Payment Methods and Currency Exchange in Türkiye: Essential Facts for Travelers

Türkiye uses a modern banking and payment infrastructure. Travelers should be aware of local currency, payment methods, and regulations for smooth transactions.

• Official currency: Turkish Lira (TRY, TL)
• Payment methods: Cash (TRY), major credit/debit cards (Visa, Mastercard), and some mobile payments are widely accepted in cities and tourist areas.
• Contactless payments: Contactless cards and mobile wallets (Apple Pay, Google Pay) are increasingly accepted, especially in urban centers. Alipay and other foreign wallets have limited acceptance.
• ATMs: Widely available in cities, airports, and tourist areas. Most ATMs accept international cards (Visa, Mastercard, Maestro, Cirrus). Some may charge a withdrawal fee (typically 2–5%).
• Currency exchange: Available at banks, exchange offices (“döviz bürosu”), and airports. Exchange rates and fees may vary; banks are generally more reliable.
• Foreign currency restrictions: Large cash transactions (over TRY 50,000) may require documentation. Foreign currency is not widely accepted for retail purchases.
• Cash import/export limits: Travelers may bring in or take out up to EUR 10,000 (or equivalent in other currencies, approx. USD 10,800/TRY 350,000) without declaration. Amounts above this must be declared to Turkish Customs.
• Transaction fees: Foreign card transactions may incur a surcharge (1–3%) and dynamic currency conversion fees. Check with your card issuer.
• Common issues: Some small businesses and rural areas may accept cash only. Notify your bank before travel to avoid card blocks.
• Major banks: Ziraat Bankası, Garanti BBVA, İşbank, Akbank.
• Regulations: Turkish Banking Regulation and Supervision Agency (BDDK) oversees payment systems. Refer to official advisories for updates.