Frequently Asked Questions

Anyone who meets the following criteria can become our customer via Kuveyt Turk Mobile:

• Being a Republic of Turkey citizen,
• Being over 18 years of age,
• Residing in Turkey,
• Having a chipped credit card with.
   

To open an account with video calling, you must have a chipped Turkish ID card.

You can easily become a Kuveyt Türk customer by downloading Kuveyt Türk Mobile to your smartphone and using the video call application feature. 

You can apply it to any smartphone that has an NFC feature. If your phone does not have an NFC feature or it does not work, do not worry. After you open your account, you can activate the account by transferring money from your personal account at another bank to the IBAN sent to you via SMS.

You can make your application between 09.00-23.00 any day during the week.

You can continue your application again from the identity verification step by clicking the Become a Customer button on Kuveyt Türk Mobile.

The environment should be bright, and your identity and face should be clearly visible.

In this case, check your phone's NFC settings and retry. If it fails again, you can try an alternative method; you can activate your Kuveyt Türk account by transferring money from your personal account at another bank to the IBAN sent to you via SMS.

Yes, you may receive service from any Kuveyt Türk branch, especially the branch you have selected during the video call.

After the application, you can log in to Kuveyt Türk Mobile within 36 hours using the temporary password we will send you and benefit from all our mobile banking services.

We will print your debit card within three days of your application and hand it to the courier.

You can receive service from our branches between 09.00 AM and 12.30 PM and 1.30 PM and 5.00 PM. On Fridays, our branches are open from 2.00 PM to 5.00 PM.

We have Arabic-speaking staff in Osmanbey and Fındıkzade branches in Istanbul, Mersin and Mezitli branches in Mersin, and the Gaziantep branch in Gaziantep.

You can open an account by applying to our branches with your passport, tax number obtained from the tax office, and residence permit document. If you do not have a residence permit, you can apply with an official translated and notarized document confirming your address.

A passport, ID card, and tax number are sufficient for our Kuwaiti customers.

The 3-month blocking period aims to prevent the constant opening and closing of accounts in order to obtain a residence permit. The same applies to obtaining a credit card.

We can only send Turkish SMS notifications for the time being.

You can make your transactions without any problems if your registered residence permit has a photo and the date of the permit has not expired. Otherwise, you must go to the branch with your residence permit with a photograph or passport to withdraw money.

Click here for detailed information about safe deposit box sizes and fees.

Money transfers can be made between accounts in the same currency. This means you can transfer money from your TRY account to another TRY account or from your Dollar account to another Dollar account.

You can view your IBAN via Kuveyt Türk Internet Branch or Kuveyt Türk Customer Contact Center at 444 0 123. You can also access the same information by typing your account number on the Kuveyt Türk website. Click for detailed information!

Our Swift code is KTEFTRIS, and our BIC code is 205.

Unless an extra limit is allocated, you can transfer TRY 50,000 per day, TRY 100,000 per month, or its equivalent in Dollars/Euros.

You can visit our branches or contact Kuveyt Türk Customer Contact Center to increase your EFT limits. 

You can enable SMS information services by calling Kuveyt Türk Customer Contact Center at 444 0 123.

You can call Kuveyt Türk Call Center at 444 0 123 to activate SMS notification services.

EFT limits can be increased at the branch where your account was opened. You can contact your branch to request a limit increase.

In the event no extra limit is assigned, you can transfer up to 15,000 Turkish Liras daily, 75,000 Turkish Liras monthly, or the equivalent amounts in Dollars or Euros. For detailed information, please click here.

Our code for swift transactions is KTEFTRIS, and the BIC code is 205.

You can find out your IBAN by logging on to the Online Branch, calling the Kuveyt Türk Call Center on 444 0 123, or from the Kuveyt Türk website by entering your account number. For detailed information, please click here.

If a transfer is going to be made in Türkiye, the IBAN or account number, additional account number and the branch code is required for the account to which the transfer will be made. If a transfer is going to be made from abroad, our bank’s Swift code and the account IBAN will be required. The additional number is a number identified individually for each different currency unit, deposit or drawing account linked to the main account.

Money can be transferred between accounts of the same currency type. You can transfer funds from your Turkish Lira account to your other Turkish Lira account, or from your Dollar account to your other Dollar account.

For detailed information on safe-deposit box sizes and pricing, please click here.  

You can have the block removed by calling your branch.

You will be asked two digits of your date of birth for any transactions you make at our ATMs for account security. Make sure you enter the required parts of your date of birth correctly.

We have implemented a new security measure at our ATMs. This requires the entry of any two digits of your date of birth. If you fail to code it correctly, your ATM card will be blocked.

The code number requested from you at the ATMs is also the PIN for your ATM card.

Once you put your card into the ATM and dial your password, you can press 9 to see the available language options.

Thanks to Kuveyt Türk’s new feature, you can withdraw money at any ATM without inserting your card. 

Thanks to Kuveyt Türk’s new feature, you can deposit money at any ATM without inserting your card. 

Yes, if you have a Dollar account, you can withdraw dollars. 

Although you can’t deposit FOREX, you can always enjoy advantageous rates when exchanging euros and dollars through exchange transactions. 

Click here for more information about our Accessible ATMs.

Credit card can be used both domestically and abroad

You can quickly apply for your credit card through Kuveyt Türk Mobile and Internet Branch. Alternatively, you can apply through our branches and receive your card with instant printing.

First, you need to go to your branch and have a block placed on your account, equal to the limit increase you require. Then you can call Kuveyt Türk Call Center at 444 0 123 to create a request for a limit increase.

You can request a limit decrease by calling Kuveyt Türk Customer Contact Center at 444 0 123. After the transaction, you can go to your branch and have the block taken from your account as much as the lowered limit from your credit card.

You can clear the entire balance on your credit card at the branch. The held funds in your account will be released within one business day.

You can transfer your account's TRY balance to your credit card and spend as much as the amount you transferred.

You can request a credit card limit increase via Kuveyt Türk Mobile, Customer Contact Center (444 0 123), or our branches.

You can use cards with Visa and MasterCard logos abroad. Troy cards are only valid in Turkey.

Your credit card debt will be automatically debited from your account if you do not pay by the due date. If there is foreign currency in the account, it will be converted at the current exchange rate, and the payment will be completed in TL.

In this case, the block is unblocked. The procedure is carried out within two days on average after you make the request at a branch.

We only inform our customers about the status of credit cards being rejected, not the reason for the rejection.

The minimum payment rate for card statements is 100%. This means that our clients must pay the full amount of the statement debt.

• Kuveyt Turk Mobile
• Kuveyt Turk Internet Branch
• Kuveyt Turk Customer Contact Center
• You can change the number of installments via SMS by sending "Installment (space) Last four digits of your Card Number (space) The number of installments you want" to 2848.
   

Cash advance withdrawals are charged a fee of 1% of the cash advance amount with a maximum limit of 3 TL.

Kuveyt Türk does not charge you any commission fees or costs for debit cards.

You can set your password via Kuveyt Türk Mobile, Customer Contact Center (444 0 123), or IVR.

You should inform Kuveyt Türk Customer Contact Center at 444 0 123 as soon as possible in such cases. Your card will be canceled upon your request and a renewal order will be issued.

It is not yet possible to make transactions abroad with Troy cards.

You can shop on websites with 3D Secure or GO Secure Pay infrastructure.

• Turkish citizens and residents
  • Turkish identity card, driver's license or passport
  • Proof of address (certificate of residence/utility bill from the last three months/document issued by a public institution)
• Foreign nationals and residents
  • Passport or residence permit
  • Foreign identification number
  • Proof of address (certificate of residence/utility bill from the last three months)
     

• Money transfers
• Checkbook transactions
• Credit and credit card payments
• Donations, dues, rent payments
• Invoice and SSI premium payments
• Check and promissory note collections
• Foreign exchange and precious metal transactions
• Forward money transfers, regular payment orders
• Foreign currency and gold trade instructions
   

Gold Account is a drawing account allowing you to make savings in gold. You can withdraw physical gold in grams at Kuveyt Türk branches.

The minimum transaction limit for Gold Accounts is 0,01 grams.

You can settle your Personal Finance product early at any time. For detailed information on early settlement, you can contact Kuveyt Türk Customer Contact Center or our branches.

You can apply for housing finance through Kuveyt Türk branches. A copy of the real estate title deed to be purchased (residence, workplace, land, etc.) and your income statement are required during the application. 

The financing rates according to the appraisal value of the real estate to be purchased are as follows:

• Up to 90% for housing with a Class A energy certificate
• Up to 80% for housing with a Class B energy certificate
• Up to 50% for business premises and land

The maximum maturity for housing financing is 120 months, while the maximum maturity for workplace and land financing is 60 months.
 

You can apply for Car Financing through Kuveyt Türk Mobile or our branches. You may apply for financing through our website if you are not a Kuveyt Turk member. A copy of the car's registration copy or proforma invoice and income certificate are required for the application.
The sales value for new vehicles and the insurance value for second-hand vehicles are considered when applying the maximum amount limitation in Car Financing.
You can visit our page for detailed information on maximum financing rates, maturity restrictions, and other issues.
 

The financing covers up to 80% of the appraisal value of the house to be purchased.

Anyone who wants to own a house and a vehicle and has the ability to make regular payments can benefit from the relevant financing.

The 2nd hand Car Financing supports vehicles up to 10 years old. You can use financing with a maximum installment of 48 months for 0-5 year old vehicles and a maximum installment of 36 months for 6-10 year old vehicles.

You can use the İhtiyaç Card with a maximum maturity of 34 months, as it has a two-month grace period. The upper term for other General Purpose Financing is 36 months.

A down payment of 0.5% of the financing value is charged as an allocation fee. Click here for detailed information on the profit rate of General Purpose Financing.

You cannot make Swift transactions from the Mobile Branch, but EFT transactions can be made between Kuveyt Türk accounts.

A filter is applied to prevent too much information about your accounts from being viewed.

You can delete your secret word from the Change Secret Word section under the Settings menu on the Online Banking page.

Your secret word is requested for the security of your account details when making money transfers.

It is a 6-character word formed for security at first login to the Online Branch. It is a security process that requires two characters only during a transaction at the Online and Mobile Branch.

You can change your password from the Change Password section under the Settings menu on the Online Banking page. If you do not remember your password, you can change your password by calling Kuveyt Türk Call Center at 444 0 123.

A password and customer number are sufficient to benefit from the services we offer within the scope of Internet Banking.
As an individual customer, you can get your password via the "Instant Password & Forgot Password" menu on Kuveyt Türk Mobile and Internet Branch. You can also call Kuveyt Türk Customer Contact Center at 444 0 123 to get a password.
Our corporate customers can get their Internet banking passwords from our branches. The username is determined at the branch.

You can log in from the Internet Branch menu at the top right corner of our website by selecting Retail or Corporate options. 
Individual customers can log into the Internet Branch by entering their customer number and password. Corporate customers can benefit from Internet Branch advantages by entering a username in addition to this information.

Kuveyt Türk Mobile and Internet Branch passwords consist of 6 digits, and ATM passwords consist of 4 digits. The same password is used for Kuveyt Türk Mobile and Internet Branch passwords.
You can create a new password from the Change Password option under the Settings menu in Kuveyt Türk Mobile and Internet Branch. If you do not remember your password, you can change your password from the Forgot Password/Instant Password section in Kuveyt Türk Mobile and Internet Branch or by calling Kuveyt Türk Customer Contact Center at 444 0 123.

If both phone lines are registered in your information, you can get support from your branch to change your primary number.

You can use the Settings -> Unblock SIM menu in Kuveyt Türk Mobile or Internet Branch to unblock your SIM.

You can carry out your trade transactions from the Foreign Exchange/Precious Metals menu in Kuveyt Türk Mobile and Internet Branch. You can make money transfer and EFT transactions from the Money Transfer menu. However, you need to know the IBAN or account number of the recipient in order to make this transaction.

You can easily make your money transfers and payments through Registered Transactions.

You can open a new account of any type from the Open Account section in the My Accounts menu.

You can transfer money in Dollars, Euros, or TRY via Kuveyt Türk Mobile and Internet Branch.

• Visit the Money Transfers section under the All Transactions menu for TRY and select "To Account" or "To IBAN."
• Visit the Money Transfers section under the All Transactions menu for foreign currency and choose the "Swift Code" or "To IBAN" options.
• Our Syrian clients can only make domestic money transfers in TRY.

There is no specific limit for all transfers. However, if the default limit is insufficient, you can request an increase via Kuveyt Türk Mobile.

You can pay your bills via Kuveyt Türk Mobile and Internet Branch. Visit the Payments menu and use the Bill Payment section to pay your invoices from contracted institutions.

You can give an automatic payment order via Kuveyt Türk Mobile and Internet Branch. For this purpose, you can enter the Payments menu and create an automatic payment order for your invoices belonging to contracted institutions.

You can make international money transfers from the Foreign Currency Transfer (SWIFT) section under the Money Transfers menu in Kuveyt Türk Mobile and Internet Branch.

No commission is charged when making a foreign currency transfer from Kuveyt Türk Participation Bank to another bank or account.

As an individual customer, you can access your joint accounts by logging into Kuveyt Türk Mobile or Internet Branch.

You can transfer the money received through MoneyGram once you visit your branch and confirm the transaction. International money transfer flow is applicable for Syrian refugees.

EFT transactions are free of charge The commission fee for Swift transactions differs based on the amount sent. The commission fee for foreign currency transfers made from the Online Branch is minimum 15 USD and maximum 250 USD. The commission is 1/1000th of the total.

You can withdraw money from your account when you are abroad. However, if you have foreign currency in your account, you must first convert the foreign currency into TRY and transfer it to your TRY main account. Then you can withdraw the amount you need from the ATM in the currency of the country you are in. A commission fee of 1.5%+TRY 3 is charged for this transaction.

You can receive money from abroad. Only transactions for Syrian nationals are subject to the approval of the intermediary bank.

You can transfer money overseas from your account. Since the transactions of Syrian citizens are subject to the approval of the intermediary bank, they cannot send money overseas in any foreign currency. In Turkey, they can only make foreign currency transfers between Kuveyt Türk accounts and EFT to banks other than Kuveyt Türk only in TRY.

You can send money from Turkey to another country only if the recipient also has an account with our bank.

Swift code (KTEFTRIS), BIC code (205) and IBAN are needed for the transaction in question.

You can make EFT transactions free of charge. In Swift transactions, on the other hand, the commission rate varies according to the amount. A minimum fee of USD 23 and a maximum fee of USD 385 is charged for foreign currency transfers you make on the Internet Branch. The commission rate is 1/1000 of the transaction amount.

• KT Bank AG, operating in Germany and the Eurozone, is a subsidiary of Kuveyt Türk.
• Our customers can transfer funds to their accounts at KT Bank AG by clicking Money Transfer -> Foreign Currency Transfer -> KT Bank AG Money Transfer steps from Kuveyt Türk Mobile Branch. 
• In addition to benefiting from discounted rates when sending money to Germany, you will not pay any correspondent bank charges as long as you choose SHA (Share) as the cost type. 
• In addition, you can transfer money from your account at KT Bank AG to your accounts in Kuveyt Türk within minutes at very affordable prices.
• I received money in my name from MoneyGram. How can I transfer the money to my account?
• You can transfer the money to your account by visiting your branch and confirming the transaction. For Syrian citizens, the international money transfer flow applies.
   

Since POS devices and services use your main TRY account for purchases, you cannot make a transaction regardless of the balance in your Foreign Exchange Account. In order to solve this issue, you can transfer money from your Foreign Exchange Account to your TRY Current Account.

After the shopping, the relevant sum is kept in the provision and converted to TRY for transfer. Since the exchange rate differences cannot be predicted in advance, a block is placed on the shopping amount. If there is an excess amount remaining other than the exchange rate difference, it is refunded to the customer's checking account.