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Contract reading

What TURKIYE FINANS legally published, but does not want you to read

Every clause below is published by TURKIYE FINANS itself, on its own website, today. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. Read from its own documents on .

Contracting entity: Türkiye Finans Katılım Bankası A.Ş.

sole discretionwithdrawalsdeemed acceptanceprofit voidingburden of proofdispute windowfraud liabilityhidden feebonus lockcounterparty

Türkiye Finans is a licensed Turkish bank, and its contract is harder than its marketing. The form you must sign says you have five working days to dispute a payment. The contract behind it says thirteen months. On a participation account your share of any loss is one hundred percent, and cashing out early hands your profit to the bank. Report a stolen card late and you carry the whole loss.

Back to TURKIYE FINANS

Contract risk

Money at risk
6.0/10

Where this contract sitsHow far this contract goes, overall. Under 2 is nothing beyond the ordinary; 6 to 9 means several clauses put money you have already earned at risk; 9 and above reads as designed to make payout refusable.

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
6
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
12
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
9
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
2

How the 12 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical6
Warning5
Notice1

The numbers in this contractFigures taken from this broker's own clauses, so the labels differ from broker to broker. The four in the panel above are the same on every report.

2 of these 4 figures come from a clause we rate critical, which means it can take your money or your profit rather than only delay it.

Critical5 working daysTime to complain. Jump to the clause this comes from.Signature form cuts your payment dispute window to five daysCritical100%Profit at risk. Jump to the clause this comes from.Savings account where all losses are yours and early exit takes the profit$500Fee you were not shown. Jump to the clause this comes from.You sign that you want no statements, then pay per page1 working daysWithdrawal limit. Jump to the clause this comes from.Cash from your current account needs notice the bank can extend

What the documents say

12 clauses worth knowing about, worst first, each quoted from TURKIYE FINANS's own files

01

The information form Türkiye Finans makes you sign says you have five working days to ask for a wrong or unauthorised payment to be put right. Clause 12.19 of the contract behind it gives you thirteen months. Both texts put the burden of proving it on you.

Why this matters

A fraudulent debit you spot three weeks later is still yours to challenge, but the paper you signed tells you it is far too late. Believe that page and you never complain.

Exhibit 1CriticalHarder than usual5 working days

Düzeltme talebi, her halükarda ödeme işleminin gerçekleştirilmesinden itibaren beş iş gününü aşamaz.
Clause Ek 1, madde 12 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.3
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Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026Signature form cuts your payment dispute window to five days (clause Ek 1, madde 12)This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

What it costsA wrong debit on a Monday is disputable until the Thursday under the signed form. Under clause 12.19 the same debit is disputable for thirteen months.

Set against a regulated standard: FCA (UK)

Firms licensed by the FCA must refund an unauthorised payment, carry the burden of proving the customer authorised it, and allow thirteen months to report one. This contract puts the burden on you in both texts, and its signature form states five working days.

TURKIYE FINANS is not licensed by this regulator, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 6A short deadline bites harder when the bank never had to check the instruction was really yours.
02

On a participation account your share of any loss is 100% and Türkiye Finans takes none, under clause 5.1. Take your money out before maturity and clause 5.11 pays you back only what you put in, even when the money made a profit. Clause 5.10 also lets the bank refuse the early withdrawal.

Why this matters

You need your savings in month four of a six month term. The profit your money earned stays with the bank, and if the pot lost money you carry that loss in full.

Exhibit 2CriticalHarder than usual100%

Müşteri, kâr zarar ortaklığına dayalı katılma hesaplarında (“katılma hesabı”) aynı vadeli fonların Bankaca işletilmesi sonucunda oluşan kâra, hesap cüzdanında belirlenen oranlarda katılmayı ve zarara katılma oranının ise yüzde yüz olduğunu, Banka’nın mevzuat gereği zarara katılmadığını kabul beyan ve taahhüt eder.
Clause 5.1 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.6
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Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026Savings account where all losses are yours and early exit takes the profit (clause 5.1)This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

What it costsYou place 100,000 TL for six months and withdraw in month four after the pool made a profit. Clause 5.11 pays you 100,000 TL and the profit stays with the bank.

Our readingLoss sharing is how a participation account works, and the bank not sharing the loss is set by Turkish law. Paying back only the principal when a profit was made is the part written in the bank's favour.

03

Türkiye Finans sells Happy Kart on the bonus you earn and spend. Clause 24.4 of the credit card agreement lets it wipe unused points at the end of each calendar year, and delete the points you built up with nothing in return if you cancel the card, let it lapse, or die. Clause 24.2 names Happy Kart as the one card whose points cannot be set against your card debt.

Why this matters

You shop for a year to build a bonus balance, then close the card. Your points vanish at that moment, and nobody owes you their value in cash or off your bill.

Exhibit 3CriticalHarder than usual

Muacceliyet şartlarından herhangi birinin vuku bulması ve Bankanın hesap kat ihtarnamesi göndermesi, hesabın kapatılması, Kart’ın iade edilmiş/ yenilenmemiş olması, Kart Hamilinin vefat etmesi, Kartın Kart Hamilinin isteği üzerine iptal edilmiş olması, Kartın kötü niyetli veya ticari kullanılması veya sözleşmeye aykırı kullanılması veya sözleşmenin Banka tarafından herhangi bir nedenle feshedilmiş olması vb. hallerde Kartta birikmiş olan puanlar, karşılıksız olarak silinir.
Clause 24.4 in Kredi Kartı Sözleşmesi ve Ekleri_TR, p.19
Downloaded from the broker's site on Open the reference
Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026The claim, on Turkish credit cards page, Happy Kart sectionThis capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file
Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026What the contract says, clause 24.4This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file
04

Clause 17.6 caps what you owe at 150 TL for the twenty four hours before you report a lost or stolen card. Miss that twenty four hour window and the same clause makes you liable for the full loss with no time limit. Clause 17.7 adds that anything spent earlier than those twenty four hours is yours too, even when you did report in time.

Why this matters

Your card is skimmed on a Friday and you notice on Monday. Under these two clauses every fraudulent withdrawal is yours to pay, and the 150 TL cap protects nothing.

Exhibit 4CriticalHarder than usual$150

Banka’ya yirmi dört saat içinde bildirimde bulunulmaması veya hukuka aykırı kullanımın ağır ihmalinden veya kastından kaynaklanması hallerinde Müşteri, herhangi bir süre ile sınırlı olmaksızın zararların tamamından sorumludur.
Clause 17.6 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.15
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Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026Card theft reported late leaves you carrying the whole loss (clause 17.6)This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

What it costsSomeone spends 40,000 TL on your card over a weekend and you report on Monday. Clause 17.7 leaves the whole 40,000 TL with you.

Set against a regulated standard: FCA (UK)

Firms licensed by the FCA must refund unauthorised card payments and can only push the loss onto the customer where the customer acted fraudulently or with gross negligence. This contract shifts the whole loss onto you for anything outside a twenty four hour window.

TURKIYE FINANS is not licensed by this regulator, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 7A twenty four hour reporting rule is far harder to meet when the same contract records that you asked for no statements.
05

On the TFX Target platform your loss can exceed the amount of the trade itself, which item 13.2 of the risk form states outright. Clause 3.5 lets Türkiye Finans close every one of your positions with no warning once your collateral drops below a level the bank sets, and watching that level is your job, not the bank's.

In plain words

Negative balance protection is a limit that stops you owing more than you put in. Without it, one fast market move can leave you owing the broker money on top of your deposit.

Why this matters

A fast move against you can leave you owing Türkiye Finans money on top of the collateral it already took. Nothing here writes that shortfall off.

Exhibit 5CriticalHarder than usual

Oluşacak fiyat hareketleri sonucunda Müşterinin kaybı, Platformda yapılan işlem tutarını dahi aşabilecektir.
Clause 13.2 in TFXTARGET Platformu Sözleşmesi ile Genel İşlem Şartlarına İlişkin Bilgilendirme ve Risk Formu, p.3
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Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026Your trading loss can run past what you put in (clause 13.2)This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus), ESMA (EU)

Firms licensed by the FCA, CySEC and other ESMA regimes must give retail clients negative balance protection on leveraged trading, so a client can never lose more than the money in the account. This contract says your loss can exceed the traded amount.

TURKIYE FINANS is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 8The bank both sets the price your position is measured against and picks the level at which it closes you out.

The form you sign gives you five days, the contract gives you thirteen months

Türkiye Finans states two different dispute deadlines in one file: five working days in the form you must sign, thirteen months in clause 12.19 behind it. Both texts put the burden of proof on you. Clause 14.2 treats a message from your email as yours and rules out refusing to pay when a stranger sent it, and clause 17.7 leaves card fraud older than twenty four hours entirely with you.

Proof and deadlines1 clause flagged

Clause 14.2 treats any message from your registered phone, email or fax as coming from you, and says Türkiye Finans need not check it or call you back. The same clause says you will not refuse to pay by claiming a third party sent it without your knowledge. Clause 14.4.2 adds that the bank is not liable for a copied signature, a trick or forgery.

Why this matters

Someone gets into your email and sends a transfer instruction. Under these clauses the payment stands, the loss is yours, and forgery is expressly not the bank's problem.

Exhibit 6CriticalHarder than usual

Söz konusu iletilerin üçüncü kişiler tarafından bilgisi ve rızası dışında gönderildiğini iddia ederek, ödemeden kaçınmayacağını, bankadan herhangi bir hak ve alacak talebinde bulunmayacağını, Banka’nın zararı olması halinde ilk talepte derhal, nakden ve defaten karşılayacağını kabul ve beyan eder.
Clause 14.2 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.14
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Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026Payment orders from your email are treated as yours (clause 14.2)This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

Türkiye Finans sells a bonus in Turkish and a bank in Arabic that its contracts do not match

The Happy Kart page tells you to earn bonus and spend it, while clause 24.4 of the credit card agreement deletes accumulated points with nothing paid back once the card ends, and clause 24.2 singles Happy Kart out as the card whose points cannot even reduce your bill. The Arabic site sells accounts, cards and mortgages with its own Arab customer line, and publishes no contract in Arabic. Its only link to the contracts shelf is written in Turkish.

Language arbitrage1 clause flagged

Türkiye Finans runs a full Arabic site with accounts, cards, gold, mortgages and a dedicated line for Arab customers. It publishes its individual banking agreement, its fee form and its trading contract in Turkish only. The one link out to those contracts on the Arabic home page is labelled in Turkish.

Why this matters

You can be sold an account entirely in Arabic and never read a line of what you agreed to. The clauses on early withdrawal and card fraud exist only in a language the marketing never used.

Exhibit 11WarningHarder than usual

Vadeden önce para çekilen hallerde hesaptaki tutarın tamamı için vade bozulmuş kabul edilir.
Clause 5.12 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.7
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Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026The claim, on Arabic participation accounts page, account features listVisit this page on the broker's siteDownload the full size image file
Our own capture of turkiyefinans.com.tr, taken on Aug 26, 2026What the contract says, clause 5.12Visit this page on the broker's siteDownload the full size image file

Türkiye Finans charges you per page for your own records

The fee form charges 50 TL to 500 TL a page for records older than a year, and clause 23.10 has you declare you never wanted statements in the first place. Clause 12.17 makes records free for one year only. A 5% transaction tax is added to every fee in the form.

Cost disclosure1 clause flagged

Clause 23.10 has you declare that you do not ask for a statement, an account summary or a receipt for any period. Clause 12.17 then makes records free only for a year after the transaction. After that year the fee form charges 50 TL to 500 TL a page, with a 5% transaction tax on top.

Why this matters

You need proof of a payment from two years ago for a court case or a tax return. A ten page history can cost you up to 5,000 TL before tax.

Exhibit 7WarningHarder than usual$500

Müşteri, belirli bir dönemi kapsayan ekstre ya da hesap özeti ve/veya dekont talep etmediğini kabul ve beyan eder.
Clause 23.10 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.18
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What it costsTen pages of records from three years ago cost between 500 TL and 5,000 TL, and the 5% transaction tax is added to that.

Cash from a current account arrives when Türkiye Finans is ready

Clause 4.2 requires one business day of notice before you can draw cash from your current account, then lets Türkiye Finans extend that one day as much as it decides is necessary. No outer limit is written anywhere. You pay the transport and storage costs in advance.

Reaching your cash1 clause flagged

Clause 4.2 lets you take cash out of your current account only after one business day of notice, so Türkiye Finans can prepare the money. The same clause then lets the bank stretch that one day as long as it decides is needed. You also pay the transport and storage costs in advance.

Why this matters

There is no outer limit on the wait. A current account is money you are meant to reach on demand, and this clause makes the date the bank's choice.

Exhibit 9WarningHarder than usual1 working days

Çekilmek istenen tutarın büyüklüğü, para birimi, Banka’nın ilgili tutarı hazır bulundurması için geçecek zaman ve Banka tarafından belirlenecek makul diğer nedenlerden ötürü Banka bir (1) işgünlük süreyi gerektiği kadar uzatmaya yetkilidir.
Clause 4.2 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.6
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Türkiye Finans quotes the price, takes the other side, and can cancel the trade

Item 5 of the TFX Target form lets Türkiye Finans change the rates on its own platform unilaterally and in any way it wishes, and using the platform counts as accepting those rates. Item 4 lets it cover your trade with whichever institution it chooses. Item 6 then lets it cancel trades struck at prices it judges unreasonably wrong and take back what it calls the probable unjust gain.

Who sets the price1 clause flagged

Türkiye Finans changes the exchange rates and metal prices on its own TFX Target platform however it wishes, under item 5, and trading there counts as accepting its prices. It covers its side of your trade with whichever institution it chooses. Item 6 then lets it cancel trades done at prices it judges unreasonably wrong and claw back what it calls the probable unjust gain.

Why this matters

There is no outside price to check yours against. The firm that quoted you decides afterwards whether its own quote counted.

Exhibit 8WarningHarder than usual

Banka piyasadaki en iyi alım-satım fiyatlarındaki değişimleri de dikkate alarak Platformdaki döviz kurunu – kıymetli maden fiyatlarını tek taraflı olarak, dilediği şekilde değiştirme yetkisine sahiptir.
Clause 5 in TFXTARGET Platformu Sözleşmesi ile Genel İşlem Şartlarına İlişkin Bilgilendirme ve Risk Formu, p.1
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After ten years of silence your money becomes the state fund's income

Clause 24.1 makes an account time barred after ten years with no request, transaction or instruction, profit share included. Türkiye Finans sends a registered letter only where the balance is 1,000 TL or more. Anything unclaimed by 15 June passes to the savings deposit insurance fund and is booked as that fund's income.

Forgotten accounts1 clause flagged

Leave an account alone for ten years and clause 24.1 makes everything in it time barred, profit share included. Türkiye Finans then writes to you only if the balance is 1,000 TL or more, under clause 24.2. Anything still unclaimed by 15 June moves to the savings deposit insurance fund and is booked as that fund's income.

Why this matters

Below 1,000 TL nobody posts you a letter, so a small forgotten account is announced on a website and in two newspapers and then it is gone.

Exhibit 10WarningStandard wording$1000

Müşteri’nin her bir ek hesabındaki tutarlar, havale bedelleri, alacak ve emanetler ile kar payları da dâhil olmak üzere her türlü katılım fonu, emanet ve alacaklar, hak sahibinin en son talebi, işlemi, herhangi bir yazılı talimatı tarihinden başlayarak on yıl içinde aranmaması halinde zaman aşımına uğrar.
Clause 24.1 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.20
Read from the broker's site on Archived copyOpen the reference

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Ten years with no activityEverything in the account becomes time barred, profit share included.24.1
1,000 TL or moreTürkiye Finans posts you a registered letter by the end of January.24.2
February to MayYour account goes on a list on the bank website for four months and into two national newspapers.24.2
15 JuneAnything still unclaimed passes to the savings deposit insurance fund and is booked as its income.24.3

A Turkish bank with deposit insurance written into the contract

Clause 1 names Türkiye Finans Katılım Bankası A.Ş. in Ümraniye, Istanbul as the party you contract with, and clause 23.16 puts your current and participation accounts inside the savings deposit insurance fund up to 1,200,000 TL. This is a Turkish participation bank in the Turkish banking regime, and its own trading contract names the BDDK as the regulator. The cover does not extend to a loss on a participation account.

In plain words

On a principal basis, as your counterparty, means the broker takes the other side of your trade itself. Your loss is then the firm’s gain, so it has an interest in how your trade ends.

The counterparty1 clause flagged

You contract with Türkiye Finans Katılım Bankası A.Ş. in Istanbul, named in clause 1. Clause 23.16 states that your current and participation accounts are insured by the savings deposit insurance fund, up to 1,200,000 TL per person at the date of signing. This is a Turkish bank inside the Turkish banking regime, not an offshore entity.

Why this matters

The insurance cover is real and it is written into your contract, which is more than most trading firms offer. It also stops at 1,200,000 TL, and it does not cover a loss on a participation account.

Exhibit 12NoticeStandard wording$1200000

İş bu Sözleşme İnkilâp Mah. Sokullu Cad. No: 6/3 Ümraniye - İSTANBUL adresinde yerleşik Türkiye Finans Katılım Bankası A.Ş. (“Banka” olarak anılacaktır) ile “Müşteri” arasında akdedilmiştir.
Clause 1 in Bankacılık İşlemleri Sözleşmesi Bireysel Dijital Nüsha, p.6
Read from the broker's site on Archived copyOpen the reference

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

The page sells a bonus you earn and spend, and clause 24.4 deletes it with nothing paid back once the card ends.

Said in public, in Turkish

Happy Kartınızla dünyanın her yerinde harcama yapabilir, alışveriş yaptıkça bonus kazanır, kazandığınız bonusları program üyesi iş yerlerinde harcayabilirsiniz.

Word for word in English: With your Happy Kart you can spend anywhere in the world, earn bonus as you shop, and spend the bonus you earn at businesses that are members of the programme.

Turkish credit cards page, Happy Kart section

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of turkiyefinans.com.tr

In the contract · clause 24.4

Muacceliyet şartlarından herhangi birinin vuku bulması ve Bankanın hesap kat ihtarnamesi göndermesi, hesabın kapatılması, Kart’ın iade edilmiş/ yenilenmemiş olması, Kart Hamilinin vefat etmesi, Kartın Kart Hamilinin isteği üzerine iptal edilmiş olması, Kartın kötü niyetli veya ticari kullanılması veya sözleşmeye aykırı kullanılması veya sözleşmenin Banka tarafından herhangi bir nedenle feshedilmiş olması vb. hallerde Kartta birikmiş olan puanlar, karşılıksız olarak silinir.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of turkiyefinans.com.tr

02

The Arabic page offers withdrawals that do not interrupt your return, while the Turkish contract breaks the term on the whole balance and needs the bank's consent first.

Said in public, in Arabic

يمكنكم ان تحصلوا على حصة الربح في نهاية الاجل من المبلغ المتبقي كما يمكنكم ان تقوموا بسحب النقود دون ان تنقطع فائدتها بالشكل الذي تحتاجون اليها من حساب المشاركة

Word for word in English: You can receive the profit share at the end of the term on the remaining amount, and you can withdraw cash from the participation account as you need it without its return being interrupted.

Arabic participation accounts page, account features list

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of turkiyefinans.com.tr

In the contract · clause 5.12

Vadeden önce para çekilen hallerde hesaptaki tutarın tamamı için vade bozulmuş kabul edilir.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of turkiyefinans.com.tr

The documents this reading is based on

9 files, all published by TURKIYE FINANS. Each shows when we read it and a fingerprint of its wording.

WIKILIX keeps the copy of each file it read, and does not republish it: what is published is the fingerprint of its wording. Download the file yourself and hash its text, lowercased with runs of whitespace collapsed, and a matching fingerprint means the wording quoted above is still the wording TURKIYE FINANS publishes.

How this reading was done

Every clause above was read out of a document TURKIYE FINANS publishes itself

This reading was published on .

Documents
5 of 9downloaded from the broker's site, and 5 read in full
Pages opened
66pages walked to find those documents, footer links included
Older copies
1earlier versions downloaded
Marketing pages
1public pages set against what the contract says
Languages
AR vs TRthe language it advertises in, against the language it contracts in

Who the contract is with

Türkiye Finans Katılım Bankası A.Ş.

You contract with Türkiye Finans Katılım Bankası A.Ş. at İnkilâp Mah. Sokullu Cad. No: 6/3 Ümraniye, Istanbul, named in clause 1 of the banking agreement. This is a Turkish participation bank inside the Turkish banking regime: its own trading contract defines the BDDK as the banking regulator, and clause 23.16 puts your accounts inside the savings deposit insurance fund. The bank's own footer states it is an SNB institution, and clause 30.1 pulls the sanctions rules of the country where its parent sits into your contract. There is no offshore entity and no second company here.

Quotations are copied verbatim from the documents named above, with the clause number and the page each one came from. Where a clause is quoted in another language, the original is shown first and the English is a translation.

The plain-language parts, what a clause means for a client, how ordinary it is, and how it reads against a regulated standard, are WIKILIX's analysis and are labelled as such on every card. This is a reading of public documents, not legal advice and not an allegation of wrongdoing.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

Türkiye Finans publishes an archive of its superseded contracts with the exact dates each version was in force, which almost no firm does. Its fee form gives you 30 days notice of any increase and 15 days to walk away with no extra charge. Clause 23.16 states that current and participation accounts are insured by the savings deposit insurance fund up to 1,200,000 TL. Clause 5.4 stops the bank cutting your agreed profit rate before maturity while your balance is unchanged. Disputes go to Turkish law and Turkish courts, and the contract names real independent routes: the participation banks association arbitration board and the consumer arbitration boards. The Arabic product page also says openly that no return is fixed or promised in advance.

The main individual banking agreement is published as a picture of a document, so no text can be read out of it. We read the bank's own digital copy of the same agreement instead, and every quotation credited to it comes from there. We read the fee form, the TFX Target platform contract and the short distance contract in full. We read only the points and payment sections of the credit card agreement, so treat the rest of it as unread. We did not read the foreign exchange platform information form or the privacy notice at all. The one file collected for this reading was a promotional page rather than a contract, so we found the contracts shelf ourselves and read from there. Türkiye Finans publishes all of these contracts in Turkish only, and we did not compare today's wording against the dated versions in its own archive.

How to check any of this yourself

Every quote above links to the TURKIYE FINANS file it came from. This is what to do with it.

Open the three stepsFind the words in the source, work out the fingerprint, and read what a difference does and does not prove.

Open the source and search for the words

Every quote has a link under it. Open the file, or the web page, and search it for the words we quote. The clause number next to the quote tells you where to look.

If the words are not there any more, the source may have changed after we read it. That is worth knowing too. We keep the date we read it, and a code worked out from its wording, so the quote stays checkable.

What a fingerprint is

A fingerprint is a code worked out from what a source says. Change one word and the code changes completely. We keep two codes for every file we read, and the panel on each source shows both.

The first is the code of the exact file we downloaded. The second is the code of its wording alone, with capital letters lowered and runs of spaces collapsed. When the same words are saved as a new file, the first code changes and the second one stays the same.

Only the first code can be worked out on your own computer. Save the file, then run one of these, putting the name of the file you saved where the example is. The panel on each source prints the command with that source's real file name already in it.

macOS or Linux:
  shasum -a 256 the-file-you-saved.pdf

Windows:
  certutil -hashfile the-file-you-saved.pdf SHA256

The two codes are different from each other, and they are not meant to match. Comparing one against the other proves nothing.

What a difference means, and what it does not

A different file code on its own proves nothing. A PDF saved again with a new date inside it is a new file saying exactly the same thing.

A different wording code means the words themselves changed. That is the one that matters, and it is why we keep it.

Even then, a change is not proof of bad faith. Companies update their documents. What this report says is what the document said on the day we read it, and every quote carries that date.

A source that is a web page and not a file has no file to save, so only the code of its wording is shown.

How this report is made

Every clause quoted above comes from a document TURKIYE FINANS publishes on its own website, downloaded and hashed on the date shown, with the clause number and page recorded so any reader can check it. We do not allege anything the documents do not say, and we do not judge TURKIYE FINANS on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Aug 26, 2026.

If you represent TURKIYE FINANS and a clause has changed, been withdrawn, or is being read out of context, tell us and we will re-read the documents and update this page. Corrections from the broker are welcome and are published with the reading they change. Contact us.

This is a reading of a contract, not legal advice and not a ruling on TURKIYE FINANS. Whether its licence is real and current is a separate check on the broker profile.

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