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Hayat Finans obtained its establishment permit from the Banking Regulation and Supervision Agency on April 21, 2022 and its operating license from the Banking Regulation and Supervision Agency on March 23, 2023.

To view Hayat Finans' vision, mission, and values, click here.

Click here to view the members of the board of directors of Hayat Finans. 

Hayat Finans is Turkey's first digital bank and has no physical branches.

Participation banking refers to a banking model which operates according to the principles of interest-free banking, carries out all kinds of banking activities in accordance with these principles, collects funds on the basis of participation in profit and loss, and makes funds available through trade, shareholding and financial leasing, etc.

The funds collected from savers are utilized in trade and industry within the principles of interest-free financing, and the profits and losses are shared with the savers.

While profit share is determined at the end of the maturity, interest is determined at the beginning of the maturity. The profit share payable to the customer is paid from the profit arising from the utilization of the pooled funds, while the interest payable to the customer is paid from the income generated by the bank from its various sources. Credit interest rates are foremost among them.

Funds deposited in participation accounts are collected in pools according to the relevant currency. The profit share to be paid to the customer depends on the level of profit generated as a result of using the funds in these pools. The accumulated amount of profits distributed on a daily basis at the end of the term is paid to the customer as profit share.

Click here to view the shareholding structure of Hayat Finans.

Click here to view the articles of association of Hayat Finans.

Click here to view the financial information of Hayat Finans.

You can access the career opportunities of Hayat Finans from the link below:

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A Participation Account you can open with a maturity of at least 7 days adds value to your savings with the income shared within the framework of profit-loss partnership at the end of maturity. Income in the Participation Accounts which have no predetermined or committed return is based on the principle of being a shareholder in the profit or loss of the projects financed by the bank within the scope of interest-free banking principles.

You can open a Participation Account from our Hayat Finans Mobile application if you are an individual customer or our Internet Banking if you are a corporate customer.

You can open Participation Accounts in Turkish Lira, USD and EUR.

The lower limit for opening a Participation Account is 1,000 TRY and 250 USD/EUR.

You can open a participation account with maturity options starting from 31 days, for monthly, 3 months, 6 months, 1 year and longer than 1 year.

If you need to, you can withdraw money without breaking your maturity date and receive your profit share on the balance at maturity. To receive profit share, you must have savings in your account equal to the minimum balance required to open the account. Click here for minimum balances.

You can close your Participation Account by transferring all balance in your Participation Account to your Current Account in the same currency.

Click here for withholding tax rates.

You can partially or fully withdraw money from the Current Account, which can be opened in Turkish Lira, foreign currency or precious metals, at any time. There is no profit share payment for your savings in the Current Account.

You can open a Current Account from our Hayat Finans Mobile application if you are an individual customer. If you are a corporate customer you can use Online Banking.

You can open a Current Account in Turkish Lira, USD, EUR, Sterlin-Pound and Grams of Gold.

You can close your accounts with no balance from our Hayat Finans Mobile application and Internet Banking.

You can use all ATMs in Turkey and withdraw and deposit money from İş Bankası ATMs free of charge with your Hayat Finans card.

Yes, you can open multiple Current Accounts.

You can control your money flows to different current accounts from a single account with the Pool Account. With an automatic instruction, your balances in different current accounts will be merged into your Pool Account at the end of the day.

Yes, only Current Accounts can be linked to the Pool Account.

You can give daily, weekly and monthly instructions to your Pool Account. You can restrict the execution of the instruction by specifying a date range.

All your current accounts in a Pool Account definition must be in the same currency.

When you become a customer through the Hayat Finans Mobile application, your Digital Bank Card is automatically created. If you request a physical card, you can complete your physical card application from the All Transactions - Cards - Card Application menu after logging into the Hayat Finans Mobile application.

You can make chip transactions by inserting your card into physical POS devices. You can make contactless payments with your card at contactless-enabled POS.

You can make contactless payments with your card at contactless-enabled POS.

After logging in to the Hayat Finans Mobile application, you can set a password for the card you have selected or change the password of the card.

You can file a lost/stolen report by contacting our Communucation Center.

You can request card closure in the Hayat Finans Mobile application and Internet Banking card settings menu.

You can temporarily close your card to transactions and reactivate it via Hayat Finans Mobile application.

Hayat Finans Bank Card and Virtual Card are free of charge.

You can use your card abroad for POS purchases and withdrawals at ATMs with Mastercard logos that comply with participation banking rules. Your expenditures are converted into TRY and deducted from the balance of your TRY current account.

On websites with 3D Secure infrastructure, you can make purchases by entering the 6-digit code you receive on your mobile phone on the payment page. On sites without 3D Secure infrastructure, you can make passwordless transactions within a limited monthly limit.

You can change the main account of your card via Hayat Finans Mobile application. The main account must be a TRY current account.

You can view your bank card daily transaction limits in the card settings menu in the Hayat Finans Mobile application.

Joint account information is not available at the ATM. You can use Hayat Finans Mobile application for this purpose.

Investment Account is a type of account offered for you to invest your savings in capital markets.

Through the investment account you can buy and sell participation-based capital market products such as Stocks, Investment Funds and Lease Certificates with Hayat Finans Mobile application.

Account opening is free.

The Suitability Testing assesses whether you have the knowledge and experience about the risks associated with the product or service in question.

When trading investment funds, the lower limit for the investment fund you are trading is 1 TL, 1 EUR and 1 USD.

You can perform your investment fund transactions by selecting the Investment menu on our Hayat Finans Mobile application.

Although you can generally perform your fund trading transactions until 13.30, these hours are 13.00 and 13.15 for some funds. You can see the trading hours of investment funds on the relevant fund page on our Hayat Finans Mobile application.

You can cancel your orders until the fund's trading time.

Income from variable, mixed, foreign debt, foreign, free funds and investment funds with the term "foreign exchange" in their title will continue to be subject to 10% withholding as before.

The withholding tax exception applied as 0% in stock-intensive funds continues.

Investment fund transaction hours: Full day 09.00-13.30 and Half day 09.00-11.30.

In investment funds, the value is the period between the date a transaction takes place and the date this transaction will be transferred to your account. Value periods in investment fund purchase and sale transactions may vary depending on the type of fund and the platform on which the transaction is made.

The assets of investment funds are kept under the guarantee of Takasbank, the official Clearing and Custody Bank, separately from the assets of the founder and manager. In addition, according to the CMB Law, fund assets cannot be pledged, cannot be shown as collateral and cannot be seized by third parties. In other words, the protection of fund assets is guaranteed by law.

All accounts and transactions of the founder, manager and custodian of investment funds related to the fund are under the supervision of the CMB. In addition, independent auditing firms periodically audit investment funds.

You can make your foreign Exchange/precious metals transactions through our Internet Banking or Hayat Finans Mobile application.

Foreign exchange expense tax is collected only from foreign exchange purchase transactions.

Yes, you must have an open Current Account in the currency/precious metal type you will get.

You can perform your foreign exchange transactions/precious metal buying and selling transactions 24 hours a day, 7 days a week.

You can carry out your foreign exchange transactions with our advantageous rates and transfer the foreign currency you purchase through the Hayat Finans Mobile application. We continue to work to enable you to withdraw foreign currency cash from ATMs.

A stock is a financial instrument that represents an ownership share in a company. A person or organization becomes a partner in a certain share of a company by purchasing stock. Stockholders can receive a share of the company's profits and make a profit by buying and selling stocks.

Very soon, after logging into our Hayat Finans Mobile Application, you can easily open your account from the steps “Investments”> “Stock Transactions”> “Stock Account Opening”.

You can perform your stock transactions via our Hayat Finans Mobile Application.

You can access the transaction hours via https://borsaistanbul.com/tr/sayfa/220/pay-piyasasi-islem-saatleri

Hayat Finans is a bank that operates in accordance with the principles of interest-free banking. Therefore, you can invest in all participation shares operating in Borsa Istanbul.

No, you do not have to pay a fee for opening and maintaining your stock account at Hayat Finans.

You can easily transfer your stocks to Hayat Finans by making a transfer transaction from another institution.

Yes, you can change your stock orders if you want. The "order cancellation" and then placing a new order method is generally used to change stock orders placed at Borsa Istanbul.

No, all customer reports will be sent free of charge via e-mail upon request.

Dividend payments from companies traded on Borsa Istanbul are transferred to the user's account as a cash balance 2 days after the transaction is made.

Lease certificates designed in accordance with Islamic finance principles are financial instruments that offer investors the opportunity to earn regular income based on rental income from commercial real estate.

In Sukuk transactions, if investors wait until maturity, the return they will receive is realized at the rate of return at the time of purchase, if it is cashed out before maturity, profit or loss occurs according to second-hand market prices.

Income from the purchase and sale of Lease Certificates and rental payments of limited and full taxpayer real persons, foundations, associations and similar legal entities are subject to 10 percent Income Tax withholding. The 10 percent withholding tax for real person investors is the final tax and is not included in the annual income tax return.

Joint-stock, limited and limited partnership companies, investment funds and investment partnerships subject to the Capital Markets Board (CMB), for foreign funds and partnerships similar to these and those determined by the Ministry of Finance to be similar, income from the purchase and sale of Lease Certificates and rental payments are subject to 0 percent income tax withholding.

Other than these, income is subject to 10 percent withholding and the withholding paid is deducted from the calculated corporate tax. Banking and Insurance Transaction Tax (BSMV) taxpayers must calculate and pay 1 percent BSMV on Lease Certificate purchase and sale income and 5 percent BSMV on rental payments.

These rates may be updated by the Ministry of Finance.

You must have your new Turkish Republic ID card with you when making a video call with our Hayat Finans officials. A passport or driver's license does not replace a new Turkish Republic ID card.

A commercial bank account can be used by individuals, joint stock companies and limited companies.

Having more than one partner does not constitute an obstacle to opening a bank account in joint stock companies and limited companies. It is also possible to make transactions through joint authorized persons.

You can make the transactions you need such as money transfers and business financing through our Hayat Finans Mobile application, you can benefit from all our digital products and services.

You can complete your application by clicking the "Become a Customer" button again after fixing the internet connection problem.

Yes, you can make a video call with any smartphone. You can easily become our customer by transferring the minimum amount of money allowed by your bank from your other bank account to our bank account. The amount of the money transfer you make will be refunded to your account on the same day.

You can only apply with addresses based in Turkey.

It is sufficient to upload all the documents required for opening a commercial account digitally to our mobile application.

Yes, after completing the entire application process completely and correctly, you can log in to our Hayat Finans Mobile application with the password you have determined and perform any transaction you want.

It is recommended that you have your meeting in a well-lit environment so that your new Turkish Republic ID card and face can be clearly seen from the camera.

Yes, after downloading our Hayat Finans Mobile application to your smartphone, you can open an account by clicking on the "Become a Customer" button and selecting your business type instead of an individual account.

After your Hayat Finans commercial bank account application is approved, your bank card is printed and delivered to you via courier. Until your bank card physically arrives, you can perform transactions with the Digital Card information in the Hayat Finans Mobile application or perform withdrawal and deposit transactions with QR.

Hayat Finans Mobile application is accessible to all our individual and corporate bank customers.

Hayat Finans Mobile application is both available on iOS and Android operating systems. You can download our app from Apple App Store, Google Play or Huawei AppGallery and start using it. In order to log in, you will need to enter your password and customer number for individual customers and your username for corporate customers.

You can get your password from the "Forgot My Password" menu in the Hayat Finans Mobile application. First-time customers may create their passwords at the end of the customer onboarding process.

Click for the list of transactions you can make from Hayat Finans Mobile application.

You can use Hayat Finans Mobile application 24/7.

You can retrieve your password from the "Forgot My Password" menu in the Hayat Finans Mobile application.

You can use your Hayat Finans Mobile application password in our other channels (Hayat Finans Mobile application, Internet Banking, Telephone Banking) as well.

You can use our Hayat Finans Mobile application from anywhere with an internet connection.

You can also use Hayat Finans Mobile application from another phone via the two-factor security application.

If you encounter a login error while entering the Hayat Finans Mobile application, please first check whether your customer number and password are correct and whether your application is up to date. If you continue to encounter any errors, please contact us via our website or Communication Center.

You can change your phone number from the Profile menu on the Mobile Branch.

Our Communication Center currently provides service in Turkish.

You can get service by calling our Communication Center also from abroad.

All phone calls you make with our Communication Center are recorded both as audio and screen from the moment you reach the customer representative.

Account restrictions, channel restrictions, IP restrictions, SMS sending details, mobile branch activation approvals/cancellations, bank card transactions, and lost/stolen services are provided.

You can reach our customer representative by calling our Communication Center at 444 4 988 and dialing 1 in the voice response system.

You can reach our Communication Center by calling 444 4 988

You can reach our Communication Center 24/7 by calling 444 4 988

You can make money withdrawals, deposits and balance inquiries at all ATMs in domestic.

You can withdraw money by reading the QR codes shown at ATMs in domestic via Mobile Branch.

You can make free transactions at İş Bankası ATMs. You can visit the Product and Service Fees page for transactions to be made at other banks' ATMs.

You can withdraw money from ATMs with the Mastercard/Maestro/Cirrus logo abroad.

Hayat Finans Internet Banking is available to all our corporate bank customers.

Our corporate customers can log in by entering their customer number, password and username information from the Internet Banking menu on the top right of the hayatfinans.com.tr web page.

You can get your password from the "Instant Password / Forgot My Password" menu in the Mobile Branch. For first-time customers, the password can be set at the end of the customer registration process in the Hayat Finans Mobile application.

You can use your Internet Banking password on all digital channels.

Click for the list of transactions you can perform using Hayat Finans Internet Banking.

You can use Hayat Finans Internet Banking 24/7.

You can get a new password from the "Instant Password / Forgot My Password" menu on the Mobile Branch.

You can use our Internet Banking from anywhere with an internet connection.

If you encounter a login error while entering the Internet Banking, please first check whether your customer number, password and username are correct. If you continue to encounter any errors, please contact us via our website or Communication Center.

This is the information defined by your company representative for your company employees who will use Hayat Finans Internet Banking.

After entering your required information for Internet Branch access, you can log in to the Internet Banking by giving 'Mobile Confirmation' from the notifications area at the top right of the login screen of the Hayat Finans mobile application. For this process, you need to have logged into the Hayat Finans Mobile application at least once before.

Check the internet connection of your mobile device. In order to log in with your registered device, please allow Hayat Finans Mobile application notifications from the settings application of your mobile phone. If your apps are open or running in the background, simply close them and log in once.

You can apply for the Enterprise Finance product on the Internet Branch 'Financing Proposal' screen within your limit for a product you want to purchase and benefit from special profit rates. After the product application, your invoice you uploaded for the goods you want to purchase will be evaluated by our relevant units, and you will be notified when your invoice is approved. Upon approval, your payment will be made to the seller and your product usage will be completed.

Invoice upload is mandatory for enterprise finance.

A maximum maturity of up to 12 months is offered.

You can apply from the Internet Branch 'Financing Proposal' screen.

Commercial Installment Finance you can meet the financing needs of your business for the purchase of vehicles, workplaces, machinery, equipment and real estate to be acquired in line with the investment plans of your business.
Enterprise finance you can finance the purchase of commodities or services you need through Hayat Finans. The price of the commodity or service you will purchase with this service is paid in advance by Hayat Finans to the seller in Türkiye or abroad.

In accordance with the principles of Participation Banking, you can purchase any product that meets murabaha standards with enterprise finance. Goods that fall outside these standards, such as alcohol and tobacco, cannot be funded with enterprise finance.

The seller payment is made by our bank directly to the seller’s account declared on the basis of the purchase of goods.

You can view our rates via the 'Financing Rates' screen on the Internet Branch or our website.

You can pay the installments of all your financing through the 'Pay Financing Installments' screen on the Internet branch or mobile branch.

You can make early closure by selecting the financing you want to close via the 'Pay Finance Installments' screen on the internet branch or mobile branch.

You can view your financing through the 'My Financing' screen on the internet branch, and you can also review your payment plan by selecting a financing.

You can view your financing via the 'My Financing' screen on the internet branch or mobile branch.