Interest Rates & Fees

  TL USD
Retail Interest Rate %2,25 %1,80
Cash Advance Interest Rate %2,25 %1,80
Late Payment Interest Rate %2,75 %2,30
  Primary Card Annual Fee Supplementary Card Annual Fee Renewal Fee* Supplementary Card Renewal Fee*
CardFinans 117 TL 58,5 TL 10 TL 5 TL
CardFinans Xtra 135 TL 67,5 TL 10 TL 5 TL
CardFinans GO (Student)** 28,5 TL 14,25 TL 10 TL 5 TL
CardFinans GO (Employee)** 90 TL 45 TL 10 TL 5 TL
CardFinans GO Angry Birds (Student)** 28,5 TL 14,25 TL 10 TL 5 TL
CardFinans GO Angry Birds (Employee)** 67 TL - 10 TL 5 TL
Hemşire Kart - - 10 TL 5 TL
ClubFinans*** 200 TL/150 TL 75 TL 10 TL 5 TL
Xclusive**** 200 TL 75 TL 10 TL 5 TL
CardFinans Emekli***** 33 TL 16,5 TL 10 TL 5 TL
CardFinans Bursaspor 103 TL 51,50 TL 10 TL 5 TL
Fenerbahçe CardFinans Classic 103 TL 51,50 TL 10 TL 5 TL
Fenerbahçe CardFinans Gold 117 TL 58,50 TL 10 TL 5 TL
Fenerbahçe CardFinans Platinum 135 TL 67,50 TL 10 TL 5 TL
CardFinans Trabzonspor 103 TL 51,50 TL 10 TL 5 TL
CardFinans On-Air 103 TL 51,50 TL 10 TL 5 TL
CardFinans Troy 85 TL 42,5 TL 10 TL 5 TL

* BSMV Included. The first 2 renewal is free of charge in every calendar year.

** Annual fee is 11 TL for the first year of CardFinans GO(Student), CardFinans GO(Employee), CardFinans GO Angry Birds(Student), CardFinans GO Angry Birds(Employee).

*** First year annual fee is 200 TL for ClubFinans, first year annual fee is 100 TL for ClubFinans Supplementary Card. No annual card fee will be charged for ClubFinans customers who have annually average savings above 100.000 TL in deposit and investment products of QNB Finansbank in a calendar month. Savings in enpara.com will not be included to annually average savings in QNB Finansbank. QNB Finansbank reserves the right to change the conditions. Customers will be informed in case of a change.

**** First year annual fee is 500 TL for Xclusive. First year annual fee is 100 TL for Xclusive Supplementary Card. No Xclusive card fee will be charged for the first year to customers who have average savings of 100.000 TL more in deposit and investment products of QNB Finansbank in a calendar month. QNB Finansbank reserves the right to change the conditions. Customers will be informed in case of a change.

***** No annual fees will be charged for the first year of CardFinans Emekli and CardFinans Emekli Supplementary Card.

QNB Finansbank Alternative Distribution Channels Cash Advance Fee 12 TL + 3,75% of the Amount of Cash Advance
Foreign Cash Advance Fee (for USD statements) 7 USD + 3,75% of the Amount of Cash Advance
Foreign Cash Advance Fee (for TL statements) 12 TL + 3,75% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks 14 TL + 3,75% of the Amount of Cash Advance
QNB Finansbank Alternative Distribution Channels Cash Advance Fee – CardFinans Fix 14 TL + 3,75% of the Amount of Cash Advance
Foreign Cash Advance Fee (for USD statements) – CardFinans Fix 9 USD + 3,75% of the Amount of Cash Advance
Foreign Cash Advance Fee (for TL statements) – CardFinans Fix 14 TL + 3,75% of the Amount of Cash Advance
Domestic Cash Advance Fee via Other Banks – CardFinans Fix 16 TL + 3,75% of the Amount of Cash Advance
Past Period Statement Fee****** Printed statement 10 TL, E-mail / Fax statement 5 TL
SGK Transaction Fee QNB Finansbank Payment Channel 2,5%, Excluding BSMV (Minimum 5 TL)
SGK Transaction Fee SGK Payment Channel 2,50%, Including BSMV
Utility Payment Fee******* 4.5 TL per payment (Including BSMV)
PTT Payment Fee 3 TL from Branch, 1.50 TL from PTT Matik, 1 TL from PTTBank İnternet Branch and Mobile
BKM Express SendMoney Transaction Fee %4,5
One-time transfer fee 6%, minimum 10 TL
Automated transfer fee 3%, minimum 5 TL
One-time transfer fee – CardFinans Fix 5%, minimum 10 TL
Automated transfer fee – CardFinans Fix 3%, minimum 5 TL (BSMV excluded)
Credi card debt payment via other bank ATM’s %2,85 + 0,55 TL (BSMV excluded)

****** The fee is only charged when the statement is issued at least 1 year ago. BSMV Included.

******* This fee is only charged for one time payments. Automated utility payments are free of charge.