{"id":1509,"date":"2021-02-24T21:14:23","date_gmt":"2021-02-24T19:14:23","guid":{"rendered":"https:\/\/ekonomi101.net\/?p=1509"},"modified":"2021-08-12T23:35:48","modified_gmt":"2021-08-12T21:35:48","slug":"hesap-isletim-ucreti-almayan-bankalar","status":"publish","type":"post","link":"https:\/\/ekonomi101.net\/hesap-isletim-ucreti-almayan-bankalar\/","title":{"rendered":"Hesap \u0130\u015fletim \u00dccreti Almayan Bankalar"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Hesap \u0130\u015fletim \u00dccreti Nedir?<\/strong><\/h2>\n\n\n\n<p>Hesap i\u015fletim \u00fccreti, banka hesab\u0131 sahibi m\u00fc\u015fterilere banka taraf\u0131ndan uygulanan ve d\u00f6nemlik olarak tahsil edilen bir hizmet bedeli kesintisidir. Bankalar, sa\u011flanan hizmetlerin kar\u015f\u0131l\u0131\u011f\u0131 olarak ve hesap kullan\u0131m bedeli olarak belirli periyotlar i\u00e7erisinde m\u00fc\u015fterilerinden hesap i\u015fletim \u00fccreti talep etmektedir.<\/p>\n\n\n\n<p>Bankalar taraf\u0131ndan belirlenen bu \u00fccret her bankada de\u011fi\u015fiklik g\u00f6stermektedir. Yani, hesap i\u015fletim \u00fccreti i\u00e7in belirlenmi\u015f sabit bir \u00fccret bulunmamaktad\u0131r. Ayr\u0131ca, her banka bu \u00fccreti talep etmemektedir. Baz\u0131 bankalar genellikle 6 ve 12 ayl\u0131k s\u00fcre\u00e7 i\u00e7in hesap i\u015fletim \u00fccreti talep ederken baz\u0131 bankalar da bu \u00fccreti talep etmemekte ve kullan\u0131c\u0131lar\u0131n\u0131n bankac\u0131l\u0131k hizmetleri i\u00e7in ekstra masraf yapmamas\u0131na yard\u0131mc\u0131 olmaktad\u0131r.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-rounded\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/08\/hesap-is\u0327letim-u\u0308creti.jpg?resize=800%2C450&#038;ssl=1\" alt=\"hesap i\u015fletim \u00fccreti\" class=\"wp-image-2281\" title=\"\" data-recalc-dims=\"1\"><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Neden Hesap \u0130\u015fletim \u00dccreti Al\u0131n\u0131r?<\/strong><\/h2>\n\n\n\n<p>Bu soruyu \u00f6zellikle kullanmakta oldu\u011funuz banka personeline iletmeniz durumunda, m\u00fc\u015fteriler i\u00e7in yap\u0131lan i\u015flemlerde olu\u015fan masraflar ve hizmet bedeli cevab\u0131n\u0131 alacaks\u0131n\u0131z. K\u0131saca, bu \u00fccretin m\u00fc\u015fteriler taraf\u0131ndan yap\u0131lacak olan masraflar\u0131 kar\u015f\u0131lamas\u0131 ve verilen hizmetin bedeline kar\u015f\u0131l\u0131k olarak al\u0131nd\u0131\u011f\u0131 bilinmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hesap \u0130\u015fletim \u00dccreti D\u00f6nemleri<\/strong><\/h2>\n\n\n\n<p>Hesap i\u015fletim \u00fccreti talep etmek i\u00e7in tercih edilen d\u00f6nemin s\u00fcreci bankalar aras\u0131nda de\u011fi\u015fiklik g\u00f6stermektedir. Her ne kadar bu s\u00fcre\u00e7 de\u011fi\u015fiklik g\u00f6steriyor olsa da ortalama olarak 6 ay ve 1 y\u0131l gibi s\u00fcre aral\u0131\u011f\u0131nda de\u011fi\u015fiklik g\u00f6stermektedir. \u00c7ok nadiren de olsa 3 ayl\u0131k s\u00fcre\u00e7 i\u00e7erisinde de hesap i\u015fletim \u00fccreti talep eden bankalar\u0131n oldu\u011fu bilinmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kimlerden Hesap \u0130\u015fletim \u00dccreti Al\u0131nmaz?<\/strong><\/h2>\n\n\n\n<p>Bankalar taraf\u0131ndan d\u00f6nemlik olarak talep edilen hesap i\u015fletim \u00fccreti i\u00e7in herhangi bir d\u00fczenleme veya yasal zorunluluk bulunmamaktad\u0131r. Bu sebepledir ki baz\u0131 bankalar hesap i\u015fletim \u00fccreti talep ederken baz\u0131 bankalar bu \u00fccreti talep etmemektedir. Ayr\u0131ca, yine bu sebebe ba\u011fl\u0131 olarak \u00fccret miktar\u0131 da bankadan bankaya de\u011fi\u015fim g\u00f6stermektedir.<\/p>\n\n\n\n<p>Normal \u015fartlarda <strong><a href=\"https:\/\/www.borsapiyasasi.net\/hesap-isletim-ucreti-almayan-bankalar\/\" target=\"_blank\" rel=\"noreferrer noopener\">hesap i\u015fletim \u00fccreti<\/a><\/strong> alan bankalar \u015fu durumlarda da m\u00fc\u015fterilerinden bu \u00fccreti almamaktad\u0131r;<\/p>\n\n\n\n<ul><li>Maa\u015f hesaplar\u0131ndan,<\/li><li>\u00dcniversite \u00f6\u011frencilerinden,<\/li><li>Bankaya ait di\u011fer hizmetleri kullanan m\u00fc\u015fterilerden,<\/li><li>\u00d6zel kart sahibi m\u00fc\u015fterilerden,<\/li><li>Otomatik fatura \u00f6deme talebinde bulunan m\u00fc\u015fterilerden<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image is-style-rounded\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"700\" height=\"350\" src=\"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/08\/hesap-is\u0327letim-u\u0308creti-nedir.jpg?resize=700%2C350&#038;ssl=1\" alt=\"hesap i\u015fletim \u00fccreti almayan bankalar\" class=\"wp-image-2282\" title=\"\" data-recalc-dims=\"1\"><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kesilmi\u015f Hesap \u0130\u015fletim \u00dccreti Geri Al\u0131nabilir Mi?<\/strong><\/h2>\n\n\n\n<p>E\u011fer ki hesap i\u015fletim \u00fccretinin hata sonucu al\u0131nd\u0131\u011f\u0131n\u0131 veya hatal\u0131 miktarda al\u0131nd\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z veya fark etmi\u015fseniz bu \u00fccreti bankan\u0131za ba\u015fvurarak tekrar alabilirsiniz. Yap\u0131lacak olan bu ba\u015fvuru sonras\u0131nda banka gerekli de\u011ferlendirme s\u00fcrecini ger\u00e7ekle\u015ftirecek ve uygun bulunmas\u0131 durumunda sizden talep edilen bu \u00fccreti tekrar iade edecektir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hesap \u0130\u015fletim \u00dccreti Almayan Bankalar Hangileridir?<\/strong><\/h2>\n\n\n\n<p>G\u00fcn\u00fcm\u00fczde bankac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7erisinde artan rekabet ve internet bankac\u0131l\u0131\u011f\u0131 ile azalan masraflar sebebi ile baz\u0131 bankalar hesap i\u015fletim \u00fccreti al\u0131m\u0131n\u0131 durdurmu\u015f bulunmaktad\u0131r. Bankac\u0131l\u0131k hizmetleri i\u00e7in de ek olarak \u00fccret talep edilmiyor olmas\u0131 bu durumun bir di\u011fer \u00f6nemli avantaj\u0131 olarak belirtilebilir. Peki, <strong><a href=\"https:\/\/www.borsapiyasasi.net\/hesap-isletim-ucreti-almayan-bankalar\/\" target=\"_blank\" rel=\"noreferrer noopener\">hesap i\u015fletim \u00fccreti almayan bankalar<\/a><\/strong> neler?<\/p>\n\n\n\n<ul><li>Enpara.com<\/li><li>CepteTEB<\/li><li>QNB Finansbank<\/li><li>Albaraka T\u00fcrk Kat\u0131l\u0131m Bankas\u0131<\/li><li>T\u00fcrkiye Finans Kat\u0131l\u0131m Bankas\u0131<\/li><li>Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131<\/li><\/ul>\n\n\n\n<p>Yukarda belirtilmi\u015f olan bankalar taraf\u0131ndan sa\u011flanan hi\u00e7bir hizmet ve sahip olunan hi\u00e7bir hesap i\u00e7in m\u00fc\u015fteri ayr\u0131m\u0131 yap\u0131lmaks\u0131z\u0131n hesap i\u015fletim \u00fccreti talep edilmemektedir. \u00d6zellikle G\u00fcn\u00fcm\u00fczde tasarruf etmenin olduk\u00e7a \u00f6nemli oldu\u011funu da d\u00fc\u015f\u00fcnmek gerekirse bu bankalar\u0131 tercih etmenin ki\u015fisel b\u00fct\u00e7enize de katk\u0131s\u0131 olacakt\u0131r.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-rounded\"><figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"656\" height=\"400\" src=\"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/08\/is\u0327letim-u\u0308creti.jpg?resize=656%2C400&#038;ssl=1\" alt=\"hesap i\u015fletim \u00fccreti nedir\" class=\"wp-image-2283\" title=\"\" data-recalc-dims=\"1\"><\/figure><\/div>\n\n\n\n<p>Bir di\u011fer yandan \u00f6zellikle son zamanlarda bir\u00e7ok banka taraf\u0131ndan hesap i\u015fletim \u00fccretinin kald\u0131r\u0131ld\u0131\u011f\u0131n\u0131 da d\u00fc\u015f\u00fcnmek gerekirse \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7 i\u00e7erisinde art\u0131k b\u00f6yle bir masraf ile hi\u00e7 kar\u015f\u0131la\u015fmama ihtimali bulunmaktad\u0131r.<\/p>\n\n\n\n<p>Ayr\u0131ca, hesap i\u015fletim \u00fccreti masraf\u0131n\u0131n kald\u0131r\u0131lmas\u0131na ve m\u00fc\u015fterisi i\u00e7in hi\u00e7bir \u015fekilde masraf \u00e7\u0131kartmamaya ba\u015flang\u0131\u00e7 liderli\u011fi yapan bankac\u0131l\u0131k hizmeti ilk olarak enpara.com taraf\u0131ndan ger\u00e7ekle\u015fmi\u015ftir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hesap i\u015fletim \u00fccreti, banka hesab\u0131 sahibi m\u00fc\u015fterilere banka taraf\u0131ndan uygulanan ve d\u00f6nemlik olarak tahsil edilen bir hizmet bedeli kesintisidir.<\/p>\n","protected":false},"author":1,"featured_media":1512,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[432],"tags":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/ekonomi101.net\/wp-content\/uploads\/2021\/02\/is\u0327letim-u\u0308creti.jpg?fit=656%2C400&ssl=1","_links":{"self":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts\/1509"}],"collection":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/comments?post=1509"}],"version-history":[{"count":1,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts\/1509\/revisions"}],"predecessor-version":[{"id":2284,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/posts\/1509\/revisions\/2284"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/media\/1512"}],"wp:attachment":[{"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/media?parent=1509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/categories?post=1509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekonomi101.net\/wp-json\/wp\/v2\/tags?post=1509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}