateral and the pledging of movables. Exempt from BITT. 18.06.2025
    Insurance Premium 960 TL It varies depending on the customer using the loan 18.06.2025
    Monthly Interest Rate Insured-TL %3,35 Interest rate applied for 5 years maturity. Exempt from the Resource Utilization Support Fund and BITT under the Housing Finance Law. 18.06.2025
    Expertise Fee 17.256,50 TL Fee collected within the scope of appraisal activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. Exempt from BITT. The appraisal fee varies according to the location and m² of the house. 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %69,9338 Calculated for TL 100,000 and 60-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding legal taxes and insurance. 18.06.2025
    Monthly Interest Rate Uninsured-TL %3,50 Interest rate applied for 5 years maturity. Exempt from Resource Utilization Support Fund and BITT under the Housing Finance Law 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %67,8294 Calculated for TL 100,000 and 60-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding statutory taxes and insurance 18.06.2025
    First Home Mortgage Loan 61-120 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. Exempt from BITT. 18.06.2025
    Expertise Fee 17.256,50 TL Fee collected within the scope of appraisal activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. Exempt from BITT. The appraisal fee varies according to the location and m² of the house. 18.06.2025
    Mortgage Facility Fee 2.784 TL 2.784 TL Fees paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages on movables or immovables subject to collateral and the pledging of movables. Exempt from BITT. 18.06.2025
    Monthly Interest Rate Uninsured-TL %3,14 Interest rate applied for 10 years maturity. Exempt from the Resource Utilization Support Fund and BITT under the Housing Finance Law. 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %65,1057 Calculated for TL 100,000 and 120-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding statutory taxes and insurance 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %67,2365 Calculated for TL 100,000 and 120-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding statutory taxes and insurance 18.06.2025
    Insurance Premium 960 TL It varies depending on the customer using the loan 18.06.2025
    Monthly Interest Rate Insured-TL %2,99 Interest rate applied for 10 years maturity. Exempt from the Resource Utilization Support Fund and BITT under the Housing Finance Law. 18.06.2025
    Mortgage loan 3 - 60 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Expertise Fee 17.256,50 TL Fee collected within the scope of appraisal activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. Exempt from BITT. The appraisal fee varies according to the location and m² of the house. 18.06.2025
    Mortgage Facility Fee 2.784 TL 2.784 TL Fees paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages on movables or immovables subject to collateral and the pledging of movables. Exempt from BITT. 18.06.2025
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. BITT is included for the customer who has a registered house as of the date of the loan 18.06.2025
    Insurance Premium 960 TL It varies depending on the customer using the loan 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %67,9204 Calculated for TL 100,000 and 60-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding legal taxes and insurance. 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %70,0271 Calculated for TL 100,000 and 60-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding legal taxes and insurance. 18.06.2025
    Monthly Interest Rate Insured-TL %3,35 Interest rate applied for 5 years maturity. Resource Utilization Support Fund is exempt under the Housing Finance Law. BITT is added to the payment plan for the customer who has a registered house as of the date of the loan utilization. 18.06.2025
    Monthly Interest Rate Uninsured-TL %3,50 Interest rate applied for 5 years maturity. Resource Utilization Support Fund is exempt under the Housing Finance Law. BITT is added to the payment plan for the customer who has a registered house as of the date of the loan utilization. 18.06.2025
    Mortgage loan 61 - 120 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Expertise Fee 17.256,50 TL Fee collected within the scope of appraisal activities carried out to determine the collateral value of movables or immovables subject to collateral. Only fees paid to third parties can be charged for appraisal transactions related to movables and immovables. Exempt from BITT. The appraisal fee varies according to the location and m² of the house 18.06.2025
    Mortgage Facility Fee 2.784 TL 2.784 TL Fees paid to third parties and collected from the customer within the scope of the establishment, modification and release of mortgages on movables or immovables subject to collateral and the pledging of movables. Exempt from BITT. 18.06.2025
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. BITT is included for the customer who has a registered house as of the date of the loan 18.06.2025
    Insurance Premium 960 TL It varies depending on the customer using the loan. 18.06.2025
    Monthly Interest Rate Insured-TL %2,99 Interest rate applied for 10 years maturity. Resource Utilization Support Fund is exempt under the Housing Finance Law. BITT is added to the payment plan for the customer who has a registered house as of the date of the loan utilization. 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %65,1770 Calculated for TL 100,000 and 120-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding legal taxes and insurance. 18.06.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %67,3102 Calculated for TL 100,000 and 120-month maturity loans. Effective Annual Interest Rate / Annual Cost Rate includes all costs excluding statutory taxes and insurance 18.06.2025
    Monthly Interest Rate Uninsured-TL %3,14 Interest rate applied for 10 years maturity. Resource Utilization Support Fund is exempt under the Housing Finance Law. BITT is added to the payment plan for the customer who has a registered house as of the date of the loan utilization. 18.06.2025
    Vehicle Loans
    Vehicle Loan 0 km 25 - 48 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. Excludes BITT 26.02.2025
    Insurance Premium 615.83 TL It varies depending on the customer using the loan 26.02.2025
    Monthly Interest Rate Insured-TL %6,00 Excluding BITT and Resource Utilization Support Fund 26.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %148,0132 Calculated for TL 50,000 and 48-month maturity loans. The rate expressed as annual cost rate is the effective annual interest rate and the calculation includes allocation fee, pledge fee but excludes insurance costs. 26.02.2025
    Monthly Interest Rate Uninsured-TL %8,00 Excluding BITT and Resource Utilization Support Fund 26.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %230,6453 Calculated for TL 50,000 and 48-month maturity loans. The rate expressed as annual cost rate is the effective annual interest rate and the calculation includes allocation fee, pledge fee but excludes insurance costs. 26.02.2025
    Pledge Fees 279,64 TL 279,64 TL Fees paid to third parties and collected from the customer within the scope of pledge establishment, removal of pledge and consent processes of movables. Exempt from BITT. 26.02.2025
    Vehicle Loan 0 km 3 - 24 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. Excludes BITT 26.02.2025
    Insurance Premium 615.83 TL It varies depending on the customer using the loan 26.02.2025
    Monthly Interest Rate Insured-TL %6,00 Excluding BITT and Resource Utilization Support Fund 26.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %148,1641 Calculated at 3.30% interest rate for a loan of TL 50,000 with a maturity of 24 months. The rate expressed as annual cost rate is the effective annual interest rate and the calculation includes allocation fee, pledge fee but excludes insurance costs. 26.02.2025
    Monthly Interest Rate Uninsured-TL %8,00 Excluding BITT and Resource Utilization Support Fund 26.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %230,6138 Calculated at 3.30% interest rate for a loan of TL 50,000 with a maturity of 24 months. The rate expressed as annual cost rate is the effective annual interest rate and the calculation includes allocation fee, pledge fee but excludes insurance costs. 26.02.2025
    Pledge Fees 279,64 TL 279,64 TL Fees paid to third parties and collected from the customer within the scope of pledge establishment, removal of pledge and consent processes of movables. Exempt from BITT. 26.02.2025
    Vehicle Loan 2nd hand 3 - 48 months
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Loan Allocation Fee %0.50 Allocation fee is charged up to the maximum maximum rate. Excludes BITT 26.02.2025
    Insurance Premium 1,241.55 TL It varies depending on the customer using the loan 26.02.2025
    Monthly Interest Rate Insured-TL %6,00 Excluding BITT and Resource Utilization Support Fund 26.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Insured %148,0132 Calculated at 3.30% interest rate for a loan of TL 50,000 with a maturity of 48 months. The rate expressed as annual cost rate is the effective annual interest rate and the calculation includes allocation fee, pledge fee but excludes insurance costs. 26.02.2025
    Effective Annual Interest Rate / Annual Cost Rate Uninsured %230,6453 Calculated at 3.30% interest rate for a loan of TL 50,000 with a maturity of 48 months. The rate expressed as annual cost rate is the effective annual interest rate and the calculation includes allocation fee, pledge fee but excludes insurance costs. 26.02.2025
    Monthly Interest Rate Uninsured-TL %8,00 Excluding BITT and Resource Utilization Support Fund 26.02.2025
    Pledge Fees 279,64 TL 279,64 TL Fees paid to third parties and collected from the customer within the scope of pledge establishment, removal of pledge and consent processes of movables. Exempt from BITT. 26.02.2025
    Checks and Promissory Notes
    Check Transactions
    Collection of Bank Checks New
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    TEB Check Collection Commission TL/YP 216 TL 2526 TL It is charged per check sheet. BITT is excluded. 17.01.2025
    Other Check Expenses
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Buying Travel Vouchers 1328 TL 8323 TL 17.01.2025
    Promissory Note Transactions
    Promissory Note Communication
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Promissory Note Communication Expense 505 TL 505 TL 17.01.2025
    Promissory Note Return
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Promissory Note Return Commission 505 TL 505 TL Pricing may vary according to the return fee transmitted by the Correspondent Bank. 17.01.2025
    Promissory Note Protest Notification
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Promissory Note Protest Notification Fee 469 TL 1436 TL 17.01.2025
    Promissory Note Protest Removal
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Promissory Note Protest Removal Charge 721 TL 721 TL 17.01.2025
    Promissory Note Protest
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Promissory Note Protest 5103 TL The amounts paid to the notary per transaction are charged in addition to the transaction cost of the bank. 10.02.2025
    Promissory Note Collection
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Promissory Note Collection Commission 1515 TL 1515 TL 17.01.2025
    Other
    Other Transactions
    Archive Research Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Retrospective Receipt Printing Fee (From Branch) 7 TL 7 TL No fee can be charged for the first year after the issue date 15.01.2025
    Printed Statement Fee Charged at the Branch 7 TL 7 TL No fee can be charged for the first year after the issue date. It is the amount charged per page. 15.01.2025
    Information Services
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    DHL 427 TL 5187 TL It is charged up to the cost amount of the amount paid to 3rd parties for the shipment. 16.10.2024
    SMS Sending Fee 0 TL 16.10.2024
    CEPTETEB Gambling Payment
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Gambling Payment 0 TL 20 TL Bilyoner. Tuttur.com. Nesine.com. Birebin.com. Misli.com. Oley.com. Turkish National Lottery. And valid for TJK. May vary on company and channel basis. 16.09.2024
    Bill/Institution Payment
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Bill/Institution Payment from Account 5 TL 5 TL Charged per transaction. BITT is excluded. 29.01.2025
    Union of Notaries of Turkey Secure Payment System 194,31 TL The cost amount determined by the Union of Notaries of Türkiye is collected from the customer. It is taken over the payment amount at the time of the transaction. 29.01.2025
    HGS Fast-Pass System
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    HGS Tag Fee 190 TL 190 TL 04.02.2025
    HGS Card Sales Fee 450 TL 450 TL 04.02.2025
    KKB Risk and Check Report Charge
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    KKB Check Report Charge (Internet/Mobile/Branch) 55,20 TL 55,20 TL Collection is made in the amount of Credit Bureau cost. BITT is excluded. 15.01.2025
    KKB Risk Report Charge (Internet) 55,20 TL 55,20 TL Collection is made in the amount of Credit Bureau cost. BITT is excluded. 15.01.2025
    KKB Risk Report Charge (Branch) 55,20 TL 55,20 TL Collection is made in the amount of Credit Bureau cost. BITT is excluded. 15.01.2025
    Gambling Payment Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    TEB Personal Internet and Mobile Branch 0 TL 20 TL BITT is included. Bilyoner. Tuttur.com. Nesine.com. Birebin.com. Misli.com. Oley.com. And valid for TJK. May vary on company and channel basis. 16.09.2024
    TEB Telephone Branch, TEB Star Line and TEB Special Line 0 TL 20 TL Bilyoner. Tuttur.com. Nesine.com. Birebin.com. Misli.com. Oley.com. Turkish National Lottery. Valid for TJK. May vary on company and channel basis. 16.09.2024
    Safe Deposit Box Fees
    Safe Deposit Box (Large Size)
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Safe Deposit Box (Large Size) 3.338 TL 16.603 TL Safe deposit box fees opened on or before 07.05.2023 are TL 3,338, safe deposit box fees opened between 08.05.2023 and 02.08.2024 are TL 10,106, safe deposit box fees opened between 05.08.2024 -09.01.2025 are TL 11,500, safe deposit box fees opened on or after 10/01/2025 are TL 16,603. BITT is excluded. 10.01.2025
    Safe Deposit Box Deposit
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Safe Deposit Box Deposit 9.384 TL 16.603 TL As of 10.01.2025, safe deposit fees of TL 9,384, TL 13,716 and TL 16,603 are collected for Small, Medium and Large Safe Deposit Boxes, respectively. Safe deposit boxes opened before this date may differ in terms of fees. Necessary information will be provided in case of any changes in these fees. BITT is excluded. 29.04.2025
    Safe Deposit Box (Small Size)
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Safe Deposit Box (Small Size) 2.137 TL 9.384 TL Safe deposit box fees opened on or before 07.05.2023 are TL 2,137, safe deposit box fees opened between 08.05.2023 and 02.08.2024 are TL 6,497, safe deposit box fees opened between 05.08.2024 -09.01.2025 are TL 6,500, safe deposit box fees opened on or after 10/01/2025 are TL 9,384. BITT is excluded. 10.01.2025
    Safe Deposit Box (Medium Size)
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Safe Deposit Box (Medium Size) 2.610 TL 13.716 TL Safe deposit box fees opened on or before 07.05.2023 are TL 2,610, safe deposit box fees opened between 08.05.2023 and 02.08.2024 are TL 7,724, safe deposit box fees opened between 05.08.2024 -09.01.2025 are TL 9,500, safe deposit box fees opened on or after 10/01/2025 are TL 13,716. BITT is excluded. 23.01.2025
    Credit and Debit Cards
    Bank Cards
    Card Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Debit Card 0 TL 0 TL 04.09.2020
    TEB Debit Card 0 TL 0 TL 04.09.2020
    Credit Cards
    Shopping
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Shopping Interest Rate to be applied for customers with a term debt below TL 25,000 %3.50 %3.50 The related interest rate is effective from 01.11.2024. 15.11.2024
    Shopping Delay Interest Rate to be applied for customers with a period debt below TL 25,000 %3.80 %3.80 The related interest rate is effective from 01.11.2024. 15.11.2024
    Shopping Interest Rate to be applied for customers with a term debt between TL 25,000-150,000 %4.25 %4.25 The related interest rate is effective from 01.11.2024. 15.11.2024
    Shopping Delay Interest Rate to be applied for customers with a period debt between TL 25,000-150,000 %4.55 %4.55 The related interest rate is effective from 01.11.2024. 15.11.2024
    Shopping Interest Rate to be applied for customers with a term debt over TL 150,000 %4.75 %4.75 The related interest rate is effective from 01.11.2024. 15.11.2024
    Shopping Delay Interest Rate to be applied for customers with a term debt over TL 150,000 %5.05 %5.05 The related interest rate is effective from 01.11.2024. 15.11.2024
    Notification Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Delay Notification Fee 0 TL 04.09.2020
    Additional Card Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Supplementary Card 300 TL 300 TL Valid as of April 1, 2025. 03.02.2025
    TEB Bonus Card 330 TL 330 TL Valid as of April 1, 2025. 03.02.2025
    TEB Bonus Premium Card 440 TL 440 TL Valid as of April 1, 2025. 03.02.2025
    TEB Doctor Platinum Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special Platinum Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special World Elite Card 1800 TL 1800 TL Valid as of April 1, 2025. 03.02.2025
    TEB Platinum Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    TEB Plain Card Fee 0 TL 0 TL 03.02.2025
    TEB She Card 330 TL 330 TL Valid as of April 1, 2025. 03.02.2025
    TEB Total Card 330 TL 330 TL Valid as of April 1, 2025. 03.02.2025
    TEB Star Doctor Platinum Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    TEB Star Platinum Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    TEB Star Priority Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    UniversiTEB Bonus Card 25 TL 25 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special Infinite Card Additional card 1800 TL 1800 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special Infinite Card Limited Edition Supplementary card 2595 TL 2595 TL Valid as of April 1, 2025. 03.02.2025
    CEPTETEB Digital Credit Card 300 TL 300 TL Valid as of April 1, 2025. 03.02.2025
    TEB Signature Card Additional Card 590 TL 590 TL Valid as of April 1, 2025. 03.02.2025
    TEB Simple Retirement Card Fee 0 TL 0 TL 03.02.2025
    TEB Bonus Retirement Card 165 TL 165 TL Valid as of April 1, 2025. 03.02.2025
    Invoice
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Credit Card Invoice Payment 1 TL %3 %3 3% + 1 TL is charged instantly on the transaction amount. BITT is included. 29.01.2025
    Additional Installment Transaction Interest
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    %3.50 04.06.2025
    %4.25 04.06.2025
    %4.75 04.06.2025
    Card Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Credit Card 600 TL 600 TL Valid as of April 1, 2025. 03.02.2025
    TEB Bonus Card 660 TL 660 TL Valid as of April 1, 2025. 03.02.2025
    TEB Bonus Platinum Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    TEB Bonus Plus Card 790 TL 790 TL Valid as of April 1, 2025. 03.02.2025
    TEB Bonus Premium Card 880 TL 880 TL Valid as of April 1, 2025. 03.02.2025
    TEB Doctor Platinum Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special Platinum Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special World Elite Card 3600 TL 3600 TL Valid as of April 1, 2025. 03.02.2025
    TEB Plain Card Fee 0 TL 0 TL 03.02.2025
    TEB She Card 660 TL 660 TL Valid as of April 1, 2025. 03.02.2025
    TEB Total Card 660 TL 660 TL Valid as of April 1, 2025. 03.02.2025
    TEB Star Doctor Platinum Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    TEB Star Platinum Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    TEB Star Priority Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    UniversiTEB Bonus Card 50 TL 50 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special Infinite Card 3600 TL 3600 TL Valid as of April 1, 2025. 03.02.2025
    TEB Special Infinite Card Limited Edition 5190 TL 5190 TL Valid as of April 1, 2025. 03.02.2025
    CEPTETEB Digital Credit Card 600 TL 600 TL Valid as of April 1, 2025. 03.02.2025
    Star Signature Card 1180 TL 1180 TL Valid as of April 1, 2025. 03.02.2025
    TEB Simple Retirement Card Fee 0 TL 0 TL 03.02.2025
    TEB Bonus Retirement Card 330 TL 330 TL Valid as of April 1, 2025. 03.02.2025
    Card Renewal Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Card Renewal Fee 105 TL 105 TL For more than two card renewals within a calendar year, a fee equal to the cost may be charged. 23.10.2024
    Credit Card EFT/Transfer/Debt Transfer
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Card Debt Transfer Interest Rate (Installment) %5.00 %5.00 The relevant interest rate is valid as of 16.03.2024. 08.04.2024
    Card Transfer/EFT Interest Rate (Single Withdrawal) %5.00 %5.00 The relevant interest rate is valid as of 16.03.2024. 08.04.2024
    Card Transfer/EFT Interest Rate (Installment) %5.00 %5.00 The relevant interest rate is valid as of 16.03.2024. 08.04.2024
    SSI Premium Collection from Credit Card
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    SSI Premium Collection from Credit Card 1 TL %3 %3 3% + 1 TL is charged instantly on the transaction amount. BITT is included. 29.01.2025
    Limit Exceeding
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Over Limit Interest Rate to be applied for customers with a term debt below TL 25,000 %3.50 %3.50 The related interest rate is effective from 01.11.2024. 15.11.2024
    Over Limit Interest Rate to be applied for customers with term debt between TL 25,000-150,000 %4.25 %4.25 The related interest rate is effective from 01.11.2024. 15.11.2024
    Over Limit Interest Rate to be applied for customers with term debt over TL 150,000 %4.75 %4.75 The related interest rate is effective from 01.11.2024. 15.11.2024
    Cash Advance
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Cash Advance Interest Rate %5.00 %5.00 The relevant interest rate is valid as of 16.03.2024 (excluding Resource Utilization Support Fund+BITT) 06.02.2025
    Cash Advance Delay Interest Rate %5.30 %5.30 The relevant interest rate is valid as of 16.03.2024 (excluding Resource Utilization Support Fund+BITT) 06.02.2025
    Cash Advance Fee (Domestic-TEB Channels) %1 %1 (excluding BITT) 06.02.2025
    Cash Advance Fee (Domestic Other Bank) 0,55 TL %3.87 0,55 TL %3.87 (excluding BITT) 06.02.2025
    Cash Advance Fee (ATMs of Banks Abroad) %1 %1 (excluding BITT) 06.02.2025
    Payment Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Credit card payments made from PTT ATM 7.61 TL 7.61 TL 23.10.2024
    Credit card payments made from PTT Mobile 5.33 TL 5.33 TL 23.10.2024
    Credit card payments made from PTT Branch 31.97 TL 31.97 TL 23.10.2024
    Installment / Deferment Transaction Interest
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    %3.50 The relevant interest rate is effective as of 04.06.2025 04.06.2025
    %4.25 The relevant interest rate is effective as of 04.06.2025 04.06.2025
    %4.75 The relevant interest rate is effective as of 04.06.2025 04.06.2025
    Installment Cash Advance
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Installment Cash Advance Interest Rate %5.00 %5.00 The relevant interest rate is valid as of 16.03.2024. 21.03.2024
    Securities Transactions
    ELÜS - Electronic Product Promissory Note
    ELÜS ÜPAK brokerage commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Registration Fee %0.025 %0.025 For each ELÜS transaction, the transaction amount (excluding VAT) will be charged to each of the transaction parties at the time of settlement for each ELÜS transaction. 24.02.2025
    Licensed Warehousing Compensation Fund Share %0.025 %0.025 For each ELÜS transaction, at the time of settlement, from each of the transaction parties, over the transaction amount (VAT excluded). 24.02.2025
    EFT Commission 40 TL 800 TL It is collected when an eft transaction is made from Takasbank system (BITT is excluded). 24.02.2025
    ELÜS Custody Fee 0.0000031135448848 TL 0.0000031135448848 TL 1 ELÜS refers to the daily (calendar day) fee for 1 ELÜS. It is calculated on a daily basis and accrued to the relevant investment institutions/Product Market Intermediary Institutions (PPIs) on the following month (excluding VAT). 24.02.2025
    ELÜS Purchase/Sale Transaction Fee 0.11676 TL 0.11676 TL Charged to buying and selling parties on a transaction-by-transaction basis (VAT excluded). 24.02.2025
    ELÜS Inter-Member Transfer Fee 4.8865 TL 4.8865 TL Applied on the basis of the number of transactions (excluding VAT). 24.02.2025
    ELÜS Intra-Member Transfer Fee 0.97298 TL 0.97298 TL Applied on the basis of the number of transactions (excluding VAT). 24.02.2025
    ELÜS Pledge/Collateral Fee 0.28523 TL 0.28523 TL Applied on the basis of number of transactions. Not collected from pledge collateral termination (exit) and collateral receivable coverage transactions (VAT excluded). 24.02.2025
    ELÜS ÜPAK Brokerage commission %0.075 %0.075 It is calculated over the realized Purchase/Sale amount (VAT excluded). 24.02.2025
    Exchange Service Fee %0.125 %0.125 For each ELÜS transaction, at the time of settlement, from each of the transaction parties, over the transaction amount (VAT excluded). 24.02.2025
    Eurobond Transactions
    Bank Eurobond Outright Purchase/Sale Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Outright Purchase and Sale transactions to customers %0 %0 04.09.2020
    Eurobond Transactions
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    EB Transfer Outside the Bank 0 USD 0 USD 04.09.2020
    HB / DT / Private Sector Debt Securities Transactions
    Bank, Bank Bill Outright Purchase/Sale Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Outright Purchase and Sale transactions to customers (Bank) %0 %0 04.09.2020
    Bank HB/DT Final Purchase/Sale Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Outright Purchase and Sale transactions to customers 0 0 04.09.2020
    Treasury Bills / Government Bonds Transactions
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    HB/DT Transfer Out of Bank 0 TL 0 TL 04.09.2020
    HB/DT Physical Delivery Fee (>1,000,000 nominal) 500 TL 04.09.2020
    HB/DT Physical Delivery Fee (0-100,000 nominal) 150 TL 04.09.2020
    HB/DT Physical Delivery Fee (100,000 -1,000,000 nominal) 250 TL 04.09.2020
    ISE, Bank Bills Outright Purchase/Sale Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Outright Purchases and Sales transactions to customers (ISE) 0 TL %0.02 0 TL %0.02 04.09.2020
    ISE HB/DT Outright Buy/Sell Commission
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Outright Purchase and Sale transactions to customers %0.02 %0.02 04.09.2020
    CRA Fees
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Account Opening 14.24 TL 14.24 TL Charged for each new account opened at Central Registry Agency (BITT included) 25.02.2025
    Account Maintenance 0.09 TL 0.09 TL TL 0.08340 per day (BITT included) is charged for accounts with a daily market value of TL 1,000 and above for custody balances. 25.02.2025
    Custody (Private Sector Debt Securities, Securitization, Asset Backed Securities, Lease Certificates and Domestic Debt Securities Principal) %0.0065 %0.0065 Calculated based on nominal value (BITT excluded). 25.02.2025
    Custody (Private Sector Debt Securities, Securitization, Asset Backed Securities, Lease Certificates and Government Debt Securities Coupons) %0.00065 %0.00065 Calculated based on nominal value (BITT excluded). 25.02.2025
    Investor Information Service 44.67 TL 44.67 TL This fee is charged for the first time CRA registrants to benefit from services such as free information, investor blockage, etc. (BITT Included) 25.02.2025
    Trading Transactions (Equity Shares, Warrants, Real Estate Certificates, ÖSBA, VDMK, VTMK, BYF, Lease Certificates, Venture Capital Investment Fund, Real Estate Investment Fund) 0.1592 TL 0.1592 TL Calculated based on the number of registrations (excluding BITT). 25.02.2025
    Trading Transactions (GDDS-Internal) 0.1188 TL 0.1188 TL Calculated based on the number of transactions (excluding BITT). 25.02.2025
    Account Statement Fees
    Statement
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CMB Investment Statement Charge 110,87 TL 110,87 TL 5% BITT will be added. 28.02.2025
    Equity Transactions
    Share Certificate Transactions via CEPTETEB Internet Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Internet Branch Stock Buy-Sell Commission %0.15 Customers with a volume of TL 100,000 within a one-month period will continue to trade at this rate without any further conditions. 0.2% will continue to be applied for customers with a volume below TL 100,000. 5% BITT will be added. 23.12.2021
    Stock Transactions from CEPTETEB Mobile Banking
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Mobile Banking Stock Buy-Sell Commission %0.15 Customers with a volume of TL 100,000 within a one-month period will continue to trade at this rate without any further conditions. 0.2% will continue to be applied for customers with a volume below TL 100,000. 5% BITT will be added. 23.12.2021
    Investment Funds
    CRA Fees
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Trading Transactions (Mutual Fund Shares) 0.01 TL %0.00075 %0.00075 Calculated on the basis of the transaction amount. The lower limit is TL 0.01 (excluding BITT). 24.02.2025
    Account Opening 14.24 TL 14.24 TL Charged for each new account opened at CRA (BITT Included) 24.02.2025
    Account Maintenance 0.09 TL 0.09 TL A daily fee of TL 0.08340 is charged for accounts with a daily market value of TL 1,000 and above (BITT is included). 24.02.2025
    Custody (Equity Shares and Mutual Fund Shares Linked to Participation Umbrella Fund) %0.005 %0.005 It is calculated by multiplying the number of shares by the last price announced as the share price of the mutual fund (excluding BITT). 24.02.2025
    Investor Information Service 44.67 TL 44.67 TL This fee is charged for the first time CRA registrants to benefit from services such as free information, investor blockage, etc. (BITT Included) 24.02.2025
    Trading Transactions (Equity Shares, Warrants, Real Estate Certificates, ÖSBA, VDMK, VTMK, BYF, Lease Certificates, Venture Capital Investment Fund, Real Estate Investment Fund) 0.1592 TL 0.1592 TL Calculated based on the number of registrations (excluding BITT). 24.02.2025
    Deposit Accounts
    Account Statement Fees
    Overdraft Statement
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Overdraft Statement Charge 35.85 TL Printed statements are sent to customers upon request in the months when period debt arises due to overdraft utilization. Fee collected to be paid to third parties 03.03.2025
    Account Operating Fees
    CEPTETEB Account Operating Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Account Operating Fee-TL (Annual) 0 TL 0 TL No account operating fee is charged from CEPTETEB Account. 21.06.2021
    CEPTETEB Marifetli Account Operating Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Account Operating Fee -TL (Annual) 0 TL 0 TL No account operating fee is charged from CEPTETEB Marifetli Account. 23.06.2021
    TEB Account Operating Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Account Operating Fee-TL (Annual) 0 TL 0 TL No account operating fee is charged from TEB Accounts. 21.12.2023
    Deposit/Withdrawal Fee
    FC Withdrawal from Other Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Withdrawing Money from Other Branch 82 TL %0,35 %0,35 17.01.2025
    Money Transfer
    EFT/FAST
    ATM EFT Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 21,27 TL BITT is Excluded. 28.01.2025
    TL 6300.01 - TL 304.800 42,55 TL BITT is Excluded. 28.01.2025
    TL 304,800 and above 304,71 TL BITT is Excluded. 28.01.2025
    EFT from CEPTETEB Support Center
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    TL EFT and Wire Transfer Fees from CEPTETEB Account and CEPTETEB Marifetli Account via CEPTETEB Support Center 0 TL 0 TL 04.09.2020
    CEPTETEB Internet Branch EFT
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    One-Shot EFT with Credit Card from CEPTETEB Internet Branch %1 %1 Internet Branch EFT transaction fees are charged per transaction and excludes BITT. 07.01.2025
    6,300 TL and Below 6,09 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 6300.01 - TL 304.800 12,19 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 304,800 and above 152,35 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    EFT from CEPTETEB Mobile Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 6,09 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 6300.01 - TL 304.800 12,19 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 304,800 and above 152,35 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    FAST Fee
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below BSMV hariçtir. 6,09 07.01.2025
    TL 6300.01 - TL 304.800 BSMV hariçtir. 12,19 07.01.2025
    Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 30,46 TL BITT is Excluded. The fee to be charged for EFT transactions to be made as regular payments is TL 6.09 if the transaction amount is TL 6,300 or less, TL 12.19 if the transaction amount is between TL 6300.01 - TL 304,800, and TL 152.35 if the transaction amount is TL 304,800 or more. 08.01.2025
    TL 6300.01 - TL 304.800 60,94 TL BITT is Excluded. The fee to be charged for EFT transactions to be made as regular payments is TL 6.09 if the transaction amount is TL 6,300 or less, TL 12.19 if the transaction amount is between TL 6300.01 - TL 304,800, and TL 152.35 if the transaction amount is TL 304,800 or more. 08.01.2025
    TL 304,800 and above 609,43 TL BITT is Excluded. The fee to be charged for EFT transactions to be made as regular payments is TL 6.09 if the transaction amount is TL 6,300 or less, TL 12.19 if the transaction amount is between TL 6300.01 - TL 304,800, and TL 152.35 if the transaction amount is TL 304,800 or more. 08.01.2025
    TEB Telephone Branch, TEB Star Line and TEB Special Line
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 30,46 TL BITT is Excluded. The fee to be charged for EFT transactions to be made as regular payments is TL 6.09 if the transaction amount is TL 6,300 or less, TL 12.19 if the transaction amount is between TL 6300.01 - TL 304,800, and TL 152.35 if the transaction amount is TL 304,800 or more. 07.01.2025
    TL 6300.01 - TL 304.800 60,94 TL BITT is Excluded. The fee to be charged for EFT transactions to be made as regular payments is TL 6.09 if the transaction amount is TL 6,300 or less, TL 12.19 if the transaction amount is between TL 6300.01 - TL 304,800, and TL 152.35 if the transaction amount is TL 304,800 or more. 07.01.2025
    TL 304,800 and above 609,43 TL BITT is Excluded. The fee to be charged for EFT transactions to be made as regular payments is TL 6.09 if the transaction amount is TL 6,300 or less, TL 12.19 if the transaction amount is between TL 6300.01 - TL 304,800, and TL 152.35 if the transaction amount is TL 304,800 or more. 07.01.2025
    Remittance
    ATM Transfer
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 10,64 TL BITT is Excluded. 07.01.2025
    TL 6300.01 - TL 304.800 21,28 TL BITT is Excluded. 07.01.2025
    TL 304,800 and above 152,36 TL BITT is Excluded. 07.01.2025
    Transfer from CEPTETEB Internet Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 3,05 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 6300.01 - TL 304.800 6,10 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 304,800 and above 76,18 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    Transfer from CEPTETEB Mobile Banking
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 3,05 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 6300.01 - TL 304.800 6,10 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    TL 304,800 and above 76,18 TL BITT is excluded. The same tariff is applied for regular payment orders. Fees are charged per transaction and fixed. EFT transfer fees are not charged from CEPTETEB Account and CEPTETEB Marifetli Account. 07.01.2025
    Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 15,23 TL BITT is Excluded. The fee to be charged for wire transfers to be made in the form of regular payments is 3.05 TL if the transaction amount is 6,300 TL or less, 6.1 TL if the transaction amount is between 6,300.01 TL - 304,800 TL, and 76.18 TL if the transaction amount is 304,800 TL or more. 08.01.2025
    TL 6300.01 - TL 304.800 30,47 TL BITT is Excluded. The fee to be charged for wire transfers to be made in the form of regular payments is 3.05 TL if the transaction amount is 6,300 TL or less, 6.1 TL if the transaction amount is between 6,300.01 TL - 304,800 TL, and 76.18 TL if the transaction amount is 304,800 TL or more. 08.01.2025
    TL 304,800 and above 304,72 TL BITT is Excluded. The fee to be charged for wire transfers to be made in the form of regular payments is 3.05 TL if the transaction amount is 6,300 TL or less, 6.1 TL if the transaction amount is between 6,300.01 TL - 304,800 TL, and 76.18 TL if the transaction amount is 304,800 TL or more. 08.01.2025
    TEB Telephone Branch, TEB Star Line and TEB Special Line
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    6,300 TL and Below 15,23 TL BITT is Excluded. The fee to be charged for wire transfers to be made in the form of regular payments is 3.05 TL if the transaction amount is 6,300 TL or less, 6.1 TL if the transaction amount is between 6,300.01 TL - 304,800 TL, and 76.18 TL if the transaction amount is 304,800 TL or more. 08.01.2025
    TL 6300.01 - TL 304.800 30,47 TL BITT is Excluded. The fee to be charged for wire transfers to be made in the form of regular payments is 3.05 TL if the transaction amount is 6,300 TL or less, 6.1 TL if the transaction amount is between 6,300.01 TL - 304,800 TL, and 76.18 TL if the transaction amount is 304,800 TL or more. 08.01.2025
    TL 304,800 and above 304,72 TL BITT is Excluded. The fee to be charged for wire transfers to be made in the form of regular payments is 3.05 TL if the transaction amount is 6,300 TL or less, 6.1 TL if the transaction amount is between 6,300.01 TL - 304,800 TL, and 76.18 TL if the transaction amount is 304,800 TL or more. 08.01.2025
    International Funds Transfer and Messaging Fee
    CEPTETEB Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    CEPTETEB Branch Accounts Incoming International Fund Transfer Fee 127 TL 127 TL Fees are charged per transaction and fixed. BITT is Excluded. 06.02.2025
    CEPTETEB Accounts Internet Branch Outgoing International Fund Transfer Fee 254 TL 254 TL Collected for transactions made with internet branch CEPTETEB accounts. BITT is excluded and is charged per transaction. Additional correspondent charges according to payment type are as follows; SHA: Correspondent and receiving banks can make their own cost / commission deductions from the amount of the shipment, the amount reaches the recipient with deductions. OUR: All costs belong to the sender, the amount is expected to reach the recipient without interruption. If the correspondent and receiving banks request additional charges, they will be collected from the sender later. International 06.02.2025
    Branch
    Cost Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Updated on
    Incoming International Fund Transfer Fee 552 TL %0.4 6.648 TL %0,4 BITT is excluded. Charged per transaction. 06.02.2025
    Outgoing International Funds Transfer and Messaging Fee 1.273 TL %0.5 8.864 TL %0,5 BITT is excluded. Charged per transaction. Additional correspondent charges by payment type are as follows; SHA: Correspondent and receiving banks can make their own cost / commission deductions from the amount of the shipment, the amount reaches the recipient with deductions. OUR: All costs belong to the sender, the amount is expected to reach the recipient without interruption. If the correspondent and receiving banks request additional charges, they will be collected from the sender later. International Funds Transfer messaging fee will also be charged separately. 06.02.2025
    Outgoing International Funds Transfer Messaging Fee 941 TL 941 TL BITT is excluded. It is charged per transaction on a fixed basis. If more than one correspondent bank is used for the transfer, the messaging fee is charged in two separate items. 06.02.2025


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