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Credit Card and Overdraft Account Limits

Credit Card and Overdraft Account Limits
  Overdraft Account Credit Card
Minimum Income 350.00 TL 500.00 TL
Min. / Max. Limit Min. 200.00 TL / Max. 10,000.00 TL  
  • Credit Card limits are set by evaluations made according to our bank's criteria.

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 206 - - Included
Gold - TRY 258 - - Included
Platinum1 - TRY 293 - - Included
Miles / Travel Credit Cards - TRY 340 - - Included

Contactless - NFC Credit Cards

Contactless - NFC Credit Cards
Card Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
Classic3 - TRY 224 - - Included
Gold1 - TRY 270 - - Included
Platinum - TRY 304 - - Included
Miles / Travel Credit Cards2 - TRY 340 - - 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 97 - - Included
Gold - TRY 123 - - Included
Platinum6 - TRY 142 - - Included
Upper Segment7 - TRY 167 - - Included

Contactless - NFC Credit Cards

Contactless - NFC Credit Cards
Card Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
Classic8 - TRY 110 - - Included
Gold9 - TRY 133 - - Included
Platinum10 - TRY 146 - - Included
Upper Segment7 - TRY 167 - - Included

Renewal Fee

Credit Card

Credit Card
Card Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
-11 Branch TRY 12 - - 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) - - - 1,80%
Monthly Shopping Loan Interest (USD) - - - 1,44%

Cash Advance Interest Rates**

Cash Advance Interest Rates**
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Cash Advance Interest (TRY) - - - 1,80%
Monthly Cash Advance Interest (USD) - - - 1,44%

Default Interest Rates**

Default Interest Rates**
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Default Interest (TRY) - - - 2,10%
Monthly Default Interest (USD) - - - 1,74%

Installment Cash Advance

Installment Cash Advance
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Installment Cash Advance Interest (TRY)** - - - 1,80%

Advance Installment

Alo Taksit
  Min. Amount Max. Amount Min. Rate (%) Max. Rate (%)
Monthly Advance Installment Interest (TRY) - - - 1,80%

Other

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

**Interest rates displayed in the above table are monthly credit card interest rates and  valid starting from 01/05/2021.

According to regulation; credit card users have to pay at min. 20% of the total amount on Bank Statement.

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 340 for main cardholders and TRY 167 for supplementary cardholders. HSBC Premier Credir Card's annual fee is TRY 293 for main cardholders and TRY 142 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.

For your credit card application to be valid, your minimum income must be TRY 2020 or above.

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 293.

2Premier Miles Program Fee.

3The fee is for Hızz Standard Credit Card.  Hızz Üniversiteli Credit Card fee is TRY 123. 

4Hızz Gold Credit Card Fee.

5Hızz Platinum Credit Card Fee. Advance main card fee is TRY 293.

6Advance Supplementary Card fee is 133 TRY.

7Premier Miles Supplementary Card Fee.

8Hızz Standard Supplementary Card Fee.

9Hızz Gold Supplementary Card Fee.

10The fee is  for Platinum Supplementary Card.  Advance Supplementary Card fee is 133 TRY.

11It is received if it is renewed due to loss/theft more than two times, without channel separation.

Retail Banking Transaction Fees

  CHANNEL FEE LOWEST HIGHEST BITT*
SAFE DEPOSIT BOX
Safe Deposit Box Branch 305.00 TL     Excluded
Safe Deposit Box Security Deposit Branch 300.00 TL      
Medium Safe Deposit Box Branch 362.00 TL     Excluded
Medium Safe Deposit Box Security Deposit Branch 300.00 TL      
Large Safe Deposit Box Branch 494.00 TL     Excluded
Large Safe Deposit Box Security Deposit Branch 300.00 TL      
OUTGOING REMITTANCE(1)
Via Teller to Account (Different Branch Different Customer)          
0 - 1,000 TRY Branch 3.89 TRY     Excluded
1,000.01 - 50,000 TRY Branch 7.79 TRY     Excluded
Above 50,000 TRY Branch 77.97 TRY     Excluded
From ATM with Turkish Republic ID Number to Account          
0 - 1,000 TRY ATM 2.72 TRY     Excluded
1,000.01 - 50,000 TRY ATM 5.44 TRY     Excluded
Above 50,000 TRY ATM 38.98 TRY     Excluded
From Account to Account or Name of the Payee          
0 - 1,000 TRY Branch 3.89 TRY     Excluded
1,000.01 - 50,000 TRY Branch 7.79 TRY     Excluded
Above 50,000 TRY Branch 77.97 TRY     Excluded
0 - 1,000 TRY ATM 2.72 TRY     Excluded
1,000.01 - 50,000 TRY ATM 5.44 TRY     Excluded
Above 50,000 TRY ATM 38.98 TRY     Excluded
0 - 1,000 TRY Internet 0.77 TRY     Excluded
1,000.01 - 50,000 TRY Internet 1.55 TRY     Excluded
Above 50,000 TRY Internet 19.48 TRY     Excluded
0 - 1,000 TRY Call Centre 3.89 TRY     Excluded
1,000.01 - 50,000 TRY Call Centre 7.79 TRY     Excluded
Above 50,000 TRY Call Centre 77.97 TRY     Excluded
0 - 1,000 TRY Mobile 0.77 TRY     Excluded
1,000.01 - 50,000 TRY Mobile 1.55 TRY     Excluded
Above 50,000 TRY Mobile 19.48 TRY     Excluded
Regular Remittance Payment          
From Account Branch Free      
From Account Internet Free      
From Account Call Centre Free      
Incoming Remittance Payment          
Incoming to Name of the Payee Branch Free      
Remittance Return          
Remittance Return   Free      
 
EFT(2)
From Account to Account or Name of the Payee or Credit Card          
0 - 1,000 TRY Branch 7.79 TRY     Excluded
1,000.01 - 50,000 TRY Branch 15.59 TRY     Excluded
Above 50,000 TRY Branch 155.94 TRY     Excluded
0 - 1,000 TRY ATM 5.44 TRY     Excluded
1,000.01 - 50,000 TRY ATM 10.88 TRY     Excluded
Above 50,000 TRY ATM 77.97 TRY     Excluded
0 - 1,000 TRY Internet 1.55 TRY     Excluded
1,000.01 - 50,000 TRY Internet 3.11 TRY     Excluded
Above 50,000 TRY Internet 38.98 TRY     Excluded
0 - 1,000 TRY Call Centre 7.79 TRY     Excluded
1,000.01 - 50,000 TRY Call Centre 15.59 TRY     Excluded
Above 50,000 TRY Call Centre 155.94 TRY     Excluded
0 - 1,000 TRY Mobile 1.55 TRY     Excluded
1,000.01 - 50,000 TRY Mobile 3.11 TRY     Excluded
Above 50,000 TRY Mobile 38.98 TRY     Excluded
Regular EFT Payment          
From Account Branch Free      
From Account Internet Free      
From Account Call Centre Free      
 
LATE EFT(3)
From Account to Account or Name of the Payee or Credit Card          
0 - 1,000 TRY Branch 11.68 TRY     Excluded
1,000.01 - 50,000 TRY Branch 23.39 TRY     Excluded
Above 50,000 TRY Branch 233.92 TRY     Excluded
0 - 1,000 TRY ATM 8.16 TRY     Excluded
1,000.01 - 50,000 TRY ATM 16.32 TRY     Excluded
Above 50,000 TRY ATM 116.96 TRY     Excluded
0 - 1,000 TRY Internet 2.32 TRY     Excluded
1,000.01 - 50,000 TRY Internet 4.66 TRY     Excluded
Above 50,000 TRY Internet 58.47 TRY     Excluded
0 - 1,000 TRY Call Centre 11.68 TRY     Excluded
1,000.01 - 50,000 TRY Call Centre 23.39 TRY     Excluded
Above 50,000 TRY Call Centre 233.92 TRY     Excluded
0 - 1,000 TRY Mobile 2.32 TRY     Excluded
1,000.01 - 50,000 TRY Mobile 4.66 TRY     Excluded
Above 50,000 TRY Mobile 58.47 TRY     Excluded
Incoming EFT Payment          
Incoming to Name of the Payee Branch Free      
EFT Return          
EFT Return   Free      
 
SWIFT(4)
Swift Transfer          
From Account to Account Branch 0.135% 112.25 TRY 200 TRY Excluded
From Account to Account Call Centre 120 TRY     Included
From Account to Account Internet 115 TRY     Included
From Account to Account Mobile 115 TRY     Included
Swift Payment          
Incoming to Account from Abroad Branch Free      
Incoming to Account from a Local Bank/Abroad via a 3rd Party Bank Branch Free      
 
CHECKS          
Bank Checks          
Check Collection TL/FX (Same Branch's Checks)   Free      
Check Collection TL/FX (Other Branch's Checks)   30.00 TL      
Blocked Check Arrangement TL(6)   30.00 TL      
Blocked Check Payment   30.00 TL      
Foreign Currency Checks to be collected by Domestic Banks   0.4% 40.00 TL 400.00 TL  
Foreign Currency Checks to be collected by Foreign Banks   0.4% 40.00 TL 400.00 TL  
Check Return(9)   13.00 TL      
Rigth of Check Correction   30.00 TL      
Bad Check Declaration From Teller   50.00 TL      
Checks of Other Banks          
Local/Out of Town Check Collections   25.00 TL      
Foreign Currency Check Collection -TL/Effective Payment (7)   0.20% 40.00 TL 400.00 TL  
Overseas Delivery Fee   80.00 TL      
Bill of Exchange Transactions
Same/Different Local Branch   1%+5.00 TL 20.00 TL 75.00 TL  
Bill of Exchange Collection from Out of Town   1%+5.00 TL 20.00 TL 75.00 TL  
Nominal Bill of Exchange Refund   30.00 TL      
Bill of Exchange Protest(10)   0 TL      
Release of Bill of Exchange Protest   40.00 TL      
Monthly Statements
Overdraft Account Statement Fee**   2.50 TL      
Your Financial Information Statement Fee**   Free      
TB/GB Eurobond Transfer Fee
Fee for TL and FX TB/GB/Eurobond Delivery to Other Banks   1.00%  25 TL  250 TL  
Letter of Reference Provision
Personal Letter of Reference Provision - Branch-Pick Up   60.00 TL      
Personal Letter of Reference Provision - Delivery to Customer   85.00 TL      
Other Fees
VİOB Transaction Commission   0.10%      
Account Inquiry Fee - within all branches of HSBC Bank A.Ş.   50.00 TL      
Account Inquiry Fee - within one branch of HSBC Bank A.Ş.   50.00 TL      
Letter of Guarantee Commission   4.00% 250.00 TL    
Letter of Guarantee Amendment Fee   100.00 TL      
Letter of Guarantee Indemnification Fee   200.00 TL      
Internet Banking Findeks Report Fee**   5.00 TL      
Secure Key Application via Internet and Telephone Banking   Free      
Printed Statement Arrangement   Free      

Bill Payment Fee

Bill Payment / Administration Payment - Instant Payments

Bill Payment / Administration Payment - Instant Payments
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax) Rutin / Rutin Dışı
-4 - 2.50% 1 TL - Included Rutin

Bill Payment / Administration Payment - Regular Payments

Bill Payment / Administration Payment - Regular Payments
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax)
-5 - - - - Included

SSI Premium Payment - Instant Payments

SSI Premium Payment - Instant Payments
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax) Rutin / Rutin Dışı
- - 2.35% - - Included Rutin

ATM Transaction Fees of Other Banks

Inquiry Fee

Balance Inquiry Fee
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax) Rutin / Rutin Dışı
Balance Inquiry - Credit Card Limit and Debt Inquiries
Domestic
- TRY 0.27 - - Included Rutin

Cash Withdrawal Fees

Notification Fees
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax) Rutin / Rutin Dışı
Cash Withdrawal (Domestic) - TRY 1.05 + 1.15% - - Included Rutin
Cash Withdrawal (International) - TRY 5.5 - - Excluded Rutin

Cash Deposit Fees

Notification Fees
Transaction Type Channel Fee/Commision Min. Amount Max. Amount BSMV (Banking and Insurance Transaction Tax) Rutin / Rutin Dışı
Cash Deposit -
Credit Card Payment
Domestic
- TRY 1.05 + 1.15% - - Included Rutin

Retail Banking Transaction fees subject to change by HSBC Bank A.Ş. All rights reserved.

*BITT refers to Banking and Insurance Transaction Tax. All charges stated above as "Excuded" are subject to additional 5% BITT.

**BITT is included. One Time Password SMSs sent for HSBC Bank Retail Internet Banking log ons are free of charge.

(1)Transfers made between customers own accounts are free of charge.

(2)Precious metal EFT is not available.

(3)Late EFT is the EFT transaction made on weekdays between the hours of 16:00 – 17:00.

(4)An additional 103 TRY+BITT swift fee is applied to the transfers made through branches. Swift transactions are subject to corresponding bank fees; depending on the charge code within the swift message, corresponding bank fee is collected from the transfer amount. Receiving bank may also apply a fee for the incoming swift transaction. Swift transfers made through Call Centre, Internet and Mobile can only be made with "SHA-Shared" charge code, means corresponding bank fee is collected from the transfer amount.

(5)In swift return, corresponding bank fee may also be charged, depending on corresponding bank fee practices. 

(6)An additional valuable paper cost-earthquake tax is charged per page.

(7)An additional "Overseas Special Delivery Fee" is charged for Other Bank's Foreign Currency Check Collection.

(8)Up to TRY 1.000 can be withdrawn from HSBC ATMs above daily limit.

(9)The fee charged in the case if the checks sent to collection are requested to be returned.

(10)No transaction fee is charged by the bank. However, all notary fees are charged to customers.

Consumer Loans

  Booking/Credit Report Fee Appraisal / Expertise Fee Early Full Repayment/ Interim Payment Fee
Personal Loan 0.5% - Free
Education Loan 0.5% - Free
  Booking/Credit Report Fee Appraisal / Expertise Fee Early Full Repayment/ Interim Payment Fee
Car Loan 0.5% - Free
  Booking/Credit Report Fee Appraisal / Expertise Fee Early Full Repayment/ Interim Payment Fee Mortgage Processing Fee
Mortgage Loan 0.5% * ** Free
Personal Finance Loan 0.5% * ** Free

*Expertise fee is charged based on the type and square meter of the property.

**Early full repayment/interim payment fee for mortgages granted after May 28th 2014 with remaining maturity less than or equal to 36 months is 1% and for those with remaining maturity greater than 36 months is 2%. For mortgages granted before May 28th 2014, the early payment/early closure fee is 2% regardless of the remaining maturity.

Central Securities Depository - MKK Fees

  Existing Fee / Commission Collection Frequency
Investor Account Opening And Maintenance Services
Account Opening Fee TL 1.50 One time
Investor Registry Number And Password Fee TL 8.0 Customer Claim and when account balance reaches to 10.000 TL first time.
Account Maintanence Fee Daily TL 0.00924 from the accounts whose custody balance market value is TL 1000 or more. It is collected on a monthly basis. Monthly
  Existing Fee / Commission Collection Frequency
Mutual Funds
Mutual Funds Custody Fee Annually 0.005% over market value for Equity Intensive Mutual Funds; 0.01% from all other mutual funds Monthly
Fee For Buy Sell Orders Of Mutual Funds 0.001% over the transsaction value. Minimum Fee is 0.01 TL. Transaction Basis
  Existing Fee / Commission Collection Frequency
Government and Private Sector Debt Instruments
Capital Custody Fee For Government And Private Sector Debt Instruments Annually 0.005% over nominal value. Monthly
Capital Custody Fee For Coupons Of The Government And Private Sector Debt Instruments Annually 0.0005% over nominal value. Monthly
Fee For Buy Sell Orders Of Government Securities TL 0,015 TL on every transaction within HSBC Brokerage Transaction Basis
  Existing Fee / Commission Collection Frequency
Use Of Rights Services
General Assembly Blockage Letter Fee TL 2 For every Letter
Coupon Parsing Fee For Private Sector Debt Instruments TL 5 Transaction Basis
Fee For Paid/Unpaid Capital Increase 0.025% over the market value of the shares which can be exchanged in stock market; 0.01% over the market value the shares which cannot be exchanged in stock market Transaction Basis
Fee For Capital Reduction 0.025% over the market value of the shares which can be exchanged in stock market; 0.01% over the market value the shares which cannot be exchanged in stock market Transaction Basis
  Existing Fee / Commission Collection Frequency
Cash Payment Services
Capital Custody Fee For Private Sector Debt Instruments (PSDI), Asset Backed Securities (ABS), Asset Secured Securities (ASS), Leasing Certificate Capital And Coupon Redemption Fee, Warrant Cash Reconciliation Fee 0.01% over the paid amount Transaction Basis
Dividend Payment Fee 0.025% over the paid amount for shares that can be exchanged in the stock market; 0.005% over the paid amount for shares that cannot be exchanged in the stock market Transaction Basis
  Existing Fee / Commission Collection Frequency
Recorded Capital Market Instruments Transfer Fees
Fee For Security Transfers To Other Brokerage Houses TL 1.25 Transaction Basis
Fee For Security Transfers Within Hsbc Brokerage TL 0.25 Transaction Basis
Recording Fee For Buy Sell Orders Of Equities, Warrant, PSDI ABS, ASS, ETF, Leasing Certificate Traded Within Borsa Istanbul (BIST) TL 0.02 Transaction Basis
Fee For Conversion From Nonregistered To Registered Share TL 5 Transaction Basis
     
  Existing Fee / Commission Collection Frequency
Equities
EQUITY CUSTODY FEE FOR REGISTERED EQUITIES Annually 0.0065% over the market value Monthly
EQUITY CUSTODY FEE FOR UNREGISTERED EQUITIES Annually 0.0075% over the lower of nominal value or market value Monthly
EXCHANGE TRADED FUNDS (ETFs) and WARRANTS CUSTODY FEE Annually 0.0065% over market value Monthly

*5% Banking and Insurance Transactions Tax will be included in fees mentioned above. Fees whose calculation methodology is stated as daily or annually are collected on a monthly basis. HSBC has right to change to make changes in these fees and commissions which has been established in accordance with CRA's Fee Schedule Guideline.

Please click here to find Commercial Banking product and service fees.