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 (1) 30% 11% 11% 11% 11%
Export loans 30% 11% 11% 11% 11%
Import loans 30% 11% 11% 11% 11%
Other investment loans 30% 11% 11% 11% 11%
Other loans 30% 11% 11% 11% 11%
Working capital loans 30% 11% 11% 11% 11%
Overdraft (2) 1.98% - - - -
Corporate Card 23.76% 18.98% - - -
Receivables from factoring transactions 30% 11% 11% 11% 11%
Loans for Nonbank Financial Institutions (Factoring and leasing loans) 30% 11% 11% 11% -

(1)Will be advised as discount rate
(2)Overdraft interest rate has been advised as a monthly rate.


12-24 months interest rates

Loan type TRY USD EUR GBP JPY
Discount bills (1) 30% 11% 11% 11% 11%
Export loans 30% 11% 11% 11% 11%
Import loans 30% 11% 11% 11% 11%
Other investment loans 30% 11% 11% 11% 11%
Working capital loans 30% 11% 11% 11% 11%
Loans for Nonbank Financial Institutions (Factoring and leasing loans) 30% 11% 11% 11% -

(1)Will be advised as discount rate


24 months interest rates

Loan type TRY USD
Working capital loans 30% 11%
Loans for Nonbank Financial Institutions (Factoring and leasing loans) - 11%

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

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 Turkey as of 01 May 2021.

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