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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* 40.00 TL    
Telephone Banking - Remittance in the Name of the Payee* 40.00 TL    
Internet Banking - From Account to Account* 2.75 TL    
Internet Banking - Remittance in the Name of the Payee* 2.75 TL    
Mobile Banking - From Account to Account* 2.75 TL    
Mobile Banking - Remittance in the Name of the Payee* 2.75 TL    
ATM Banking - From Account to Account* 10.00 TL    
ATM Banking - Remittance in the Name of the Payee* 10.00 TL    
Cardless ATM Cash Deposit (3rd Person)* 12.25 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) 75.00 TL    
Telephone Banking - SWIFT*(5) 80.00 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* 6.50 TL    
Internet Banking - Late EFT From Account* 9.00 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* 6.50 TL    
Mobile Banking - Late EFT From Account* 9.00 TL    
ATM Banking - EFT From Account* 12.50 TL    
ATM Banking - Late EFT From Account* 15.00 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.

 
  Fees levied on Commercial Customers
  Minimum Price Minimum % Maximum Price Maximum % Channel/
Collection Method
1. Business Loans          
1.1. Loan Allocation and Granting          
1.1.1. Fee for Loan Allocation and Granting       0,25% Branch
1.1.1. Fee for credit utilization       1% Branch
1.1.2. Fees for Letters of Credit / Intent / Reference       1% Branch
1.2. Collateralization         Branch
1.2.1. Fees for Appraisal, Collateralization, Changes and Cancellations Fees and third-party costs incurred
during the transaction are charged
Branch
1.3. Loan Risk Process         Branch
1.3.1. Fees for Debt Restructuring, Extension/Payment Plans and Interest Rate Changes       1% Branch
1.3.2. Fee for Non-Observance of the Loan Repayment Plan       0,10% Branch
1.3.3. Non-Cash Loan - Term Fee USD 250     5% Branch
1.3.4. Non-Cash Loan - Guarantor Fee #N/A Branch
1.4. Closure         Branch
1.4.1. Cash Loan - Early Payment Fee 1% of early payment amount for fixed interest loans with terms 24 Months and below, 2% of early payment amount for loans with terms above 24 Months. For foreign currency or foreign currency indexed loans, the incremental one point is applied. Branch
2. Foreign Trade          
2.1. Import Transactions           
2.1.1.  L/C Opening Fee       5% Branch
2.1.2.  Reserve/Discrepancy Fee     USD 100   Branch
2.1.3.  Pre-Notice Fee USD 75   USD 150 0,15% Branch
2.1.4.  Aval / Acceptance Fee       5% Branch
2.1.5.  Fee for Changing the Due Date / Amount     USD 120   Branch
2.1.6.  Policy Acceptance Fee  USD 150   USD 300 0,25% Branch
2.2. Export Transactions           
2.2.1.  Notice Fee USD 100   USD 300 0,10% Branch
2.2.2.  Confirmation Fee       5% Branch
2.2.3.  Fee for Changing the Due Date / Amount     USD 120   Branch
2.2.4.  Deferred Payment Fee        5% Branch
2.2.5.  Discount Fee       10% Branch
2.2.6.  Collection Fee USD 50   USD 150 0,15% Branch
2.3. Import / Export Joint Transactions          
2.3.1. Document Review Fee USD 250   USD 500 0,12% Branch
2.3.2. Change Fee     USD 120   Branch
2.3.3.  Transaction Fee TL 25   TL 200 0,03% Branch
2.3.4. Correspondent Bank Charge  The correspondent bank charge applies Branch
2.3.5. Payment Fee USD 75    USD 150 0,15% Branch
3. Cash Management          
3.1. Direct Debiting System (DDS)          
3.1.1. Supply Chain Finance Fee     1000 TL   All channels
3.1.1. DDS Fee       5% of limit or 1% of turnover All channels
3.1.2. Supply Chain Finance Term Fee       3% All channels
3.1.2. DDS Term Fee       5% of limit or 1% of turnover All channels
3.2. Deposits and Participation Funds          
3.2.1. Fee for Cash Deposits / Withdrawals No fees charged. -
3.2.2. Transaction Fee From Other Institutional ATMs / Partner ATMs Fees and third-party costs
incurred during the transaction are charged
All channels
3.3. Transfer of Cash Assets and Precious Metals          
3.3.1. Electronic Funds Transfer (EFT) Fee          
For Mobile, Online and Regular Payment transactions:          
For transactions worth TRY 1000 and below       1 TL Mobile, Internet, Branch
If the transaction amount is between TRY 1000 and 50,000       2 TL Mobile, Internet, Branch
If the transaction amount is above TRY 50,000       25 TL Mobile, Internet, Branch
For ATM transactions:          
For transactions worth TRY 1000 and below       2 TL ATM
If the transaction amount is between TRY 1000 and 50,000       5 TL ATM
If the transaction amount is above TRY 50,000       50 TL ATM
For transactions via the Branch / Other channels:          
For transactions worth TRY 1000 and below       5 TL Branch, Other Channels
If the transaction amount is between TRY 1000 and 50,000       10 TL Branch, Other Channels
If the transaction amount is above TRY 50,000       100 TL Branch, Other Channels
3.3.2. Wire Transfer Fee          
For Mobile, Online and Regular Payment transactions:          
For transactions worth TRY 1000 and below       0.5 TL Mobile, Internet, Branch
If the transaction amount is between TRY 1000 and 50,000       1 TL Mobile, Internet, Branch
If the transaction amount is above TRY 50,000       12.5 TL Mobile, Internet, Branch
For ATM transactions:          
For transactions worth TRY 1000 and below       1 TL ATM
If the transaction amount is between TRY 1000 and 50,000       2.5 TL ATM
If the transaction amount is above TRY 50,000       25 TL ATM
For transactions via the Branch / Other channels:          
For transactions worth TRY 1000 and below       2.5 TL Branch, Other Channels
If the transaction amount is between TRY 1000 and 50,000       5 TL  Branch, Other Channels
If the transaction amount is above TRY 50,000       50 TL Branch, Other Channels
3.3.3. International Funds Transfer and Messaging Fee        USD 100 All channels
3.3.4. Fee for Transfer of Precious Metals No fees charged for this transaction.
No transfer of precious metals.
-
3.4. Safe Deposit Boxes          
3.4.1. Rental Fee for Safe Deposit Box       Small Safe-Deposit     TRY 175
Medium Safe-Deposit        TRY 225
Big Safe-Deposit     TRY 275
Down Payment          TRY 150
All channels
3.5. Brokerage          
3.5.1. Brokerage Fee       25 TL All channels
3.6. Documents and Notifications          
3.6.1. Fee for Documents and Notifications Printed Account Statement TRY 2 ( per page)
Swift notifications TRY 1 per swift message
All channels
3.7. Cheque Transactions          
3.7.1. Fee for Cheque Books / Issuing Cheque Books     6.5 TL / yaprak   Branch
3.7.2. Cheque Return Fee     10 TL   Branch
3.7.3. Cheque Collection Fee     TL çek tahsilatı 25 TL / YP çek tahsilatı 27 TL   Branch
3.7.4. Fees for Cheque Documentation and Correction     25 TL / çek başına   Branch
3.8. Bill Transactions          
3.8.1. Fee for Bill Notifications No fees charged. Branch
3.8.2. Bill Return Fee     30 TL   Branch
3.8.3. Fee for Bill Protest Transactions Notary Expenses are charged Branch
3.8.4. Fee for Bill Collection 50 TL   75 TL 0,1% Branch
4. Payment Systems          
4.1. POS Fees         -
4.1.1. POS Software / Hardware / Maintenance Fee - Physical POS No fees charged for this transaction.
We have no POS product. 
-
4.2.1. POS Software / Hardware / Maintenance Fee - Virtual POS -
4.3.1. Charges for Lost / Damaged POS devices and Accessories -
4.2. Fees for Member Merchant         -
4.2.1. Member Merchant Fee Cash / Installment No fees charged for this transaction.
We have no POS product. 
-
4.2.2. Fee for Unblocking Accounts -
4.3. Transactions with Commercial Cards          
4.3.1. Commercial Card Membership Fee       TRY 100 All channels
4.3.2. Cash Advance Fee       1% of the cash advance amount All channels
 

All kinds of transactions shall be subject to business conduct of HSBC Bank A.S. and local legislation of Turkey. No information in this webpage is provided by HSBC for the purpose of offering, cross border marketing and sale by any means of any banking services outside of Republic of Turkey.

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