Scheduled Payments in Turkey: Arrange and Track a Future Transfer

[TURKIYE]

A scheduled payment sets a later date for a transfer. Creating the instruction does not prove that the recipient has been paid. Track the actual execution, particularly for rent or another payment with a deadline.

What a future-dated payment does​

The open-banking update announced on 17 March 2026 introduced future-dated payment initiation through ÖHVPS. A bank may also offer its own scheduling feature. Establish whether you are creating the instruction directly with the bank or through a service connected to an account elsewhere.

This guide concerns a one-off transfer on a future date. A monthly recurring instruction also needs a frequency, an end condition and ongoing review.

Checking and signing a contract​

Details to settle before confirmation​

Field	Illustrative example	Why it matters
Debit account	Your Turkish-lira account	This is where the funds will come from
Payee	Name and IBAN from a reliable document	Avoid sending to an old or incorrect account
Date	The agreed payment date	Separate creation from execution
Amount and description	Rent amount and rental month	Match the obligation and retain clear evidence

Create the instruction​

Open transfers or scheduled instructions in the official app. Enter the payee and amount, select an available date, and review the fee and execution method if shown. Complete authentication and keep the instruction reference or summary.

If a connected open-banking app does not offer scheduling, that need not mean your account has a problem. The provider or account may not support it. Contact the bank rather than giving an intermediary your login details.

Organising documents and an online application​

Read the instruction status​

Displayed status	What it usually indicates	Your next step
Scheduled or pending	Instructions registered for later execution	Review the date and debit account
Executed	Processing completed under the bank’s status rules	Keep the transaction receipt and check the account
Failed or rejected	The instruction was not completed as intended	Read the reason and resolve balance or data issues
Cancelled	The instruction is cancelled in the system	Keep confirmation and check for duplicate instructions

Balance, holidays and amendments​

Make sure the debit account holds the amount and any expected fee before execution. Check the bank’s policy on holidays, processing time and retries after a failure. Do not assume that every scheduled order uses FAST or runs at precisely the same time.

An “instruction created” screen is not evidence of payment to the recipient. When changing the amount or date, review the final status and reference. The service may require cancelling the old instruction and creating another, and amendment deadlines may apply.

Making an online payment​

If the recipient has not been paid​

Check the debit account first: did the money leave? Then review the instruction status and receipt. If execution failed, resolve the cause before choosing an alternative. If the account was debited but the recipient has not received the funds, ask the bank to trace the reference.

Do not pay again until the first transaction is resolved. Keep the scheduling summary, execution receipt and relevant correspondence; they document different stages of the payment.

Related topics​

• Recurring Payments in Turkey: Set Up and Manage Standing Instructions
• Open Banking in Turkey: New Features and Managing Consent
• FAST Transfers in Turkey: Send Money, Track Payments and Resolve Errors
• FAST Limits in Turkey: The TRY 300,000 Ceiling and Bank Limits
• Ödeme İste in Turkey: Accepting Requests and Checking Payment Dates
• Kolay Adres in Turkey: Set Up an Alias and Change the Linked Account
• Bank Transfer Fees in Turkey in 2026: Ceilings and Actual Charges
• Bank Account Security in Turkey: Verification and Responding to Fraud

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