COMMUNIQUE ON PROCEDURES AND PRINCIPLES FOR FEES TO BE OBTAINED FROM COMMERCIAL CUSTOMERS BY BANKS (2020/4) PUBLISHED. 11 February 2020
Published in the official Gazette dated 10 February 2020; the enformcement date of the arrengement determined as "01.03.2020'

'With the communique published; the types and qualities, maximum amount or rates and the procedures and principles of the fees that will be charged for the products or services offered in the transactions to be carried out by the commercial customers of the banks have been determined.
Featured arrangements are stated below.
1. The fees that banks shall charge to commercial customers in return for the products and services they offer within the scope of commercial loans, foreign trade, cash management and payment systems are specified in the Annex of the Communiqué.
You may access the ‘Annex’ by clicking the link below:
https://www.resmigazete.gov.tr/eskiler/2020/02/
20200210-10.htm
Banks will be able to freely determine the charges of those which are not restricted from the charge items in the Annex.
Except for the fees included in the Annex, no fee shall be charged under the other names for the products or services to be offered under these categories in terms of their quality; however, the amounts to be paid to third parties shall be reflected exactly to the commercial customer.
2. In case of early payment or closure of the commercial loan, it is obligatory to make a discount on all interest and other cost elements not accrued by the banks. The bank shall be able to request 'early payment fee' from the commercial customer.
If an early payment request is made for the entire loan, the early payment fee (the amount calculated by making the necessary interest discount and paid early to the bank by the commercial customers) shall not exceed 1% for loans whose remaining maturity does not exceed 24 months, and 2% for loans whose remaining maturity exceeds 24 months.
3. Banks shall categorize their 'loan allocation' and 'lending' fees as two separate sub-items.
The 'loan allocation fee' shall not exceed 25 per ten thousand of the loan allocated and the 'loan lending fee' shall not exceed 1 percent of the loan granted.
4. Fees Which Shall Be Paid Within The Scope Of Collateral
The fees that shall be charged for the pledge and mortgage facilities and appraisal transactions for movable and immovable properties to be made within the period from the allocation of commercial credit to the closure, shall not exceed the amount paid by the banks to third parties, and if the service is offered within the bank, shall not exceed the ‘reasonable price of the service’.
5. Intermediation Services of the Bank
No fee shall be charged from the commercial customer who pays for the intermediary transactions of third parties' invoices and similar collections. Banks may request fees from the third parties whose collections are made in such transactions.
6. Transactions with Commercial Cards
Limit excess fee shall not be charged from commercial credit cards.
In commercial credit cards, no fees shall be charged for deferment, installment, deadline extension and similar services.
Annual membership fee shall not be charged for commercial debit cards and virtual credit cards.
Banks are obliged to offer a commercial credit card type that they do not charge any fee under the annual membership fee and similar name, and in the event that this application is rejected by the bank, a commercial credit card with an annual membership fee cannot be issued based on this application.
7. Limitations Of Money Transfer Fees
Fees in EFT transactions; an upper limit has been determined to be applied if the transaction amount is 1,000 TL or less. The upper limit shall be 1TL for transactions made via mobile banking and internet banking and regular payments, 2TL for ATM transactions and 5TL for transactions with other channels.
These upper limits shall be applied with 50% increment in EFT transactions determined as "late transactions" in contracts between the bank and the commercial customer.
Fees in Money Order transactions; fees related to these transactions shall be applied at the rate of half of the fees in EFT transactions with the same classification.
In money transfer transactions, in cases where a refund is required due to the customer's error, no fee will be charged to the customer, except for the amounts paid to third parties.
8. Fee Change Notification
Banks shall notify the commercial customers at least 2 business days in advance, in writing, via the permanent data keeper or via the registered phone in order to increase the fees they apply. The increase cannot be applied to the previous period.
9. The provisions of the Communiqué will come into force on 01.03.2020 and will also be applied to the transactions to be performed after the effective date within the scope of the contracts established before this date.
Other News
-
5.9.2025
Competition in the Labor Market: HR Practices to Avoid
The Turkish Competition Authority ("Authority"), which is entrusted with ensuring the proper functioning of markets, identifying practices that restrict competition, and imposing sanctions against infringements, operates under Law No. 4054 on the Protection of Competition ("Law") without distinction between input and output markets. Labor markets have recently emerged as one of the primary arenas in which entities compete in input markets and, with the influence of various additional dynamics, have become a market increasingly prioritized by the Authority. The Guidelines on Competition Violations in Labor Markets ("Guidelines"), adopted by the Authority on November 21, 2024, serve as an important reference for the prevention of competition infringements in labor markets. In this bulletin, in light of the Guidelines and decisions of the Competition Board ("Board") within the Authority, (i) the fundamental principles and information regarding the application of competition law to labor markets, and (ii) the main prohibited practices to be observed when competing in labor markets will be addressed.
-
29.8.2025
Does An Employee's Extended Period Of Sick Leave Grant The Employer The Right To Terminate The Emploment Contract?
In employer-employee relations, the direct impact of long-term medical reports on the status of the employment contract holds critical importance for both employees and employers. In particular, uninterrupted periods of sick leave lasting for a certain duration are regulated under Article 25/I(b) of the Labour Law as a specific provision that grants the employer the right to immediate termination for just cause and determines the rights to be granted to the employee. In this context, how the employer may exercise the right of termination for just cause following the employee's extended medical leave and the legal basis of this process should be examined in detail.
-
27.8.2025
Regulation On Direct Selling Was Published
The Regulation on Direct Selling ("Regulation"), issued by the Ministry of Trade ("Ministry") pursuant to Articles 47/A and 84 of the Consumer Protection Law No. 6502, was published in the Official Gazette dated 08.08.2025 and numbered 32980, thereby entering into force.
-
18.8.2025
SMS Verification Codes and the Personal Data Protection Board's Guideline Decision No. 2025/1072
The Personal Data Protection Board's Guideline Decision dated 10 June 2025 and numbered 2025/1072 introduces significant regulations regarding personal data processing activities conducted through SMS verification codes, which have become a widespread practice in commercial life. The decision requires significant adjustments to customer relationship management, particularly in the service and retail industries.
-
11.8.2025
Mergers And Acquisitions Of Companies Engaged In Renewable Energy Gereration
In recent years, notable developments in Turkey's electricity market have extended beyond investments aimed solely at increasing generation capacity. The sector has also come into focus through strategic investments and merger and acquisition (M&A) transactions involving companies operating in the field of renewable energy.
-
31.7.2025
Annual Leave, Severance Pay, and Notice Pay in Part - Time Employment Contracts
Part-Time Employment Contract Article 13 of the Labor Law No. 4857 defines a part-time employment contract as "a contract in which the employee's normal weekly working hours are significantly less than those of a full-time employee performing similar work."
-
30.7.2025
Legal Remedies And The Official Appeal Process For Property Tax Values
a. General Overview Following the enactment of Law No. 4751 in 2002, which amended the Tax Procedure Law, the Property Tax Law, and the Fees Law, the declaration-based system for determining the property tax base was abolished, and the tariff and assesment procedure implemented by administrative authorities was adopted.
-
25.7.2025
Labour Law No. 4857 Amended! Electronic Notification Opportunity Introduced With Rem
Article 109 of the Labour Law No. 4857 has been amended, together with its title and content, by the Law Amending the Law on the Protection of the Value of Turkish Currency and Certain Laws and the Decree Law No. 635 published in the Official Gazette dated 24 July 2025. With this important amendment, the procedures regarding the form of notifications to be made between employers and employees have been redefined.
-
16.7.2025
Terminatıon Right Of The Employer Due To Conviction And Detention And Legal Consequences
In labour law practice, which is a dynamic field based on the principle of protecting the balance between the employee and the employer, the employee's failure to fulfill their obligation to perform work-especially when this results from circumstances that restrict individual freedom, such as conviction or detention-has significant legal consequences regarding the termination of the employment contract.
-
14.7.2025
Radical Change In The Labor Law Dated 14.07.2025: Flexible Week Holiday Period Has Started In The Tourism Sector!
With the Law No. 7553 on the "Amendment of Certain Laws and Decree Law No. 375" published in the Official Gazette on July 14, 2025, important innovations have been introduced in the Labor Law and some other laws. In this context; as of 14.07.2025, with the provision added to the article Article 46 of the Labor Law which regulates the week holiday, flexible week holiday specific to the tourism sector have been introduced.
-
9.7.2025
Climate Law Enacted
The Climate Law No. 7552 ("Law"), which includes regulations on the procedures and principles related to the reduction of greenhouse gas emissions in the fight against climate change, climate adaptation activities, planning and implementation tools, revenues, permits and inspections, and the legal and institutional framework surrounding these, was published in the Official Gazette dated July 9, 2025, No. 32951, and entered into force. This Law sets out general principles and objectives from a casuistic perspective, preferring to leave detailed and technical regulations to secondary legislation.
-
7.7.2025
Mediation Practices In The Land Registry
Pursuant to the amendments introduced by Law on Amendments to the Enforcement and Bankruptcy Law and to Certain Other Laws which was published in the Official Gazette dated 05.04.2023, numbered 32154 to the Law on Mediation in Civil Disputes dated 7/6/2012 and numbered 6325 ("Law"), the scope of disputes that may be resolved through procedural- mandatory- and voluntary mediation has been expanded.
-
27.6.2025
Effects Of The Concordatum Period On Pledgees
Pursuant to Article 285 of the Enforcement and Bankruptcy Law (EBL), a debtor who is unable to pay their debts on time or is at risk of default may request a concordatum. During the period granted to the debtor upon such request, no enforcement proceedings may be initiated, and ongoing proceedings are suspended, in accordance with Article 294/1 of the EBL.
-
18.6.2025
M&A Dynamics in Publicly Traded Companies: New Investment Strategies Through Borsa Istanbul
In recent years, IPOs in Turkey have reached record levels. In 2023 and 2024, a large number of companies started trading in Borsa Istanbul as a result of initial public offerings (IPO) transactions. These IPOs, which attracted great interest from small investors, stand out as important strategic moves in which companies gain transparency and visibility, and also play a role as an important financing tool. With IPOs, publicly traded companies / partnerships are now drawing the attention of not only small investors but also domestic/foreign strategic and financial investors.
-
16.6.2025
The Court Of Cassation Abandoned Its Long-Standing Precedent Regarding Construction Conracts In Return For Land Shares, Known As "Advance Deed"
Construction contracts in return for land shares are a common practice in the construction sector in Turkey.