TurkeyTRYTurkish Lira
Lire to a landlord in Antalya or to an Is Bankasi card - without Western intermediary banks. Rubles, dollars or USDT: we credit TRY at market rate. Commission from 0.9%, route is agreed before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Turkey remains one of the most active destinations for ATM24 since 2022. Antalya, Alanya, Istanbul and Bodrum have become major centers of the Russian diaspora: many Russians have relocated to Turkey for permanent residence or spend a significant part of the year in the country. Money transfers are used to pay for rent, education, everyday expenses, as well as to support relatives in Russia when sending transfers in the opposite direction. The main feature of the Turkish direction is the high volatility of the Turkish lira (TRY). The TRY rate is historically unstable and has changed significantly in recent years. Therefore, the transfer rate is fixed at the moment of request confirmation: delaying the application to the next day is not always beneficial, as rate changes are possible even within the same day. Turkish banks generally continue to work with transfers from Russia, however, some banks have strengthened compliance checks due to secondary sanctions risks, so the available route and recipient bank are clarified before payment.
Papara is one of Turkey's largest neobanks and a popular financial service among Russian-speaking expats in Antalya. To deposit to a bank account in Turkey, you need an IBAN starting with TR and containing 26 characters, and for international transfers you may also need the BIC/SWIFT details of the recipient bank - these should be clarified in advance. Crediting to an account via SWIFT takes 2 to 4 business days after ATM24 confirms your request. For a domestic transfer within Turkey, the credit time is from a few minutes.
Turkey's payment ecosystem: main payment systems and services. Category / System or wallet / Description. Neobank Papara - one of Turkey's largest fintech services: e-wallet, card and money transfers; popular among expats as well. QR payments BKM Express - Turkey's national payment service for online payments. PayCell wallet (Turkcell) - e-wallet of Turkcell operator for transfers, payments and payment of services. Fast transfers FAST (Havale) - Turkish system of instant interbank transfers, operating around the clock. Regulator BDDK - Banking Regulation and Supervision Agency of Turkey. Banks in Turkey usually operate Mon–Fri from 9:00 to 17:00 local time (UTC+3); on Saturdays most banks are closed, and online banking is available 24/7.
Visa and Mastercard from Turkish banks: Is Bankasi, Ziraat, Garanti BBVA, Akbank. You need 16 card digits and the recipient's full name as in documents. TRY credit - within a few minutes, commission from 0.9%
TRY distribution through a partner network in major cities of Turkey. Popular for paying rent in cash. Current list of cities and distribution points - ask your manager when submitting your request
Card details and transfer route are agreed with the manager before payment - this locks in the rate and lire exchange rate for your specific situation.
We accept RUB, USD, EUR and USDT — we pay out in TRY
RUB TRY
0.5186per 1 RUB
10 000 ₽ = 5 186 TRYUSD TRY
46.5per 1 USD
100 $ = 4 650 TRYEUR TRY
52.71per 1 EUR
100 € = 5 271 TRYUSDT TRY
46.5per 1 USDT
100 USDT = 4 650 TRY| You send | Payout in TRY |
|---|---|
| 100 USDT | 4 650 TRY |
| 300 USDT | 13 949 TRY |
| 500 USDT | 23 248 TRY |
| 1 000 USDT | 46 495 TRY |
| 5 000 USDT | 232 477 TRY |
Where recipients usually get the money in Turkey
State bank, largest in Turkey by assets. Extensive network in cities and rural areas.
İş Bankası Isbank — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Garanti BBVA Turkey — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Halkbank Turkey — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Major private bank, in top-5 by assets. Visa and Mastercard, wide presence.
National currency
Turkey's national currency is TRY (Turkish lira). ATM24 credits in Turkish lire: RUB, USD or USDT are converted to TRY at the current rate without additional intermediate conversions.
Card systems
National system Troy - Turkey's national payment system. Visa and Mastercard are also widely distributed in the country. Troy cards are mainly used within Turkey, whereas Visa and Mastercard are suitable for international transactions.
Payment applications
Mobile applications Garanti Pay, Akbank Direkt and İşCep are among the popular mobile banking solutions in Turkey.
Interbank transfers
QR payments and P2P transfers by phone number are widely used for everyday payments. EFT (Electronic Funds Transfer) interbank transfers are the standard banking transfer system in Turkey, operating on business days; credits usually occur on the same day. Banks in Turkey usually operate Mon–Fri from 9:00 to 17:00 local time (UTC+3).
Financial regulator
The country's financial regulator is the Central Bank of the Turkish Republic (TCMB), which conducts monetary policy, sets the key rate and regulates currency and cross-border operations.
Special features for ATM24
Transfers via EFT are processed during banking hours, while card credits can be available around the clock.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Very cool service. The issue was resolved promptly. With no commissions. Friendly courier. I recommend!!!
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Everything's great! Emil guided and explained everything. Accompanied me fully until I received the money.
Read full reviewTrustpilot
The exchange went great with the courier. I received the money in less than half an hour. I transferred from a Russian card. Thanks to manager Stanislav for the help.
Read full reviewThey promptly transferred cashless rubles and withdrew cash baht in Thailand without cards. Gorgeous service! You can do a transfer, or have cash delivered by courier. We were in a store and didn’t have time to wait for a courier, so we used the transfer. I recommend! I hope to use such a convenient service in other countries too. The rate, by the way, is excellent!
Read full reviewSaw an ad on YouTube, checked the site, until the last moment I thought it was some scam, but was pleasantly surprised. They worked precisely, quickly, promptly. Definitely recommend.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers to common questions about money in Turkey, lire, and transfers from Russia.
Sending money to Turkey with payout in TRY works best when the Turkey TRY payout route is checked before the sender pays. ATM24 verifies the route through a bank such as İş Bankası or Akbank, confirms the final payout amount, and shows the fee and timing in advance. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
A card or bank-account payout in Turkey in TRY is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Turkey TRY payout route. The manager confirms the selected bank, such as İş Bankası or Akbank, before payment because card and account rules may differ. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
Banks for a TRY transfer to Turkey should be checked by the recipient's actual route; common references include İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası. ATM24 reviews bank name, account format, recipient-name spelling, and payout currency before the sender pays. A different bank can require a separate check.
For Turkey, ATM24 does not use one universal recipient form for every TRY transfer. The details are checked by route: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası, card payout, account payout, or a service route such as Papara. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
A TRY transfer to Turkey can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Turkey TRY payout route, İş Bankası, Ziraat Bankası, Akbank, card route, account route, or a service route such as Papara, and recipient-name matching against the selected bank record. The expected payout window is shown before payment. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
ATM24 calculates a transfer fee from 0.9% for payouts to Turkey in TRY. The final figure depends on the Turkey TRY payout route, amount, payment method, bank such as Ziraat Bankası, and whether the recipient receives money on a card or account. The sender sees the final payout amount before paying. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
Yes, ATM24 can calculate a transfer to Turkey in TRY where the sender pays by an available payment method. The manager checks whether payout should go through Papara, a bank-issued card, or a bank such as İş Bankası. The Turkey TRY payout route is confirmed separately from card-issuer fees, sending-bank costs, and USDT network costs. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
For Turkey, the minimum TRY transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks İş Bankası, Ziraat Bankası, recipient details, payout method, and document requirements before payment. A route through Ziraat Bankası may have different limits than a card or non-bank payout. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
For a large TRY transfer to Turkey, ATM24 reviews documents around Turkey TRY payout route, İş Bankası, Ziraat Bankası, recipient-name match, route limit, payment purpose, source-of-funds review, and recipient-name matching against the selected bank record. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
If you send 1000 USD to Turkey, the recipient amount in TRY is not a generic market-rate number: 46,495.38 TRY. The calculation uses the payout route, bank such as Akbank, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Turkey: İş Bankası, Ziraat Bankası, Akbank, VakıfBank, and Halk Bankası.
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