Turkish credit card debt restructuring calculator
See the monthly instalment and total interest if you restructure card debt over up to 48 months.
4.043% with taxes3.11%
Assumes the capped rate plus 15% KKDF and 15% BSMV, as on card interest. The instalment is added to your minimum payment each month.
How it works
- Under the BDDK decision of 29 January 2026, personal card debt can be restructured over up to 48 months. The decision gave cardholders 3 months from that date to apply.
- The monthly rate can’t exceed the 3.11% reference rate. The instalment is added to your minimum payment each month.
- The card stays open, but the limit can’t be raised until half the debt is repaid.
Sources: [1][2]· Last checked: 27 September 2026 · Denkle editorial desk
Common questions
How long can card debt be restructured for?
Up to 48 months under the BDDK decision of 29 January 2026, at no more than the 3.11% reference rate.
Can I still apply?
The decision gave a 3-month application window from its date. We haven’t seen a BDDK decision extending it; ask your bank.
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.