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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.
 

Credit Card Fees

  Min Amount Max Amount Min Rate Max Rate
MasterCard®/Visa Standard Primary Card - 78,00 TL - -
MasterCard®/Visa Standard Supplementary Card - 38,00 TL - -
MasterCard®/Visa Campus Card - 42,00 TL - -
MasterCard®/Visa Gold Primary Card - 96,00 TL - -
MasterCard®/Visa Gold Supplementary Card - 47,00 TL - -
MasterCard®/Visa Platinum Primary Card - 108,00 TL - -
MasterCard®/Visa Platinum Supplementary Card - 54,00 TL - -
Advantage Hızz (Sticker/Keyfob) Primary Card - 71,00 TL - -
Advantage Hızz (Sticker/Keyfob) Supplementary Card - 35,00 TL - -
Advantage Hızz Standard Primary Card - 84,00 TL - -
Advantage Hızz Standard Supplementary Card - 42,00 TL - -
Advantage Hızz Gold Primary Card - 101,00 TL - -
Advantage Hızz Gold Supplementary Card - 50,00 TL - -
Advantage Hızz Platinum Primary Card - 114,00 TL - -
Advantage Hızz Platinum Supplementary Card - 56,00 TL - -
Advantage Hızz Üniversiteli Primary Card - 47,00 TL - -
Credit Card Renewal Fee (charged if renewal time exceeds 2 times) - 10,00 TL - -
HSBC Advance Primary Card - 108,00 TL - -
HSBC Advance Supplementary Card - 50,00 TL - -
Virtual Card - 5,00 TL - -
Premier Miles Primary Card - 127,00 TL - -
Premier Miles Supplementary Card - 63,00 TL - -
HSBC Concept Card Free Free Free Free
  Min Amount Max Amount Min Rate Max Rate
Cash Advance Fee (TL) - - - 4,00%
Cash Advance Fee (TL) - 15,00 TL  - -
Domestic Other Bank Concept Cash Advance Fee (TL) - - - 3,50%
Domestic Other Bank Concept Cash Advance Fee (TL) - 21,00 TL - -
International Cash Advance Fee (USD&TL) - - - 3,50%
International Cash Advance Fee (USD) - 10.00 USD - -
International Cash Advance Fee (TL) - 21,00 TL - -
Campus Cash Advance Fee - - - 4,00%
Campus Cash Advance Fee (TL) - 8,00 TL  - -
Campus Domestic Other Bank Cash Advance Fee (TL) - - - 3,50%
Campus Domestic Other Bank Cash Advance Fee (TL) - 14,00 TL - -
International Campus Cash Advance Fee (TL&USD) - - - 3,50%
International Campus Cash Advance Fee (TL) - 8,00 TL - -
International Campus Cash Advance Fee (USD) - 7.00 USD - -
Concept Cash Advance Fee - - - 4,00%
Concept Cash Advance Fee (TL) - 20,00 TL - -
Domestic Other Bank Concept Cash Advance Fee (TL) - - - 3,50%
Domestic Other Bank Concept Cash Advance Fee (TL) - 27,00 TL - -
Concept International Cash Advance Fee (USD&TL) - - - 3,50%
Concept International Cash Advance Fee (TL) - 27,00 TL - -
Concept International Cash Advance Fee (USD) - 13.00 USD - -
Installment Cash Advance Fee (TL) - - - -
Installment Cash Advance Fee (TL) - - - -

Interest rates displayed in the above table are monthly credit card interest rates. HSBC reserves the right to change interest rates and fees, and will promptly announce any changes.

Premier Miles advantages are only valid by an annual fee of TRY 127 for main cardholders and TRY 63 for supplementary cardholders. To get further information on Premier Miles, please click here.

According to regulation about Bank and Credit Cards, minimum payment amounts differentiated for first time card holders. According to regulation; first time credit card users have to pay at min. 40% of the total amount on Bank Statement. Up to TL15.000 limit assignments; customers have to pay 30%, from TL15.000 up to TL20.000 limit assignments; customers have to pay %35, from TL 20.000 or more limit assignments, customers have to pay 40% of total amount on Bank Statement. Minimum payment amount is 20% for Turkish Republic of Northern Cyprus customers.

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.

 

Retail Banking Transaction Fees

  FEE LOWEST HIGHEST
Safe Deposit Box
Safe Deposit Box 305.00 TL    
Safe Deposit Box Security Deposit 400.00 TL    
Medium Safe Deposit Box 362.00 TL    
Medium Safe Deposit Box Security Deposit 400.00 TL    
Large Safe Deposit Box 494.00 TL    
Large Safe Deposit Box Security Deposit 400.00 TL    
Remittance
Domestic Money Transfer (TL/FX)      
Outgoing Remittance      
From Teller to Account (Different Branch Different Customer) 50.00 TL    
Branch - From Account to the Name of the Payee 0.5% 45.00 TL 350.00 TL
Branch - From Account to Account 35.00 TL    
Telephone Banking - From Account to Account* 30.00 TL    
Telephone Banking - Remittance in the Name of the Payee* 35.00 TL    
Internet Banking - From Account to Account* 2.50 TL    
Internet Banking - Remittance in the Name of the Payee* 2.50 TL    
Mobile Banking - From Account to Account* 2.25 TL    
Mobile Banking - Remittance in the Name of the Payee* 2.25 TL    
ATM Banking - From Account to Account* 8.00 TL    
ATM Banking - Remittance in the Name of the Payee* 8.00 TL    
Cardless ATM Cash Deposit (3rd Person)* 8.00 TL    
Cardless ATM Cash Deposit (by customer him/herself)* Free    
3rd Person Money Transfer From Teller to Account      
Different Branch Different Customer 50.00 TL    
Customer Transfer to His/Her Own Account      
From Teller Free    
From Account Free    
Domestic Incoming Transfers (TL)      
Cash Payment Free    
Other Bank / International FX Transfers      
Incoming Transfer      
Incoming Transfer Fee
(TL/FX Payment)
Free    
HSBC Group Customer Encashment Fee** 20.00 USD    
Outgoing Transfer      
Outgoing Transfer (additional SWIFT fee charged) 0.09% 75.00 TL 200.00 TL
SWIFT 90.00 TL    
Internet Banking - SWIFT*(5) 50.00 TL    
Telephone Banking - SWIFT*(5) 50.00 TL    
EFT
Branch - EFT From Account 0.10% 50.00 TL 100.00 TL
Branch - Late EFT From Account 0.14% 70.00 TL 100.00 TL
Internet Banking - EFT From Account* 5.00 TL    
Internet Banking - Late EFT From Account* 7.50 TL    
Telephone Banking - EFT From Account* 0.4% 35.00 TL 80.00 TL
Telephone Banking - Late EFT From Account* 0.4% 50.00 TL 90.00 TL
Mobile Banking - EFT From Account* 4.50 TL    
Mobile Banking - Late EFT From Account* 6.50 TL    
ATM Banking - EFT From Account* 10.00 TL    
ATM Banking - Late EFT From Account* 13.00 TL    
Checks
Checkbook Fee (5 checks) (1) 25.00 TL    
Checkbook Fee (10 checks) (1) 50.00 TL    
Checkbook Fee (20 checks) (1) 100.00 TL    
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(1) 30.00 TL    
Blocked Check Payment 30.00 TL    
Foreign Currency Check Arrangement Abroad (additional SWIFT fee charged)(1) 0.5% 40.00 TL 400.00 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
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 (2) 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    
Release of Bill of Exchange Protest 40.00 TL    
Monthly Statements
Overdraft Account Statement Fee** 2.50 TL    
Your Financial Information Statement Fee* 2.32 TL    
Account Maintenance Fee** (3) 11.80 TL    
ATM Cash Withdrawal

Other Bank ATM Transactions via HSBC Debit Card within Turkey*

    1.15%+1.05 TL

Other Bank Abroad ATM Transactions via HSBC Debit Card***

5.50 TL    

HSBC ATM Cash Withdrawal Above Daily Limit 4

1.50% 5.00 TL 15.00 TL
Account Balance Inquiry Fee
Other Bank ATM Network in Turkey Account Balance Inquiry Fee* 0.27 TL    
ATM Receipt 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    
Branch Utility Bill Collection (Turkcell/Vodafone/TTNET ADSL/Digiturk)* 1.00 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    

Retail Banking Transaction fees are valid as of 22.11.2018 and subject to change by HSBC Bank A.Ş. All rights reserved.

All charges stated above are subject to additional 5% Banking Insurance Transaction Tax (BITT).

* BITT is included. Express Banking Channels FX Fund Transfer fees charged in foreign currency (TL equivalent).One Time Password SMSs sent for HSBC Bank Retail Internet Banking log ons are free of charge. Late EFT fee is applied to transactions made on weekdays between the hours of 16:00 – 17:00 through HSBC Bank Retail İnternet Banking.

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

(2) An additional “Overseas Special Delivery Fee” is charged for Other Bank’s Foreign Currency Check Collection.

(3) In line with an interim Turkish State Council 15th Division “postponement of execution” decision declared on 18 November 2015, HSBC has stopped charging retail banking customers monthly account maintenance fee for current accounts as of 03 February 2016, as soon as it has been delivered to the bank.

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

(5) All transfers are made with SHA code (corresponding bank / other international fees are collected from transfer amount).

 

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.

 

Safety Deposit Boxes

Safety Deposit Boxes Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Small Safe-Deposit TRY 175.00 TRY 175.00 - - BITT (5%) not included.
Medium Safe-Deposit TRY 225.00 TRY 225.00 - - BITT (5%) not included.
Big Safe-Deposit TRY 275.00 TRY 275.00 - - BITT (5%) not included.
Down Payment TRY 150.00 TRY 150.00 - - BITT (5%) not included.

Wire Transfers

Domestic Outgoing Wire (TRY or FX) Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Transfers to Name and Account - Via Teller (Same Branch) - - - - No charges.
Transfers to Name and Account - Via Teller (Different Branch) TRY 10.00 TRY 100.00 - 0.20 % BITT (5%) not included.
Transfers to Name and Account - Through Account TRY 10.00 TRY 10.00 - - BITT (5%) not included.
Transfers from Corporate Internet Banking - Remittance to Name (Rate - BITT included) TRY 2.00 TRY 15.00 - 0.52 % No charges.
Transfers from Corporate Internet Banking - Remittance into Account (Rate - BITT included) - - - - No charges.
Internal Transfer - - - - No charges.
Wire Transfers for Credit Card and Loan Installment Payments - - - - No charges.
Domestic Incoming Wire Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Cash Payment TRY 5.00 TRY 5.00 - - BITT (5%) not included.
Foreign Incoming Wire Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Effective Payment TRY 50.00 TRY 300.00 - 0.20 % BITT (5%) not included.
Payment by Remittance/Cheque in FX TRY 20,00 TRY 20,00 - - BITT (5%) not included.
Payment in TRY TRY 20,00 TRY 20,00 - - BITT (5%) not included.
In case the sending bank is an HSBC Group bank / non-Group correspondent bank USD 50.00 USD 200.00 - 0.50 % BITT (5%) not included.
Foreign Outgoing Wire Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Outgoing Wire in FX (additional Swift charges to be collected) TRY 25.00 TRY 200.00 - 0.25 % BITT (5%) not included.
Swift Charges - Via Branch (Invisible Items) USD 50.00 USD 50.00 - - BITT (5%) not included.
Swift Charges - Corporate Internet Banking (BITT included) TRY 26.50 TRY 26.50 - -  
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Transfer Investigation Fee TRY 20,00 TRY 200.00 - - BITT (5%) not included.
Transaction Correction Fee USD 50.00 USD 50.00 - - BITT (5%) not included.

Eft

Sending Eft Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Through account and teller TRY 35.00 TRY 250.00 - 0.40 % BITT (5%) not included.
Through Corporate Internet Banking (Rate - BITT included) TRY 2.00 TRY 15.00 - -  

Cheques

Cheques Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Cheque Book Fee - (Valuable Paper Fee - excluding Earthquake Tax) TRY 5.00 TRY 5.00 - - Indicates the fee per page.
Bad cheque notification fee TRY 50.00 TRY 50.00 - - BITT (5%) not included.
For those exercising the right of correction, intelligence information correction - Per cheque TRY 25.00 TRY 25.00 - - BITT (5%) not included.
Non-transaction return of cheque for collection - Per cheque TRY 10.00 TRY 10.00 - - BITT (5%) not included.
Drawing up certified cheque TRY 20,00 TRY 150.00 - 0.10 % BITT (5%) not included.
Collection of Cheques - TRY Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Bank Cheques (Same Branch Cheque) - - - - No charges.
Bank Cheques (Different Branch Cheque) TRY 20,00 TRY 20,00 - - BITT (5%) not included.
Other Bank Cheques TRY 20,00 TRY 20,00 - - BITT (5%) not included.
Collection of Cheques - FX Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Bank Cheques (Same Branch Cheque) - - - - No charges.
Bank Cheques (Different Branch Cheque) TRY 20,00 TRY 20,00 - - BITT (5%) not included.
Other Bank Cheques TRY 25.00 - - 0.10 % BITT (5%) not included.
Non-Transaction Return Cheque Fee TRY 10.00 TRY 10.00 - - BITT (5%) not included.
Drawing up certified cheque TRY 20,00 TRY 150.00 - 0.10 % BITT (5%) not included.
Cheque Collections - Foreign Cheques Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Collection of USD cheques drawn on banks in US USD 50.00 USD 250.00 - 0.03 % BITT (5%) not included.
Travelers' Cheques Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Effective Payment TRY 30.00 TRY 150.00 - 1.00 % BITT (5%) not included.
Payment in TRY TRY 15.00 TRY 15.00 - - BITT (5%) not included.

Bill Transactions

Bill Transactions Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Local, Same Branch TRY 25.00 TRY 75.00 - 1.00 % BITT (5%) not included.
Local, Different Branch TRY 25.00 TRY 75.00 - 1.00 % BITT (5%) not included.
Collection of Out-of-Town Bills TRY 25.00 TRY 75.00 - 1.00 % BITT (5%) not included.
Non-Transaction Return of Bills TRY 20,00 TRY 20,00 - - BITT (5%) not included.
Removal of Bill Protests TRY 20,00 TRY 20,00 - - BITT (5%) not included.
Protest Charge for Bills TRY 25.00 TRY 50.00 - - Notary costs charged.

Correspondent Bills

in TRY Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Collection of Bills TRY 35.00 - - 0.40 % BITT (5%) not included.
Return of Protested Bills TRY 35.00 - - 0.40 % BITT (5%) not included.
Return of Non-Protest or Non-Transaction Bills TRY 35.00 - - 0.40 % BITT (5%) not included.
in FX Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Collection of Bills USD 25.00 - - 0.50 % BITT (5%) not included.
Return of Protested Bills USD 25.00 - - 0.50 % BITT (5%) not included.
in TRY Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Return of Non-Protest or Non-Transaction Bills USD 25.00 - - 0.50 % BITT (5%) not included.
Protest Charge for Bills TRY 1.00 - - - Notary costs charged.

Demand Deposit

Demand Deposit Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Statement Charge - Monthly TRY 10.00 TRY 10.00 - - BITT (5%) not included.
Statement of account activities issued from branch - Per page TRY 2.00 TRY 2.00 - - BITT (5%) not included.
Account Maintenance Fee (BITT included) TRY 10.00 TRY 10.00 - -  
Account Opening Fee TRY 10.00 TRY 10.00 - - BITT (5%) not included.
IBC Foreign Account Opening Fee TRY 50.00 TRY 50.00 - - BITT (5%) not included.
Communication Fee TRY 10.00 TRY 10.00 - - BITT (5%) not included.
Account Reconciliation Fee TRY 50.00 TRY 50.00 - - BITT (5%) not included.
Balance Sweep Installation Fee TRY 100.00 TRY 100.00 - - BITT (5%) not included.

Expertise and Mortgage Fee

Expertise and Mortgage Fee Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Collateralization Cost TRY 250.00 TRY 250.00 - - BITT (5%) not included.
Release of Collateral TRY 50.00 TRY 50.00 - - BITT (5%) not included.
Mortgage Release TRY 250.00 TRY 250.00 - - BITT (5%) not included.
Agricultural Areas - Zoned or otherwise, 1m² to 20.000m² of Vineyards, Orchards, Croplands, Agricultural Land, Greenhouse Areas, Private Forest, etc. TRY 729.00 TRY 1,652.00 - -  
Agricultural Areas - Zoned or otherwise, 20.001m² to 100.000m² of Vineyards, Orchards, Croplands, Agricultural Land, Greenhouse Areas, Private Forest, etc. TRY 846.00 TRY 1,769.00 - -  
Agricultural Areas - Zoned or otherwise, 100.000m² and over of Vineyards, Orchards, Croplands, Agricultural Land, Greenhouse Areas, Private Forest, etc. TRY 1,013.00 TRY 1,936.00 - -  
Land - 1m² to 1.000m² TRY 846.00 TRY 1,769.00 - -  
Land - 1.001m² to 10.000m² TRY 1,020.00 TRY 1,943.00 - -  
Land - 25.000m² and over TRY 1,616.00 TRY 2,539.00 - -  
Dwellings & Workplaces - Dwellings or office spaces considered as independent units - 1m² to 250m² TRY 611.00 TRY 1,534.00 - -  
Dwellings & Workplaces - Dwellings or office spaces considered as independent units - 251m² to 500m² TRY 757.00 TRY 1,680.00 - -  
Dwellings & Workplaces - Dwellings or office spaces considered as independent units - 501m² to 1,000m² TRY 904.00 TRY 1,827.00 - -  
Dwellings & Workplaces - Dwellings or office spaces considered as independent units - 1,001m² to 5,000m² TRY 1,345.00 TRY 2,268.00 - -  
Dwellings & Workplaces - Dwellings or office spaces considered as independent units - 5,001m² to over TRY 2,145.00 TRY 3,068.00 - -  
Dwellings & Workplaces - Shops, Plazas, Business Centers, Shopping Malls, etc. 1m² to 100m² TRY 669.00 TRY 1,592.00 - -  
Dwellings & Workplaces - Shops, Plazas, Business Centers, Shopping Malls, etc. 101m² to 500m² TRY 787.00 TRY 1,710.00 - -  
Dwellings & Workplaces - Shops, Plazas, Business Centers, Shopping Malls, etc. 501m² to 2,000m² TRY 964.00 TRY 1,887.00 - -  
Dwellings & Workplaces - Shops, Plazas, Business Centers, Shopping Malls, etc. 2,001m² to 5,000m² TRY 1,488.00 TRY 2,411.00 - -  
Dwellings & Workplaces - Shops, Plazas, Business Centers, Shopping Malls, etc. 5,001m² to 20,000m² TRY 2,145.00 TRY 3,068.00 - -  
Dwellings & Workplaces - Shops, Plazas, Business Centers, Shopping Malls, etc. 20,001m² and over TRY 2,571.00 TRY 3,494.00 - -  
Dwellings & Workplaces - Waterside residences within the meaning of Law No. 2960 on the Bosphorus as well as real properties considered as ancient buildings under the said Law (Registered) - (FULLY) TRY 3,137.00 TRY 4,060.00 - -  
Power and Fueling Facilities - Fuel Stations TRY 1,863.00 TRY 2,786.00 - -  
Power and Fueling Facilities - Refineries, Fuel Storage Plants, Other Power Facilities TRY 3,561.00 TRY 4,484.00 - -  
Production, Storage, Agricultural and Industrial Structures - 1m² to 500m² TRY 669.00 TRY 1,592.00 - - Manufacturing plants, workshops, storages, hangar structures, sheet & goat farms, cattle farms, and poultry farms, etc.
Production, Storage, Agricultural and Industrial Structures - 501m² to 2,000m² TRY 846.00 TRY 1,769.00 - - Manufacturing plants, workshops, storages, hangar structures, sheet & goat farms, cattle farms, and poultry farms, etc.
Production, Storage, Agricultural and Industrial Structures - 2,001m² to 10,000m² TRY 1,137.00 TRY 2,060.00 - - Manufacturing plants, workshops, storages, hangar structures, sheet & goat farms, cattle farms, and poultry farms, etc.
Production, Storage, Agricultural and Industrial Structures - 10,001m² to 25,000m² TRY 2,163.00 TRY 3,086.00 - - Manufacturing plants, workshops, storages, hangar structures, sheet & goat farms, cattle farms, and poultry farms, etc.
Production, Storage, Agricultural and Industrial Structures - 25,001m² and over TRY 3,561.00 TRY 4,484.00 - - Manufacturing plants, workshops, storages, hangar structures, sheet & goat farms, cattle farms, and poultry farms, etc.
Real Properties used for Services - 1m² to 2,000m² TRY 1,197.00 TRY 2,120.00 - - Hospitals, Healthcare Facilities, Schools, Motels, Hostels, Accommodation Facilities, Cultural Facilities, Libraries, Cinema Halls, Theaters, Exhibition Halls, Performance Centers, Wedding-Ceremony Halls, Marriage Offices, Religious and Military Facilities, Sports Facilities and Complexes, etc. (Gross area including car-parks)
Real Properties used for Services - 2,001m² to 5,000m² TRY 1,651.00 TRY 2,574.00 - - Hospitals, Healthcare Facilities, Schools, Motels, Hostels, Accommodation Facilities, Cultural Facilities, Libraries, Cinema Halls, Theaters, Exhibition Halls, Performance Centers, Wedding-Ceremony Halls, Marriage Offices, Religious and Military Facilities, Sports Facilities and Complexes, etc. (Gross area including car-parks)
Real Properties used for Services - 5,001m² to 10,000m² TRY 2,145.00 TRY 3,068.00 - - Hospitals, Healthcare Facilities, Schools, Motels, Hostels, Accommodation Facilities, Cultural Facilities, Libraries, Cinema Halls, Theaters, Exhibition Halls, Performance Centers, Wedding-Ceremony Halls, Marriage Offices, Religious and Military Facilities, Sports Facilities and Complexes, etc. (Gross area including car-parks)
Real Properties used for Services - 10,001m² and over TRY 2,853.00 TRY 3,776.00 - - Hospitals, Healthcare Facilities, Schools, Motels, Hostels, Accommodation Facilities, Cultural Facilities, Libraries, Cinema Halls, Theaters, Exhibition Halls, Performance Centers, Wedding-Ceremony Halls, Marriage Offices, Religious and Military Facilities, Sports Facilities and Complexes, etc. (Gross area including car-parks)
Collective Valuation - Valuation to be done where more than one properties within the “Agricultural Areas and Land” group is included in the same valuation report, and is located within the boundary of the same quarter / village (FULLY) - - - 10.00 % A full fee listed in the valuation tariff for the biggest property, for the real properties, which are the subject-matter of valuation; 10% of the fee applicable to the relevant group, for each of other properties
Collective Valuation - Valuation to be done where more than one properties located on the same lot, within the “Dwellings and Workplaces” group, which are included in the same valuation report, and whose valuation is done on the same date in one go, 2 to 100 items - - - 7.50 % A full fee listed in the valuation tariff for the biggest property, for the real properties, which are the subject-matter of valuation; 7.5% of the fee applicable to the relevant group, for each of other properties
Collective Valuation - Valuation to be done where more than one properties located on the same lot, within the “Dwellings and Workplaces” group, which are included in the same valuation report, and whose valuation is done on the same date in one go, 101 items and over TRY 5,117.00 TRY 6,040.00 - -  
Real Estate Project, Valuation of Interests and Benefits Associated with Real Estate - - - - Not determined by the Capital Markets Board.
Revaluation of Real Property Previously Valued - Valuations to be done for the purpose of ensuring the determination of level of completion for a real property under construction - - - 30.00 % 30% of the fee listed in the current tariff
Revaluation of Real Property Previously Valued - Revised reports to be requested from the same valuation company in relation to a previously issued report, within 12 months following the report date - - - 50.00 % 50% of the fee listed in the current tariff
OTHER* (Valuation of other assets to the extent as permitted by the relevant legislation) - - - - Mixed structures (qualifying assets such as machinery, equipment, ports, shipyards, etc. that are of supplemental and attachment nature), mixed facilities consisting of structures of varied characteristics that are constructed over a single or multiple lot(s) (FULLY). * In case of works falling within this group, if there are assets that are supplemental to and attachment of the valued property, valuation fee for them shall be determined by the relevant parties. However, valuation fee for the main property shall be in such sum not less than minimum valuation fee as specified in this tariff. Not determined by the Capital Markets Board.
Land - 10.001m² to 25.000m² TRY 1,367.00 TRY 2,290.00 - -  

Loan Commissions

Loan Commissions Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Credit Facility Limit Allocation Fee TRY 250.00 - - 1.00 % BITT (5%) not included.
Lending Intelligence Fee TRY 100.00 TRY 250.00 - 0.50 % BITT (5%) not included.
Credit Facility Revision Fee TRY 250.00 - - 1.00 % BITT (5%) not included.
Rotative Loans Utilisation Commission TRY 50.00 TRY 5,000.00 - 0.10 % BITT (5%) not included.
Spot/Discount Loans Utilisation Commission TRY 100.00 TRY 5,000.00 - 1.00 % BITT (5%) not included.
Installment Loans (Commercial, Workplace, Automobile) Utilisation Commission/File Charges TRY 250.00 - - 2.00 % BITT (5%) not included.
Flexible Payment Loans Utilisation Commission TRY 300.00 - - 3.00 % BITT (5%) not included.
Transaction Fee for Changing Payment Plan for Installment Loans TRY 150.00 - - 1.00 % BITT (5%) not included.
Installment Delay Fee TRY 10.00 TRY 500.00 - 0.10 % BITT (5%) not included.
Interest Payment Period End Commission for Rotative Loans TRY 100.00 - - 4.00 % BITT (5%) not included.
Interest Payment Period End Commission for Hızır Accounts TRY 20,00 - - 10.00 % BITT (5%) not included.
Early Payment Fee for Installment Loans (on the principal amount extended, in case of early payment in the specified time intervals) 1.00 - - - (10%) for 12 Months and below / (6%) for 12 to 24 Months / (4%) for 24 Months and over. BITT (5%) not included.
Early Payment Fee for Flexible Payment and Spot Loans TRY 1.00 - - - Reference interest rates difference between loan extension and loan payment, plus penalty premium. BITT (5%) not included.
Notary Fee for Statements of Loans 50.00 50.00 - - BITT (5%) and notary fee not included.
Overdraft Account Statement TRY 10.00 TRY 10.00 - - BITT (5%) not included.
Escrow Account Fee TRY 1.00 - - - Transaction-specific fee to be offered. BITT (5%) not included.

Treasury Bill/Government Bond/Eurobond Transfer Fee

Treasury Bill(TB)/Government Bond(GB)/Eurobond(EB) Transfer Fee Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
TRY and FX TB/GB/EB fee for transfer to other bank TRY 60.00 TRY 150.00 - 0.50 % BITT (5%) not included.

Foreign Trade and Factoring Charges

Export Transactions - Against Documents Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Clean collection and documentary collection payable at sight USD 75.00 USD 150.00 - 0.15 % BITT (5%) not included.
Non-allowable/dishonored collection documents USD 75.00 USD 150.00 - 0.10 % BITT (5%) not included.
Free-of-charge delivery in case of change in terms of payment for the incoming documents USD 75.00 USD 150.00 - 0.10 % BITT (5%) not included.
Change in collection order given by exporter USD 50.00 USD 50.00 - - Indicates the charges for each change. BITT (5%) not included.
Return of documents and draft prior to submission USD 75.00 USD 150.00 - 0.10 % BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Import Transactions - Goods with Acceptance Credit or Against Documents Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Acceptance of Draft USD 150.00 USD 300.00 - 0.25 % BITT (5%) not included.
Acceptance of Draft and Aval - - - - As agreed. BITT (5%) not included.
Non-Allowable / Dishonored Draft USD 75.00 USD 150.00 - 0.10 % BITT (5%) not included.
Free-of-charge delivery in case of change in terms of payment for the incoming documents USD 75.00 USD 150.00 - 0.10 % BITT (5%) not included.
Change in collection order given by exporter USD 50.00 USD 50.00 - - Indicates the charges for each change. BITT (5%) not included.
Return of documents and draft prior to submission USD 75.00 USD 150.00 - 0.10 % BITT (5%) not included.
Protest for dishonored draft (collected from exporter) USD 75.00 USD 75.00 - - BITT (5%) not included.
Export Transactions - Against Documents Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Import Transactions - Through Letter of Credit Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
L/C opening - - - - As agreed. BITT (5%) not included.
L/C amendment (a separate Swift charge to be collected) USD 80.00 USD 80.00 - - BITT (5%) not included.
L/C cancellation USD 100.00 USD 100.00 - - BITT (5%) not included.
Reserve notification (collected from the exporter's bank) USD 100.00 USD 100.00 - - BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Import Transactions - Other Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Consequence Message (Swift) USD 20.00 USD 20.00 - - BITT (5%) not included.
Export Transactions - Payment in Advance Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Charges for Payment in Advance (charged in case of a FX Purchase Document is issued) USD 25.00 USD 100.00 - 0.25 % BITT (5%) not included.
Export Transactions - Against Goods Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Charges for Transaction against Goods (charged in case of a FX Purchase Document is issued) USD 25.00 USD 100.00 - 0.25 % BITT (5%) not included.
Export Transactions - Against Documents, Against Documents with Acceptance Credit / Against Goods with Acceptance Credit Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Documents collection USD 50.00 USD 150.00 - 0.15 % BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Assignment (collected at the time of assignment) USD 250.00 USD 500.00 - 0.15 % BITT (5%) not included.
Export Transactions - Through Letter of Credit Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Advice USD 100.00 USD 300.00 - 0.10 % BITT (5%) not included.
Payment per document and review of documents USD 250.00 USD 500.00 - 0.13 % BITT (5%) not included.
Export Transactions - Against Documents, Against Documents with Acceptance Credit / Against Goods with Acceptance Credit Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
L/C cancellation (a separate Advice and Swift charge to be collected) USD 100.00 USD 100.00 - - BITT (5%) not included.
L/C transfer (in case of transfer to another bank) USD 250.00 USD 500.00 - 0.15 % BITT (5%) not included.
Transferrable L/C transfer (in case of transfer to a firm other than the L/C beneficiary) USD 350.00 USD 10,000.00 - 0.20 % BITT (5%) not included.
Assignment (collected at the time of assignment) USD 250.00 USD 500.00 - 0.15 % BITT (5%) not included.
Confirmation TRY 1.00 - - - As agreed. BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Export Transactions - Other Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Consequence Message (Swift) USD 20.00 USD 20.00 - - BITT (5%) not included.
Guarantees - Issued by HBTR Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Issuing of letters of guarantee/counter-guarantee TRY 1.00 - - - As agreed. BITT (5%) not included.
Export Transactions - Other Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Extension of term & Amount increase for guarantee/counter-guarantee (a separate Swift and Change charge to be collected) TRY 1.00 - - - As agreed. BITT (5%) not included.
Guarantee/counter-guarantee change (a separate Swift charge to be collected) USD 50.00 USD 50.00 - - BITT (5%) not included.
Guarantee/counter-guarantee cancellation prior to maturity (a separate Swift and Change charge to be collected) USD 100.00 USD 100.00 - - BITT (5%) not included.
Compensation (a separate Swift charge to be collected) USD 100.00 USD 100.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Guarantees - Issued and advised to HBTR without liability Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Advising a letter of guarantee issued from another bank, without liability USD 75.00 USD 75.00 - - BITT (5%) not included.
Advising any change in a guarantee issued from another bank, without liability USD 50.00 USD 50.00 - - BITT (5%) not included.
Examination and consultancy USD 100.00 USD 100.00 - - BITT (5%) not included.
Compensation (a separate Swift and Post charge to be collected) USD 100.00 USD 100.00 - - BITT (5%) not included.
Release (a separate Swift charge to be collected) USD 50.00 USD 50.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Guarantees - drafting a letter of guarantee on the basis of a counter-guarantee issued to HBTR Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Transaction Fee (one-off charge collected for transaction) USD 100.00 USD 100.00 - - BITT (5%) not included.
Drafting a letter of guarantee on the basis of a counter-guarantee issued from another bank Usd 150 - - - As agreed. BITT (5%) not included.
Extension of term & Amount increase of a letter of guarantee issued on the basis of a counter-guaranteed issued from another bank (a separate Change charge to be collected) - - - - As agreed. BITT (5%) not included.
Amending a letter of guarantee on the basis of a counter-guarantee issued from another bank USD 50.00 USD 50.00 - - BITT (5%) not included.
Letter of guarantee translation USD 100.00 USD 100.00 - - BITT (5%) not included.
Compensation (a separate Swift charge to be collected) USD 100.00 USD 100.00 - - BITT (5%) not included.
Release (a separate Swift charge to be collected) USD 50.00 USD 50.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Mail USD 50.00 USD 50.00 - - BITT (5%) not included.
Guarantees - Credit guarantees issued to HBTR / hold cover Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Examination and consultancy USD 150.00 USD 150.00 - - BITT (5%) not included.
Release (a separate Swift charge to be collected from Guarantor bank) USD 50.00 USD 50.00 - - BITT (5%) not included.
Guarantees - parent guarantees / corporate guarantees issued to HBTR Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Examination and consultancy USD 150.00 USD 150.00 - - BITT (5%) not included.
Guarantees - Domestic letter of guarantees Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Charges for issuing a letter of guarantee (as agreed) - - - - BITT (5%) not included. Upon agreement.
Amendment (a separate Swift charge to be collected) TRY 100.00 TRY 100.00 - - BITT (5%) not included.
Compensation (a separate Swift charge to be collected) TRY 200.00 TRY 200.00 - - BITT (5%) not included.
Release (a separate Swift charge to be collected) TRY 100.00 TRY 100.00 - - BITT (5%) not included.
Mail TRY 100.00 TRY 100.00 - - BITT (5%) not included.
Charges for issuing a letter of intention TRY 250.00 TRY 250.00 - - BITT (5%) not included.
Commission fee for letter of reference TRY 250.00 TRY 250.00 - - BITT (5%) not included.
Domestic Factoring Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Limit Allocation Fee TRY 250.00 - - 1.00 % BITT (5%) not included.
Buyer Intelligence Fee TRY 100.00 TRY 250.00 - - BITT (5%) not included.
Limit Revision Fee TRY 250.00 - - 1.00 % BITT (5%) not included.
Commission fee for rotating credit extension in case of revocable factoring transactions (may be collected on the assigned invoice or funding amount) TRY 250.00 - - 1.00 % BITT (5%) not included.
Collection service commission (fixed - on the invoice value) TRY 100.00 - - 0.30 % BITT (5%) not included.
Discount, factoring spot funding extension commission fee for revocable factoring transactions TRY 250.00 - - 1.00 % BITT (5%) not included.
Rotating Funding Annual Commission Fee TRY 100.00 - - 4.00 % BITT (5%) not included.
Guarantee Commission (collected on the assigned invoice). TRY 1,000.00 - - - BITT (5%) not included.
Invoice Handling Fee - TRY 200.00 - - BITT (5%) not included.

Payments & Cash Management, Current

Payments & Cash Management, Current Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
Payments & Cash Management, Direct Debiting System (DDS) Charges TRY 1.00 - - - As agreed. BITT (5%) not included.
Payments & Cash Management, Outstanding Balance Remainders, transferred in lieu of charges TRY 1.00 - - - As agreed. BITT (5%) not included.
Payments & Cash Management, Cash Handling Fee TRY 1.00 - - - As agreed. BITT (5%) not included.
Payments & Cash Management, collective commission fee at the of every month TRY 1.00 - - - As agreed. BITT (5%) not included.
Payments & Cash Management, collective EFT charges TRY 1.00 - - - As agreed. BITT (5%) not included.
Payments & Cash Management, MT940 charges TRY 1.00 - - - As agreed. BITT (5%) not included.

Cash Management, Other

Import Transactions - Payment in Advance Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
File charges (a separate Swift charge to be collected) USD 30.00 USD 30.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
Import Transactions - Against Goods Minimum Amount Maximum Amount Minimum Rate (%) Maximum Rate (%) Description
File charges (a separate Swift charge to be collected) USD 30.00 USD 30.00 - - BITT (5%) not included.
Swift USD 40.00 USD 40.00 - - BITT (5%) not included.
 

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The information provided here is purely for informative purposes and can be changed without any prior notification.