Communiqué on Amendments to the Communiqué on Procedures and Principles Regarding Fees That May Be Charged by Banks to Commercial Customers (No: 2020/4) (No: 2026/5)
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This amendment to the 2020/4 Communiqué issued by the Central Bank of the Republic of Turkey (CBRT) adds a new paragraph to Article 9. It states that the fee limitations specified in the second paragraph of that article apply only to Turkish Lira cash loans. For all other cash loans (foreign currency or other non-TL cash credits), banks are free to determine the credit disbursement fees without any regulatory caps. The change takes effect on 1 February 2026. This deregulates credit utilization fees on non-TL loans for commercial customers while maintaining existing restrictions on Turkish Lira loans.
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Key Changes
- Added new paragraph (3) to Article 9 of Communiqué 2020/4
- Fee limitations in Article 9(2) apply only to Turkish Lira cash loans
- Credit disbursement fees for all non-TL cash loans can now be freely determined by banks
+ 3 more changes with Pro
Obligations
What this law requires
Banks must continue to apply fee limitations specified in Article 9, paragraph 2 of Communiqué 2020/4 to Turkish Lira (TL) cash loans for commercial customers
Banks may freely determine credit disbursement fees (kredi kullandırım ücreti) for non-Turkish Lira cash loans without regulatory caps, effective 1 February 2026
Banks must distinguish between TL cash loans (subject to fee caps) and other cash loans (foreign currency or non-TL credits) when calculating and charging credit disbursement fees
Implement the new fee regime differentiating TL from non-TL cash loans no later than 1 February 2026