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Annual Fee

Standard Credit Cards

Stardard Credit Cards
Card Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
Classic - TRY 550 - - Included
Gold - TRY 690 - - Included
Platinum 1 - TRY 790 - - Included
Miles / Travel Credit Cards 2 - TRY 910 - - Included

Supplementary Card Annual Fee

Standard Credit Cards

Standard Credit Cards
Card Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
Classic - TRY 255 - - Included
Gold - TRY 329 - - Included
Platinum 3 - TRY 378 - - Included
Upper Segment 4 - TRY 444 - - Included

Renewal Fee

Credit Card

Credit Card
Card Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
- 5 Branch TRY 39 - - Included
           

Cash Advance Fee**

HSBC

HSBC
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
  HSBC 1% - - Excluded
  ATM 1% - - Excluded

Other Banks (Domestic)**

Other Banks (Domestic)
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
  ATM 3.50% + TRY 0.50 - - Excluded

Other Banks (International)**

Other Banks (International)
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
  ATM 1% - - Excluded

Shopping Loan Interest Rates**

Shopping Loan Interest Rates**
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Shopping Loan Interest (TRY) - - - 4,25%
Monthly Shopping Loan Interest (USD) - - - 3,40%

Cash Advance Interest Rates**

Cash Advance Interest Rates**
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Cash Advance Interest (TRY) - - - 5,00%
Monthly Cash Advance Interest (USD) - - - 3,40%

Default Interest Rates**

Default Interest Rates**
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Default Interest (TRY) - - - 4,55%
Monthly Cash Advance Default Interest (TRY) - - - 5,30%
Monthly Default Interest (USD) - - - 3,70%

Installment Cash Advance**

Installment Cash Advance
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Installment Cash Advance Interest (TRY)** - - - 5,00%

Advance Installment**

Alo Taksit
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Advance Installment Interest (TRY) - - - 4,25

Other

Other
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
BSMV (Banking and Insurance Transaction Tax) - - - 5,00 %, 15 %
RUSF (Resource Utilization Support Fund) - - - 15,00%

**Interest rates displayed in the above table are monthly credit card interest rates and valid starting from 16/03/2024- 06/04/2024

Pursuant to the Banking Regulation and Supervision Agency's decision dated September 26, 2024 and the Amendment to the Regulation on Credit Cards, the minimum amount to be paid on credit cards is 40% for those above 50,000 TL, and 20% for those with a limit of 50,000 TL or less. will.

According to same regulation; Since 9th October 2013; If you do not pay 3 times minimum payment amount on your Bank Statement in a year (for Turkish Republic of Northern Cyprus customers 3 times minimum payment of total debt amount); You can not utilize from Cash Advance; Cash Advance with installments and CashPoint features of your HSBC Credit Card, until you pay the total amount.

Unless indicated otherwise, you are obligated to pay annual fee of your credit card starting from the first year.

Premier Miles advantages are only valid for HSBC Premier customers. HSBC Premier Miles Credit Card's  annual fee is TRY 910 for main cardholders and TRY 444 for supplementary cardholders. HSBC Premier Credir Card's annual fee is TRY 790 for main cardholders and TRY 378 for supplementary cardholders. If your Premier customer statue ends, you can't benefit from Premier/Premier Miles advantages. If you don't renew your statue, you will be sent HSBC Platinum Credit Card which has your old miles points converted to cash points.

HSBC Bank A.Ş. reserves the right to make changes in the specified fees within the scope of legal regulations. An additional 5% BSMV is charged on all transaction fees collected. All expenditures and cash withdrawals made with your Credit Card in currencies other than the original foreign currency USD, regardless of the currency of the transaction, are charged to USD at the rate determined by the international card payment systems institutions. translated and forwarded to our bank. As the exchange rate to be used to convert the USD transaction amount transmitted to our Bank from these institutions to TRY, up to 2% of our Bank's Foreign Exchange Sales rate on the date the transaction record is received by our Bank is used and is reflected in your statement in TRY. If the date your international credit card transaction reaches our bank is on a weekend or a holiday, our Bank uses up to 2% of the foreign exchange sales rate on the last business day before the transaction date. 
 

1Advance Credit Card fee is TRY 790.

2Premier Miles Program Fee.

3Advance Supplementary Card fee is 354 TRY.

4Premier Miles Supplementary Card Fee.

5It is received if it is renewed due to loss/theft more than two times, without channel separation.

Consumer Loans

  Booking/Credit Report Fee Appraisal / Expertise Fee Early Full Repayment/ Interim Payment Fee
Personal Loan 0.5% - Free

Investor Account Opening and Maintenance Services - CSD Fees

Investor Account Opening and Maintenance Services - CSD Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Account Opening Fee - 9,3922 TL - - Excluded 19.02.2024
Investor Registration Number and Password Submission Fee 8 - 29,4658 TL - - Excluded 19.02.2024
Account Maintenance Fee (Monthly) 9 - 1,734 TL - - Excluded 19.02.2024

Mutual Funds - CSD Fees

Mutual Funds - CSD Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Custody Fee for Mutual Fund Shares subject to the Equity and Participation Umbrella Fund 3 - - - % 0.005 Excluded 31.08.2022
Other Mutual Funds Custody Fee 3 - - - % 0.01 Excluded 31.08.2022
Mutual Fund Share Trading Fee 4 - - - % 0.00075 Excluded 31.08.2022

Public and Private Sector Debt Instruments - MKK Fees

Public and Private Sector Debt Instruments - MKK Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Public and Private Sector Debt Instruments Custody Fee - - - % 0.0065 Excluded 22.05.2023
Public and Private Sector Debt Instruments Coupons Custody Fee - - - % 0.00065 Excluded 22.05.2023

Rights Exercise Services - MKK Fees

Rights Exercise Services - MKK Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Participation Fee for Paid and Unpaid Capital Increases – Traded on the Stock Exchange 5 - - - % 0.025 Excluded 31.08.2022
Participation Fee for Paid and Unpaid Capital Increases – Non-Traded on the Stock Exchange 5 - - - % 0.01 Excluded 31.08.2022
Capital Reduction Fee - Traded on the Stock Exchange 6 - - - % 0.025 Excluded 31.08.2022
Capital Reduction Fee - Non-Traded on the Stock Exchange 6 - - - % 0.01 Excluded 31.08.2022

Cash Payment Services - MKK Fees

Cash Payment Services - MKK Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Dividend Payment Fee - Shares Tradable on the Stock Exchange 7 - - - % 0.025 Excluded 31.08.2022
Dividend Payment Fee - Shares Not Traded on the Stock Exchange 7 - - - % 0.005 Excluded 31.08.2022

Recorded Capital Market Instruments Transfer Services - MKK Fees

Recorded Capital Market Instruments Transfer Services - MKK Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Fee For Security Transfers To Other Brokerage Houses - 6,9060 TL - - Excluded 19.02.2024
Fee For Security Transfers Within HSBC Brokerage - 1,3811 TL - - Excluded 19.02.2024
Recording Fee For Buy Sell Orders Of Equities, Warrant, PSDI ABS, ASS, ETF, Leasing Certificate Traded Within Borsa Istanbul (BIST) - 0,1103 TL - - Excluded 19.02.2024
Conversion Fee from Non-Exchange-Tradeable to Exchange-Tradeable Shares 20 50 TL - - - Excluded 19.02.2024

Treasury Bill/Government Bond/Eurobond Transfer to Other Bank

Treasury Bill/Government Bond/Eurobond Transfer to Other Bank
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Treasury Bill/Government Bond/Eurobond Transfer Fee to Other Bank 50,00 TRY 250,00 TRY - % 1.00 Excluded 07.10.2022

Equity – MKK Fees

Equity – MKK Fees
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Custody Fee for Stock Exchange Tradeable Shares 9 - - - % 0.008 Excluded 22.05.2023
Custody Fee for Shares Non-Traded on the Stock Exchange 10 - - - % 0.01 Excluded 22.05.2023
Exchange Traded Funds (BYF), Warrants and Certificates Custody Fee - - - % 0.008 Excluded 22.05.2023

Equity

Hisse Senedi
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Telephone Banking - Equity Purchase / Sale Commission - - - % 0.20 Excluded 31.08.2022
Internet Banking - Equity Purchase / Sale Commission - - - % 0.20 Excluded 31.08.2022
Equity Order Cancellation Commission - - - % 0.125 Excluded 31.08.2022
Capital Increase and Dividend Commissions - - - % 0.025 Excluded 31.08.2022

Futures and Options Market

Futures and Options Market
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
VIOP Purchase / Sale Commission - - - % 0.10 Excluded 31.08.2022

Gold-Backed Mint Certificates

Gold-Backed Mint Certificates
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Gold-Backed Mint Certificates Purchase / Sale Commission - - - % 0.20 Excluded 15.12.2022
Gold-Backed Mint Certificates Physical Transformation Commission 50,00 TRY 250,00 TRY - % 0.10 Excluded 15.12.2022

Bills / Bonds

Bills / Bonds
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Treasury Bill / Government Bond Purchase / Sale Commission - - - % 1.00 Excluded 31.08.2022
BIST Brokerage Commission - - - % 0.20 Excluded 31.08.2022
Branch - Tender Commission - - - % 0.20 Excluded 31.08.2022

Eurobond

Eurobond
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Eurobond Purchase / Sale Commission - - - % 1.00 Excluded 31.08.2022
Eurobond Tender Commission - - - % 1.00 Excluded 31.08.2022

Securities Transactions - Other

Securities Transactions - Other
  Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
Securities Transfer Fee - - - - Excluded 31.08.2022
Investment Account Statement Mailing Fee 17 - 15,8460 TL - - Included 19.02.2024

Mutual Fund

Mutual Fund
Management Fee Min.
Amount
Max.
Amount
Min.
Rate (%)
Max.
Rate (%)
BSMV Info Date Of Update
HSA-HSBC AM Variable (TL) Fund - - - % 2.50 Excluded 2.06.2017
HSL-HSBC AM Money Market (TL) Fund - - - % 1.25 Excluded 13.03.2019
HBF-HSBC AM Gold Fund - - - % 1.80 Excluded 22.03.2016
HVS-HSBC AM Equity (TL) Fund (Equity Intensive Fund) - - - % 2.50 Excluded 25.06.2012
HBU-HSBC AM BIST 30 Index Equity Fund - - - % 1.00 Excluded 11.04.2016
HST-HSBC AM Fixed Income (TL) Fund - - - % 2.19 Excluded 25.06.2012
HPD-HSBC AM Multi Asset Second Variable Fund - - - % 1.53 Excluded 11.04.2016
HPT-HSBC AM Short Term Fixed Income (TL) Fund - - - % 2.37 Excluded 31.03.2021
HOA-HSBC AM Technology Variable Fund - - - % 1.75 Excluded 11.04.2016
HOY-HSBC AM Foreign ETF Fund of Funds - - - % 2.01 Excluded 11.04.2016
HPO-HSBC AM Multi Asset First Variable Fund - - - % 1.53 Excluded 17.06.2016
HMG-HSBC AM Unconstrained Targeted Absolute Return Equity (TL) Fund (Equity Intensive Fund) - - - % 2.50 Excluded 28.12.2020
HMS-HSBC AM Sustainability Equity (TL) Fund (Equity Intensive Fund) - - - % 2.00 Excluded 2.09.2021
HBN-HSBC AM First Funds of fund - - - % 2.00 Excluded 2.09.2019
HGC-HSBC AM March 2025 Unconstrained (Foreign Currency) Fund - - - % 1.25 Excluded 14.01.2022
HFV-HSBC AM Third Unconstrained (Foreign Currency) Fund (HFV) - - - % 1.00 Excluded 21.01.2022
HME-HSBC AM Fourth Unconstrained (Foreign Currency) Fund - - - % 0.50 Excluded 2.09.2019
HAE-HSBC AM August 2024 Unconstrained (Foreign Currency) Fund - - - % 1.25 Excluded 14.01.2022
HNS-HSBC AM April 2024 Unconstrained (Foreign Currency) Fund - - - % 1.25 Excluded 21.01.2022
HSP-HSBC AM Coupon Paying May 2026 Unconstrained (Foreign Currency) Fund - - - % 1.00 Excluded 2.09.2019
HKR-HSBC AM Red Equity Unconstrained (TL) Fund - - - % 2,90 Excluded 14.01.2022
HNS-HSBC Asset Management April 2024 Unconstrained (Foreign Currency) Fund - - - % 1.25 Excluded 21.01.2022

5% BSMV is added to the above-mentioned fees. All fees whose calculation frequency is specified as daily or annual are collected monthly. The fees and commissions in the table are based on MKK Fee Principles and HSBC reserves the right to make changes in these fees and commissions.

1Investor Registry Number and Password Submission Fee is automatically made by MKK when the Customer Request and portfolio value exceeds 10,000. -TRY for the first time.

2Account Maintenance Fee: A daily account maintenance fee of 0.0351 TL is charged for accounts with a market value of 1000 TL or more. It is 1.05 TL per month.

3Mutual Fund Custody Fee is 5 per Hundred Thousand annually based on the value determined by multiplying the number of shares and the share price from the Mutual Funds Linked to the Equity and Participation Umbrella Fund; for other mutual fund shares, 1 per ten thousand is charged annually based on the value determined by multiplying the number of shares and the share price.

4Mutual Fund Share Trading Fee is charged as 0.075 per ten thousand on the transaction amount.

5Participation Fee in Paid and Unpaid Capital Increases is 2.5 per ten thousand based on the market value of the shares purchased from the capital increase of stocks that can be traded on the Stock Exchange; 1/10,000 is charged on the nominal value of the shares purchased from the capital increase of shares that cannot be traded on the stock exchange.

6Capital Reduction Fee, 2.5 per ten thousand based on the market value of the reduced portion in capital reduction transactions of stocks that can be traded on the stock exchange; In capital reduction transactions of shares that cannot be traded on the stock exchange, 1/10,000 is taken from the nominal value of the reduced portion.

7Dividend Payment Fee, 2.5 per ten thousand on the amount paid for stock shares tradable on the Stock Exchange; For stock shares that are not traded on the stock exchange, 5 per hundred thousand is charged.

8Conversion Fee from Non-Exchange-Tradeable Share to Exchange-Tradeable Share, Maximum amount has been determined as 22,3538 TRY.

9Custody Fee for Stock Exchange Tradeable Shares is charged based on market value.

10Custody Fee for Shares That Cannot Be Traded on the Stock Exchange is charged at 1/10,000 annually, based on the lower of nominal value and market value.

11No fee is charged for sending via e-mail.

Based on the BIST announcement dated 27.01.2017 and numbered 2017/10;

  • In the continuous transaction method, in cases where the order is completely canceled, its price is worsened, or the order quantity is reduced at price levels other than the current price level, 0,1 bps (0,1/10000) fee is charged on the TRY volume of the reduced part of each order and the entire cancelled/price worsened order.
  • In cases where the order is completely cancelled, its price is worsened, or the order quantity is reduced in the single price parts of the session, a fee of 0.125 bps (0.125/10000) is charged on the TRY volume of the reduced part of each order and the entire cancelled/price worsened order.
  • In the continuous transaction method, price worsening, quantity reduction and cancellation fees for orders at the current price level are calculated differently depending on the time they are executed. In the calculation made in three stages, following the transmission of the orders to the system or the last change made on the order;
    • 0.625 bps for up to 5 seconds (including the fifth second), (0.625 /10000)
    • For actions performed between 6 seconds and 10 seconds (including the tenth second), 0.375 bps, (0.375/10000) fee is accrued.
    • The fee rate for order cancellation, price worsening, and quantity reduction in fixed and variable price book building methods in public offerings in the Primary Market is 0.125 bps (0.125/10000).

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