If you're planning to travel to Turkey, you might wonder if you have to carry Turkish liras (TRY), or if you can use your debit card while sightseeing and shopping abroad. Holidays should be relaxing, not stressful — and preparing in advance will help you avoid any unpleasant surprises in Turkey.Read on to find out if you can use your debit card while in Turkey, which ATMs are available to tourists, if you risk being charged extra fees, and much more.
Can I use my debit card in Turkey?
Whether you’re traveling for business or pleasure, using a debit card in foreign countries like Turkey can come in handy — not only for convenience but also as an extra measure in case you run out of Turkish liras. Generally speaking, many establishments in Turkey accept debit cards, especially cards affiliated with major international payment networks like Visa or Mastercard.
Are debit cards widely accepted in Turkey?
Debit cards have become increasingly popular in Turkey, and widely accepted in urban areas and tourist destinations. Many establishments, including restaurants, hotels, and retail stores, have card payment terminals that accept debit cards from major international networks like Visa and Mastercard, but generally speaking, most places are happier with cash.While major cities and tourist areas in Turkey typically accept debit cards, some smaller shops, local vendors, or remote locations may only accept cash. Carrying some Turkish lira for these situations is always a good idea. Make sure to take enough cash with you as Turkish ATMs can unexpectedly reject your card.
Tips for using your debit card in Turkey
Follow our tips for a smooth and secure experience when using your debit card in Turkey:
- Before traveling to Turkey, notify your bank about your travel plans. This prevents your card from being flagged for suspicious activity, and you can access your funds without any fuss.
- Always carry some Turkish liras for small purchases, street vendors, or establishments that only accept cash.
- When using your debit card or ATMs in Turkey, always opt to be charged in Turkish liras to avoid higher exchange fees. The exchange rate offered by your bank will usually be a better deal than the rate at the ATM or card terminal, so it’s smart to pay in local currency.
- Keep your debit card secure, and always cover the keypad when entering your PIN.
- Use ATMs in well-lit and secure areas, such as banks or shopping malls. Withdraw larger amounts less frequently, and try to choose ATMs with lower withdrawal fees.
- Always check your transaction receipts and monitor your account activity regularly. Report any unauthorized transactions to your bank immediately.
Using ATMs in Turkey
Most ATMs in Turkey are equipped to accept international debit cards. These ATMs typically display logos of international card networks like Visa and Mastercard. When inserting your card, the ATM usually prompts you to choose your preferred language and transaction type. The withdrawal limits at Turkish ATMs vary between ₺1,500 to ₺5,000 Turkish liras per transaction. Plan to make your withdrawals during bank opening hours — otherwise, your session might expire before your transaction is complete!Several banks in Turkey are known for being more accommodating to international cardholders, including Isbank, Ziraat Bankasi, and Garanti Bank. Also, because of card cloning and ATM tampering, you're safer using ATMs near bank branches or at the airport.
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FAQs
Which debit card networks are accepted in Turkey?
Is it safe to use your debit card in Turkey?
Can I use my debit card to withdraw cash in Turkey?
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Is it safe to use ATMs in Turkey?
What should I do if my debit card is lost or stolen in Turkey?
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Foreign currency exchange is how you measure the value between two different currencies. Read our guide to learn more.
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N26 gives you the real exchange rate and won’t charge currency exchange rates when paying abroad. Sign up to save on your next trip.
Foreign currency exchange is how you measure the value between two different currencies. Read our guide to learn more.
Need to make a payment overseas? Check out our guide to foreign transactions and the fees that may come with them.
