Commercial Customer Fees & Commissions

Commercial Customer Fees and Commissions

No   Service Type Currency Minimum Amount Minimum Rate Maximum Amount Maximum Rate Description Update Date
          Oran   Oran    
  1 Commercial Loans TRY            
  1,1 Credit Allocation and Credit Utilization TRY            
  1.1.1 Credit Allocation and Credit Utilization Fee TRY            
1 1.1.1.1 Credit Allocation TRY       %0,25 In the case of allocating or renewing credit limits, a lump sum is collected annually based on the general credit limit, and additionally, a allocation fee is collected in advance based on the increase amount if there is an increase in the general credit limit. The allocation fee is applied as a maximum of 0.25% of the allocated amount in new limit allocations and a maximum of 0.125% of the renewed amount in limit renewals. If a limit increase is made, the maximum of 0.25% of the additional allocated amount is calculated. For limit allocations shorter than one year, the credit allocation fee is annual and applied proportionally considering the number of months in the limit allocation period. Except for BSMV. 02.01.2024
2 1.1.1.2 Credit Utilization TRY       %1,10 The loan disbursement fee is applied based on the average loan balance for revolving credits. The maximum annual rate is 1%. A maximum of 0.25% is applied on a quarterly basis (based on the average balance for three months) and collected at the end of each period. For non-revolving cash loans, the fee is collected upfront at the time of disbursement. A maximum of 1.1% is applied annually based on the loan amount. For loans with a term shorter than one year, the fee is applied proportionally based on the number of days in the loan term. Except for BSMV. 02.01.2024
3 1.1.2 Fee for Issuance of Letter of Credit/Intent/Reference TRY 1,5   25   The fees received for issuing letters of credit, performance bonds, and reference letters, including those issued electronically, are charged in exchange for the letters of intent given to the recipient stating the intention to issue a letter of credit or performance bond, and reference letters. Except for BSMV. 02.01.2024
  1,2 Collateralization            
4 1.2.1 Appraisal, Collateral Establishment, Amendment, and Cancellation Fee TRY         In case third parties conduct appraisal, mortgage establishment/release, and vehicle pledge transactions, an additional fee of up to 15% of the fee paid to third parties may be charged. Except for BSMV. 02.01.2024
  1,3 Credit Risk Process            
5 1.3.1 Restructuring, Extension/Payment Plan, and Interest Rate Change Fee 5     %5,00 The fee charged for restructuring a loan, which involves changes in collateral, maturity, payment plan, rates, and other conditions affecting the approval criteria of banks, such as initially determined repayment plan and interest rates, for ongoing cash and non-cash loans. This fee can also be charged for financial leasing transactions. It is collected on a transaction basis. Except for BSMV. 02.01.2024
  1.3.2 Commitment/Non-Compliance Fee        
6 1.3.2.1 Commitment TRY       %4,00 The fee charged on the unused balance of investment and project finance loans promised to be allocated and disbursed to commercial customers through a special-text credit agreement, which is not covered by the general credit agreement and provides price or limit commitment. It can be allocated on a periodic, annual, or transaction basis. Except for BSMV. 02.01.2024
7 1.3.2.2 Non-Compliance TRY       %4,00 The fee charged in case the conditions committed by commercial customers during the credit allocation and disbursement stages are not fulfilled. This fee also applies if, despite being committed to by commercial customers, the credit is partially or fully unused and canceled within the specified period. It can be collected on a periodic, annual, or transaction basis. Except for BSMV. 02.01.2024
8 1.3.3 Non-Cash Loan - Period Fee TRY 2     %4,00 The fee charged for the risk incurred due to the guarantee service provided in external trade, excluding bank acceptance and aval, with non-cash loans received within the scope of documentary credits and all other types of non-cash loan disbursements. The minimum amount is determined annually and is 500.- TL on a periodic basis. Except for BSMV. 02.01.2024
9 1.3.4 Non-Cash Loan - Guarantee Fee TRY 4     %5,00 The fee charged for the risk arising from non-cash loans granted by the bank to commercial customers for project residential/commercial property loans. It is charged annually. It can be allocated upfront or periodically based on the allocated credit limit. Except for BSMV. 02.01.2024
  1,4 Closure              
  1.4.1 Cash Loan Early Payment Fee          
  1.4.1.1 Cash Loan Early Closure - Remaining Term Up to 24 Months    
10 1.4.1.1.1 Cash Loan Early Closure (Turkish Lira Loans) TRY       %1,00 It is the fee charged on the closed principal amount in case the loan is completely closed before its maturity. It is collected on a transaction basis and at the time of closing. BSMV is excluded. 01.07.2024
11 1.4.1.1.2 Cash Loan Early Closure (Foreign Currency or Foreign Currency-Indexed Loans) USD/EUR       %2,00 It is the fee charged on the closed principal amount in case the loan is completely closed before its maturity. It is collected on a transaction basis and at the time of closing. BSMV is excluded. 01.07.2024
  1.4.1.2 Cash Loan Early Closure - Remaining Term Longer Than 24 Months  
12 1.4.1.2.1 Cash Loan Early Closure (Turkish Lira Loans) TRY       %2,00 It is the fee charged on the closed principal amount in case the loan is completely closed before its maturity. It is collected on a transaction basis and at the time of closing. BSMV is excluded. 01.07.2024
13 1.4.1.2.2 Cash Loan Early Closure (Foreign Currency or Foreign Currency-Indexed Loans) USD/EUR       %3,00 It is the fee charged on the closed principal amount in case the loan is completely closed before its maturity. It is collected on a transaction basis and at the time of closing. BSMV is excluded. 01.07.2024
  1.4.1.3 Cash Loan Partial Payment          
14 1.4.1.3.1 Cash Loan Early Closure (Turkish Lira Loans) TRY       %5,00 In case of early principal interim payment made for the loan or if the loan installment is due before the remaining amount, the early/partially paid principal will be collected in advance. BSMV is excluded. 01.07.2024
15 1.4.1.3.2 Cash Loan Early Closure (Foreign Currency or Foreign Currency-Indexed Loans) USD/EUR       %5,00 In case of early principal interim payment made for the loan or if the loan installment is due before the remaining amount, the early/partially paid principal will be collected in advance. BSMV is excluded. 01.07.2024
  2 Foreign Trade            
  2,1 Import Transactions            
16 2.1.1 Letter of Credit Opening Fee USD 150 0,02   %4,00 The fee charged for the risk incurred in non-cash credit disbursements through the use of letters of credit and other foreign trade methods. Additionally, the International Fund Transfer Messaging Fee (Swift) is separately charged. Except for BSMV. 02.01.2024
17 2.1.2 Reserve/Discrepancy Fee USD 100   150   The fee charged when additional documents or data are provided to support the process in case of non-compliance with the letter of credit/bank payment obligation, to ensure the smooth process flow and removal of reserve entries, and when the commission to be collected from the correspondent bank is requested to be paid by the customer. Except for BSMV. 02.01.2024
18 2.1.3 Pre-notification Fee USD 100   150   The fee charged for pre-notification in exchange for the risk incurred in the guarantee service provided in non-cash credit disbursements. Except for BSMV. 02.01.2024
19 2.1.4 Aval/Acceptance Fee USD 150 0,02   %4,00 The fee charged for aval/acceptance in exchange for the risk incurred in non-cash credit disbursements. Except for BSMV. 02.01.2024
20 2.1.5 Term/Amount Change Fee USD 150 0,02   %4,00 The fee charged upfront for the extension of maturity and/or increase in amount requested for ongoing non-cash loans. Except for BSMV. 02.01.2024
21 2.1.6 Bill of Exchange Acceptance Fee USD 150 0,01   %3,00 The fee charged for the acceptance process of the policy presented in customer acceptance transactions. Except for BSMV. 02.01.2024
  2,2 Export Transactions            
22 2.2.1 Notification Fee USD 150 0,005   %2,00 The fee, calculated based on the transaction amount, charged upfront when the letter of credit, BPO (Bank Payment Obligation), or confirmed letter of credit is notified to the customer or another bank. Except for BSMV. 02.01.2024
23 2.2.2 Confirmation Fee USD 300 0,02   0,075 The fee charged for providing payment guarantee to the issuing bank and its country risk in transactions involving letters of credit, bank payment obligations (BPO), and standby letters of credit. Except for BSMV. 02.01.2024
24 2.2.3 Term/Amount Change Fee USD 150 0,02   %4,00 The fee charged for requests for extension of maturity or increase in amount in ongoing transactions. Except for BSMV. 02.01.2024
25 2.2.4 Deferred Payment Fee USD 150 0,02   %4,00 The fee charged for the period between the time of loading and the payment due date in deferred letters of credit. Excluding BSMV. 02.01.2024
26 2.2.5 Discount Fee USD 300 0,02   0,075 The fees and commissions charged for the early payment of deferred export receivables. Excluding BSMV. 02.01.2024
27 2.2.6 Collection Fee USD 100 0,005   0,02 The fee charged for facilitating the collection of documents sent for collection in foreign trade transactions. Excluding BSMV. 02.01.2024
  2,3 Import/Export Common Transactions        
28 2.3.1 Document Examination Fee USD 150 0,005   %2,00 The fee charged for examining incoming and outgoing documents in letters of credit, external guarantees, counter-guarantees, standby letters of credit, document against payment, acceptance credit, and document against acceptance transactions. Excluding BSMV. 02.01.2024
29 2.3.2 Amendment Fee USD 150 0,02   %4,00 The fee charged for changes unrelated to the transaction amount and maturity date, and not involving credit risk. Excluding BSMV. 02.01.2024
30 2.3.3 Transaction Fee USD 150   250   The fee charged for operational processes related to the opening of foreign trade transactions. Excluding BSMV. 02.01.2024
31 2.3.4 Correspondent Bank Charge USD         he fee charged when correspondent bank expenses are covered by the customer in foreign trade transactions, either upfront or upon request by the correspondent. Excluding BSMV. 02.01.2024
32 2.3.5 Payment Fee USD 100 0,005   %2,00 The fee charged for transferring the incoming amount to the customer's account or for outgoing payment/import transfer transactions in foreign trade transactions. Excluding BSMV. 02.01.2024
  3 Cash Management            
  3.1. Supplier Financing and Direct Debit System (DDS)      
  3.1.1. Supplier Financing and DDS Fee        
33 3.1.1.1 DDS              
34 3.1.1.2 Supplier Financing            
  3.1.2. Supplier Financing and DDS Period Fee        
35 3.1.2.1 DDS              
36 3.1.2.2 Supplier Financing            
  3.2. Deposits, Participation Funds, and Precious Metal Deposit Accounts  
  3.2.1. Cash and Precious Metal Deposit/Withdrawal Fee      
37 3.2.1.1 Branch Late Deposit            
38 3.2.1.2 Cash Withdrawal            
39 3.2.1.2.1 Cash Withdrawal Above Daily Limit        
40 3.2.1.2.2 Cash Withdrawal from Another Branch        
41 3.2.1.2.3 Precious Metal Withdrawal          
42 3.2.2. Transactions at Other Institution ATMs/Common ATMs Fee    
43 3.2.2.1 Cash Withdrawal/Deposit/Debt Payment      
44 3.2.2.2 ATM Balance/Limit/Debt Inquiry        
  3.3. Cash and Precious Metal Transfers        
  3.3.1. Electronic Funds Transfer (EFT) Fee        
  3.3.1.1 Mobile Banking and Internet Banking        
45 3.3.1.1.1 Up to 4,300 TL TRY 4,22   4,22   Charged per transaction. BSMV is excluded. 09.01.2024
46 3.3.1.1.2  Between 4,300 TL and 211,100 TL TRY 8,44   8,44   Charged per transaction. BSMV is excluded. 09.01.2024
47 3.3.1.1.3       Above 211.100 TL TRY 105,52   105,52   Charged per transaction. BSMV is excluded. 09.01.2024
  3.3.1.2 ATM              
48 3.3.1.2.1 Up to 4,300 TL            
49 3.3.1.2.2  Between 4,300 TL and 211,100 TL        
50 3.3.1.2.3       Above 211.100 TL            
  3.3.1.3 Other Channels            
51 3.3.1.3.1 Up to 4,300 TL TRY 21,10   21,10   Charged per transaction. BSMV is excluded. 09.01.2024
52 3.3.1.3.2  Between 4,300 TL and 211,100 TL TRY 42,21   42,21   Charged per transaction. BSMV is excluded. 09.01.2024
53 3.3.1.3.3       Above 211.100 TL TRY 422,1   422,1   Charged per transaction. BSMV is excluded. 09.01.2024
  3.3.2. Wire Transfer Fee            
  3.3.2.1 Mobile Banking and Internet Banking        
54 3.3.2.1.1 Up to 4,300 TL TRY 2,11   2,11   Charged per transaction. BSMV is excluded. 09.01.2024
55 3.3.2.1.2  Between 4,300 TL and 211,100 TL TRY 4,22   4,22   Charged per transaction. BSMV is excluded. 09.01.2024
56 3.3.2.1.3       Above 211.100 TL TRY 52,76   52,76   Charged per transaction. BSMV is excluded. 09.01.2024
  3.3.2.2 ATM              
57 3.3.2.2.1 Up to 4,300 TL            
58 3.3.2.2.2  Between 4,300 TL and 211,100 TL        
59 3.3.2.2.3       Above 211.100 TL            
  3.3.2.3 Other Channels            
60 3.3.2.3.1 Up to 4,300 TL TRY 10,55   10,55   Charged per transaction. BSMV is excluded. 09.01.2024
61 3.3.2.3.2  Between 4,300 TL and 211,100 TL TRY 21,11   21,11   Charged per transaction. BSMV is excluded. 09.01.2024
62 3.3.2.3.3       Above 211.100 TL TRY 211,05   211,05   Charged per transaction. BSMV is excluded. 09.01.2024
63 3.3.3. International Fund Transfer and Messaging Fee      
64 3.3.3.1 Outgoing Fund Transfer TRY 3,5 %0,25 10   It is the fee charged for outgoing international fund transfers and SWIFT-like messaging transactions. It is collected per transaction. BSMV is excluded. 02.01.2024
65 3.3.3.2 Incoming Fund Transfer TRY 250 %0,10 2,5   The fees that may be demanded by intermediary correspondent banks will be charged separately. It is collected per transaction. BSMV is excluded. 02.01.2024
66 3.3.3.3 Sent via Payment Institutions TRY 3,5 %0,25 10   Charged per transaction. BSMV is excluded. 02.01.2024
67 3.3.3.4 Received via Payment Institutions TRY 250 %0,10 2,5   Charged per transaction. BSMV is excluded. 02.01.2024
68 3.3.3.5 International Fund Transfer Inquiry/Messaging Fee TRY 1 %0,25 5   Per Transaction (For each SWIFT message requested by customers to be sent to other banks for information/correction/modification/investigation purposes, the fee is collected in TL equivalent at our bank's foreign exchange selling rate, regardless of the number of pages. Correspondent bank fees will be charged additionally. BSMV is excluded. 02.01.2024
69 3.3.4. Precious Metal Transfer Fee          
70 3.3.4.1 Within Bank (Internal)          
71 3.3.4.2 Other Bank (External)          
  3.3.5. Instant and Continuous Fund Transfer (FAST)      
  3.3.5.1 FAST Transactions Occurring Until the Late EFT Start Time (During Official Working Hours)
  3.3.5.1.1 Mobile Banking and Internet Banking        
116 3.3.5.1.1.1 Up to 4,300 TL            
117 3.3.5.1.1.2  Between 4,300 TL and 211,100 TL        
118 3.3.5.1.1.3       Above 211.100 TL            
  3.3.5.1.2 ATM              
119 3.3.5.1.2.1 Up to 4,300 TL            
120 3.3.5.1.2.2  Between 4,300 TL and 211,100 TL        
121 3.3.5.1.2.3       Above 211.100 TL            
  3.3.5.1.3 Other Channels/Branch          
122 3.3.5.1.3.1 Up to 4,300 TL            
123 3.3.5.1.3.2  Between 4,300 TL and 211,100 TL        
124 3.3.5.1.3.3       Above 211.100 TL            
  3.3.5.2 FAST Transactions Occurring After the Late EFT Start Time and During the Weekend
  3.3.5.2.1 Mobile Banking and Internet Banking        
125 3.3.5.2.1.1 Up to 4,300 TL            
126 3.3.5.2.1.2  Between 4,300 TL and 211,100 TL        
127 3.3.5.2.1.3       Above 211.100 TL            
  3.3.5.2.2 ATM              
128 3.3.5.2.2.1 Up to 4,300 TL            
129 3.3.5.2.2.2  Between 4,300 TL and 211,100 TL        
130 3.3.5.2.2.3       Above 211.100 TL            
  3.3.5.2.3 Other Channels            
131 3.3.5.2.3.1 Up to 4,300 TL            
132 3.3.5.2.3.2  Between 4,300 TL and 211,100 TL        
133 3.3.5.2.3.3       Above 211.100 TL            
72 3.4. Safe Deposit Box Rental          
73 3.5. Brokerage Services            
74 3.5.1. Bill/Utility Payment            
75 3.5.2. Collection/Payment Services          
76 3.6. Document and Information          
77 3.6.1. Printed Statement Delivery TRY 0,0   3   The specified fee is per page. If transactions are carried out by third parties (notary, etc.), no additional fee will be charged other than the fee paid to the third parties. BSMV is excluded. 09.01.2024
78 3.6.2. Archive/Research TRY 0,0   50   The specified fee is per page. If transactions are carried out by third parties (notary, etc.), no additional fee will be charged other than the fee paid to the third parties. BSMV is excluded. 09.01.2024
  3.7. Check Transactions            
  3.7.1. Checkbook and Check Issuance Fee        
79 3.7.1.1 Checkbook (Per Leaf) TRY 30   30   The fee excludes the Valuable Paper Cost (tax) charged per cheque leaf. 02.01.2024
80 3.7.1.2 Check Issuance TRY 300   1000   Charged per transaction. BSMV is excluded. 02.01.2024
81 3.7.1.3 Specialized Check Issuance TRY 300   1000   Charged per transaction. BSMV is excluded. 02.01.2024
82 3.7.2. Check Return Fee TRY 100   200   Charged per transaction. BSMV is excluded. 02.01.2024
83 3.7.3. Check Collection Fee          
84 3.7.3.1 Same Bank Check TRY 250   400   Charged per transaction. BSMV is excluded. 02.01.2024
85 3.7.3.2 Other Bank Check TRY 300   600   Charged per transaction. BSMV is excluded. 02.01.2024
86 3.7.3.3 Foreign Currency Check Collection (Other Bank) TRY 300   600   Charged per transaction. BSMV is excluded. 02.01.2024
  3.7.4. Check Certification and Correction Fee        
87 3.7.4.1 Unfunded Check Certification TRY 250   500   Charged per transaction. BSMV is excluded. 02.01.2024
88 3.7.4.2 Check Correction Right TRY 250   500   Charged per transaction. BSMV is excluded. 02.01.2024
  3.8. Promissory Note Transactions          
89 3.8.1. Promissory Note Information Fee TRY 100   200   Charged per transaction. BSMV is excluded. 02.01.2024
90 3.8.2. Promissory Note Return Fee TRY 100   200   Charged per transaction. BSMV is excluded. 02.01.2024
  3.8.3. Promissory Note Protest Processing Fee        
91 3.8.3.1 Promissory Note Protest TRY 200   500   It is collected per request (excluding notary fees). BSMV is excluded. 02.01.2024
92 3.8.3.2 Promissory Note Protest Removal TRY 200   500   It is collected per request (excluding notary fees). BSMV is excluded. 02.01.2024
93 3.8.4. Promissory Note Collection Fee        
94 3.8.4.1 Same Bank Promissory Note Collection TRY       %1,00 Charged per transaction. BSMV is excluded. 02.01.2024
95 3.8.4.2 Correspondent Bank Promissory Note Collection TRY       %1,00 Charged per transaction. BSMV is excluded. 02.01.2024
  4 Payment Systems            
  4,1 POS Fees              
96 4.1.1 POS Software/Hardware/Maintenance Fee - Physical POS    
97 4.1.2 POS Software/Hardware/Maintenance Fee - Virtual POS    
98 4.1.3 Lost/Damaged POS and Accessory Fee        
  4,2 Member Merchant Fees          
  4.2.1 Member Merchant Fee Cash/Installment        
99 4.2.1.1 Member Merchant Fee Cash          
100 4.2.1.2 Member Merchant Fee Installment (Additional Installment Rate)  
101 4.2.1.3 Member Merchant Fee Cash (Foreign Cards)      
102 4.2.1.4 Member Merchant Fee (Closed Circuit Card Systems)    
103 4.2.2 Block Solution Fee            
  4,3 Transactions Made with Commercial Cards      
  4.3.1 Commercial Card Membership Fee        
104 4.3.1.1 Commercial Card Membership (Primary Card)      
105 4.3.1.2 Commercial Card Membership (Additional Card)      
106 4.3.2 Cash Advance Fee            
  5 Special Products and Services within Four Categories    
  5.1. Commercial Loans            
  5.1.1. Coordinator Bank Service          
  5.1.2. Representation (Agent) Services in Single or Multi-Bank Financing  
  5.2. Foreign Trade            
  5.2.1. Overseas Company Intelligence        
  5.3. Cash Management            
107 5.3.1. Collection/Delivery of Valuable Documents or Cash Revenue/Valuable Metal Deliveries
108 5.3.2. Special System Compatible Statements        
109 5.3.3. Check and Promissory Note Integration        
110 5.3.4. Secure Payment System          
115 5.3.5. Standby Transfer Product          
  5.4. Payment Systems            
111 5.4.1. Member Merchant Special Campaign Service      
112 5.4.2. Free Commercial Card Campaign Participation      
113 5.4.3. Use of Blocked POS Receivables in Deferred Goods and Services Purchases

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