SWIFT codes in Turkey
TR · TRY
209 banks in Turkey, from AKBANK T.A.S. (AKBKTRIS) onward; every code carries TR as its country part.
Banks
209
SWIFT codes
4
Branches
19
Currency
TRY
Banks and SWIFT codes in Turkey
AAKBANK T.A.S.
| SWIFT/BIC | City |
|---|---|
AKBKTRISXXX | ISTANBUL |
AKBKTRIS888 | ISTANBUL |
AKBKTRIS999 | KOCAELI |
AKBKTRIS622 | MERSIN |
AKBKTRIS012 | DENIZLI |
TTURKIYE HALK BANKASI A.S. (HEAD OFFICE)
| SWIFT/BIC | City |
|---|---|
TRHBTR2A914 | ISTANBUL |
TRHBTR2A958 | ISTANBUL |
TRHBTR2A995 | ISTANBUL |
TRHBTR2AEXM | ISTANBUL |
TRHBTR2AFIS | ISTANBUL |
TTURKIYE IS BANKASI A.S.
| SWIFT/BIC | City |
|---|---|
ISBKTRISXXX | ISTANBUL |
ISBKTRISCUS | ISTANBUL |
ISBKTRISINT | ISTANBUL |
ISBKTRISISP | ISTANBUL |
YYAPI VE KREDI BANKASI A.S.
| SWIFT/BIC | City |
|---|---|
YAPITRISFAC | ISTANBUL |
YAPITRISFEX | ISTANBUL |
YAPITRISCRC | ISTANBUL |
YAPITRISCOR | ISTANBUL |
YAPITRISCOM | ISTANBUL |
Turkey SWIFT code questions
What does a Turkey SWIFT code look like?
AKBKTRISXXX (AKBANK T.A.S.): bank AKBK, country TR, location IS, branch XXX.
What are the SWIFT codes for major Turkish banks?
Key Turkish bank SWIFT codes include: Garanti BBVA — TGBATRIS, Türkiye İş Bankası — ISBKTRIS, Akbank — AKBKTRIS, Yapı Kredi — YAPITRIS, Ziraat Bankası — TCZBTR2A, Halkbank — TRHBTR2A, Vakıfbank — TVBATR2A, and HSBC Turkey — HSBCTRIS.
What is Turkey's IBAN format for international transfers?
Turkish IBANs are 26 characters long: TR followed by 2 check digits, 5 bank identifier digits, and 17 account digits. The full format is TR + 2 check digits + 5-digit bank code + 17-digit account number. When sending a SWIFT transfer to Turkey, provide both the Turkish IBAN and the bank's SWIFT/BIC code. The SWIFT code routes the payment to the correct bank; the IBAN identifies the specific account.
How long does a SWIFT transfer to Türkiye take?
SWIFT transfers to Türkiye typically arrive within one to three business days. Transfers from Germany and other European countries — major corridors for the Turkish diaspora — usually settle within one to two business days. Turkey's time zone (UTC+3) means transfers sent late in the European business day may be processed the following Turkish banking day.
Can I receive USD or EUR in a Turkish bank account?
Yes. Turkish banks offer foreign currency accounts (döviz hesabı) for USD, EUR, GBP, and other currencies. Given the TRY's historical depreciation, many Turkish residents prefer to hold savings in foreign currency before converting. Most major banks — Garanti BBVA, İş Bankası, Akbank — allow easy opening of foreign currency accounts alongside standard TRY accounts.
Are there CBRT or BDDK regulations affecting inbound international transfers?
Inbound foreign currency transfers above USD 50,000 equivalent must be reported by the receiving bank to the Central Bank of the Republic of Türkiye (CBRT) for balance-of-payments statistics. Business transfers require documentation such as invoices or contracts. Personal remittances are generally processed without additional steps. Turkey does not impose mandatory conversion of inbound foreign currency to TRY.
What is the EFT system in Turkey and how does it differ from SWIFT?
EFT (Elektronik Fon Transferi) is Turkey's domestic interbank electronic funds transfer system for TRY payments. FAST is Turkey's real-time domestic payment system. Both handle only TRY transfers within Turkey and cannot receive international payments. SWIFT is used for cross-border transfers. After an international SWIFT transfer arrives at a Turkish bank, the bank credits the recipient's account through its internal systems.
Are there fees for receiving a SWIFT transfer in Türkiye?
Turkish banks typically charge an inbound wire processing fee, often TRY 50–300 or a small percentage of the amount. Currency conversion from USD or EUR to TRY includes an additional spread over the mid-market rate. For transfers from Germany — the largest corridor — many providers offer competitive rates and lower fees than standard bank-to-bank SWIFT.
How SWIFT works in Türkiye
The Central Bank of the Republic of Türkiye (CBRT) oversees monetary policy and foreign exchange, while the Banking Regulation and Supervision Agency (BDDK) regulates the banking sector. Turkey's domestic payment system uses the EFT (Electronic Fund Transfer) network for TRY transfers and FAST for real-time payments, both of which are separate from SWIFT. Major Turkish banks — Garanti BBVA, İş Bankası, Akbank, and Yapı Kredi — are well-connected internationally via SWIFT.
- The four largest Turkish private banks for SWIFT transactions are Garanti BBVA (TGBATRIS), Türkiye İş Bankası (ISBKTRIS), Akbank (AKBKTRIS), and Yapı Kredi (YAPITRIS). State-owned banks Ziraat Bankası and Halkbank also process significant SWIFT volumes and are commonly used by Turkish expatriates sending money home.
- Turkey has experienced high inflation and TRY depreciation in recent years, which makes the choice of settlement currency important. Senders can instruct the transfer in USD or EUR, which the recipient can hold in a foreign currency account (döviz hesabı) at most Turkish banks. Converting large amounts at the bank's TRY rate on a single day can be costly — consider staggering conversions or using a bank's döviz account facility.
- Turkey's financial regulations require that inbound foreign currency transfers above USD 50,000 be reported by the receiving bank to CBRT for balance-of-payments statistics. Business transfers require a declaration of purpose and may need supporting documentation. Personal remittances are typically processed without additional requirements.
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Turkey IBANs run 26 characters, e.g. TR33 0006 1005 1978 6457 8413 26.
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