What is Instant Banking, what are the benefits of using it?
You can carry out various banking transactions that take important place in your everyday lives by accessing your Current TL and FX, time deposit and investment accounts 24 hours a day, 7 days a week through Instant Banking features such as Internet Branch, Telephone Branch and Bankamatiks without going to your branch.
Which transactions could I carry out via non-branch service channels of your bank?
Via our non-branch service channels, Internet Branch, Telephone Branch, Bankamatik, Call Center, İşCep and İşWap, you can carry out all of your transactions except for foreign commerce transactions.
In case of any question about the transactions, you can contact our Call Center by dialing 0 850 724 0 724 and pressing *.
If you want to carry on most of your transactions on our Internet Branch with the help of our customer representatives, all you have to do is dialing 2 and after than your 9-digit Customer number and 6 digit customer pin and press 0.
If you are having trouble in using non-branch service channels, you can receive help from our customer representatives by just pressing 5.9.6.1, even without entering your customer number and PIN.
How can I use your Instant Banking transactions?
It is enough to apply personally to an İşbank branch you desire with your identity card, signing Banking Services Contract. In accordance with your application, your branch will determine your customer number that you will use in your all Instant Banking transactions.
If you have a current TL account or credit card in İşbank, you can learn your customer number from your branch or our customer representative by calling 0 850 724 0 724. Your customer number is also written on your debit card. If you have an old version debit card which does not carry your customer number, you can apply to your branch or to us by calling 0 850 724 0 724.
After learning your customer number, the only thing you have to do is to call our Telephone Branch from 0 850 724 0 724 and press 9.3. In this case, you will be contacted to our Customer Representative and you may designate your 6-digit PIN if you answer security questions correctly and completely.
Please pay attention that your customer PIN does not begin with 0, does not include your birthday, consecutive numbers or repetition of the same numbers.
Is there any fee charged for my transactions carried out through Instant Banking channels?
Most of the transactions via our Instant Banking channels are free of charge, Commissions and fees of the transactions that can be done through Instant Banking channels are listed below.
Commission, Fee and Tariff of Fares (*):
Call Center (BSMV –Bank- Insurance Turnover Tax Included)
Money TransferMoney Transfer to Account: 7 TL.
EFTBetween branches of our bank;
To Account: 7 TL
FX Transfer to Domestic/Abroad BanksForeign Currency Transfer to Domestic or Abroad Banks: 0.5% (one-half of one percent) no less than 15 USD,
Payment of Abroad Foreign Currency Transfer
Provided that the beneficiary party transfers within the first 15 days via Instant Banking, the transfer is confirmed in our system. A 0.5 (one-half of one percent) commission, not less than 32 TL and not more than 900 TL, will be charged. No commission is charged for transferring this currency into TL accounts.
Tender
3,15 TL for an offer and 6.3 TL for a Non-Competitive Offer (ROT) are charged as transaction fees
0.1% ( one-tenth of one percent) of the nominal amount of the TL-paid asset is charged in offers up to 100.000TL in case the auction demands are realized;
0.05% (five-hundredths of one percent) of the nominal amount of the asset is charged for offers of which the nominal amount is between 100.100 TL and 500.000 TL,
0,1% (one-tenth of one percent) of the nominal amount of the asset is charged in offers of which the nominal amount is up to €/$100.000 for foreign currency assets,
0.05% (five-hundredths of one percent) of the nominal amount of the asset is charged in offers of which the nominal amount is between €/$101.000 and 400.000.
Equities
0.04% ( four-hundredths of one percent)- 0.08% (eight-hundredths of one percent), not less than 2 TL, for stock exchange transactions
Repo Cancellation
Unless the rate is not changed within the day, daily repo can be canceled until 12.30 p.m. and 4-day or longer termed repos can be cancelled until 14:00 p.m. without being charged any commission.
If the rate is changed or repo is canceled before its’ term; a repo cancellation commission 0.04 (four-hundredths of one percent) over the repo amount is charged and 5% (one-half of one percent) Banking and Insurance Transactions Tax is deducted over the commission.
Abstract of Account-Statement
For sending a statement-abstract of account to fax, a fee of 0.5 TL is charged for sending it to a fax number in Istanbul, Izmir, and Ankara; a fee of 0.7 TL is charged for sending it to a fax number in other cities.
Internet Branch (BSMV – Bank-Insurance Turnover Tax Included)
Money Transfer
0,75TL***
Transfer to Mobile
1 TL
EFT2, 5 TL
For future dated transfer order for once only: 2,5 TL
Regular order: 2, 5 TL for once only after executing the first EFT transaction.
FX Transfer to Domestic/Abroad Banks
Free of charge
Inter branches of our bank: Transfer to Account and Name: Free of charge
Foreign Currency Transfer To Domestic or Abroad Banks: 0.2% (one-fifth of one percent), not less than $10
Provided that beneficiary party transfers within the first 15 days as of foreign currency transfer via Instant Banking is confirmed in our system, 0, 5% (one-half of one percent) commission, not less than 32 TL and not more than 900 TL will be charged. No commission is charged for transferring this currency into TL accounts.
Tender1,575 TL for offer and 3.15 TL for Non-Competitive Offer (ROT) transaction fees are charged.
Commissions for TL payable assets as following;
0.1% ( one-tenth of one percent) of the nominal amount of the asset is charged in offers of which the nominal amount is up to 100.000 TL
0,05% (five-hundredths of one percent) of the nominal amount of asset is charged in offers of which the nominal amount is 100.100 TL to 500.000 TL
0,1% ( one-tenth of one percent) of the nominal amount of asset is charged in offers of which the nominal amount is up to €/$100.000 – For foreign currency assets
0.05% (five-hundredths of one percent) of the nominal amount of asset is charged in offers of which the nominal amount is €/$100.100 to €/$400.000.
Equities
0.2% (one-fifth of one percent), not less than 1 TL for stock exchange orders (stock exchange transactions).
Repo Cancellation
-
Abstract of Account-Statement
For sending statement-abstract of account to fax; 0.5 TL is charged for sending it to a fax number in Istanbul, Izmir, and Ankara and 0.7 TL is charged for sending it to a fax number in other cities.
1,15 TL per statement for monthly periodic statement
Telephone Branch (BSMV- Bank-Insurance Turnover Tax Included)
Money Transfer
Free of charge
EFT
2,5 TL
Equities
0.2% (one-fifth of one percent), not less than 1 TL, for stock exchange orders (stock exchange transactions)
Abstract of Account-Statement
For sending statement-abstract of account to fax; 0.5 TL is charged for sending it to a fax number in Istanbul, Izmir, and Ankara and 0.7 TL is charged for sending it to a fax number in other cities. 1,15 TL per statement for monthly periodic statement
Bankamatik (BSMV- Bank-Insurance Turnover Tax Included)
Money Transfer
To account: 3 TL
Transfer to Mobile
Transaction with card: 3 TL.
Transaction without card: 10 TL.
EFT
EFT: 4 TL
Transfer to Account: 3 TL.
FX Transfer
0.5% (one-half of one percent) commission, not less than 32 TL is charged for the effective payment of FX transfer from abroad provided not exceeding 15 days as of the correspondent bank’s valor date. A salary deduction for absence is transacted for the time the exchange is kept in the account.
Equities
0.2% (one-fifth of one percent), not less than 1 TL, for stock exchange orders (stock exchange transactions)
Repo Cancellation
Unless the rate is changed within the day, 1,2,3-day repo may be canceled until 12.30 p.m.; 4-day or longer termed repo may be canceled until 14:00 p.m. without any commission on the same day; repo amount is returned during repo cancellation transaction provided that rate is changed or repo is renounced after specified hours however 0.04 (four-hundredths of one percent) repo cancellation commission over Repo amount and 5% (one-half of one percent) Bank-Insurance Turnover Tax over commission is deducted
Abstract of Account-StatementFree of charge
İşWap (BSMV – Bank-Insurance Turnover Tax Included)
Money Transfer
Free of charge
Transfer to Mobile
1 TL
EFT
Free of charge
Equities
0.2% (one-fifth of one percent) for stock exchange orders (Stock Exchange Transactions) not less than 1 TL.
İşCep (BSMV – Bank-Insurance Turnover Tax Included)
Money Transfer
Free of charge
Transfer to Mobile
1 TLEFT
Free of charge
Equities
0.2% (one-fifth of one percent) for stock exchange orders (Stock Exchange Transactions) not less than 1 TL
(*) Our commercial customers should get information from our branches about fees, commissions, and costs.
(**) The transactions,amount of 50 TL and more is free of charge
(***) The charges applied to money transfers from the accounts in Turkish Republic of Northern Cyprus (TRNC) Branches to our branches in Turkey and Money transfers from our Branches located in Turkey to the TRNC Branches are different.
(****) Only can be paid from Bankamatik (+)
How can I use Instant Banking when I’m abroad?
In order to use our Instant Banking System, you must have an account in one of İşbank branches. If you have an account or a credit card in İşbank, by using “Contact Us” form in www.isbank.com.tr web site you can send your account number and mailing address and then you will be informed with an e-mail about the required procedures. If you do not have any account or credit card in İşbank, a new account cannot be opened for our customers who apply from abroad, as our customer must apply to our branch personally with an identity proof in accordance with the Regulation Concerning Enforcement of the Law numbered 4208 on Prevention of Money Laundering.
What are Customer/Commercial Customer Number?
Customer / Commercial Customer Number: It is a 9-digit unchangeable number which is given you by your branch in order to follow all your TL/foreign currency accounts, EFT accounts, consumer loans, credit card, etc., information by gathering under the one number and to carry out all Instant Banking transactions. If your Customer / Commercial Customer number has less than 9 digits; you can use it as a 9- digit number by adding adequate number of zeros (0) on the beginning of your customer number.
What are Customer / Commercial PIN and Password; can I change them?
Customer/Commercial PIN: Customer/Commercial PIN is 6-digit number that we require from you to define. You can use this PIN for Internet and Telephone Banking.
If you are usingPersonal Internet Banking, as long as you have a customer number, you can define your Customer PIN via Telephone Banking from “Customer PIN” menu by pressing 5.9.1.1, or via Instant PIN application. Also, you can define it from our ATMs or get “Temporary PIN” from our branches.
If you are using Commercial Internet Banking, you can define Commercial PIN through our Telephone Branch.
• Call 0 850 724 0 724
• Press 9.3.
• Enter your Commercial Customer Number, press #
• Enter your User Code, press #
• When transferred to the Customer Representative, she / he will ask for your “registered province”,
if not found in the system, “birth date” will be asked. After giving the right answer to the question asked, Mobile Approval Code should be provided to the representative to proceed.
• After completing the steps mentioned above; to set your new Commercial PIN, dial it twice but ensure that you are following the rules for setting up a new Commercial PIN that are told.
If you want to get your Customer/Commercial PIN from a Bankamatik®, select “Other Transactions” menu from the main menu. Under this menu, you can define a 6-digit Customer/Commercial PIN easily by using “Initial Customer PIN Entry” menu.
If you want to define your Customer/Commercial PIN via Instant PIN on isbank.com.tr using your personal Bankamatik ® or Credit Cards, clickhere.
Password: It is a security measure which you’ll use along with your internet PIN to log in to our Personal Internet Branch. You may change your password, which should be composed of 8 to 16 digits and should include at least 3 letters and 3 numbers from “Personal Settings | Security Settings | PIN/Password” menu in Internet Branch
What should I do if my customer number is not composed of 9 digits?
You may add zero (s) to the beginning of your customer number and complete it to 9 digits. For example, if your customer number has eight digits, you should add a zero in the beginning of your number.
What should I do if I forget my customer number?
It is written on your debit card. If you have an old version of debit card on which your customer number does not exist, you can learn it from your branch or from our customer representative by calling 0 850 724 0 724 and dialing *.
How can I update my telephone information?
You can update your telephone information from Bankamatik, Internet Branch, and from our branches.
From Bankamatik: You can update your telephone information from “Update Information” menu after entering your customer number by using your debit or credit card.
From Internet Branch: If you are i-key or Mobile Signature user and at the same time your transaction security limit is open for money transfer - EFT transactions; you can update your telephone information through “Update Information > Communication Information> Mobile Phone” menu.
How can I change my registered e-mail address?
You may change your e-mail information registered in our system through “Update Information > Communication Information > E-mail” menu in our Internet Branch or through our customer representative in our Telephone branch at 0 850 724 0 724 by pressing * after dialing your customer number and PIN.
What is order update? How can I do it?
You can specify to what extent you want to use our Instant Banking services. There are 4 options available, these are:
• I want to use your Instant Banking System for information inquiry and my account statement transactions. I do not want to make any monetary transactions.
• I want to use your all Instant Banking services except for monetary transactions to 3rd parties such as money transfer and EFT.
• I want to use all of your Instant Banking services. However, I want to transfer money only to accounts that I will add via your branch or Instant Banking services.
• I want to use all of your Instant Banking services without any limitations and I want to make Money Transfer through your Instant Banking service to 3rd parties which I did not indicate in my orders.
Order updating transaction enables you to switch options that you specified in customer order form;
If your order is either “1” or “2” and you want to open your accounts to monetary transactions such as money transfer-EFT; you can update your orders only from the branch where your primary account was opened.
If your order is “3”or “0” and you want to change is to “0” and you want to close your accounts to monetary transactions such as money transfer-EFT; you can update your orders from Internet Branch or through our customer representative by calling our Telephone Branch at 0 850 724 0 724 and pressing *after dialing your customer number and PIN.
If you want to change your order from “3” to “0”, which means you want to open your account to money transfer-EFT transactions without order, you can update your order from “TRANSACTION RESTRICTIONS” menu in Internet Branch by using Mobile Approval Code sent to your registered mobile phone or if you use i-key from “TRANSACTION RESTRICTIONS” menu in Internet Branch without mobile approval. If you want to make this transaction via Call Center, you can make it through our customer representative by calling our Telephone Branch at 0 850 724 0 724 from your home, business or mobile phones, after dialing your customer number and telephone branch PIN and pressing *.
Why do I receive “You should control account type, number, and branch code” error message?
If you are sure the account number you enter is correct; you receive this warning since a customer number was created in your name before and the account is defined under this number. In this case, you may learn your customer number created before by applying to the branch where your account was opened.
Is there an hour limit for transactions carried out through Instant Banking channels?
Although there is no hour limitation for transactions made through Instant Banking channels, some transactions are carried out in certain hours taking into their feature into account.
EFT: This transaction is carried out between 9 a.m. and 5.00 p.m. on full days since it is made through the Central Bank and between 9 a.m. and 11.45 a.m. on half times. You may give order for EFT beside these hours and have your EFT done in following working day or any date you wish.
Repo: Forward repos of 1, 2, 3 days can be carried out between 10 a.m. and 12.30 p.m., other repos between 10 a.m. and 2 p.m. You may give order for Automatic Repo besides these hours and have up to 30-day termed repo as of the working day subsequent to your order.
On the other hand, maintenance work is carried out regularly in our system in order to increase our service quality and we cannot provide service through our Instant Banking channels during these work. Our planned work schedule for 2023 is presented below:
DATE
| OPENING HOUR | ESTIMATED TIME |
|---|
8 January 2023
| 04:00 | 20-30 minutes |
5 February 2023
| 04:00
| 20-30 minutes
|
5 March 2023
| 04:00
| 20-30 minutes
|
9 Aprıl 2023
| 04:00
| 20-30 minutes
|
7 May 2023
| 04:00
| 20-30 minutes
|
11 June 2023
| 04:00
| 20-30 minutes
|
What are my rights and liabilities within scope of Instant Banking?
Your right and liabilities related to Instant Banking are cited in Banking Services Contract.
How can I update my address info?
You can change your address information from our Branches, Internet Branch, and Telephone Branch by using your customer number and Customer PIN.
Communication Information of the Banking Regulation and Supervision Agency
THE BANKING REGULATION AND SUPERVISION AGENCY Ataturk Bulvarı No: 191 B Blok 06680 Kavaklıdere/Ankara
Phone: 0312 4556500
Fax: 0312 4241733
E- Mail:
Web Address:www.bddk.org.tr