We will learn how to open a Turkish bank account for a foreigner in 2022. If you have a residence permit, we have already written how to apply for a residence permit in Turkey, then opening a bank account is not difficult. It is impossible to open an account for a foreigner who does not have a residence permit and a permanent residence address in the territory of the Republic of Turkey.
This is due to the laws of the country, which oblige the bank to provide a document confirming registration when concluding an agreement. This could be a TAPU (Proof of Ownership of Residential Property), a lease agreement, or a utility bill.
Step-by-step instructions for opening a Turkish bank account
Step #1. Get an individual tax number. |
The SSN is issued by the Tax Office (Vergi Dairesi Müdürlüğü) of the city municipality. You only need to take your passport and its copy with you. If there is no queue at the office, the registration time will be about 15-20 minutes. In some departments (cities), SSN can be issued online on the website of the department. Finding your office is easy: Google Vergi Dairesi Müdürlüğü + the name of your mahalle (mahalle - district).
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Step #2. Collect a standard package of documents. |
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Step #3. Sign an agreement. |
After checking the documents, a bank employee fills out a questionnaire, and you sign it and a banking service agreement. Immediately after that, the current account is opened and active. But, you can get a plastic card in 5-7 business days. |
Which Turkish bank to choose for a foreigner
There are more than 54 banks in Turkey, which one you choose is up to you. But, we recommend opening the first account in a large institution with a large number of branches and a network of ATMs. The selection criterion in this case will not be profitability for reliability.
State Banks of Turkey |
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Name | website | assets |
year of foundation |
Ziraat Bankası A.Ş. | ziraatbank.com.tr | ₺943 bn (2020) | 1863 |
Vakıflar Bankası T.A.O. | vakifbank.com.tr | ₺698 bn (2020) | 1954 |
Halk Bankası A.Ş. | halkbank.com.tr | ₺680 bn (2020) | 1938 |
Private banks in Turkey |
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Name | website | assets |
year of foundation |
İş Bankası A.Ş. | isbank.com.tr | ₺718 bn (2020) | 1924 |
Garanti BBVA | garantibbva.com.tr | ₺540 bn (2020) | 1946 |
Akbank T.A.Ş. | akbank.com | ₺446 bn (2020) | 1948 |
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