{"id":51281,"date":"2026-10-15T22:29:49","date_gmt":"2026-10-15T19:29:49","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=51281"},"modified":"2026-10-29T18:53:31","modified_gmt":"2026-10-29T15:53:31","slug":"2026-havale-ucretleri","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/2026-havale-ucretleri\/","title":{"rendered":"2026 Havale \u00dccretleri: T\u00fcm Bankalar\u0131n EFT, FAST ve SWIFT Masraflar\u0131 (Ekim)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>2026 havale \u00fccretleri<\/strong>, bankaya ve para transferi kanal\u0131na g\u00f6re de\u011fi\u015fiyor. 15 Ekim 2026 itibar\u0131yla mobil ve internet bankac\u0131l\u0131\u011f\u0131ndan ger\u00e7ekle\u015ftirilen EFT, havale ve FAST i\u015flemlerinde Merkez Bankas\u0131 taraf\u0131ndan belirlenen azami \u00fccretler ge\u00e7erli.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu rehber, <strong>35 mevduat bankas\u0131, 10 kat\u0131l\u0131m bankas\u0131, 21 kalk\u0131nma ve yat\u0131r\u0131m bankas\u0131 ile TMSF y\u00f6netimindeki Birle\u015fik Fon Bankas\u0131<\/strong> dahil olmak \u00fczere BDDK listesinde yer alan b\u00fct\u00fcn banka gruplar\u0131n\u0131 kapsar. Bireysel standart i\u015flem tarifesi yay\u0131mlanmayan kurumlar i\u00e7in \u00fccret tahmin edilmemi\u015ftir. Rakamlar\u0131n temel referans tarihi <strong>15 Ekim 2026<\/strong> olup ayr\u0131nt\u0131l\u0131 banka kar\u015f\u0131la\u015ft\u0131rmas\u0131nda eri\u015filebilen 3 Ekim 2026 tarihli TBB \u00fccret ilan\u0131 derlemesi de kullan\u0131lm\u0131\u015ft\u0131r.<\/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\/2026-havale-ucretleri\/#Hizli_Ozet_2026_Havale_Ucretleri\" >H\u0131zl\u0131 \u00d6zet: 2026 Havale \u00dccretleri<\/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\/2026-havale-ucretleri\/#EFT_FAST_ve_Havale_Ucretleri_2026_TCMB_Azami_Tarife\" >EFT, FAST ve Havale \u00dccretleri 2026 (TCMB Azami Tarife)<\/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\/2026-havale-ucretleri\/#2026_Havale_Ucretleri_Tum_Mevduat_Bankalari\" >2026 Havale \u00dccretleri: T\u00fcm Mevduat Bankalar\u0131<\/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\/2026-havale-ucretleri\/#Katilim_Bankalari_Havale_EFT_ve_FAST_Ucretleri_2026\" >Kat\u0131l\u0131m Bankalar\u0131 Havale, EFT ve FAST \u00dccretleri 2026<\/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\/2026-havale-ucretleri\/#Ucretsiz_EFT_Havale_ve_FAST_Sunan_Bankalar\" >\u00dccretsiz EFT, Havale ve FAST Sunan Bankalar<\/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\/2026-havale-ucretleri\/#Yillara_Gore_EFT_Ucretleri_2017%E2%80%932026\" >Y\u0131llara G\u00f6re EFT \u00dccretleri (2017\u20132026)<\/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\/2026-havale-ucretleri\/#FAST_Ucreti_2026_724_Para_Gonderme_Limiti\" >FAST \u00dccreti 2026: 7\/24 Para G\u00f6nderme Limiti<\/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\/2026-havale-ucretleri\/#Yurt_Disi_Havale_ve_SWIFT_Ucretleri_2026\" >Yurt D\u0131\u015f\u0131 Havale ve SWIFT \u00dccretleri 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\/2026-havale-ucretleri\/#Diger_21_Kalkinma_ve_Yatirim_Bankasi\" >Di\u011fer 21 Kalk\u0131nma ve Yat\u0131r\u0131m Bankas\u0131<\/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\/2026-havale-ucretleri\/#Duzenli_Havale_Talimatli_EFT_ve_Sube_Islemleri\" >D\u00fczenli Havale, Talimatl\u0131 EFT ve \u015eube \u0130\u015flemleri<\/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\/2026-havale-ucretleri\/#Havale_ve_EFT_Ucreti_Odememek_Icin_Ne_Yapilabilir\" >Havale ve EFT \u00dccreti \u00d6dememek \u0130\u00e7in Ne Yap\u0131labilir?<\/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\/2026-havale-ucretleri\/#2026_Havale_Ucretleri_Hakkinda_Sikca_Sorulan_Sorular\" >2026 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-13\" href=\"https:\/\/www.karekod.org\/blog\/2026-havale-ucretleri\/#Karekod_Blog_Arastirma_Notu\" >Karekod Blog Ara\u015ft\u0131rma Notu<\/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\/2026-havale-ucretleri\/#Kaynaklar\" >Kaynaklar<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hizli_Ozet_2026_Havale_Ucretleri\"><\/span>H\u0131zl\u0131 \u00d6zet: 2026 Havale \u00dccretleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mobil EFT ve FAST:<\/strong> 8.300 TL ve alt\u0131na 7,97 TL; 8.300,01\u2013399.000 TL aras\u0131na 15,96 TL; 399.000 TL \u00fczerindeki i\u015flemlere 199,41 TL azami \u00fccret.<\/li>\n\n\n\n<li><strong>Mobil havale:<\/strong> Ayn\u0131 dilimlerde s\u0131ras\u0131yla 3,99 TL, 7,98 TL ve 99,71 TL azami \u00fccret.<\/li>\n\n\n\n<li><strong>\u00dccretsiz bankac\u0131l\u0131k:<\/strong> Enpara, ING, Hayat Finans, ON Dijital, CEPTETEB hesaplar\u0131 ve belirli ba\u015fka banka \u00fcr\u00fcnlerinde \u00fccretsiz se\u00e7enekler var.<\/li>\n\n\n\n<li><strong>FAST i\u015flem limiti:<\/strong> 26 A\u011fustos 2026\u2019dan itibaren tek i\u015flemde 300.000 TL.<\/li>\n\n\n\n<li><strong>Vergi:<\/strong> TCMB azami \u00fccretleri BSMV hari\u00e7 a\u00e7\u0131klan\u0131r; bankan\u0131n g\u00f6sterdi\u011fi fiil\u00ee toplam farkl\u0131 olabilir.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EFT_FAST_ve_Havale_Ucretleri_2026_TCMB_Azami_Tarife\"><\/span>EFT, FAST ve Havale \u00dccretleri 2026 (TCMB Azami Tarife)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki rakamlar bireysel finansal t\u00fcketiciler i\u00e7in <strong>azami \u00fccretlerdir<\/strong>; bankalar\u0131n tamam\u0131n\u0131n bu tutar\u0131 tahsil etti\u011fi anlam\u0131na gelmez. 6 Ocak 2026 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren \u00fccret dilimleri esas al\u0131nm\u0131\u015ft\u0131r. Havale \u00fcst s\u0131n\u0131r\u0131, ayn\u0131 kanal ve tutar grubundaki EFT \u00fcst s\u0131n\u0131r\u0131n\u0131n yar\u0131s\u0131d\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u0130\u015flem tutar\u0131<\/th><th>Mobil\/\u0130nternet EFT ve FAST<\/th><th>Mobil\/\u0130nternet Havale<\/th><th>ATM\/Kiosk EFT<\/th><th>\u015eube\/Di\u011fer Kanal EFT<\/th><\/tr><\/thead><tbody><tr><td>0\u20138.300 TL<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>27,84 TL<\/td><td>39,87 TL<\/td><\/tr><tr><td>8.300,01\u2013399.000 TL<\/td><td>15,96 TL<\/td><td>7,98 TL<\/td><td>55,69 TL<\/td><td>79,76 TL<\/td><\/tr><tr><td>399.000 TL \u00fczeri<\/td><td>199,41 TL<\/td><td>99,71 TL<\/td><td>398,83 TL<\/td><td>797,68 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tablo notu:<\/strong> B\u00fct\u00fcn \u00fccretler BSMV hari\u00e7tir ve yasal \u00fcst s\u0131n\u0131rd\u0131r. \u015eube ve ATM kanallar\u0131ndaki havale i\u00e7in de ayn\u0131 kanal\u0131n EFT \u00fccretinin yar\u0131s\u0131 kural\u0131 uygulan\u0131r. G\u00f6nderenin s\u00f6zle\u015fmesi, \u00fccretsiz hakk\u0131 ve kampanya ko\u015fullar\u0131 ge\u00e7erli olmaya devam eder.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026_Havale_Ucretleri_Tum_Mevduat_Bankalari\"><\/span>2026 Havale \u00dccretleri: T\u00fcm Mevduat Bankalar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki tabloda T\u00fcrkiye\u2019de faaliyet g\u00f6steren <strong>35 mevduat bankas\u0131n\u0131n tamam\u0131<\/strong> listelenmi\u015ftir. \u00dccretli sat\u0131rlarda kar\u015f\u0131la\u015ft\u0131rma i\u015flemi, bireysel m\u00fc\u015fterinin mobil uygulamadan <strong>5.000 TL g\u00f6ndermesi<\/strong> esas\u0131na dayan\u0131r. TBB \u00fccret ilanlar\u0131ndan derlenen 3 Ekim 2026 kay\u0131tlar\u0131, 15 Ekim 2026 tarihli incelemede resm\u00ee banka sayfalar\u0131yla birlikte de\u011ferlendirilmi\u015ftir. Tarife bulunamamas\u0131, bankan\u0131n hi\u00e7 para transferi yapmad\u0131\u011f\u0131n\u0131 g\u00f6stermez.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Banka<\/th><th>5.000 TL mobil EFT\/FAST<\/th><th>5.000 TL mobil havale<\/th><th>A\u00e7\u0131klama<\/th><\/tr><\/thead><tbody><tr><td>Akbank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife; kampanya veya m\u00fc\u015fteri ayr\u0131cal\u0131\u011f\u0131 de\u011fi\u015febilir<\/td><\/tr><tr><td>Alternatif Bank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Anadolubank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Arap T\u00fcrk Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>Bank of China Turkey<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>Burgan Bank \/ ON Dijital<\/td><td>7,97 TL\u2019ye kadar \/ ON: 0 TL<\/td><td>3,99 TL\u2019ye kadar \/ ON: 0 TL<\/td><td>ON Dijital m\u00fc\u015fterilerinde EFT, FAST ve havale \u00fccretsiz<\/td><\/tr><tr><td>Citibank<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>Colendi Bank<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Mobil EFT, FAST ve havale 31.12.2026 tarihine kadar \u00fccretsiz<\/td><\/tr><tr><td>DenizBank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Deutsche Bank<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>Enpara Bank<\/td><td>0 TL<\/td><td>0 TL<\/td><td>TL para transferleri \u00fccretsiz<\/td><\/tr><tr><td>Fibabanka<\/td><td>7,84 TL<\/td><td>0 TL<\/td><td>TBB \u00fccret ilan\u0131 derlemesinde EFT i\u00e7in BSMV dahil tutar<\/td><\/tr><tr><td>Freedom Bank<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>FUPS Bank<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Herkese uygulanabilir mobil \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Hepsi Bank<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>HSBC<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>ICBC Turkey<\/td><td>0 TL<\/td><td>0 TL<\/td><td>TBB bireysel \u00fccret ilanlar\u0131n\u0131n Ekim derlemesine g\u00f6re<\/td><\/tr><tr><td>ING<\/td><td>0 TL<\/td><td>0 TL<\/td><td>ING dijital kanallar\u0131 i\u00e7in \u00fccretsiz<\/td><\/tr><tr><td>Intesa Sanpaolo \u0130stanbul \u015eubesi<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>JPMorgan Chase \u0130stanbul \u015eubesi<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>MUFG Bank Turkey<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>Odeabank<\/td><td>6,09 TL \/ ko\u015fullu 0 TL<\/td><td>3,04 TL \/ ko\u015fullu 0 TL<\/td><td>TBB ilan\u0131nda eski e\u015fik; Bank\u2019O ile belirli bakiye ko\u015fulunda \u00fccretsiz<\/td><\/tr><tr><td>QNB<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Enpara hesab\u0131 QNB\u2019den farkl\u0131 de\u011ferlendirilir<\/td><\/tr><tr><td>Soci\u00e9t\u00e9 G\u00e9n\u00e9rale \u0130stanbul \u015eubesi<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>\u015eekerbank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Ziraat Bankas\u0131<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Turkland Bank (T-Bank)<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>TEB \/ CEPTETEB<\/td><td>7,97 TL \/ CEPTETEB: 0 TL<\/td><td>3,99 TL \/ CEPTETEB: 0 TL<\/td><td>\u00dccretsiz hak CEPTETEB hesaplar\u0131ndan dijital i\u015flemlere ait<\/td><\/tr><tr><td>T\u00fcrk Ticaret Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Bireysel standart mobil \u00fccret ilan\u0131 do\u011frulanamad\u0131<\/td><\/tr><tr><td>Garanti BBVA<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Halkbank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>\u0130\u015f Bankas\u0131<\/td><td>7,97 TL\u2019ye kadar<\/td><td>3,99 TL\u2019ye kadar<\/td><td>Tarife\/m\u00fc\u015fteri segmenti ve i\u015flem ko\u015fullar\u0131 kontrol edilmeli<\/td><\/tr><tr><td>Vak\u0131fBank<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Yap\u0131 Kredi<\/td><td>7,97 TL<\/td><td>3,99 TL<\/td><td>Standart mobil tarife<\/td><\/tr><tr><td>Ziraat Dinamik Banka<\/td><td>7,97 TL\u2019ye kadar<\/td><td>3,99 TL\u2019ye kadar<\/td><td>Bankan\u0131n duyurdu\u011fu mobil azami tutarlar; fiil\u00ee \u00fccret farkl\u0131 olabilir<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"417\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-417x590.webp\" alt=\"Bankalar\u0131n Havale \u00dccretleri\" class=\"wp-image-62352\" style=\"aspect-ratio:0.706790613909635;width:713px;height:auto\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-417x590.webp 417w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-360x509.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-1087x1536.webp 1087w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-730x1032.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-350x495.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri-1100x1555.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Havale-Ucretleri.webp 1200w\" sizes=\"(max-width: 417px) 100vw, 417px\" \/><figcaption class=\"wp-element-caption\">Havale \u00dccretleri<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kar\u015f\u0131la\u015ft\u0131rma notu:<\/strong> TBB ilanlar\u0131nda BSMV hari\u00e7 \u00fccretler ile BSMV dahil tarifeler bir arada bulunur. Fibabanka sat\u0131r\u0131ndaki 7,84 TL, derlemede BSMV dahil ilan edilen rakamd\u0131r; di\u011fer bir\u00e7ok bankan\u0131n 7,97 TL ilan\u0131 BSMV hari\u00e7tir. \u0130\u015flemde uygulanan kesin \u00fccret mobil uygulaman\u0131n onay ekran\u0131nda g\u00f6r\u00fcl\u00fcr. ON, CEPTETEB ve benzeri alt markalar\u0131n \u00fccretsiz haklar\u0131, ana bankan\u0131n standart hesab\u0131na otomatik olarak uygulanmaz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Katilim_Bankalari_Havale_EFT_ve_FAST_Ucretleri_2026\"><\/span>Kat\u0131l\u0131m Bankalar\u0131 Havale, EFT ve FAST \u00dccretleri 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m bankalar\u0131 i\u00e7in de bireysel para transferlerinde ilgili TCMB azami \u00fccret kurallar\u0131 ge\u00e7erlidir. Baz\u0131 kat\u0131l\u0131m bankalar\u0131 dijital hesaplar\u0131 i\u00e7in \u00fccretsiz transfer sunarken t\u00fcm \u00fcr\u00fcnler ve kanallar ayn\u0131 \u015fekilde de\u011ferlendirilmemelidir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kat\u0131l\u0131m bankas\u0131<\/th><th>5.000 TL mobil EFT\/FAST<\/th><th>5.000 TL mobil havale<\/th><th>A\u00e7\u0131klama<\/th><\/tr><\/thead><tbody><tr><td>Adil Kat\u0131l\u0131m Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Standart bireysel mobil tarife teyit edilmeli<\/td><\/tr><tr><td>Albaraka T\u00fcrk<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Bireysel mobil \u00fccret ilan\u0131 derlemesinde \u00fccretsiz<\/td><\/tr><tr><td>D\u00fcnya Kat\u0131l\u0131m Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>\u0130lgili \u00fcr\u00fcn ve kanal\u0131n tarifesi teyit edilmeli<\/td><\/tr><tr><td>Hayat Finans<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Banka resm\u00ee masrafs\u0131z bankac\u0131l\u0131k tarifesi<\/td><\/tr><tr><td>Kuveyt T\u00fcrk<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Masrafs\u0131z bankac\u0131l\u0131k kapsam\u0131ndaki dijital hesaplar<\/td><\/tr><tr><td>T.O.M. Kat\u0131l\u0131m Bankas\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>G\u00fcncel bireysel hesap ko\u015fullar\u0131 ve \u00fccretler teyit edilmeli<\/td><\/tr><tr><td>T\u00fcrkiye Emlak Kat\u0131l\u0131m<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Bireysel mobil \u00fccret ilan\u0131 derlemesinde \u00fccretsiz<\/td><\/tr><tr><td>T\u00fcrkiye Finans<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Mobil ve internet bankac\u0131l\u0131\u011f\u0131nda \u00fccretsiz<\/td><\/tr><tr><td>Vak\u0131f Kat\u0131l\u0131m<\/td><td>0 TL<\/td><td>0 TL<\/td><td>Bireysel mobil \u00fccret ilan\u0131 derlemesinde \u00fccretsiz<\/td><\/tr><tr><td>Ziraat Kat\u0131l\u0131m<\/td><td>Do\u011frulanamad\u0131<\/td><td>Do\u011frulanamad\u0131<\/td><td>Herkese uygulanabilir bireysel mobil \u00fccret teyit edilmeli<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Kat\u0131l\u0131m bankalar\u0131 listesi, BDDK kurulu\u015f listesinde yer alan 10 faal banka \u00fczerinden olu\u015fturulmu\u015ftur. \u0130ktisat Kat\u0131l\u0131m i\u00e7in 2026 y\u0131l\u0131nda faaliyet izni karar\u0131na ili\u015fkin duyuru bulunmas\u0131na kar\u015f\u0131n incelemede eri\u015filen kurulu\u015f listesindeki s\u0131n\u0131fland\u0131rmada yer almamas\u0131 ve g\u00fcncel bireysel transfer \u00fccretinin do\u011frulanamamas\u0131 nedeniyle kesin \u00fccret sunulmam\u0131\u015ft\u0131r. Halk Kat\u0131l\u0131m, Fuzul Kat\u0131l\u0131m ve Dost Kat\u0131l\u0131m gibi kurulu\u015f izni alan kurumlar\u0131n da bireysel transfer tarifesi, hizmet sunumu ba\u015flamadan varsay\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ucretsiz_EFT_Havale_ve_FAST_Sunan_Bankalar\"><\/span>\u00dccretsiz EFT, Havale ve FAST Sunan Bankalar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ekim 2026 itibar\u0131yla bankalar\u0131n kendi a\u00e7\u0131klamalar\u0131nda do\u011frulanabilen \u00fccretsiz se\u00e7enekler aras\u0131nda Enpara (t\u00fcm TL para transferleri), ING (dijital EFT\/havale\/FAST), ON Dijital (EFT\/havale\/FAST), CEPTETEB hesaplar\u0131 (dijital EFT\/havale\/FAST), Hayat Finans (EFT\/havale\/FAST) ve Kuveyt T\u00fcrk\u2019\u00fcn masrafs\u0131z bankac\u0131l\u0131k hesaplar\u0131 yer al\u0131yor. Colendi Bank, mobil transferlerini <strong>31 Aral\u0131k 2026\u2019ya kadar<\/strong> \u00fccretsiz duyuruyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Odeabank\u2019ta \u00fccretsiz hak, \u00fcr\u00fcn ve m\u00fc\u015fteri varl\u0131\u011f\u0131 ko\u015fullar\u0131na ba\u011fl\u0131. Bank\u2019O ko\u015fullar\u0131nda 1 A\u011fustos 2026 itibar\u0131yla en az 100.000 TL varl\u0131k bulunduran m\u00fc\u015fteriler i\u00e7in \u00fccretsiz EFT, havale ve FAST hakk\u0131 a\u00e7\u0131klan\u0131yor; Ayr\u0131cal\u0131klar D\u00fcnyas\u0131 kapsam\u0131nda farkl\u0131 segment ko\u015fullar\u0131 da bulunuyor. TEB\u2019in CEPTETEB \u00fcr\u00fcn\u00fcnde sunulan masrafs\u0131zl\u0131k, genel TEB \u00fccret tarifesinden ayr\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yillara_Gore_EFT_Ucretleri_2017%E2%80%932026\"><\/span>Y\u0131llara G\u00f6re EFT \u00dccretleri (2017\u20132026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Son 10 y\u0131ldaki EFT \u00fccretlerini kar\u015f\u0131la\u015ft\u0131r\u0131rken 3.000 TL, 10.000 TL ve 500.000 TL tutar\u0131nda \u00fc\u00e7 \u00f6rnek transfer esas al\u0131nd\u0131. B\u00f6ylece i\u015flem tutar\u0131n\u0131 sabit tutarak y\u0131llar aras\u0131ndaki de\u011fi\u015fimleri kar\u015f\u0131la\u015ft\u0131rmak m\u00fcmk\u00fcn oluyor.<\/p>\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\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-1049x590.webp\" alt=\"Y\u0131llara Go\u0308re EFT U\u0308cretleri Grafig\u0306i\" class=\"wp-image-62351\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/01\/Yillara-Gore-EFT-Ucretleri-Grafigi.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Y\u0131llara Go\u0308re EFT U\u0308cretleri Grafig\u0306i<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli: 2020 y\u0131l\u0131nda EFT \u00fccretlerine y\u00f6nelik kademeli \u00fcst s\u0131n\u0131r sistemi getirildi. 2017\u20132019 y\u0131llar\u0131nda ise bankalar\u0131n farkl\u0131 \u00fccret tarifeleri uygulamas\u0131 nedeniyle b\u00fct\u00fcn bankalar\u0131 temsil eden tek bir kar\u015f\u0131la\u015ft\u0131rma rakam\u0131 bulunmuyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Y\u0131l<\/th><th>3.000 TL EFT<\/th><th>10.000 TL EFT<\/th><th>500.000 TL EFT<\/th><th>\u00dccret Dilimleri<\/th><\/tr><tr><td>2017<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Ortak tarife yok<\/td><\/tr><tr><td>2018<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Ortak tarife yok<\/td><\/tr><tr><td>2019<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Bankaya g\u00f6re de\u011fi\u015fiyor<\/td><td>Ortak tarife yok<\/td><\/tr><tr><td>2020<\/td><td>2,00 TL<\/td><td>2,00 TL<\/td><td>25,00 TL<\/td><td>1.000 \/ 50.000 TL<\/td><\/tr><tr><td>2021<\/td><td>2,29 TL<\/td><td>2,29 TL<\/td><td>28,65 TL<\/td><td>1.000 \/ 50.000 TL<\/td><\/tr><tr><td>2022<\/td><td>3,11 TL<\/td><td>3,11 TL<\/td><td>38,98 TL<\/td><td>1.000 \/ 50.000 TL<\/td><\/tr><tr><td>2023<\/td><td>5,10 TL<\/td><td>5,10 TL<\/td><td>63,71 TL<\/td><td>1.000 \/ 50.000 TL<\/td><\/tr><tr><td>2024<\/td><td>4,22 TL<\/td><td>8,44 TL<\/td><td>105,52 TL<\/td><td>4.300 \/ 211.100 TL<\/td><\/tr><tr><td>2025<\/td><td>6,09 TL<\/td><td>12,19 TL<\/td><td>152,35 TL<\/td><td>6.300 \/ 304.800 TL<\/td><\/tr><tr><td><strong>2026<\/strong><\/td><td><strong>7,97 TL<\/strong><\/td><td><strong>15,96 TL<\/strong><\/td><td><strong>199,41 TL<\/strong><\/td><td><strong>8.300 \/ 399.000 TL<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Tablo notu:<\/em> Tutarlar mobil ve internet bankac\u0131l\u0131\u011f\u0131ndan yap\u0131lan EFT i\u015flemleri i\u00e7in BSMV hari\u00e7 de\u011ferlerdir. 2020 y\u0131l\u0131 i\u00e7in d\u00fczenleyici \u00fcst s\u0131n\u0131rlar, sonraki y\u0131llar i\u00e7in tarihli banka tarifelerinden al\u0131nan \u00f6rnek standart\/azami tutarlar kullan\u0131lm\u0131\u015ft\u0131r. 2023 sat\u0131r\u0131 24 Nisan 2023, 2026 sat\u0131r\u0131 15 Ekim 2026 d\u00f6nemini esas al\u0131r. Bankalar aras\u0131nda kuru\u015f d\u00fczeyinde farkl\u0131l\u0131klar bulunabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Son 10 Y\u0131lda EFT \u00dccretleri Nas\u0131l De\u011fi\u015fti?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2017\u20132019 d\u00f6neminde EFT \u00fccretleri bankadan bankaya \u00f6nemli farkl\u0131l\u0131klar g\u00f6steriyordu. \u00d6rne\u011fin 2018 y\u0131l\u0131nda Ziraat Bankas\u0131&#8217;n\u0131n bireysel internet EFT \u00fccreti 3 TL iken, \u0130\u015f Bankas\u0131&#8217;nda mobil ve internet \u00fczerinden ger\u00e7ekle\u015ftirilen i\u015flemler i\u00e7in 4 TL \u00fccret belirtiliyordu. 2019 y\u0131l\u0131nda Akbank&#8217;\u0131n dijital EFT \u00fccreti ise 6 TL olarak a\u00e7\u0131klanm\u0131\u015ft\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2020 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren d\u00fczenlemeyle EFT \u00fccretlerine standart \u00fcst s\u0131n\u0131rlar getirildi. Mobil bankac\u0131l\u0131ktan ger\u00e7ekle\u015ftirilen 1.000\u201350.000 TL aras\u0131ndaki i\u015flemler i\u00e7in azami \u00fccret 2 TL, 50.000 TL \u00fczerindeki i\u015flemler i\u00e7in 25 TL olarak belirlendi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2021\u20132023 y\u0131llar\u0131 aras\u0131nda transfer \u00fccretleri y\u00fckseldi. 2021 y\u0131l\u0131nda 10.000 TL&#8217;lik \u00f6rnek EFT i\u015fleminin \u00fccreti 2,29 TL iken, 2022 y\u0131l\u0131nda 3,11 TL&#8217;ye, 2023 y\u0131l\u0131n\u0131n Nisan ay\u0131nda ise 5,10 TL&#8217;ye ula\u015ft\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2024 y\u0131l\u0131nda i\u015flem tutar\u0131 e\u015fiklerinin y\u00fckseltilmesiyle \u00f6nemli bir de\u011fi\u015fiklik ya\u015fand\u0131. Daha \u00f6nce orta \u00fccret dilimine giren 3.000 TL&#8217;lik EFT i\u015flemi, 4.300 TL&#8217;lik yeni e\u015fik sayesinde ilk dilime ge\u00e7ti. Bu nedenle 2023 y\u0131l\u0131ndaki 5,10 TL \u00f6rnek \u00fccrete kar\u015f\u0131l\u0131k 2024 y\u0131l\u0131nda 4,22 TL uygulanabildi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2025 ve 2026 y\u0131llar\u0131nda \u00fccretler y\u00fckselmeye devam etti. Ekim 2026 itibar\u0131yla 10.000 TL&#8217;lik mobil EFT i\u015flemi i\u00e7in azami \u00fccret 15,96 TL, 500.000 TL&#8217;lik i\u015flem i\u00e7in ise 199,41 TL oldu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ara\u015ft\u0131rma sonucu:<\/strong> 2020&#8217;de 2 TL olan 10.000 TL&#8217;lik mobil EFT i\u015fleminin azami \u00fccreti, 2026 y\u0131l\u0131nda 15,96 TL&#8217;ye y\u00fckseldi. Bu, alt\u0131 y\u0131lda yakla\u015f\u0131k sekiz katl\u0131k nominal art\u0131\u015f anlam\u0131na geliyor. Ancak bu art\u0131\u015f enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f de\u011fildir; bankalar\u0131n m\u00fc\u015fterilerinden fiilen ald\u0131\u011f\u0131 \u00fccretleri de\u011fil, kar\u015f\u0131la\u015ft\u0131r\u0131lan tarifeleri g\u00f6stermektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAST_Ucreti_2026_724_Para_Gonderme_Limiti\"><\/span>FAST \u00dccreti 2026: 7\/24 Para G\u00f6nderme Limiti<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FAST, farkl\u0131 bankalar aras\u0131nda g\u00fcn\u00fcn her saati anl\u0131k TL transferi yap\u0131labilen \u00f6deme sistemidir. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n 24 A\u011fustos 2026 tarihli duyurusuna g\u00f6re <strong>26 A\u011fustos 2026\u2019dan itibaren FAST i\u015flem tutar\u0131 limiti 300.000 TL<\/strong> oldu. Daha \u00f6nceki 100.000 TL s\u0131n\u0131r\u0131 g\u00fcncel de\u011fildir. Bu rakam sistemin tek i\u015flem \u00fcst s\u0131n\u0131r\u0131d\u0131r; m\u00fc\u015fteri baz\u0131ndaki g\u00fcnl\u00fck g\u00fcvenlik limitleri bankaya g\u00f6re de\u011fi\u015febilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FAST i\u00e7in al\u0131nabilecek azami i\u015flem \u00fccreti, EFT i\u015flemleriyle ayn\u0131 yasal s\u0131n\u0131rlara tabidir. FAST i\u015fleminin hafta sonu veya mesai d\u0131\u015f\u0131nda ger\u00e7ekle\u015ftirilmesi, tek ba\u015f\u0131na yasal azami tarifenin y\u00fczde 50 art\u0131r\u0131lmas\u0131n\u0131 hakl\u0131 \u00e7\u0131karan eski uygulaman\u0131n s\u00fcrd\u00fc\u011f\u00fc anlam\u0131na gelmez.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yurt_Disi_Havale_ve_SWIFT_Ucretleri_2026\"><\/span>Yurt D\u0131\u015f\u0131 Havale ve SWIFT \u00dccretleri 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SWIFT, ba\u015fka \u00fclkelerdeki bankalara veya yurt i\u00e7indeki ba\u015fka bankalardaki d\u00f6viz hesaplar\u0131na para transferinde kullan\u0131labilir. EFT ve havaledeki TL \u00fccret s\u0131n\u0131rlar\u0131ndan farkl\u0131 olarak uluslararas\u0131 fon transferi \u00fccretleri, banka ile m\u00fc\u015fteri aras\u0131ndaki s\u00f6zle\u015fme ve ilgili tarifeye g\u00f6re belirlenir. G\u00f6nderen banka komisyonu d\u0131\u015f\u0131nda muhabir banka ve al\u0131c\u0131 banka kesintileri olu\u015fabilir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Banka \/ \u00fcr\u00fcn<\/th><th>15 Ekim 2026 itibar\u0131yla a\u00e7\u0131klanan SWIFT \u00f6rne\u011fi<\/th><th>Dikkat edilmesi gereken<\/th><\/tr><\/thead><tbody><tr><td>Enpara bireysel<\/td><td>Giden SWIFT 466,50 TL (BSMV dahil)<\/td><td>Arac\u0131\/al\u0131c\u0131 banka masraf\u0131 ayr\u0131ca olu\u015fabilir<\/td><\/tr><tr><td>Enpara bireysel<\/td><td>Gelen SWIFT 151 TL kar\u015f\u0131l\u0131\u011f\u0131 USD\/EUR (BSMV dahil)<\/td><td>Gelen transferin para birimi ve kesintiler kontrol edilmeli<\/td><\/tr><tr><td>ING bireysel<\/td><td>Dijital EUR SWIFT i\u00e7in ING ve anla\u015fmal\u0131 muhabir masraf\u0131 yok<\/td><td>Al\u0131c\u0131 banka kendi masraf\u0131n\u0131 uygulayabilir<\/td><\/tr><tr><td>ING bireysel<\/td><td>EUR d\u0131\u015f\u0131 para birimlerinde ay\u0131n ilk dijital SWIFT\u2019i i\u00e7in ING ve muhabir masraf\u0131 yok<\/td><td>Sonraki transferlerde \u00fccret olabilir<\/td><\/tr><tr><td>Burgan Bank \/ ON<\/td><td>ON \u00fcr\u00fcn\u00fcnde giden SWIFT i\u00e7in tutara g\u00f6re kademeli tarife<\/td><td>\u0130\u015flem kanal\u0131 ve muhabir banka masraf\u0131 kontrol edilmeli<\/td><\/tr><tr><td>Di\u011fer bankalar<\/td><td>Sabit ortak SWIFT \u00fccreti yok<\/td><td>G\u00f6nderim para birimi, kanal, tutar ve SHA\/OUR\/BEN se\u00e7imiyle de\u011fi\u015fir<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Uluslararas\u0131 transferde toplam maliyet hesaplan\u0131rken <strong>SHA<\/strong> (masraflar payla\u015f\u0131l\u0131r), <strong>OUR<\/strong> (g\u00f6nderen masraflar\u0131 \u00fcstlenir) ve <strong>BEN<\/strong> (al\u0131c\u0131 \u00fcstlenir) se\u00e7enekleri dikkate al\u0131nmal\u0131d\u0131r. Banka, arac\u0131 banka ve al\u0131c\u0131 bankan\u0131n toplam kesintisi farkl\u0131la\u015fabilir. Bankalar\u0131n kimlik bilgilerini kontrol etmek i\u00e7in <a href=\"https:\/\/www.karekod.org\/blog\/bankalarin-swift-kodlari\/\">bankalar\u0131n SWIFT kodlar\u0131<\/a> rehberine ba\u015fvurabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diger_21_Kalkinma_ve_Yatirim_Bankasi\"><\/span>Di\u011fer 21 Kalk\u0131nma ve Yat\u0131r\u0131m Bankas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">BDDK listesinde yer alan a\u015fa\u011f\u0131daki 21 kurulu\u015f da ara\u015ft\u0131rman\u0131n kapsam\u0131ndad\u0131r. Ancak faaliyet alanlar\u0131 ve m\u00fc\u015fteri kitleleri farkl\u0131 oldu\u011fundan, hepsi i\u00e7in t\u00fcketicilere a\u00e7\u0131k standart 5.000 TL mobil havale\/EFT \u00fccretini ayn\u0131 tabloda k\u0131yaslamak do\u011fru de\u011fildir. Bu kurulu\u015flar\u0131n bireysel standart \u00fccretlerini do\u011frulayamad\u0131\u011f\u0131m\u0131zda rakam yazm\u0131yoruz.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kalk\u0131nma \/ yat\u0131r\u0131m bankas\u0131<\/th><th>Standart bireysel mobil havale \/ EFT \u00fccreti<\/th><\/tr><\/thead><tbody><tr><td>Aktif Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Aytemiz Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Bank of America Yat\u0131r\u0131m Bank<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>BankPozitif Kredi ve Kalk\u0131nma Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>D Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Destek Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Diler Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Golden Global Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>GSD Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Hedef Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>\u0130ller Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>\u0130stanbul Takas ve Saklama Bankas\u0131 (Takasbank)<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Misyon Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Nurol Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>PASHA Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Q Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Standard Chartered Yat\u0131r\u0131m Bankas\u0131 T\u00fcrk<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>Tera Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>T\u00fcrkiye \u0130hracat Kredi Bankas\u0131 (T\u00fcrk Eximbank)<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>T\u00fcrkiye Kalk\u0131nma ve Yat\u0131r\u0131m Bankas\u0131<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><tr><td>T\u00fcrkiye S\u0131nai Kalk\u0131nma Bankas\u0131 (TSKB)<\/td><td>Kar\u015f\u0131la\u015ft\u0131r\u0131labilir \u00fccret do\u011frulanamad\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">TMSF y\u00f6netimindeki <strong>Birle\u015fik Fon Bankas\u0131<\/strong> da BDDK\u2019da ayr\u0131ca listelenmi\u015ftir; standart bireysel dijital havale\/EFT \u00fccreti i\u00e7in kar\u015f\u0131la\u015ft\u0131r\u0131labilir bir tutar do\u011frulanamam\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Duzenli_Havale_Talimatli_EFT_ve_Sube_Islemleri\"><\/span>D\u00fczenli Havale, Talimatl\u0131 EFT ve \u015eube \u0130\u015flemleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fczenli \u00f6deme talimatlar\u0131nda ve internet\/mobil bankac\u0131l\u0131kta ayn\u0131 TCMB tutar dilimi s\u0131n\u0131rlar\u0131 uygulanabilir; ancak bankan\u0131n \u00fccretsiz talimat kampanyas\u0131 bulunabilir. \u015eubede yap\u0131lan EFT i\u015flemlerinde 8.300 TL ve alt\u0131 i\u00e7in 39,87 TL, orta dilimde 79,76 TL ve 399.000 TL \u00fczeri i\u015flemlerde 797,68 TL azami \u00fccret bulunur. Bunlar da BSMV hari\u00e7tir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eski metinlerde birbirinden ba\u011f\u0131ms\u0131z kanallara ait komisyon tutarlar\u0131n\u0131n ayn\u0131 \u201chavale \u00fccreti\u201d ba\u015fl\u0131\u011f\u0131nda toplanmas\u0131 kafa kar\u0131\u015f\u0131kl\u0131\u011f\u0131 yarat\u0131yordu. Mobil EFT, \u015fube EFT\u2019si, banka i\u00e7i havale ve uluslararas\u0131 SWIFT farkl\u0131 hizmetler oldu\u011fu i\u00e7in 2026 \u00fccretleri i\u015flem kanal\u0131 belirtilmeden kar\u015f\u0131la\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Havale_ve_EFT_Ucreti_Odememek_Icin_Ne_Yapilabilir\"><\/span>Havale ve EFT \u00dccreti \u00d6dememek \u0130\u00e7in Ne Yap\u0131labilir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00d6ncelikle bankan\u0131z\u0131n mobil ve internet bankac\u0131l\u0131\u011f\u0131 kanallar\u0131n\u0131 kullan\u0131n; \u015fube ve \u00e7a\u011fr\u0131 merkezi i\u015flemleri daha pahal\u0131 olabilir.<\/li>\n\n\n\n<li>Dijital hesaplara \u00f6zel \u00fccretsiz EFT\/FAST\/havale haklar\u0131n\u0131 inceleyin.<\/li>\n\n\n\n<li>Maa\u015f, \u00f6zel bankac\u0131l\u0131k veya yat\u0131r\u0131m hesab\u0131n\u0131za ba\u011fl\u0131 muafiyetlerinizi kontrol edin.<\/li>\n\n\n\n<li>FAST, EFT ve SWIFT\u2019i birbirinden ay\u0131rarak i\u015flem t\u00fcr\u00fcn\u00fc do\u011fru se\u00e7in.<\/li>\n\n\n\n<li>Onay vermeden \u00f6nce kesinti, BSMV ve muhabir banka masraf\u0131n\u0131 kontrol edin.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Konuyla ilgili daha ayr\u0131nt\u0131l\u0131 d\u00fczenleme ve i\u015flem t\u00fcrleri i\u00e7in Karekod Blog\u2019daki <a href=\"https:\/\/www.karekod.org\/blog\/eft-ve-havale-ucreti\/\">EFT ve havale \u00fccreti 2026<\/a> kar\u015f\u0131la\u015ft\u0131rmas\u0131n\u0131 da inceleyebilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026_Havale_Ucretleri_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>2026 Havale \u00dccretleri Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">2026 y\u0131l\u0131nda havale \u00fccreti ka\u00e7 TL?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">15 Ekim 2026 itibar\u0131yla mobil ve internet bankac\u0131l\u0131\u011f\u0131nda bireysel havale azami \u00fccretleri i\u015flem tutar\u0131na g\u00f6re 3,99 TL, 7,98 TL ve 99,71 TL\u2019dir. Banka daha az \u00fccret alabilir veya i\u015flemi \u00fccretsiz sunabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026 EFT ve FAST \u00fccreti ne kadar?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bireysel mobil\/internet EFT ve FAST i\u015flemlerinde azami \u00fccretler 8.300 TL\u2019ye kadar 7,97 TL, 8.300,01\u2013399.000 TL aras\u0131nda 15,96 TL, bunun \u00fczerinde 199,41 TL\u2019dir. Tutarlar BSMV hari\u00e7tir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hangi bankalarda EFT ve havale \u00fccretsiz?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Enpara, ING, ON Dijital, CEPTETEB hesaplar\u0131, Hayat Finans ve baz\u0131 kat\u0131l\u0131m bankalar\u0131n\u0131n uygun dijital hesaplar\u0131nda \u00fccretsiz transfer imk\u00e2n\u0131 bulunmaktad\u0131r. Kampanya ve \u00fcr\u00fcn ko\u015fullar\u0131 de\u011fi\u015febilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAST i\u015flem limiti 2026 y\u0131l\u0131nda ka\u00e7 TL?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 26 A\u011fustos 2026 itibar\u0131yla FAST sistemindeki tek i\u015flem tutar s\u0131n\u0131r\u0131n\u0131 300.000 TL\u2019ye y\u00fckseltmi\u015ftir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">SWIFT ve havale ayn\u0131 \u015fey mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Havale ayn\u0131 bankan\u0131n hesaplar\u0131 aras\u0131ndaki para aktar\u0131m\u0131d\u0131r. SWIFT ise farkl\u0131 bankalardaki \u00f6zellikle yabanc\u0131 para hesaplar\u0131 aras\u0131nda ger\u00e7ekle\u015ftirilen transferlerde kullan\u0131lan uluslararas\u0131 mesajla\u015fma altyap\u0131s\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">EFT neden \u015fubede daha pahal\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">TCMB d\u00fczenlemesi \u015fube ve di\u011fer kanallar i\u00e7in mobil\/internet kanal\u0131ndan farkl\u0131 azami \u00fccretler belirler. M\u00fc\u015fterinin \u00f6zel muafiyet hakk\u0131 ayr\u0131ca ge\u00e7erli olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Karekod_Blog_Arastirma_Notu\"><\/span>Karekod Blog Ara\u015ft\u0131rma Notu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bu i\u00e7erik <strong>15 Ekim 2026<\/strong> itibar\u0131yla g\u00fcncellenmi\u015ftir. Yasal azami \u00fccretler i\u00e7in TCMB, banka kapsam\u0131 i\u00e7in BDDK, banka baz\u0131ndaki \u00f6rnek mobil \u00fccretler i\u00e7in TBB bireysel \u00fccret ilanlar\u0131 ve 3 Ekim 2026 tarihli derlemeler; \u00fccretsiz \u00fcr\u00fcn ve SWIFT istisnalar\u0131 i\u00e7in bankalar\u0131n kendi sayfalar\u0131 esas al\u0131nm\u0131\u015ft\u0131r. Tarife bulunamayan sat\u0131rlara tahmin yaz\u0131lmam\u0131\u015ft\u0131r. T\u00fcm rakamlar yaln\u0131zca belirtilen i\u015flem t\u00fcr\u00fc ve m\u00fc\u015fteri kanal\u0131yla birlikte de\u011ferlendirilmelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaynaklar\"><\/span>Kaynaklar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 \u2013 Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretler Tebli\u011fi<\/li>\n\n\n\n<li>TCMB \u2013 FAST Limiti 300.000 TL Duyurusu (24 A\u011fustos 2026)<\/li>\n\n\n\n<li>BDDK \u2013 T\u00fcrkiye\u2019deki Banka Kurulu\u015flar\u0131<\/a><\/li>\n\n\n\n<li>TBB \u00dccret Verilerinin Derlemesi \u2013 Mobil EFT (3 Ekim 2026)<\/li>\n\n\n\n<li>TBB \u00dccret Verilerinin Derlemesi \u2013 Mobil Havale (3 Ekim 2026)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>2026 havale \u00fccretleri, bankaya ve para transferi kanal\u0131na g\u00f6re de\u011fi\u015fiyor. 15 Ekim 2026 itibar\u0131yla mobil ve internet bankac\u0131l\u0131\u011f\u0131ndan ger\u00e7ekle\u015ftirilen EFT, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62353,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958,1300],"tags":[5214,5213],"class_list":["post-51281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-fiyat","tag-2026-havale-ucreti","tag-havale-ucreti"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2026 Havale \u00dccretleri \u2013 T\u00fcm Bankalar G\u00fcncel Liste<\/title>\n<meta name=\"description\" content=\"Ekim 2026 havale \u00fccretleri ne kadar? 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