Faq - Digital Banking
Say Goodbye to Your Questions About Using Digital Banking Channels
To enhance the speed and convenience of your Internet Banking experience, we have answered the most frequently asked questions that may arise during your transactions.
Our goal is to help you resolve any issues you may encounter while using our Internet Banking services.
Frequently Asked Questions About Internet Banking Usage
- How can I access Internet Banking?
You can access Internet Banking by logging in with your E-password. - How can I change my Username or E-password?
>To change your Username, go to Security Management / Change Username.
>To change your E-password, go to Security Management / Change Password.
Ensure that your E-password is not easily guessed by others and contains only digits. - I forgot my username. How can I retrieve it?
If you have forgotten your username, please contact Telephone Banking at +90 (392) 444 4444. - How can I log in using my E-password?
You can register for Internet Banking at the nearest Iktisatbank branch. - What are the security features of Internet Banking?
>SMS Verification Code: A one-time password is sent to your registered mobile number and must be entered within 3 minutes.
>Security Image: After entering the SMS code, your personal security image is displayed for an additional verification step.
>100% Secure Certified Internet Banking: Our platform is protected by internationally recognized digital certificates. - I didn’t receive the SMS one-time password. What should I do?
>Ensure your mobile device can send/receive SMS messages.
>Check that your SMS inbox is not full.
>If your registered mobile number is outdated, visit the nearest Iktisatbank branch to update it.
>For assistance, call Telephone Banking at +90 (392) 444 4444. - Is using the virtual keyboard necessary?
Yes. The virtual keyboard allows you to input your password using your mouse, helping protect against keylogger software that may capture keystrokes.
Questions About Financial Transactions via Internet Banking
- How do I open a demand deposit account (TRY, FX, XAU, XAG)?
Go to Accounts / Open Demand Deposit Account and select TRY, FX, XAU, or XAG using your branch code. - How do I open a time deposit account (TRY, FX, XAU, XAG)?
Go to Time Deposit / Open Account, select your source demand deposit account, and proceed. - How do I exchange foreign currencies?
You need to have demand deposit accounts in both TRY and FX at the same branch. Use the Foreign Exchange Transactions menu to proceed. - Can I make payments to a credit card not in my name?
Yes. Go to Card Transactions / Pay by Credit Card Number and enter the Cardplus credit card number you wish to pay. - How can I pay a credit card from another bank?
Use Transfers / EFT / Transfer by Credit Card Number to send funds to credit cards issued by other banks. - Can I access joint accounts with my personal Internet Banking password?
No. A separate registration is required. Please visit your nearest Iktisatbank branch. - Can I access corporate accounts through personal Internet Banking?
No. Corporate accounts require a separate Corporate Internet Banking registration with a dedicated e-password, which can be obtained from your branch. - What should I do in case of a technical issue?
Call Telephone Banking at +90 (392) 444 4444 for immediate assistance.
Frequently Asked Questions About ATM Banking
ATM Banking provides round-the-clock services without waiting in lines or being limited by working hours. We aim to answer your questions to ensure smooth transactions at our ATMs.
- How can I use ATMs?
You can conveniently perform transactions at our ATMs using all credit and debit cards, and securely complete transactions via QR code through the İktisatMobil and CardPlus application. - Can I deposit cash at ATMs?
You can securely deposit cash through all our ATMs, both at branch locations and off-site. - Are cardless transactions available at ATMs?
Yes. You can easily perform cardless transactions such as cash withdrawal, cash deposit, and credit card bill payment at ATMs using a QR code generated through the İktisatMobil and CardPlus applications - When will my ATM deposit reflect in my account?
Deposits are credited instantly to your account or Cardplus credit card. - Can I withdraw money from my demand deposit account using my Cardplus Credit Card?
Yes. When you insert your CardPlus Credit Card into an ATM, you can access your linked personal deposit accounts and perform cash withdrawal transactions by selecting the 'Bank Card Transactions' option on the screen. - How can I access joint accounts at ATMs?
You can access the account details of the joint accounts linked to your card and carry out your transactions with ease. - What should I do if the ATM withholds my card?
During working hours at a branch ATM: Contact the branch directly.
Outside working hours or at non-branch ATMs: Call Telephone Banking at +90 (392) 444 4444. - What if I encounter an issue while using an ATM?
All ATM transactions are guaranteed by our bank. For any issues, please contact Telephone Banking at +90 (392) 444 4444.
Telephone Banking FAQs
- What is the IVR (Interactive Voice Response) system?
When you call +90 (392) 444 4444, the IVR system allows you to perform transactions through voice-guided menus without connecting to a customer representative. - What transactions can I perform through Telephone Banking?
Visit our Telephone Banking page for a full list of available services. - Is Telephone Banking secure?
Yes. Transactions require:
>Your card password,
>A verification code sent to your registered mobile number,
>All calls are recorded for security. - Can I pay my credit card bill via Telephone Banking?
Yes, credit card payments can be made via Telephone Banking. - How can I speak to a customer representative?
Press 0 in the IVR menu after calling +90 (392) 444 4444. - Can I proceed if my personal information is outdated?
No. You must update your personal information for verification purposes. Visit the nearest Iktisatbank branch. - Can I update Mail Order and E-commerce settings via Telephone Banking?
Yes, as long as your mobile number is up-to-date.
Questions About IVR System
- What is the working schedule of the IVR system?
The Interactive Voice Response system is available 24/7. - What transactions can be completed via IVR?
Please click here to view the full list of services. - In which languages is the IVR system available?
The IVR system supports Turkish, English, and Russian.