Transfers

EFT / FAST / Wire Transfer

All money transfers in TL at Enpara are free of charge and will always remain free. We have also explicitly stated this in Article 6 of our banking agreement.

You can perform the following money transfer transactions 24/7:

• To accounts within Enpara (Wire Transfer / Havale)
• To accounts at other banks up to 300,000 TL (FAST)

You can carry out your money transfers exceeding 300,000 TL to accounts at other banks (EFT) until 5:15 PM.

To transfer money to a recipient's Easy Address information (mobile phone number, e-mail address, Turkish ID number, etc.), the recipient must have matched their relevant information with an account at any bank on the Easy Address system. You can access detailed information about the Easy Address system here.

• You can easily perform your EFT/FAST/wire transfer transactions via our Internet or Mobile Branch, and optionally create a one-time or recurring transfer order for your EFT/wire transfer transactions.
• By creating a "Fastest" record for your EFT/FAST/wire transfer transactions, you can complete your transactions very quickly via our Internet or Mobile Branch whenever you want.

Transfer to ATM

You can send money 24/7 via our Mobile Branch to the mobile phone numbers of anyone you choose, to be withdrawn from QNB ATMs.

Money transfer transactions to QNB ATMs (to a mobile phone number) are free of charge and will always remain free. We have also explicitly stated this in Article 6 of our banking agreement.

How can I send money to QNB ATMs?

In the "Transfers" menu on our Mobile Branch, after selecting your TL Checking Account as the sender and "Another recipient > To QNB ATM (To mobile phone)" as the recipient, simply enter the recipient's mobile phone number and the amount you wish to send. If you wish, you can also add this transaction to your "Fastest" transactions to complete it quicker in the future.

You can only perform money transfer transactions to QNB ATMs in TL currency and to mobile numbers belonging to domestic operators.

How will the person I sent money to withdraw the funds?

When you make a money transfer to QNB ATMs, an informational SMS is sent to the recipient by Enpara. Within 24 hours after receiving the SMS, the recipient can go to any QNB ATM and withdraw the money you sent. To do this, they simply need to enter the "Enter > Withdraw money > Withdraw money sent to mobile" menu at the ATM, enter their Turkish ID number, the sender's and their own phone numbers, the 6-digit reference code provided in the SMS, and the exact amount sent.

The recipient pays no fee during the withdrawal process and withdraws the full amount you sent without any deductions.

The recipient must withdraw the full amount sent to them all at once; partial withdrawals are not allowed.

What should I keep in mind?

Money transfer transactions to QNB ATMs are limited to:

• 2 transactions per day, up to a total of 5,000 TL,
• 4 transactions per week, up to a total of 10,000 TL,
• 6 transactions per month, up to a total of 15,000 TL.

If the amount sent to the mobile phone number is not withdrawn by the recipient within 24 hours, your transaction will be automatically canceled, and the sent amount will be fully refunded to your TL Checking Account at the end of the day.

A single mobile phone number can receive a maximum of 2 transfers and up to 5,000 TL per day, 4 transfers and up to 10,000 TL per week, and 6 transfers and up to 15,000 TL per month.

Foreign Currency Transfer (SWIFT)

You can easily and quickly perform your foreign currency transfers in USD or EUR via our Internet or Mobile Branch.

Foreign currency transfers made to bank accounts within Enpara are free of charge.

Foreign currency transfers (SWIFT) in USD and EUR made outside of Enpara are subject to a fee. The transaction fee will be presented for your information and approval during the transaction process.

In SWIFT transactions, intermediary correspondent banks and/or the beneficiary bank may also charge additional transaction fees. These costs, which vary depending on the transaction amount and can reach up to 150 USD/EUR, are deducted from the transfer amount. Therefore, in SWIFT transactions, the amount received by the beneficiary may be lower than the amount you sent.

Transactions for USD and EUR completed before 4:00 PM are transmitted to the intermediary bank on the same day, while transactions performed after this time are transmitted on the next business day.

Enpara SWIFT Code: ENASTRISXXX

Easy Address

What is Easy Address?

Easy Address is a service that enables you to easily receive and send money transfers using details such as your mobile phone number, e-mail address, Turkish ID number, etc., without the need for IBAN or account details. By matching your TL Checking Account with your mobile phone number, e-mail address, or Turkish ID number, you can receive money transfers by sharing just one of these details with the sender instead of your IBAN. Additionally, if you know the recipient's Easy Address details that they have matched with an account at any bank, you can easily perform your money transfer using these details.

How can I define Easy Address details for my TL Checking Account?

By following the "Settings > Easy Address preferences" or "Accounts > TL Checking > Easy Address" menus in our Mobile Branch, you can easily match your TL Checking Account with your mobile phone number, e-mail address, or Turkish ID number registered at Enpara. Once matched, you can share one of your matched Easy Address details with the sender instead of an IBAN.

What should I keep in mind?

• You can only match your Easy Address details with your TL Checking Account.
• You can match any one of your mobile phone number, e-mail address, or Turkish ID number—or multiple details at the same time—with your TL Checking Account.
• You can match each of your Easy Address details with only one account at a single bank. For example, your mobile phone number cannot be matched with both your TL Checking Account at Enpara and another account at a different bank at the same time. The most recent match is always valid, and each new match cancels the previous one.
• You can match different Easy Address details with your accounts at different banks. For example, while matching your mobile phone number with your TL Checking Account, you can match your e-mail address or Turkish ID number with an account at another bank.
• You can have a maximum of 5 active Easy Address matches across all banks at any given time.

Secure Payment

What is Secure Payment (Vehicle Buying/Selling)?

The Secure Payment System is a service established in cooperation with the Union of Notaries of Turkey that ensures money transfers related to second-hand vehicle buying/selling transactions are carried out safely via the FAST system, eliminating the risk of fraud. Through this system, the sale amount is kept in custody by authorized Secure Payment institutions during the registration process and transferred to the seller once the process is approved.

How can I make a Secure Payment via Enpara?

You can carry out your transactions via our Mobile Branch under "Transfers > TL Checking > Another recipient > Secure payment (Vehicle buying/selling)" or "FAST transactions > Secure payment (Vehicle buying/selling)".

How can I perform Secure Payment vehicle selling transactions?

When selling your vehicle, you can create a sale record at authorized Secure Payment institutions by using your TL Checking Account details at Enpara.

What should I keep in mind?

• Vehicle buying transactions are performed using a reference number generated by the seller.
• In vehicle buying transactions, amounts up to 2,000,000 TL (as set by the CBRT) are processed via the FAST system.
• Based on the reference number created for vehicle buying transactions, the payment can be made all at once or in installments/partial payments.