Business & Commerce

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)

🇹🇷Türkiye··Communiqué·Medium Impact·Gazette #2020·View source ↗

AI-generated summary for informational purposes only. Not legal advice. See the original source for the authoritative text.

🇬🇧 English

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.

AI-generated summary. May contain errors. Refer to official sources for legal decisions.

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

high

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
operational
medium

Banks may freely determine credit disbursement fees (kredi kullandırım ücreti) for non-Turkish Lira cash loans without regulatory caps, effective 1 February 2026

Banks
operational
high

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

Banks
operational
high

Implement the new fee regime differentiating TL from non-TL cash loans no later than 1 February 2026

Banks
operational

Affected Parties

Commercial banksCorporate and commercial customers+3 more…

Tags

banking regulation,credit fees,commercial loans