Yapı Kredi for Foreigners: SWIFT Codes, Currency ATMs, Fees
Yapı Kredi’s two SWIFT codes by currency, its currency ATMs and the dated fee rows for transfers, cash and Western Union, checked 21.10.2026.
Table of Contents
Yapı Kredi (YAPI VE KREDİ BANKASI A.Ş.) is on the list of deposit banks kept by Türkiye’s banking regulator (BDDK). For money sent to it from abroad it publishes two SWIFT codes: YAPITRISXXX for US dollars, euros and lira, and YAPITRISFEX for eight other currencies.
In short · checked 21.10.2026
Two codes for money in, and the currency picks which.
- YAPITRISXXX for USD, EUR and lira sent from a bank abroad. YAPITRISFEX for GBP, SEK, JPY, KWD, CHF, AUD, DKK and NOK.
- Currency ATMs pay out EUR and USD and take in EUR, USD and GBP.
- Money in: 0.6 %, at least 1,176.19 TL and at most 7,335.72 TL, plus BSMV, a tax added on top of bank fees (row dated 08.01.2026).
- SWIFT out from the app: 1,238.09 to 3,033.33 TL before tax, depending on when the money should arrive (rows dated 08.01.2026). At a branch: 2,538.09 to 12,380.95 TL.
- Inside Türkiye a FAST transfer in the app costs 7.97 TL up to 8,300 TL (row dated 06.01.2026); the limit is 300,000 TL from 26.08.2026. FAST is the instant payment system of Türkiye’s central bank (TCMB).
Yapı Kredi’s own pages · checked 21.10.2026
Open the drawer: one currency, its code and its machines
The code to give a sender: two codes, one rule
Yapı Kredi’s SWIFT page names two codes for transfers into the bank from other banks in Türkiye and abroad. USD and EUR go to YAPITRISXXX, and so does lira sent from a bank abroad. GBP, SEK, JPY, KWD, CHF, AUD, DKK and NOK go to YAPITRISFEX.
Yapı Kredi’s SWIFT page · checked 21.10.2026
XXX for dollars, euros and lira. FEX for the other eight.
The two codes share their first eight letters, YAPITRIS. Only the last three differ, and the currency of the transfer decides which ending the sender writes.
What it costs. For an incoming foreign-currency transfer the tariff prints 0.6 %, with a lowest fee of 1,176.19 TL and a highest of 7,335.72 TL, all before tax (row dated 08.01.2026). Research or return of a SWIFT that arrived in error is priced apart: 795 to 4,005 TL before tax (row dated 29.01.2026).
Yapı Kredi shows its dollar, euro and other exchange rates live in Yapı Kredi Mobile and the Internet Branch.
BSMV
BSMV is Türkiye’s banking and insurance transactions tax (Banka ve Sigorta Muameleleri Vergisi). Where a tariff row says BSMV hariç, the tax is added on top of the figure. The rows for other banks’ ATMs say it is included.
Sending money abroad: SWIFT and Global Fast
From the app or the Internet Branch, an outgoing foreign-currency SWIFT costs 1,238.09 to 3,033.33 TL before tax, depending on when the money should arrive. At a branch it costs 2,538.09 to 12,380.95 TL. Global Fast is the bank’s own fast transfer abroad, in the app, priced separately.
- Receiving bankIts SWIFT code, or its country, city and name.
- ReceiverName, surname, address and country.
- DateThe day the transfer is to go out.
- Cut-off 16:45Before 16:45 in banking hours, the value date (the day the money is credited) is two business days away. Instructions given later go in with a future date, says the SWIFT page.
| Money arrives | App, Internet Branch, phone | Branch |
|---|---|---|
| Same day | 1,547.62 – 3,033.33 TL | 2,785.72 – 12,380.95 TL |
| Next day | 1,423.81 – 2,909.53 TL | 2,661.91 – 12,195.24 TL |
| Later date | 1,238.09 – 2,785.72 TL | 2,538.09 – 12,071.43 TL |
What the tariff adds on top
- A correspondent-bank fee is charged separately if the receiver is to get the net amount. For payments to Turkish banks it can be passed on even when “receiver pays” is chosen.
- Foreign-currency payments use the branch’s exchange rate of the day.
- For lira sent abroad, a commission of up to 5 % can be charged.
25+ countries
Sent from Yapı Kredi Mobile, at any hour. The bank names Germany, the UK, Switzerland, Italy, Spain, the USA, Thailand, Australia and India among them.
80+ countries
The bank names Germany, the UK, the USA and Canada among them. At most 5,000 USD or the equivalent, or three transactions, at a time.
Global Fast sends TL, EUR, USD or the receiving country’s own currency. It is for individual customers, and not every Yapı Kredi card can send: the app lists the cards that can.
Transfers inside Türkiye: FAST, EFT and havale
FAST is the TCMB’s instant payment system, in use since 8 January 2021 and open at every hour of the day. From 26 August 2026 one FAST transfer can be up to 300,000 TL, up from 100,000 TL (TCMB release 2026-36). Yapı Kredi prices FAST, EFT and havale by channel and by amount band.
Which transfer?
FAST
App and Internet Branch
- 7.97 TLup to 8,300 TL
- 15.96 TL8,300.01 – 399,000 TLthe bank’s row: FAST up to 300,000 TL
Rows dated 06.01.2026 (step 1) and 26.08.2026 (step 2) · before tax · checked 21.10.2026
EFT
App and Internet Branch
- 7.97 TLup to 8,300 TL
- 15.96 TL8,300.01 – 399,000 TL
- 199.41 TLabove 399,000 TL
Rows dated 06.01.2026 (steps 1–2) and 06.01.2025 (step 3) · before tax · standing orders use the same tariff · checked 21.10.2026
Branch and other
- 39.87 TLup to 8,300 TL
- 79.76 TL8,300.01 – 399,000 TL
- 797.68 TLabove 399,000 TL
Rows dated 06.01.2026 · before tax · checked 21.10.2026
An EFT sent between 16:00 and 17:20 is priced the same, says the tariff.
Havale
App and Internet Branch
- 3.99 TLup to 8,300 TL
- 7.98 TL8,300.01 – 399,000 TL
- 99.71 TLabove 399,000 TL
Rows dated 06.01.2026 · before tax · standing orders use the same tariff · checked 21.10.2026
Branch and other
- 19.94 TLup to 8,300 TL
- 39.88 TL8,300.01 – 399,000 TL
- 398.84 TLabove 399,000 TL
Rows dated 06.01.2026 · before tax · checked 21.10.2026
Cash: currency ATMs and other machines
At the bank’s own currency ATMs you can take out EUR and USD from the foreign-currency accounts linked to your card, and pay in EUR, USD and GBP to your own or another Yapı Kredi account. Other banks’ machines in Türkiye cost 1.15 % plus 1.04 TL per withdrawal, and abroad a TLcard withdrawal costs 4 to 9 USD.
Link a foreign-currency account to your card
- In the appOpen Kartlarım > Karta Hesap Bağlama ÇıkarmaMy cards > link or unlink an account to a card
- In the Internet BranchOpen Kartlarım > Kart Hizmetleri > Diğer İşlemler ve Yetkilendirme > Karta Hesap Bağlama/ÇıkarmaMy cards > card services > other operations and authorisation > link or unlink an account to a card
| Where | Fee | Row dated |
|---|---|---|
| Another bank’s ATM in Türkiye: withdrawal or deposit | 1.15 % of the amount plus 1.04 TL, tax included | 27.12.2024 |
| Another bank’s ATM in Türkiye: balance query | 0.27 TL, tax included | 27.12.2024 |
| Abroad, cash withdrawal with a TLcard, Play TLcard or Platinum TLcard | 4 to 9 USD, rate column 1.5 %, before tax | 10.08.2026 |
| Withdrawal above the daily ATM limit | from 13.40 TL, rate column 2.9 %, before tax | 03.12.2025 |
| Cash paid into your own account, or by a third person at the account’s branch | No fee | 18.07.2018 |
Tax paperwork: CRS and FATCA
Yapı Kredi asks account holders which country they are tax resident in. If the address you give is in another country, the branch prepares a personal declaration form from your details for you to sign. An unsigned declaration is not valid, says the bank’s CRS and FATCA page.
- Handing it in. If you do not sign it at the branch when opening, you can deliver a signed form to any branch within 60 days of opening the account or of an address change.
- If you do not. The bank then posts a letter with the form. If nothing is declared within 30 days of that letter, your tax residence is set from the country data the bank holds.
- Papers that can back the declaration. A residence document, a tax-residence certificate, a passport, an ID showing where you live, another public document, or electricity, water or phone bills in your name.
- No tax number yet. The form can be filled in without one if you tick one of the printed reasons. You can send the number to the branch in writing later.
- What the bank looks at. Address and residence data, phone number, nationality and country of birth.
For Türkiye the bank states the rule this way: a person is tax resident if their legal residence is in Türkiye, or if they live there continuously for at least six months in a calendar year. It adds that each country defines tax residence for itself.
FATCA concerns US persons. The bank’s page says that a customer with a US indicator who gives no declaration is treated as non-compliant, and that account details can be reported at the request of the Revenue Administration (GİB). The agreement between the US and Türkiye entered into force on 14 June 2021.
A Turkish tax number is a separate matter. GİB runs an online form, Yabancılar İçin Potansiyel Vergi Kimlik Numarası Başvurusu (potential tax number application for foreigners), that asks for name, passport number, country, the names of both parents, phone and address.
Sources: Yapı Kredi’s CRS and FATCA page and the GİB form page, checked 21.10.2026.
Two branch services: Western Union and safe-deposit boxes
Western Union at the counter
Yapı Kredi offers Western Union at all its branches, on a network of 200+ countries and territories and 410,000+ locations. A valid ID is all that is needed: neither sender nor receiver has to hold an account. One transfer is up to 7,500 USD or the equivalent in EUR.
Details by phone: 444 0 444 or 0850 222 0 444. The service itself is covered in the guide to Western Union in Türkiye.
Safe-deposit boxes
The bank offers three sizes. Up to three partners can rent one box, and the bank insures all boxes against burglary. To rent one, visit a branch.
The tariff prints one annual rent and the same amount as deposit for each size, before tax (rows dated 06.01.2026, checked 21.10.2026).
17,000 TL a year
Deposit: 17,000 TL.
22,671.43 TL a year
Deposit: 22,671.43 TL.
28,333.33 TL a year
Deposit: 28,333.33 TL.
Short answers
What is Yapı Kredi’s SWIFT code?
YAPITRISXXX for USD, EUR and lira sent from a bank abroad. YAPITRISFEX for GBP, SEK, JPY, KWD, CHF, AUD, DKK and NOK.
What does an incoming foreign-currency transfer cost?
0.6 %, not less than 1,176.19 TL and not more than 7,335.72 TL, before tax. The row is dated 08.01.2026; checked 21.10.2026.
Can I take out foreign cash at an ATM?
At the bank’s currency ATMs you can take out EUR and USD from the foreign-currency accounts linked to your card. They take in EUR, USD and GBP.
How do I link a foreign-currency account to my card?
In the app: Kartlarım > Karta Hesap Bağlama Çıkarma. In the Internet Branch: Kartlarım > Kart Hizmetleri > Diğer İşlemler ve Yetkilendirme > Karta Hesap Bağlama/Çıkarma.
What is the FAST limit?
300,000 TL per transfer from 26 August 2026, up from 100,000 TL, says the TCMB.
What is the SWIFT cut-off?
16:45 in banking hours. Before then, the value date (the day the money is credited) is two business days away; later instructions go in with a future date.
How much can I send with Western Union at a branch?
One transfer is up to 7,500 USD or the equivalent in EUR. A valid ID is needed; sender and receiver need no account.
Is there a fee for paying cash into my own account?
No. The tariff row for cash paid into your own account, or by a third person at the account’s branch, carries no fee (row dated 18.07.2018).
Sources
Show the pages checked
- Swift Transfer — Yapı Kredi, checked 21.10.2026
- Yapı Kredi Döviz ATM’leri — Yapı Kredi, checked 21.10.2026
- Global Fast — Yapı Kredi, checked 21.10.2026
- Bireysel Ürün ve Hizmet Ücretleri (page updated 09.10.2026) — Yapı Kredi, checked 21.10.2026
- Ortak ATM — Yapı Kredi, checked 21.10.2026
- CRS ve FATCA Uygulaması — Yapı Kredi, checked 21.10.2026
- Western Union (Banking for Foreigners) — Yapı Kredi, checked 21.10.2026
- Safe Deposit Boxes (Banking for Foreigners) — Yapı Kredi, checked 21.10.2026
- FAST Sistemi İşlem Tutar Limitinin Artırılması Hakkında Basın Duyurusu (2026-36) — TCMB, checked 21.10.2026
- Yabancılar İçin Potansiyel Vergi Kimlik Numarası Başvurusu — GİB, checked 21.10.2026
- Mevduat Bankaları — BDDK, checked 21.10.2026
