New regulation aimed at strict monitoring of money transfers

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New regulation aimed at strict monitoring of money transfers
Doviz News

Mali Suçları Araştırma Kurulu (MASAK) tarafından hazırlanan yeni düzenleme, 1 Ocak 2026 itibarıyla para transferlerinde kapsamlı değişiklikler getiriyor. Düzenleme kapsamında, 200 bin lira ve üzerindeki para transferlerinde işlemin kaynağı ve amacı açıklanacak, talep edilmesi halinde bu bilgiler belgeyle desteklenecek.
20 milyon TL ve üzeri işlemlerde belge zorunluluğu
İşlem tutarı arttıkça beyan yükümlülüğü de genişleyecek. Buna göre, 20 milyon lira ve üzerindeki para transferlerinde tapu, noter belgesi, fatura gibi dayanak belgelerin sunulması zorunlu olacak.

Gerekli belgeleri ibraz etmeyen kişiler para transferi gerçekleştiremeyecek. Bankalar, eksik belgeyle yapılan işlemlere izin vermeyecek. Sunulan açıklama ve belgeler, Mali Suçları Araştırma Kurulu tarafından incelenecek; şüpheli görülen işlemler kayıt altına alınarak değerlendirmeye alınacak.

Para transferleri için işlem nedenleri belirlendi
Yeni düzenleme kapsamında, para transferlerinde seçilebilecek işlem nedenleri de tanımlandı.

Kullanıcılar; gayrimenkul alım ödemesi, motorlu taşıt ödemesi, borç verme veya borç ödemesi, hediye, bağış veya yardım, vergi ya da harç ödemesi, danışmanlık, sağlık, sigorta ve avukatlık hizmetleri gibi başlıkların yanı sıra kripto varlık, şans oyunu, eğlence ve sosyal medya harcamaları seçenekleri arasından işlem nedeni seçecek.

Bu kategoriler dışında kalan transferlerde ise “diğer” seçeneği işaretlenecek ve en az 20 karakterden oluşan bir açıklama girilmesi zorunlu olacak.

Translation
The new regulation prepared by the Financial Crimes Investigation Board (MASAK) brings comprehensive changes in money transfers as of January 1, 2026. Within the scope of the regulation, the source and purpose of the transaction will be disclosed for money transfers of 200 thousand liras and above, and this information will be supported with the document if requested.
Document requirement for transactions of 20 million TL and above
As the transaction amount increases, the declaration obligation will also expand. Accordingly, it will be mandatory to submit underlying documents such as title deeds, notary documents and invoices for money transfers of 20 million lira and above.

People who do not submit the necessary documents will not be able to transfer money. Banks will not allow transactions made with missing documents. The statements and documents presented will be examined by the Financial Crimes Investigation Board; Transactions deemed suspicious will be recorded and evaluated.

Transaction reasons for money transfers have been determined
Within the scope of the new regulation, the reasons for transactions that can be selected for money transfers have also been defined.

Users; In addition to topics such as real estate purchase payment, motor vehicle payment, lending or debt payment, gift, donation or assistance, tax or fee payment, consultancy, health, insurance and legal services, crypto assets, games of chance, entertainment and social media expenditures options. will choose the reason for the transaction.

For transfers outside these categories, the “other” option will be selected and a description of at least 20 characters will be required.

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Update from Business Turkey Today

Extract:
According to the draft communiqué published on the Ministry’s website, cash transactions ranging between 200,000 TL and 2 million TL will require the selection of a transaction type. If customers choose general options such as “other” or “personal payment,” they will be required to provide an explanation of at least 20 characters. It is also being discussed that the lower threshold of 200,000 TL may be increased to 400,000 TL.

According to the information shared, starting in the new year, money transfers such as EFT, FAST, and wire transfers carried out via ATMs, mobile applications, or internet banking will be subject to a minimum explanation requirement of at least 20 characters.

Gradual Implementation Planned
Sector representatives will be consulted until December 31, after which the regulation is expected to be rolled out gradually. The planned transition dates for implementation are March 1 and July 1, allowing financial institutions time to adapt their systems.

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Further update from Business Turkey Today

Extract:
Sending Money by IBAN?
Millions Face New Rules on March 15,2026

A new banking regulation affecting millions of users is about to take effect. The Financial Crimes Investigation Board (MASAK) is preparing to roll out a new system aimed at preventing unregistered money movements and stopping criminal proceeds from circulating through the financial system.

The system, which was previously scheduled to launch at the beginning of the year but was postponed, is now expected to come into force on March 15, 2026.

What MASAK’s New Regulation Aims to Do
The new framework focuses on tighter monitoring of high-value digital transfers while making money flows more transparent and traceable. Authorities also want to strengthen the fight against money laundering, illegal betting revenues, and informal financial activity.

Another key goal is to reduce the risks faced by individuals who allow others to use their bank accounts — commonly known as “account renting.”

The regulation will cover transactions made via internet banking, mobile banking, and ATMs.