How to choose the right bank account type for your income situation.
Action checklist
Complete these steps in order for the fastest, safest setup.
1Maaş hesabı (salary account): waived fees if salary credited monthly
2Standard accounts: ₺50–200/month maintenance fee without salary
3Garanti BBVA and İş Bankası: best apps, English-language support
4Open USD/EUR subaccount to protect savings from TRY depreciation
City context: Istanbul
These steps are tailored for newcomers in Istanbul. Costs, availability, and requirements may differ in other cities — switch the city selector above to switch context.