{"id":37870,"date":"2026-10-16T20:48:55","date_gmt":"2026-10-16T17:48:55","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=37870"},"modified":"2026-10-16T20:49:01","modified_gmt":"2026-10-16T17:49:01","slug":"eft-ve-havale-ucreti","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/","title":{"rendered":"EFT ve Havale \u00dccretleri 2026: 16 Ekim G\u00fcncel Banka Masraflar\u0131"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Son kontrol: 16 Ekim 2026.<\/strong> T\u00fcrkiye&#8217;de <strong>EFT ve havale \u00fccreti<\/strong>, g\u00f6nderilen tutara, kullan\u0131lan kanala ve bankan\u0131n m\u00fc\u015fteri paketine g\u00f6re de\u011fi\u015fiyor. 2026 y\u0131l\u0131nda bireysel m\u00fc\u015fterilerin mobil veya internet bankac\u0131l\u0131\u011f\u0131ndan yapt\u0131\u011f\u0131 standart EFT i\u015flemlerinde \u00fc\u00e7 ayr\u0131 \u00fccret dilimi uygulan\u0131yor. <strong>8.300 TL&#8217;ye kadar EFT&#8217;nin azami i\u015flem \u00fccreti 7,97 TL (BSMV hari\u00e7), 8,37 TL (\u00f6rnek %5 BSMV dahil)<\/strong>. Bu tutarlar her bankan\u0131n mutlaka tahsil edece\u011fi \u00fccretler de\u011fil, mevzuattaki \u00fcst s\u0131n\u0131rlard\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu rehberde 16 Ekim 2026 itibar\u0131yla ge\u00e7erli azami EFT, FAST ve havale tarifelerini; ATM ve \u015fube farklar\u0131n\u0131; \u00fccretsiz transfer sunan bankalar\u0131n do\u011frulanm\u0131\u015f ko\u015fullar\u0131n\u0131; <strong>2024\u20132026 y\u0131llar\u0131 aras\u0131ndaki nominal \u00fccret art\u0131\u015flar\u0131n\u0131<\/strong> ve yurt d\u0131\u015f\u0131 para transferlerini kar\u015f\u0131la\u015ft\u0131r\u0131yoruz.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Hizli_Ozet_EFT_ve_Havale_Ucretleri_16_Ekim_2026\" >H\u0131zl\u0131 \u00d6zet: EFT ve Havale \u00dccretleri 16 Ekim 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#2026_EFT_FAST_ve_Havale_Ucretleri_Ne_Kadar\" >2026 EFT, FAST ve Havale \u00dccretleri Ne Kadar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#ATM_ve_Subeden_EFT_ve_Havale_Ucretleri_2026\" >ATM ve \u015eubeden EFT ve Havale \u00dccretleri 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#FAST_Limiti_ve_FAST_Ucreti_2026_Guncel_300000_TL_Siniri\" >FAST Limiti ve FAST \u00dccreti 2026: G\u00fcncel 300.000 TL S\u0131n\u0131r\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Yillara_Gore_EFT_Ucretleri_2024_2025_ve_2026_Karsilastirmasi\" >Y\u0131llara G\u00f6re EFT \u00dccretleri: 2024, 2025 ve 2026 Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Yillara_Gore_Havale_Ucretleri_ve_Yillik_Artis_Oranlari\" >Y\u0131llara G\u00f6re Havale \u00dccretleri ve Y\u0131ll\u0131k Art\u0131\u015f Oranlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#5000_TL_10000_TL_ve_100000_TL_EFT_Ucreti_Ne_Kadar\" >5.000 TL, 10.000 TL ve 100.000 TL EFT \u00dccreti Ne Kadar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#EFT_FAST_ve_Havale_Ucreti_Almayan_Bankalar_2026\" >EFT, FAST ve Havale \u00dccreti Almayan Bankalar 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Uluslararasi_Para_Transferi_SWIFT_Ucretleri_2026\" >Uluslararas\u0131 Para Transferi (SWIFT) \u00dccretleri 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Banka_Arsiv_Arastirma_ve_Dekont_Ucretleri_2026\" >Banka Ar\u015fiv Ara\u015ft\u0131rma ve Dekont \u00dccretleri 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#EFT_ve_Havale_Masrafi_Nasil_Azaltilir\" >EFT ve Havale Masraf\u0131 Nas\u0131l Azalt\u0131l\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Editor_Yorumu_16_Ekim_2026da_EFT_ve_Havale_Ucretlerinde_Son_Durum\" >Edit\u00f6r Yorumu: 16 Ekim 2026&#8217;da EFT ve Havale \u00dccretlerinde Son Durum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#EFT_ve_Havale_Ucretleri_Hakkinda_Sikca_Sorulan_Sorular\" >EFT ve Havale \u00dccretleri Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/#Arastirma_Yontemi_ve_Guncelleme_Notu\" >Ara\u015ft\u0131rma Y\u00f6ntemi ve G\u00fcncelleme Notu<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hizli_Ozet_EFT_ve_Havale_Ucretleri_16_Ekim_2026\"><\/span>H\u0131zl\u0131 \u00d6zet: EFT ve Havale \u00dccretleri 16 Ekim 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>G\u00f6sterge<\/th><th>16 Ekim 2026 bilgisi<\/th><\/tr><\/thead><tbody><tr><td>Mobil\/internet EFT, 8.300 TL ve alt\u0131<\/td><td>7,97 TL + BSMV (yakla\u015f\u0131k 8,37 TL)<\/td><\/tr><tr><td>Mobil\/internet EFT, 8.300,01\u2013399.000 TL<\/td><td>15,96 TL + BSMV (yakla\u015f\u0131k 16,76 TL)<\/td><\/tr><tr><td>Mobil\/internet EFT, 399.000 TL \u00fczeri<\/td><td>199,41 TL + BSMV (yakla\u015f\u0131k 209,38 TL)<\/td><\/tr><tr><td>Mobil\/internet havale, 8.300 TL ve alt\u0131<\/td><td>3,99 TL + BSMV (yakla\u015f\u0131k 4,19 TL)<\/td><\/tr><tr><td>FAST para transferi i\u015flem limiti<\/td><td><strong>300.000 TL \/ i\u015flem<\/strong> (26 A\u011fustos 2026&#8217;dan itibaren)<\/td><\/tr><tr><td>\u00dccretsiz transfer \u00f6rnekleri<\/td><td>Enpara, ON Dijital ve belirli CEPTETEB hesaplar\u0131<\/td><\/tr><tr><td>Y\u0131ll\u0131k tarife art\u0131\u015f\u0131<\/td><td>2025\u20132026 alt dilim EFT: <strong>yakla\u015f\u0131k %30,99<\/strong> (yuvarlanm\u0131\u015f tutarlardan hesapland\u0131)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00d6nemli:<\/strong> Tablodaki vergi dahil tutarlar, standart %5 BSMV varsay\u0131m\u0131yla ve kuru\u015f yuvarlamas\u0131yla hesaplanm\u0131\u015f \u00f6rneklerdir. Bankan\u0131n i\u015flem onay ekran\u0131nda g\u00f6sterdi\u011fi toplam tutar esas al\u0131nmal\u0131d\u0131r. \u00dccretler bireysel m\u00fc\u015fterilerin TL para transferlerine y\u00f6neliktir; ticari m\u00fc\u015fteriler, kredi kart\u0131ndan para g\u00f6nderimi ve d\u00f6viz transferleri farkl\u0131 kurallara tabi olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026_EFT_FAST_ve_Havale_Ucretleri_Ne_Kadar\"><\/span>2026 EFT, FAST ve Havale \u00dccretleri Ne Kadar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-1049x590.webp\" alt=\"Banka Transfer U\u0308cretleri\" class=\"wp-image-62392\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/2026-Banka-Transfer-Ucretleri.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Banka Transfer U\u0308cretleri<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131n\u0131n (TCMB) bireysel finansal t\u00fcketicilere y\u00f6nelik d\u00fczenlemesinde 2026 EFT \u00fccretlerinin \u00fcst s\u0131n\u0131r\u0131, transfer tutar\u0131na ve i\u015flem kanal\u0131na g\u00f6re belirleniyor. FAST g\u00f6nderimi de ayn\u0131 azami \u00fccret kurallar\u0131na tabi. <strong>FAST&#8217;\u0131n sistem limitini a\u015fan tutarlar FAST ile g\u00f6nderilemez; bunlar i\u00e7in bankan\u0131n uygun EFT kanal\u0131 kullan\u0131lmal\u0131d\u0131r.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mobil ve \u0130nternet Bankac\u0131l\u0131\u011f\u0131 EFT \u00dccretleri 2026<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>G\u00f6nderilen tutar<\/th><th>Azami EFT\/FAST \u00fccreti (BSMV hari\u00e7)<\/th><th>%5 BSMV dahil yakla\u015f\u0131k toplam<\/th><\/tr><\/thead><tbody><tr><td>8.300 TL ve alt\u0131<\/td><td><strong>7,97 TL<\/strong><\/td><td><strong>8,37 TL<\/strong><\/td><\/tr><tr><td>8.300,01\u2013399.000 TL<\/td><td><strong>15,96 TL<\/strong><\/td><td><strong>16,76 TL<\/strong><\/td><\/tr><tr><td>399.000 TL \u00fczeri<\/td><td><strong>199,41 TL<\/strong><\/td><td><strong>209,38 TL<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Tablodaki 199,41 TL&#8217;lik son kademe <strong>EFT i\u00e7in<\/strong> ge\u00e7erlidir. FAST sisteminde 16 Ekim 2026 itibar\u0131yla i\u015flem ba\u015f\u0131na 300.000 TL s\u0131n\u0131r\u0131 bulundu\u011fundan 399.000 TL \u00fczerindeki bir transfer FAST ile yap\u0131lamaz. Ayr\u0131ca bankalar\u0131n \u00fccretsiz kampanyalar\u0131 veya daha d\u00fc\u015f\u00fck tarifeleri bulunabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mobil ve \u0130nternet Bankac\u0131l\u0131\u011f\u0131 Havale \u00dccretleri 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Havale, ayn\u0131 bankadaki hesaplar aras\u0131nda ger\u00e7ekle\u015ftirilen para transferidir. Mevzuattaki havale azami \u00fccreti, e\u015fde\u011fer EFT \u00fccretinin yar\u0131s\u0131 d\u00fczeyindedir. 2026 tarifesinde yuvarlamaya ba\u011fl\u0131 k\u00fc\u00e7\u00fck kuru\u015f farkl\u0131l\u0131klar\u0131 g\u00f6r\u00fclebilir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>G\u00f6nderilen tutar<\/th><th>Azami havale \u00fccreti (BSMV hari\u00e7)<\/th><th>%5 BSMV dahil yakla\u015f\u0131k toplam<\/th><\/tr><\/thead><tbody><tr><td>8.300 TL ve alt\u0131<\/td><td><strong>3,99 TL<\/strong><\/td><td><strong>4,19 TL<\/strong><\/td><\/tr><tr><td>8.300,01\u2013399.000 TL<\/td><td><strong>7,98 TL<\/strong><\/td><td><strong>8,38 TL<\/strong><\/td><\/tr><tr><td>399.000 TL \u00fczeri<\/td><td><strong>99,71 TL<\/strong><\/td><td><strong>104,70 TL<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tablo \u00fccretsiz havale uygulayan bankalar\u0131n da mutlaka \u00fccret ald\u0131\u011f\u0131 anlam\u0131na gelmez. Bankan\u0131n kendi hesaplar\u0131n\u0131z aras\u0131ndaki virman i\u015flemi, ba\u015fka bir ki\u015fiye havale ve \u00f6zel kart i\u015flemleri ayn\u0131 \u00fccret t\u00fcr\u00fc olmayabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ATM_ve_Subeden_EFT_ve_Havale_Ucretleri_2026\"><\/span>ATM ve \u015eubeden EFT ve Havale \u00dccretleri 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mobil uygulama d\u0131\u015f\u0131ndaki kanallarda azami transfer \u00fccreti daha y\u00fcksektir. A\u015fa\u011f\u0131daki tutarlar <strong>BSMV hari\u00e7<\/strong> azami s\u0131n\u0131rlard\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\u0130\u015flem ve kanal<\/th><th>8.300 TL ve alt\u0131<\/th><th>8.300,01\u2013399.000 TL<\/th><th>399.000 TL \u00fczeri<\/th><\/tr><\/thead><tbody><tr><td>EFT \u2013 mobil\/internet\/d\u00fczenli talimat<\/td><td>7,97 TL<\/td><td>15,96 TL<\/td><td>199,41 TL<\/td><\/tr><tr><td>EFT \u2013 ATM\/kiosk<\/td><td>27,84 TL<\/td><td>55,69 TL<\/td><td>398,83 TL<\/td><\/tr><tr><td>EFT \u2013 \u015fube\/di\u011fer kanallar<\/td><td>39,87 TL<\/td><td>79,76 TL<\/td><td>797,68 TL<\/td><\/tr><tr><td>Havale \u2013 mobil\/internet\/d\u00fczenli talimat<\/td><td>3,99 TL<\/td><td>7,98 TL<\/td><td>99,71 TL<\/td><\/tr><tr><td>Havale \u2013 ATM\/kiosk<\/td><td>13,92 TL<\/td><td>27,85 TL<\/td><td>199,42 TL<\/td><\/tr><tr><td>Havale \u2013 \u015fube\/di\u011fer kanallar<\/td><td>19,94 TL<\/td><td>39,88 TL<\/td><td>398,84 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-1049x590.webp\" alt=\"ATM ve \u015eubeden EFT ve Havale \u00dccretleri\" class=\"wp-image-62393\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/ATM-ve-Subeden-EFT-ve-Havale-Ucretleri.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">ATM ve \u015eubeden EFT ve Havale \u00dccretleri<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin 5.000 TL&#8217;yi ba\u015fka bankaya \u015fubeden g\u00f6nderirken azami i\u015flem \u00fccreti 39,87 TL + BSMV olabilir; ayn\u0131 tutar\u0131n mobil EFT \u00fcst s\u0131n\u0131r\u0131 7,97 TL + BSMV&#8217;dir. <strong>\u0130\u015flem \u00f6ncesinde bankan\u0131n uygulad\u0131\u011f\u0131 fiil\u00ee \u00fccret ve m\u00fc\u015fteri muafiyeti kontrol edilmelidir.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">D\u00fczenli EFT ve Havale Talimat\u0131 \u00dccretli mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">TCMB kurallar\u0131na g\u00f6re d\u00fczenli \u00f6demeyle yap\u0131lan EFT ve havale i\u015flemleri, talimat\u0131n verildi\u011fi kanaldan ba\u011f\u0131ms\u0131z olarak mobil\/internet i\u015flem tarifesine g\u00f6re \u00fccretlendirilir. Baz\u0131 banka ve m\u00fc\u015fteri paketlerinde d\u00fczenli transferler de \u00fccretsiz olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAST_Limiti_ve_FAST_Ucreti_2026_Guncel_300000_TL_Siniri\"><\/span>FAST Limiti ve FAST \u00dccreti 2026: G\u00fcncel 300.000 TL S\u0131n\u0131r\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FAST, farkl\u0131 bankalar aras\u0131nda <strong>7 g\u00fcn 24 saat<\/strong> anl\u0131k T\u00fcrk liras\u0131 transferi yapmaya yarayan TCMB \u00f6deme sistemidir. TCMB&#8217;nin 24 A\u011fustos 2026 tarihli a\u00e7\u0131klamas\u0131na g\u00f6re i\u015flem limiti <strong>26 A\u011fustos 2026&#8217;da 100.000 TL&#8217;den 300.000 TL&#8217;ye \u00e7\u0131kar\u0131ld\u0131<\/strong>. Ayn\u0131 g\u00fcncelleme, FAST-TR Karekod ile dinamik do\u011frulamal\u0131 i\u015f yeri \u00f6demeleri ve \u00d6deme \u0130ste kapsam\u0131ndaki ilgili s\u0131n\u0131rlar\u0131 da 300.000 TL olarak belirledi.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>D\u00f6nem<\/th><th>FAST ki\u015fi\/hesap para transferi limiti<\/th><th>A\u00e7\u0131klama<\/th><\/tr><\/thead><tbody><tr><td>4 Nisan 2024\u201325 A\u011fustos 2026<\/td><td>100.000 TL<\/td><td>\u00d6nceki TCMB sistem limiti<\/td><\/tr><tr><td><strong>26 A\u011fustos 2026\u201316 Ekim 2026<\/strong><\/td><td><strong>300.000 TL<\/strong><\/td><td>G\u00fcncel TCMB sistem limiti<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>FAST gece ve hafta sonu ek \u00fccretli mi?<\/strong> Gece veya hafta sonu olmas\u0131, yasal EFT\/FAST \u00fcst s\u0131n\u0131r\u0131na otomatik bir y\u00fczde 50 eklenmesi anlam\u0131na gelmez. Bankan\u0131n i\u015flem ekran\u0131nda g\u00f6sterdi\u011fi \u00fccret, y\u00fcr\u00fcrl\u00fckteki azami s\u0131n\u0131r ve m\u00fc\u015fteri ko\u015fullar\u0131 i\u00e7inde de\u011ferlendirilmelidir. G\u00fcnl\u00fck banka g\u00f6nderim limitleri, TCMB&#8217;nin i\u015flem ba\u015f\u0131na FAST limitinden ayr\u0131ca d\u00fc\u015f\u00fck olabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">EFT, FAST ve Havale Aras\u0131ndaki Farklar<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\u00d6zellik<\/th><th>EFT<\/th><th>FAST<\/th><th>Havale<\/th><\/tr><\/thead><tbody><tr><td>Al\u0131c\u0131 hesap<\/td><td>Ba\u015fka bankada<\/td><td>Ba\u015fka bankada<\/td><td>Ayn\u0131 bankada<\/td><\/tr><tr><td>\u0130\u015flem zaman\u0131<\/td><td>Bankan\u0131n EFT \u00e7al\u0131\u015fma saatleri<\/td><td>7\/24<\/td><td>Genellikle 7\/24<\/td><\/tr><tr><td>16 Ekim 2026 sistem s\u0131n\u0131r\u0131<\/td><td>Banka ve EFT kanal\u0131n\u0131n limitlerine ba\u011fl\u0131<\/td><td>300.000 TL \/ i\u015flem<\/td><td>Bankan\u0131n limitlerine ba\u011fl\u0131<\/td><\/tr><tr><td>\u00dccret<\/td><td>\u0130\u015flem tutar\u0131 ve kanala g\u00f6re<\/td><td>EFT \u00fcst s\u0131n\u0131r\u0131na tabi<\/td><td>EFT&#8217;nin azami \u00fccretinin yar\u0131s\u0131 esas\u0131na tabi<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yillara_Gore_EFT_Ucretleri_2024_2025_ve_2026_Karsilastirmasi\"><\/span>Y\u0131llara G\u00f6re EFT \u00dccretleri: 2024, 2025 ve 2026 Kar\u015f\u0131la\u015ft\u0131rmas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki rakamlar <strong>mobil\/internet kanal\u0131 i\u00e7in ayn\u0131 \u00fccret kademelerinin d\u00f6nemsel \u00fcst s\u0131n\u0131rlar\u0131n\u0131<\/strong>, kar\u015f\u0131la\u015ft\u0131rma kolayl\u0131\u011f\u0131 sa\u011flamak amac\u0131yla yakla\u015f\u0131k <strong>%5 BSMV dahil<\/strong> bi\u00e7imde g\u00f6stermektedir. Bunlar bankalar\u0131n ortalama tahsilatlar\u0131 de\u011fildir. Her y\u0131l\u0131n kademe e\u015fikleri de\u011fi\u015fti\u011fi i\u00e7in tablo sabit bir para miktar\u0131na uygulanm\u0131\u015f \u00fccret serisi olarak yorumlanmamal\u0131d\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Y\u0131l<\/th><th>Birinci kademe EFT<\/th><th>\u0130kinci kademe EFT<\/th><th>\u00dc\u00e7\u00fcnc\u00fc kademe EFT<\/th><th>Kademe e\u015fikleri<\/th><\/tr><\/thead><tbody><tr><td><strong>2024<\/strong><\/td><td>4,43 TL<\/td><td>8,86 TL<\/td><td>110,80 TL<\/td><td>4.300 TL \/ 211.100 TL<\/td><\/tr><tr><td><strong>2025<\/strong><\/td><td>6,39 TL<\/td><td>12,79 TL<\/td><td>159,97 TL<\/td><td>6.300 TL \/ 304.800 TL<\/td><\/tr><tr><td><strong>2026<\/strong><\/td><td><strong>8,37 TL<\/strong><\/td><td><strong>16,76 TL<\/strong><\/td><td><strong>209,38 TL<\/strong><\/td><td><strong>8.300 TL \/ 399.000 TL<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">2024 de\u011ferleri ilgili y\u0131l\u0131n banka \u00fccret duyurusundaki BSMV hari\u00e7 tutarlardan vergi eklenerek ve kuru\u015fa yuvarlanarak; 2025\u20132026 kar\u015f\u0131la\u015ft\u0131rmalar\u0131 ise d\u00f6nemin yay\u0131mlanm\u0131\u015f \u00fccretlerinden al\u0131nm\u0131\u015ft\u0131r. 2026 i\u00e7in TCMB ve bankalar\u0131n <strong>BSMV hari\u00e7 7,97 \/ 15,96 \/ 199,41 TL<\/strong> tarifesi ayr\u0131ca do\u011frulanm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Y\u0131llara G\u00f6re EFT \u00dccret Art\u0131\u015f Oranlar\u0131<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Kar\u015f\u0131la\u015ft\u0131rma<\/th><th>Birinci kademe art\u0131\u015f\u0131<\/th><th>\u0130kinci kademe art\u0131\u015f\u0131<\/th><th>\u00dc\u00e7\u00fcnc\u00fc kademe art\u0131\u015f\u0131<\/th><\/tr><\/thead><tbody><tr><td>2024 \u2192 2025<\/td><td>%44,24<\/td><td>%44,36<\/td><td>%44,38<\/td><\/tr><tr><td>2025 \u2192 2026<\/td><td><strong>%30,99<\/strong><\/td><td><strong>%31,04<\/strong><\/td><td><strong>%30,89<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hesaplama: <code>(Yeni y\u0131l \u00fccreti \/ \u00d6nceki y\u0131l \u00fccreti \u2212 1) \u00d7 100<\/code>. Y\u00fczdeler tabloda verilen yuvarlanm\u0131\u015f nominal \u00fccretlerden t\u00fcretilmi\u015ftir. <strong>Enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f reel art\u0131\u015f<\/strong> ve b\u00fct\u00fcn bankalar\u0131n uygulad\u0131\u011f\u0131 ortalama \u00fccret de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Y\u0131llara G\u00f6re EFT \u00dccret Dilimleri Neden De\u011fi\u015fiyor?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mobil EFT&#8217;nin ilk dilim e\u015fi\u011fi 2024&#8217;te 4.300 TL, 2025&#8217;te 6.300 TL, 2026&#8217;da 8.300 TL oldu. Ayn\u0131 y\u0131llarda ikinci ve \u00fc\u00e7\u00fcnc\u00fc dilimi ay\u0131ran tutar 211.100 TL&#8217;den 304.800 TL&#8217;ye, ard\u0131ndan 399.000 TL&#8217;ye y\u00fckseldi. Bu nedenle bir transferin <strong>yaln\u0131zca tutar\u0131 ayn\u0131 olsa bile<\/strong> farkl\u0131 y\u0131llarda farkl\u0131 \u00fccret dilimine d\u00fc\u015fmesi m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yillara_Gore_Havale_Ucretleri_ve_Yillik_Artis_Oranlari\"><\/span>Y\u0131llara G\u00f6re Havale \u00dccretleri ve Y\u0131ll\u0131k Art\u0131\u015f Oranlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Havale \u00fccretleri EFT \u00fcst s\u0131n\u0131r\u0131n\u0131n yar\u0131s\u0131 esas\u0131na g\u00f6re hesaplan\u0131yor. Tarihsel havale kar\u015f\u0131la\u015ft\u0131rmas\u0131nda vergi dahil yakla\u015f\u0131k tutarlar yerine <strong>bankalar\u0131n ar\u015fiv \u00fccret tablolar\u0131nda yer alan BSMV hari\u00e7 mobil\/internet tutarlar\u0131n\u0131<\/strong> kulland\u0131k. B\u00f6ylece vergi ve kuru\u015f yuvarlamas\u0131 kar\u015f\u0131la\u015ft\u0131rmay\u0131 etkilemiyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Y\u0131l<\/th><th>Birinci kademe havale<\/th><th>\u0130kinci kademe havale<\/th><th>\u00dc\u00e7\u00fcnc\u00fc kademe havale<\/th><\/tr><\/thead><tbody><tr><td><strong>2024<\/strong><\/td><td>2,11 TL<\/td><td>4,22 TL<\/td><td>52,76 TL<\/td><\/tr><tr><td><strong>2025<\/strong><\/td><td>3,04 TL<\/td><td>6,09 TL<\/td><td>76,17 TL<\/td><\/tr><tr><td><strong>2026<\/strong><\/td><td><strong>3,99 TL<\/strong><\/td><td><strong>7,98 TL<\/strong><\/td><td><strong>99,71 TL<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Havale \u00dccreti Y\u0131llara G\u00f6re Y\u00fczde Ka\u00e7 Artt\u0131?<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>D\u00f6nem<\/th><th>Birinci kademe<\/th><th>\u0130kinci kademe<\/th><th>\u00dc\u00e7\u00fcnc\u00fc kademe<\/th><\/tr><\/thead><tbody><tr><td>2024 \u2192 2025<\/td><td>%44,08<\/td><td>%44,31<\/td><td>%44,37<\/td><\/tr><tr><td>2025 \u2192 2026<\/td><td><strong>%31,25<\/strong><\/td><td><strong>%31,03<\/strong><\/td><td><strong>%30,90<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Art\u0131\u015flar nominaldir ve yuvarlanm\u0131\u015f <strong>BSMV hari\u00e7<\/strong> \u00fccretlerden hesaplanm\u0131\u015ft\u0131r. Her y\u0131l\u0131n havale kademe s\u0131n\u0131rlar\u0131, yukar\u0131daki EFT tablosuyla ayn\u0131 tutar basamaklar\u0131d\u0131r. Bankalar\u0131n daha d\u00fc\u015f\u00fck \u00fccret ve \u00fccretsiz havale se\u00e7enekleri bu kar\u015f\u0131la\u015ft\u0131rman\u0131n d\u0131\u015f\u0131nda kal\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5000_TL_10000_TL_ve_100000_TL_EFT_Ucreti_Ne_Kadar\"><\/span>5.000 TL, 10.000 TL ve 100.000 TL EFT \u00dccreti Ne Kadar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mobil\/internet kanal\u0131 \u00fczerinden <strong>azami BSMV hari\u00e7<\/strong> \u00fccret kullan\u0131larak haz\u0131rlanan \u00f6rnekler:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>G\u00f6nderilen tutar<\/th><th>2026 azami EFT \u00fccreti<\/th><th>%5 BSMV dahil yakla\u015f\u0131k \u00fccret<\/th><\/tr><\/thead><tbody><tr><td>5.000 TL<\/td><td>7,97 TL<\/td><td>8,37 TL<\/td><\/tr><tr><td>10.000 TL<\/td><td>15,96 TL<\/td><td>16,76 TL<\/td><\/tr><tr><td>50.000 TL<\/td><td>15,96 TL<\/td><td>16,76 TL<\/td><\/tr><tr><td>100.000 TL<\/td><td>15,96 TL<\/td><td>16,76 TL<\/td><\/tr><tr><td>250.000 TL<\/td><td>15,96 TL<\/td><td>16,76 TL<\/td><\/tr><tr><td>300.000 TL<\/td><td>15,96 TL<\/td><td>16,76 TL<\/td><\/tr><tr><td>400.000 TL<\/td><td>199,41 TL<\/td><td>209,38 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">300.000 TL, FAST sisteminin 16 Ekim 2026 tarihindeki <strong>i\u015flem ba\u015f\u0131na \u00fcst s\u0131n\u0131r\u0131d\u0131r<\/strong>. 400.000 TL FAST ile tek seferde g\u00f6nderilemez. Ayn\u0131 g\u00fcn ayn\u0131 g\u00f6nderici ile al\u0131c\u0131 aras\u0131ndaki ayr\u0131 transferlerin toplam\u0131, TCMB uygulama talimat\u0131ndaki ko\u015fullar uyar\u0131nca \u00fccret kademesinin belirlenmesinde dikkate al\u0131nabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EFT_FAST_ve_Havale_Ucreti_Almayan_Bankalar_2026\"><\/span>EFT, FAST ve Havale \u00dccreti Almayan Bankalar 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 bankalar azami \u00fccreti tahsil etmez; \u00f6zellikle dijital hesaplardan \u00fccretsiz TL para transferi yap\u0131labilir. A\u015fa\u011f\u0131daki \u00f6rneklerde <strong>16 Ekim 2026&#8217;da bankalar\u0131n eri\u015filebilir resm\u00ee a\u00e7\u0131klamalar\u0131nda do\u011frulanabilen<\/strong> ko\u015fullara yer verildi.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Banka \/ \u00fcr\u00fcn<\/th><th>EFT<\/th><th>FAST<\/th><th>Havale<\/th><th>Ko\u015ful<\/th><\/tr><\/thead><tbody><tr><td><strong>Enpara<\/strong><\/td><td>\u00dccretsiz<\/td><td>\u00dccretsiz<\/td><td>\u00dccretsiz<\/td><td>TL para transferleri; \u00fcr\u00fcn\u00fcn i\u015flem limitleri ge\u00e7erli<\/td><\/tr><tr><td><strong>ON Dijital<\/strong><\/td><td>\u00dccretsiz<\/td><td>\u00dccretsiz<\/td><td>\u00dccretsiz<\/td><td>ON Dijital kanallar\u0131ndaki TL transferleri<\/td><\/tr><tr><td><strong>CEPTETEB<\/strong><\/td><td>\u00dccretsiz<\/td><td>\u00dccretsiz<\/td><td>\u00dccretsiz<\/td><td>CEPTETEB Hesap ve CEPTETEB Marifetli Hesap \u00fczerinden belirtilen dijital transferler<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Uyar\u0131:<\/strong> \u00dccretsiz ko\u015fulu otomatik olarak ayn\u0131 bankan\u0131n t\u00fcm \u015fubelerine, b\u00fct\u00fcn kredi kartlar\u0131na, ticari hesaplara veya SWIFT i\u015flemlerine uygulanmaz. Di\u011fer bankalarda maa\u015f m\u00fc\u015fterisi, \u00f6zel paket veya kampanya kapsam\u0131nda \u00fccretsiz i\u015flem sunulabilir; resm\u00ee ve g\u00fcncel ko\u015fullar\u0131 ayn\u0131 kapsamda do\u011frulanamayan bankalar tabloya kesin &#8216;\u00fccretsiz&#8217; diye eklenmedi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Havale \u00dccreti Almayan Bankalar<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dccretsiz havale arayan kullan\u0131c\u0131lar i\u00e7in yukar\u0131daki \u00fc\u00e7 dijital \u00fcr\u00fcn, resm\u00ee kaynakla do\u011frulanm\u0131\u015f se\u00e7eneklerdir. Ayr\u0131ca ayn\u0131 bankadaki <strong>kendi hesaplar\u0131n\u0131z aras\u0131 para aktarma (virman)<\/strong> ile ba\u015fka bir m\u00fc\u015fteriye havale ayn\u0131 i\u015flem de\u011fildir. TCMB d\u00fczenlemesinde kendi kredi kart\u0131na yap\u0131lan havaleden ve hesab\u0131n bulundu\u011fu \u015fubeden t\u00fcketici ad\u0131na yap\u0131lan belirli para yat\u0131rma\/kasadan havale i\u015flemlerinden \u00fccret al\u0131namayaca\u011f\u0131 da belirtilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Uluslararasi_Para_Transferi_SWIFT_Ucretleri_2026\"><\/span>Uluslararas\u0131 Para Transferi (SWIFT) \u00dccretleri 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">EFT, FAST ve yurt i\u00e7i havale azami \u00fccret tablolar\u0131 <strong>SWIFT g\u00f6nderim \u00fccretlerini g\u00f6stermez<\/strong>. SWIFT ile ba\u015fka \u00fclkeye para g\u00f6nderirken bankan\u0131n komisyonu, mesajla\u015fma masraf\u0131, arac\u0131\/muhabir banka kesintisi ve d\u00f6viz d\u00f6n\u00fc\u015f\u00fcm fark\u0131 toplam maliyeti etkileyebilir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Maliyet kalemi<\/th><th>Ne anlama gelir?<\/th><\/tr><\/thead><tbody><tr><td>G\u00f6nderen banka \u00fccreti<\/td><td>Transfer i\u015flemine ili\u015fkin sabit veya oransal \u00fccret<\/td><\/tr><tr><td>Muhabir\/arac\u0131 banka gideri<\/td><td>Transfer zincirindeki di\u011fer bankalar\u0131n kesintileri<\/td><\/tr><tr><td>Al\u0131c\u0131 banka \u00fccreti<\/td><td>Baz\u0131 bankalarda gelen d\u00f6viz transferi \u00fccreti<\/td><\/tr><tr><td>Kur fark\u0131<\/td><td>TL ile d\u00f6viz aras\u0131ndaki veya iki para birimi aras\u0131ndaki d\u00f6n\u00fc\u015f\u00fcm marj\u0131<\/td><\/tr><tr><td>Masraf payla\u015f\u0131m\u0131<\/td><td>SHA \/ OUR \/ BEN se\u00e7ene\u011fine g\u00f6re \u00fccretlerin kim taraf\u0131ndan kar\u015f\u0131land\u0131\u011f\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Uluslararas\u0131 transferlerde bankaya ve d\u00f6viz cinsine g\u00f6re de\u011fi\u015fen farkl\u0131 tarifeler bulundu\u011fu i\u00e7in bu yaz\u0131da b\u00fct\u00fcn bankalar i\u00e7in ge\u00e7erli <strong>tek bir SWIFT fiyat\u0131<\/strong> verilmemektedir. G\u00f6nderim \u00f6ncesinde al\u0131c\u0131n\u0131n net eline ge\u00e7ecek tutar\u0131 ve tahmini masraflar\u0131 kontrol edin. Di\u011fer para transferi tarifeleri i\u00e7in Karekod Blog&#8217;daki <a href=\"https:\/\/www.karekod.org\/blog\/2026-havale-ucretleri\/\">2026 havale \u00fccretleri kar\u015f\u0131la\u015ft\u0131rmas\u0131na<\/a> g\u00f6z atabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banka_Arsiv_Arastirma_ve_Dekont_Ucretleri_2026\"><\/span>Banka Ar\u015fiv Ara\u015ft\u0131rma ve Dekont \u00dccretleri 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7mi\u015f transfer dekontlar\u0131n\u0131n yeniden \u00e7\u0131kar\u0131lmas\u0131, standart EFT veya havale i\u015fleminden ayr\u0131 bir hizmettir. \u00d6zellikle fiziki ya da sistemsel ar\u015fiv taramas\u0131 gerektiren talepler bankan\u0131n ilan etti\u011fi tarifeye g\u00f6re \u00fccretlendirilebilir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Talep t\u00fcr\u00fc<\/th><th>\u00dccretlendirme hakk\u0131nda do\u011fru yakla\u015f\u0131m<\/th><\/tr><\/thead><tbody><tr><td>Mobil bankac\u0131l\u0131ktan mevcut dekontu indirme<\/td><td>Kullan\u0131labiliyorsa uygulama \u00fczerinden kontrol edin; \u00f6zel ar\u015fiv \u00fccreti varsaymay\u0131n<\/td><\/tr><tr><td>Geriye d\u00f6n\u00fck ilk bir y\u0131ll\u0131k anl\u0131k hesap \u00f6zeti<\/td><td>TCMB talimat\u0131nda belirli mevduat ara\u015ft\u0131rmas\u0131 kapsam\u0131ndaki talepler i\u00e7in \u00fccret al\u0131namayaca\u011f\u0131 belirtilir<\/td><\/tr><tr><td>Daha eski veya \u00f6zel ar\u015fiv ara\u015ft\u0131rmas\u0131<\/td><td>Hizmet ve kanal baz\u0131nda bankan\u0131n ilan etti\u011fi \u00fccret ge\u00e7erli olabilir<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle &#8216;son bir y\u0131l\u0131n b\u00fct\u00fcn ar\u015fiv i\u015flemleri her durumda \u00fccretsizdir&#8217; demek do\u011fru de\u011fildir. \u00dccret, <strong>talep edilen belgenin t\u00fcr\u00fcne ve hizmete<\/strong> ba\u011fl\u0131 olarak de\u011ferlendirilmelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EFT_ve_Havale_Masrafi_Nasil_Azaltilir\"><\/span>EFT ve Havale Masraf\u0131 Nas\u0131l Azalt\u0131l\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Mobil veya internet bankac\u0131l\u0131\u011f\u0131n\u0131 tercih edin.<\/strong> Azami tarifede \u015fube i\u015flemleri daha pahal\u0131d\u0131r.<\/li>\n\n\n\n<li><strong>\u00dccretsiz dijital hesaplar\u0131 kontrol edin.<\/strong> Bankan\u0131n genel tarifesi ile se\u00e7ti\u011finiz hesap t\u00fcr\u00fcn\u00fcn kampanyas\u0131 farkl\u0131 olabilir.<\/li>\n\n\n\n<li><strong>FAST limitini dikkate al\u0131n.<\/strong> 300.000 TL \u00fczerindeki tek seferlik transferler i\u00e7in alternatif EFT kanal\u0131n\u0131 ve i\u015flem saatlerini kontrol edin.<\/li>\n\n\n\n<li><strong>Vergi dahil toplam\u0131 inceleyin.<\/strong> \u00dccret duyurusundaki BSMV hari\u00e7 tutar\u0131 toplam masraf sanmay\u0131n.<\/li>\n\n\n\n<li><strong>G\u00fcnl\u00fck ve m\u00fc\u015fteri bazl\u0131 limitleri kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/strong> Sistem limiti ile bankan\u0131n size tan\u0131mlad\u0131\u011f\u0131 limit farkl\u0131 olabilir.<\/li>\n\n\n\n<li><strong>Yan \u00fcr\u00fcn masraflar\u0131n\u0131 da hesaba kat\u0131n.<\/strong> <a href=\"https:\/\/www.karekod.org\/blog\/kredi-karti-aidatlari\/\">Kredi kart\u0131 aidatlar\u0131<\/a>, <a href=\"https:\/\/www.karekod.org\/blog\/atm-para-cekme-limiti-2026-guncel-veriler\/\">ATM para \u00e7ekme limitleri<\/a> ve <a href=\"https:\/\/www.karekod.org\/blog\/en-yuksek-faiz-banka\/\">bankalar\u0131n g\u00fcncel faiz oranlar\u0131<\/a> hesap se\u00e7erken toplam maliyeti etkileyebilir.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Editor_Yorumu_16_Ekim_2026da_EFT_ve_Havale_Ucretlerinde_Son_Durum\"><\/span>Edit\u00f6r Yorumu: 16 Ekim 2026&#8217;da EFT ve Havale \u00dccretlerinde Son Durum<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">16 Ekim 2026 itibar\u0131yla bireysel mobil EFT&#8217;de <strong>BSMV hari\u00e7 azami \u00fccretler 7,97 TL, 15,96 TL ve 199,41 TL<\/strong> olarak \u00fc\u00e7 kademeye ayr\u0131l\u0131yor. Ayn\u0131 kanal i\u00e7in havale \u00fcst s\u0131n\u0131rlar\u0131 <strong>3,99 TL, 7,98 TL ve 99,71 TL<\/strong> d\u00fczeyinde. 2026&#8217;n\u0131n en \u00f6nemli de\u011fi\u015fikliklerinden biri, FAST transfer limitinin 26 A\u011fustos itibar\u0131yla <strong>300.000 TL&#8217;ye y\u00fckselmesi<\/strong> oldu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7mi\u015f y\u0131llarla kar\u015f\u0131la\u015ft\u0131rmada \u00fccretlerde nominal art\u0131\u015f g\u00f6r\u00fclse de \u00fccretsiz dijital hesaplar \u00f6nemli bir alternatif olmaya devam ediyor. Kullan\u0131c\u0131 i\u00e7in belirleyici rakam, i\u015flem onay ekran\u0131nda g\u00f6sterilen <strong>vergi dahil toplam \u00fccret<\/strong> ve bankan\u0131n kendi hesap ko\u015fullar\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EFT_ve_Havale_Ucretleri_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>EFT ve Havale \u00dccretleri Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-1\"><strong class=\"schema-faq-question\">2026 y\u0131l\u0131nda EFT \u00fccreti ne kadar?<\/strong> <p class=\"schema-faq-answer\">Mobil veya internet EFT i\u00e7in 8.300 TL ve alt\u0131ndaki i\u015flemlerde azami 7,97 TL, 8.300,01\u2013399.000 TL aral\u0131\u011f\u0131nda 15,96 TL, 399.000 TL \u00fczerindeki i\u015flemlerde 199,41 TL \u00fccret al\u0131nabilir. Bu tutarlara BSMV eklenir; baz\u0131 bankalar daha az \u00fccret al\u0131r veya \u00fccretsiz transfer sunar.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-2\"><strong class=\"schema-faq-question\">EFT \u00fccreti 8,37 TL mi, 7,97 TL mi?<\/strong> <p class=\"schema-faq-answer\">\u0130ki ifade farkl\u0131 vergi esaslar\u0131n\u0131 g\u00f6sterir. 7,97 TL BSMV hari\u00e7 azami alt kademe EFT \u00fccreti, yakla\u015f\u0131k 8,37 TL ise y\u00fczde 5 BSMV eklenmi\u015f toplamd\u0131r.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-3\"><strong class=\"schema-faq-question\">2026 havale \u00fccreti ka\u00e7 TL?<\/strong> <p class=\"schema-faq-answer\">Mobil ve internet kanallar\u0131nda azami havale \u00fccretleri tutara g\u00f6re BSMV hari\u00e7 3,99 TL, 7,98 TL veya 99,71 TL olabilir. \u00dccretsiz hesap veya m\u00fc\u015fteri paketlerinde \u00fccret al\u0131nmayabilir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-4\"><strong class=\"schema-faq-question\">FAST limiti 16 Ekim 2026 tarihinde ne kadar?<\/strong> <p class=\"schema-faq-answer\">TCMB, 26 A\u011fustos 2026 tarihinde FAST para transferi i\u015flem ba\u015f\u0131 limitini 300.000 TL\u2019ye y\u00fckseltti. Bankalar\u0131n ayr\u0131ca daha d\u00fc\u015f\u00fck m\u00fc\u015fteri ve g\u00fcnl\u00fck limitleri olabilir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-5\"><strong class=\"schema-faq-question\">FAST hafta sonu ve gece \u00fccretli mi?<\/strong> <p class=\"schema-faq-answer\">FAST 7\/24 \u00e7al\u0131\u015f\u0131r. Gece veya hafta sonu i\u015flemlerinde otomatik y\u00fczde 50 ek \u00fccret uygulanmas\u0131 genel bir kural de\u011fildir. Bankan\u0131n i\u015flem \u00f6ncesi g\u00f6sterdi\u011fi toplam \u00fccreti kontrol edin.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-6\"><strong class=\"schema-faq-question\">EFT, FAST ve havale aras\u0131ndaki fark nedir?<\/strong> <p class=\"schema-faq-answer\">EFT farkl\u0131 bankalar aras\u0131nda ve bankalar\u0131n EFT saatlerinde; FAST farkl\u0131 bankalar aras\u0131nda g\u00fcn\u00fcn her saati ve sistem tutar limitiyle; havale ise ayn\u0131 bankadaki hesaplar aras\u0131nda yap\u0131l\u0131r.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-7\"><strong class=\"schema-faq-question\">2026 y\u0131l\u0131nda \u00fccretsiz EFT ve FAST sunan bankalar hangileri?<\/strong> <p class=\"schema-faq-answer\">Enpara ve ON Dijital resm\u00ee a\u00e7\u0131klamalar\u0131nda TL transferlerini \u00fccretsiz sundu\u011funu belirtiyor. CEPTETEB Hesap ve CEPTETEB Marifetli Hesap \u00fczerinden belirli dijital EFT, FAST ve havaleler de \u00fccretsizdir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-8\"><strong class=\"schema-faq-question\">100.000 TL EFT \u00fccreti ne kadar?<\/strong> <p class=\"schema-faq-answer\">Mobil veya internet bankac\u0131l\u0131\u011f\u0131yla 100.000 TL EFT\u2019nin azami i\u015flem \u00fccreti 2026 tarifesinde BSMV hari\u00e7 15,96 TL, y\u00fczde 5 BSMV dahil yakla\u015f\u0131k 16,76 TL\u2019dir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-9\"><strong class=\"schema-faq-question\">EFT iptal veya iade edildi\u011finde yeniden masraf kesilir mi?<\/strong> <p class=\"schema-faq-answer\">TCMB d\u00fczenlemesi, t\u00fcketicinin hatas\u0131 nedeniyle yap\u0131lan belirli EFT iade i\u015flemlerinde Merkez Bankas\u0131na \u00f6denen masraflar d\u0131\u015f\u0131nda \u00fccret al\u0131nmas\u0131na s\u0131n\u0131rlamalar getiriyor. \u0130\u015flemin t\u00fcr\u00fcne g\u00f6re bankadan ayr\u0131nt\u0131 isteyin.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-eft-havale-2026-10\"><strong class=\"schema-faq-question\">Yurt d\u0131\u015f\u0131na SWIFT ile para g\u00f6nderme \u00fccreti ne kadar?<\/strong> <p class=\"schema-faq-answer\">Tek bir sabit tarife yoktur. Banka, para birimi, tutar, g\u00f6nderim kanal\u0131, masraf payla\u015f\u0131m\u0131 ve arac\u0131 bankalara g\u00f6re toplam maliyet de\u011fi\u015fir.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Arastirma_Yontemi_ve_Guncelleme_Notu\"><\/span>Ara\u015ft\u0131rma Y\u00f6ntemi ve G\u00fcncelleme Notu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ara\u015ft\u0131rma tarihi:<\/strong> 16 Ekim 2026. Bireysel TL fon transferleri i\u00e7in TCMB&#8217;nin 2026 uygulama talimat\u0131; Akbank, Alternatif Bank, Garanti BBVA ve TEB&#8217;nin yay\u0131mlanm\u0131\u015f \u00fccret tablolar\u0131; Enpara ve ON Dijital&#8217;in \u00fcr\u00fcn a\u00e7\u0131klamalar\u0131 ile TCMB&#8217;nin 2026 FAST limit duyurusu kar\u015f\u0131la\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r. Tarihsel tablo 2024, 2025 ve 2026 y\u0131llar\u0131ndaki <strong>nominal, d\u00f6nemsel \u00fccret dilimlerini<\/strong> g\u00f6sterir. Genel bir banka ortalamas\u0131 veya reel\/enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f fiyat serisi de\u011fildir. Ticari bankac\u0131l\u0131k, nakit avans, d\u00f6viz havalesi ve m\u00fc\u015fteri s\u00f6zle\u015fmesine \u00f6zg\u00fc \u00fccretler bu tablolara dahil de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kaynaklar<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>TCMB \u2013 Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin Uygulama Talimat\u0131<\/li>\n\n\n\n<li>TCMB \u2013 FAST Limitinin 300.000 TL&#8217;ye Y\u00fckseltilmesi (24 A\u011fustos 2026)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Son kontrol: 16 Ekim 2026. T\u00fcrkiye&#8217;de EFT ve havale \u00fccreti, g\u00f6nderilen tutara, kullan\u0131lan kanala ve bankan\u0131n m\u00fc\u015fteri paketine g\u00f6re de\u011fi\u015fiyor. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958,53],"tags":[],"class_list":["post-37870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-haberler"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EFT ve Havale \u00dccretleri 2026 \u2013 G\u00fcncel FAST Tarifesi<\/title>\n<meta name=\"description\" content=\"2026 EFT ve havale \u00fccreti ne kadar? 16 Ekim g\u00fcncel EFT, FAST ve havale masraflar\u0131, \u00fccretsiz bankalar ve y\u0131llara g\u00f6re \u00fccretler.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EFT ve Havale \u00dccretleri 2026 \u2013 G\u00fcncel FAST Tarifesi\" \/>\n<meta property=\"og:description\" content=\"2026 EFT ve havale \u00fccreti ne kadar? 16 Ekim g\u00fcncel EFT, FAST ve havale masraflar\u0131, \u00fccretsiz bankalar ve y\u0131llara g\u00f6re \u00fccretler.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/\" \/>\n<meta property=\"og:site_name\" content=\"Karekod Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/KarekodBlog\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/mentor.perplexed\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-16T17:48:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-16T17:49:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/EFT-ve-Havale-Ucretleri.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Muharrem Emino\u011flu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MentorPerplexed\" \/>\n<meta name=\"twitter:site\" content=\"@karekodblog\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Muharrem Emino\u011flu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 dakika\" \/>\n<script type=\"application\/ld+json\" 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Bu tutarlara BSMV eklenir; baz\u0131 bankalar daha az \u00fccret al\u0131r veya \u00fccretsiz transfer sunar.\",\"inLanguage\":\"tr\"},\"inLanguage\":\"tr\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-2\",\"position\":2,\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-2\",\"name\":\"EFT \u00fccreti 8,37 TL mi, 7,97 TL mi?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u0130ki ifade farkl\u0131 vergi esaslar\u0131n\u0131 g\u00f6sterir. 7,97 TL BSMV hari\u00e7 azami alt kademe EFT \u00fccreti, yakla\u015f\u0131k 8,37 TL ise y\u00fczde 5 BSMV eklenmi\u015f toplamd\u0131r.\",\"inLanguage\":\"tr\"},\"inLanguage\":\"tr\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-3\",\"position\":3,\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-3\",\"name\":\"2026 havale \u00fccreti ka\u00e7 TL?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Mobil ve internet kanallar\u0131nda azami havale \u00fccretleri tutara g\u00f6re BSMV hari\u00e7 3,99 TL, 7,98 TL veya 99,71 TL olabilir. \u00dccretsiz hesap veya m\u00fc\u015fteri paketlerinde \u00fccret al\u0131nmayabilir.\",\"inLanguage\":\"tr\"},\"inLanguage\":\"tr\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-4\",\"position\":4,\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-4\",\"name\":\"FAST limiti 16 Ekim 2026 tarihinde ne kadar?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"TCMB, 26 A\u011fustos 2026 tarihinde FAST para transferi i\u015flem ba\u015f\u0131 limitini 300.000 TL\u2019ye y\u00fckseltti. Bankalar\u0131n ayr\u0131ca daha d\u00fc\u015f\u00fck m\u00fc\u015fteri ve g\u00fcnl\u00fck limitleri olabilir.\",\"inLanguage\":\"tr\"},\"inLanguage\":\"tr\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-5\",\"position\":5,\"url\":\"https:\\\/\\\/www.karekod.org\\\/blog\\\/eft-ve-havale-ucreti\\\/#faq-eft-havale-2026-5\",\"name\":\"FAST hafta sonu ve gece \u00fccretli mi?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"FAST 7\\\/24 \u00e7al\u0131\u015f\u0131r. Gece veya hafta sonu i\u015flemlerinde otomatik y\u00fczde 50 ek \u00fccret uygulanmas\u0131 genel bir kural de\u011fildir. 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