Interest rates, fees and commissions

HSBC Commercial Banking Loans Maximum Interest Rates

0-12 months interest rates


Loan type	TRY	USD	EUR	GBP	JPY
Discount bills	150%	18%	18%	18%	18%
Export loans	150%	18%	18%	18%	18%
Import loans	150%	18%	18%	18%	18%
Other investment loans	150%	18%	18%	18%	18%
Other loans	150%	18%	18%	18%	18%
Gold loan	150%	-	-	-	-
Working capital loans	150%	18%	18%	18%	18%
Overdraft	60%	-	-	-	-
Corporate Card	51.00%	40.80%	-	-	-
Receivables from factoring transactions	150%	18%	18%	18%	18%
Direct Debiting System	150%	-	-	-	-
Loans for Nonbank Financial Institutions	150%	18%	18%	18%	18%

12-24 months interest rates


Loan type	TRY	USD	EUR	GBP	JPY
Discount bills	150%	18%	18%	18%	18%
Export loans	150%	18%	18%	18%	18%
Import loans	150%	18%	18%	18%	18%
Other investment loans	150%	18%	18%	18%	18%
Other loans	150%	18%	18%	18%	18%
Gold loan	150%	-	-	-	-
Working capital loans	150%	18%	18%	18%	18%
Overdraft	-	-	-	-	-
Corporate Card	-	-	-	-	-
Receivables from factoring transactions	150%	18%	18%	18%	18%
Direct Debiting System	150%	-	-	-	-
Loans for Nonbank Financial Institutions	150%	18%	18%	18%	18%

24 months and beyond interest rates


Loan type	TRY	USD	EUR	GBP	JPY
Discount bills	150%	18%	18%	18%	-
Export loans	150%	18%	18%	18%	-
Import loans	150%	18%	18%	18%	-
Other investment loans	150%	18%	18%	18%	-
Other loans	150%	18%	18%	18%	-
Gold loan	150%	-	-	-	-
Working capital loans	150%	18%	18%	18%	-
Overdraft	-	-	-	-	-
Corporate Card	-	-	-	-	-
Receivables from factoring transactions	-	-	-	-	-
Direct Debiting System	150%	-	-	-	-
Loans for Nonbank Financial Institutions	-	-	-	-	-

Corporate Cards Interest Rates and Fees

Purchase Interest Rate


	Minimum Price	Maximum Price	Minimum %	Maximum %
Monthly Purchase Interest Rate (TRY)	-	-	-	1.46%
Monthly Purchase Interest Rate (USD)	-	-	-	1.17%

Cash Advance Interest Rate


	Minimum Price	Maximum Price	Minimum %	Maximum %
Monthly Cash Advance Interest Rate (TRY)	-	-	-	1.46%
Monthly Cash Advance Interest Rate (USD)	-	-	-	1.17%

Late Payment Interest Rate


	Minimum Price	Maximum Price	Minimum %	Maximum %
Monthly Late Payment Interest Rate (TRY)	-	-	-	1.76%
Monthly Late Payment Interest Rate (USD)	-	-	-	1.47%

Cash Advance Fee Own Bank


Transaction Type	Channel	Fee/Commission	Minimum Price	Maximum Price	BITT Information
	Own Bank	%1	-	-	Exempt
	ATM	%1	-	-	Exempt

Domestic Other Bank


Transaction Type	Channel	Fee/Commission	Minimum Price	Maximum Price	BITT Information
	ATM	1%	-	-	Exempt

International Other Bank


Transaction Type	Channel	Fee/Commission	Minimum Price	Maximum Price	BITT Information
	ATM	1%	-	-	Exempt

Fees and Commissions

Current Account Fees


Service Type	Cost Amount
Account Opening Fee	TRY 10
Account Maintenance Fee (BITT included)	TRY 10
Monthly Bank Statement Fee	TRY 10
Duplicate Account Maintenance Fee (per page)	TRY 2
SWIFT MT940 Fee	TRY 75
Communication Fee	TRY 10
Account Reconciliation Fee	TRY 50
Overdraft account statement fee	TRY 10

Fee is received in TRY currency from customer's TRY or FX accounts. Account balance is periodically checked to receive the previous period fee in case of the insufficient balance cases. BITT included into the fee amount.

* The information provided here is purely for informative purposes and can be changed without any prior notification.

** HSBC Commercial Banking Loans Maximum Interest Rates have been updated and reported to the Central Bank of the Republic of Türkiye as of 6 May 2024.