Fees and Commissions | HSBC

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

*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.