Money & Payments in Antalya (2026)

Good to know

Good to Know

Use ATMs from Halk Bank or PTT (Post Office) to avoid withdrawal fees. Ziraat Bank, once fee-free, now charges fees as of mid-2026.
Always decline the ATM's currency conversion offer and withdraw in Turkish Lira only—accepting DCC can add hidden fees of up to 12%.
Cards work well in Antalya's central areas, hotels, and restaurants, but always carry some cash (50–200 TRY) for markets, small shops, and street vendors.
Tipping is expected in restaurants (5–10%) but optional elsewhere. Always tip in Turkish Lira cash, handed directly to staff—card tips often don't reach employees.
Most Turkish ATMs accept 4-digit PINs and offer English-language screens. Some older stores still require magnetic stripe cards, not just chip-and-PIN.
For taxis, rounding up the fare is the norm; full tips are only expected for longer journeys or luggage assistance.

Account Types

Current Account (Mevduat Hesabı)
Description
Standard checking account for everyday payments; most common for expats
Time Deposit Account (Vadeli Hesap)
Description
Interest-bearing savings account, typically offering higher rates than checking
Multi-currency Accounts
Description
Available in TRY, USD, EUR, GBP and other currencies

Account Opening Process

Cost: Account opening is free; no fees charged
Timeframe: After obtaining tax ID, account opening takes approximately 2 hours at a bank branch. Most major banks no longer require in-person visits for some account types
Residence Permit: Not legally required by Turkish banking law, though some banks impose internal policies requiring one; non-residents can open accounts

Requirements For Foreigners

Valid passport (original + copies)
Turkish Tax Identification Number (Vergi Kimlik Numarası) — obtained free at local tax office in 15-30 minutes
Turkish mobile phone number
Proof of address (rental contract, utility bill from last 90 days, or employer letter)

Recommended Banks For Foreigners

Ziraat Bankası
Type
State-owned
Services
English online banking, debit cards, international transfers
For Foreigners
Most accessible for non-residents; branches nationwide
DenizBank
Type
Private
Services
SWIFT transfers, flexible account options
For Foreigners
Explicitly accepts non-residents; typically requires ~$2,500 USD minimum deposit
Garanti BBVA
Type
Private
Services
Excellent mobile app (iGaranti) in English, English-speaking specialists, multi-currency accounts
For Foreigners
Preferred by European expats; top choice for international transfers
Akbank
Type
Private
Services
English online/mobile banking, multi-currency accounts, good digital tools
For Foreigners
Familiar with foreign customers, especially in resort areas
Yapı Kredi
Type
Private
Services
Foreign currency and TRY accounts, deposits, savings, credit cards in English
For Foreigners
Caters to foreigners with residence permits
Türkiye İş Bankası (İşBank)
Type
Private
Services
Multi-currency accounts, online banking in English
For Foreigners
Large network, English support; good for salaried employees
International Banks
Options
HSBC Turkey, Deutsche Bank, Citibank Turkey, ING Bank Turkey
Note
Offer multi-currency, corporate, and high-net-worth services; typically require proof of residency

ATM Fees

Overview: Most Turkish ATMs charge withdrawal fees between 50–150 TRY. Some banks offer zero-fee withdrawals up to a limit.
Dcc Warning: Declining Dynamic Currency Conversion at the ATM is critical—accepting it can result in conversion fees up to 12% on top of the ATM withdrawal fee.

Fee Avoidance Tips

Use Halk Bank or PTT ATMs for zero-fee withdrawals
Decline the ATM's Dynamic Currency Conversion (DCC) offer to avoid additional hidden charges; instead choose withdrawal in Turkish Lira only
Use ATMs attached to bank branches rather than isolated machines
Prefer major bank ATMs in central areas over remote/standalone machines

ATM Access

Availability: ATMs are abundant throughout Antalya and Turkey. ATMs are located at the airport, bank branches, popular tourist areas, and resorts.
Withdrawal Limits: Typical per-transaction limits are between 1,500–5,000 TRY, though limits vary by ATM operator and your bank.

Recommended Banks

Halk Bank (no fees)
PTT (Post Office ATMs, no fees)
Ziraat Bank (was no-fee but now charges fees as of mid-May 2026)
ING Bank
Şekerbank
Fibabanka

Tipping Norms

General Notes: Tipping is appreciated but not mandatory. Tips in Turkish Lira are preferred. Always tip in cash, and hand it directly to the service provider when possible. Service staff earn relatively modest wages, so tips are genuinely valued.

Taxis

Phrase: Say 'Üstü kalsın' (keep the change) or 'Tamam' (okay) to indicate the driver should keep the remainder.
Standard: Not required. Customary to round up the fare to the nearest significant amount (e.g., 20.60 TL becomes 21 TL).
Longer Journeys: 10% tip is common for longer journeys or if the driver helps with luggage.

Hotel Staff

Reception: 10 EUR or 100–200 TRY when checking out for exceptional service
Housekeeping: 5 EUR or 50–100 TRY, left on the bed at the end of stay
Porters And Bellhops: 2–5 EUR or 50–100 TRY per bag

Tour Guides

Standard: 10% of tour cost
Group Tours: 10–15 EUR per guide per day, shared among the group

Hammam And Spa

Standard: 15–20% of service cost, shared among attendants

Restaurants And Cafes

Standard: 5–10% of the bill for good service
Exceptional Service: 10–15%
Service Charge Note: Some restaurants, especially higher-end or very touristy establishments, may include a service charge (servis ücreti) of 10–15%. Check your bill; if included, no additional tip is necessary.

Card Acceptance

Overview: Cards are widely accepted in Antalya and major cities, but cash is still essential for many venues.

Accepted Cards

Visa
Mastercard
Maestro

Where Cards Accepted

Most restaurants in Antalya and other major cities
Hotels and accommodations
Shopping centers and malls
Entrance tickets to tourist attractions
Most coffee shops and bakeries
Tours and organized activities

Where Cash Preferred Or Required

Smaller local shops and markets
Traditional bazaars
Street food vendors
Some taxis (especially outside ride-hailing apps)
Guesthouses and smaller accommodations
Dolmuş (shared minibuses)

Important Notes

Physical signature typically required in person, especially for non-residents
Tax ID number is the single most critical requirement — without it, no bank will open an account
Private banks in major cities like Antalya are most experienced with foreign clients
Policies for foreigners vary by branch; confirm requirements before visiting
Many banks charge low/no fees for standard checking; most offer interest on savings accounts

International Transfers

Timeframe: Typically 1-3 business days
Infrastructure: FAST system enables 24/7 real-time payments between all Turkish banks
Notes: Most banks provide English-language online banking for international transfers

AI-generated estimateData refreshed July 2026

Sources cited for this category

These are the sources cited in this money & payments research for this city. Individual figures may not each trace to one of them.

More About Antalya

Data last updated July 2026 · Verify anything important.

Money & Payments in Antalya

Good to know

Good to Know

Account Types

Current Account (Mevduat Hesabı)

Time Deposit Account (Vadeli Hesap)

Multi-currency Accounts

Account Opening Process

Requirements For Foreigners

Recommended Banks For Foreigners

Ziraat Bankası

DenizBank

Garanti BBVA

Akbank

Yapı Kredi

Türkiye İş Bankası (İşBank)

International Banks

ATM Fees

Fee Avoidance Tips

ATM Access

Recommended Banks

Tipping Norms

Taxis

Hotel Staff

Tour Guides

Hammam And Spa

Restaurants And Cafes

Card Acceptance

Accepted Cards

Where Cards Accepted

Where Cash Preferred Or Required

Important Notes

Important Notes

International Transfers

Sources cited for this category

Money & Payments in other Middle East cities

More About Antalya