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Turkish cash advance interest calculator
Work out the monthly instalment and total interest on a card cash advance, at the central bank maximum rate, with taxes.
Monthly rate
4.25% plus KKDF and BSMV5.525%
4.25% plus KKDF and BSMV5.525%
Monthly instalment3,708 TL
Total interest and tax in instalments1,125 TL
Interest and tax if repaid in one go at the end1,751 TL
Instalment cash advances are priced at the card’s cash rate. The maximum term varies by bank. Some banks add a transaction fee, not included here.
How it works
- The maximum monthly rate on cash advances is 4.25%, with 4.55% late interest. It doesn’t depend on the balance.
- Instalment cash advances use the same cash rate, not personal loan rates.
- 15% KKDF and 15% BSMV are added: 5.525% a month in total.
Sources: [1][2][3][4]· Last checked: 27 September 2026 · Denkle editorial desk
Common questions
How much is cash advance interest?
In 2026 the maximum is 4.25% a month, with 4.55% late interest. With taxes that is 5.525% a month.
What is the credit card interest rate in Turkey in 2026?
The central bank’s maximum monthly rate by statement balance: 30,000 TL under 3.25%, 30,000 to 180,000 TL 3.75%, 180,000 TL and over 4.25%. Late interest: 30,000 TL under 3.55%, 30,000 to 180,000 TL 4.05%, 180,000 TL and over 4.55%. 15% KKDF and 15% BSMV are added.