Bank Transfer Fees in Turkey in 2026: Ceilings and Actual Charges

[TURKIYE]

TCMB tables set fee ceilings, while a bank may charge less or waive the fee. Review the amount, channel, transfer type and total debit. A fee ceiling is separate from the maximum amount you can transfer.

What determines the cost?​

The financial-consumer fee instructions specify EFT ceilings applicable from 6 January 2026 by transfer amount and channel. FAST charges are subject to the referenced ceilings; Havale ceilings are half the corresponding EFT ceilings.

The figures below exclude BSMV tax. They are not mandatory identical prices at every bank. Check your product, account, exemptions and tax in the bank’s confirmation screen.

Making an online payment​

2026 EFT fee ceilings in Turkish lira​

Channel	Up to TRY 8,300	TRY 8,300.01–399,000	Above TRY 399,000
Mobile/Internet/Recurring payment	7.97	15.96	199.41
ATM/Kiosk	27.84	55.69	398.83
Other channels	39.87	79.76	797.68

Use the table correctly​

Identify the transfer amount, then the channel. A TRY 5,000 EFT transfer through an app falls into the TRY 7.97 ceiling band before BSMV. A TRY 20,000 app transfer falls into the TRY 15.96 band before tax. The bank may actually charge less or nothing.

The band above TRY 399,000 does not mean an ordinary FAST transfer can exceed that amount. Its per-transaction ceiling has been TRY 300,000 since 26 August 2026, a separate issue from pricing.

Checking and signing a contract​

Compare the ceiling with the debit​

Item	Meaning	Check
Transfer fee	The bank’s actual charge	Transaction type and channel
Regulatory ceiling	Maximum for the relevant category	Correct amount band
BSMV	Tax excluded from the listed ceilings	Its part in the total
Waiver or promotion	A reduction subject to account or other conditions	Validity and continuing eligibility

Avoid surprises​

Review Ürün ve Hizmet Ücretleri on the bank’s website, then the transaction quote for your account. Compare available channels and establish the price before using a branch where a suitable digital alternative exists.

Under the instructions, related transfers to the same payee on the same day may be aggregated to determine the fee band. Splitting transfers does not guarantee lower costs. Keep a receipt showing the amount, fee, tax and reference.

Account-to-account merchant payments are an exception: the instructions prohibit charging the sender. This applies to a transaction classified as an account-to-account merchant payment; it does not make every card or QR payment free.

Organising documents and an online application​

If a charge is unclear​

Ask the bank to identify the fee type, amount band, channel and tax, supplying the date, amount and reference. Compare the answer with your account tariff and governing instructions rather than comparing a tax-inclusive total with a tax-exclusive ceiling.

These tables concern the stated financial-consumer framework. Do not automatically apply them to SWIFT, another service or a commercial product without checking scope. One bank’s free offer does not establish free transfers at another bank or after the promotion expires.

Related topics​

• FAST Transfers in Turkey: Send Money, Track Payments and Resolve Errors
• FAST Limits in Turkey: The TRY 300,000 Ceiling and Bank Limits
• Kolay Adres in Turkey: Set Up an Alias and Change the Linked Account
• Scheduled Payments in Turkey: Arrange and Track a Future Transfer
• Recurring Payments in Turkey: Set Up and Manage Standing Instructions
• Paying Government Fees Through Turkish Banks: References and Receipts
• Turkey’s GİB Portal: Tax Numbers, Quick Payments and Receipt Checks
• Bank Account Security in Turkey: Verification and Responding to Fraud

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