How do I use ATMs in Turkey?

How do I use ATMs in Turkey?

The Republic of Turkey, a beautiful country situated at the crossroads of Europe and Asia, offers a perfect blend of rich history, diverse culture, stunning landscapes, and vibrant urban life. Whether you are planning to admire the majestic architecture of Istanbul, dive into the Mediterranean's crystal clear waters, or explore the unique beauty of Cappadocia - there's something for everyone in Turkey. While planning your journey, one essential aspect you should not overlook is understanding how to use ATMs in the country. This guide will walk you through all that you need to know about using ATMs in Turkey.

Understanding the Currency in Turkey

Before focusing on ATMs, it's crucial to understand the local currency. The official currency of Turkey is the Turkish Lira (TRY), further divided into kurus. Banknotes come in the denominations of 5, 10, 20, 50, 100, and 200 Lira, while coins are in 1, 5, 10, 25, and 50 kurus, and 1 Lira.

Availability of ATMs in Turkey

You'll find ATMs, or 'Bankamatiks' as they're referred to in Turkey, virtually everywhere – from bustling cities like Istanbul and Ankara to the picturesque coastal towns of Antalya and Bodrum. Even in smaller towns and rural areas, ATMs are conveniently located. Major Turkish banks such as İşBank, Akbank, Yapı Kredi, Ziraat Bankası, and Garanti BBVA have widespread ATM networks across the country.

Using the ATMs

Turkish ATMs function like any other worldwide, and using them is quite straightforward. Most ATMs have an option for English and other languages, so non-Turkish speakers should not worry.

How to withdraw money?

Insert your card into the machine, select your preferred language, enter your pin, choose the 'withdraw money' option, input the amount you want, then take your cash and receipt. It's as simple as that.

ATM Fees and Charges

While ATMs provide easy access to your cash, be aware of the potential fees. Accessing your foreign bank account can lead to charges such as foreign transaction fees and currency conversion fees. Some Turkish banks also charge a small fee for cash withdrawals. To get around this, consider withdrawing larger amounts at once, but remember to prioritize your safety and don't carry around large amounts of cash.

Additionally, some banks might offer you a service called DCC (Dynamic Currency Conversion), where you have the option to see the withdrawal amount in your home currency. While it may seem tempting, it's advisable to decline this service, as the exchange rates are usually unfavorable and may lead to higher costs.

Credit or Debit Cards?

Both credit and debit cards are widely accepted in Turkey. VISA and MasterCard are the most commonly accepted, while American Express is less frequently accepted. Debit cards linked to your home bank account are generally the most cost-effective way to get cash from a Turkish ATM, but it's wise to check with your bank about overseas withdrawal fees.

ATMs and Travel Safety

Like anywhere in the world, when using ATMs, ensure you prioritize your safety. Always use ATMs in well-lit, busy locations, cover your pin when entering it, and put your cash away immediately after withdrawing it. If an ATM looks tampered with or suspicious, do not use it and alert the nearest bank or police station if possible.

Tips and Tricks

Some Turkish ATMs dispense both Lira and foreign currencies like Euros or US Dollars. However, it's advised to withdraw Lira for convenience and to avoid unfavorable exchange rates at local businesses. It's also wise to inform your bank of your travel plans to avoid your card being blocked due to suspicious overseas transactions.


With proper understanding and precaution, using ATMs in Turkey is a hassle-free experience. By considering the potential ATM fees and prioritizing safety, you can easily manage your financial needs in this remarkable country. Remember to keep an eye on your bank's international policies, keep track of your spending, and enjoy your journey in the enchanting landscapes and rich culture of Turkey.

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