Turkey
Hayat Finans
Türkiye’s first digital bank on its own copy. BDDK participation bank. Hayat Holding.
7.1Solid
activeFeaturedNeobankHalal banking
- HQ
- Istanbul
- Fee
- Fee-free banking is a homepage pitch — read the live product and service fees
Enpara
Enpara Bank A.Ş. after the 28 Aug 2025 QNB spin-off. BDDK bank. Not a brand of QNB anymore.
Legal entity: Enpara Bank A.Ş.
Rate this app
7.4Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Enpara Bank A.Ş. — BDDK bank after 28 August 2025 spin-off from QNB Türkiye (BDDK (Banking Regulation and Supervision Agency)). Still read the entity on the statement.
If it fails?
QNB’s own about page: with BDDK authorisation, Enpara.com was separated from QNB Turkey on 28 August 2025 and continues as Enpara Bank A.Ş. Eligible deposits at a BDDK bank follow TMSF — confirm the live cap on tmsf.org.tr. Shared-cap maths with QNB ended when the spin-off completed. Read the statement footer.
Salary?
A BDDK bank current account can take a Turkish salary. Confirm the IBAN after the spin-off.
Open from abroad?
Turkish KYC. Not a tourist TRY mill.
Monthly fee
Core current account is historically fee-light — confirm live tariff on enpara.com
Account number
No IBAN-class local rail on this file.
NeoBankDBVerdict
Licence first · score second
7.4
/10 · Solid
Enpara.com launched on 5 October 2012 as Turkey’s first branchless digital bank — that sentence is QNB’s, not a directory’s. The 2025 news is the licence: QNB’s about page says, with BDDK authorisation, Enpara.com was separated from QNB Turkey on 28 August 2025 and continues as Enpara Bank A.Ş. Istanbul Trade Registry 494129-5 and Esentepe, Büyükdere Cad. No: 215, Şişli appear on the published spin-off papers. Directories that still write ‘Finansbank brand’ are a year late. Hayat Finans is the other BDDK digital charter. TMSF follows the bank you actually hold — confirm the live cap. Read the statement footer after the split.
What it is
For thirteen years Enpara was a skin. From 28 August 2025 it is Enpara Bank A.Ş. NeoBankDB scores the entity, not the orange login.
Best for: Turkish residents who already used Enpara.com and need the 2025 bank entity named.
Last checked 2026-09-03. Not advice.
What it does well
- +Now a named BDDK bank, not a QNB skin
- +QNB official page dates the split: 28 August 2025
- +Long digital track record (launched 5 Oct 2012)
- +Current + savings + cards on one login
What to watch
- −Spin-off is new — read the live entity on the statement
- −Turkish residency
- −ATM network after QNB split must be confirmed
- −Not a euro-IBAN mill
Legal entity, not the app icon
Who is behind it
- Legal name
- Enpara Bank A.Ş.
- Formerly
- Enpara.com digital brand of QNB Finansbank / QNB Türkiye
- Parent
- Spun out of QNB Bank A.Ş. on 28 August 2025 — confirm live shareholders
- Offices
- Esentepe Mah. Büyükdere Cad. No: 215, Şişli / İstanbul (spin-off papers)
The product, not the brand colour
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal · Şirketim (business SKU on the live site)
- Partner bank
- Enpara Bank A.Ş. (no longer QNB Türkiye after 28 Aug 2025)
- Availability
- Türkiye
- Remote open
- Turkish KYC. Not a tourist TRY mill.
- Onboarding
- Open on enpara.com / the Enpara app. Identity as asked.
- Salary / payroll
- A BDDK bank current account can take a Turkish salary. Confirm the IBAN after the spin-off.
- Local rails
- FAST / EFT / Havale on the bank account
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal · Business
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- visa · physical · virtual · Google Pay
Licence first
Safety
QNB’s own about page: with BDDK authorisation, Enpara.com was separated from QNB Turkey on 28 August 2025 and continues as Enpara Bank A.Ş. Eligible deposits at a BDDK bank follow TMSF — confirm the live cap on tmsf.org.tr. Shared-cap maths with QNB ended when the spin-off completed. Read the statement footer.
Holder / issuer: Enpara Bank A.Ş.
- BDDK (Banking Regulation and Supervision Agency)Enpara Bank A.Ş. — BDDK bank after 28 August 2025 spin-off from QNB Türkiye · Turkey
Fees
- Monthly
- Core current account is historically fee-light — confirm live tariff on enpara.com
- FX markup
- Bank FX
- ATM
- QNB ATM heritage on older pages — confirm live network after the spin-off
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- BDDK bank in its own name from 28 Aug 2025
- Current / term / gold / silver accounts
- Encard credit card
- FAST / EFT / Havale
- Branchless from 2012
Before you tap Sign up
How to open
Step 1
Name the 2025 entity
Enpara Bank A.Ş. Not QNB Türkiye. BDDK authorised the split on 28 August 2025.
Step 2
Open in the Enpara app
Same orange login. The statement footer is what changed.
Step 3
Check TMSF at the new bank
Shared-cap maths with QNB ended with the spin-off. Confirm live.
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.2
- Fees20%
- 8.4
- Features15%
- 8.0
- App15%
- 8.4
- Global15%
- 3.0
- Support10%
- 7.6
Change log
Full logLicence
Enpara.com spun out as Enpara Bank A.Ş.
QNB’s about page: with BDDK authorisation, Enpara.com was separated from QNB Turkey on 28 August 2025. Directories that still write ‘Finansbank brand’ are late.
Available in
Straight answers
FAQ
01Is Enpara a bank?
Enpara holds a banking-style licence (BDDK (Banking Regulation and Supervision Agency)). Still read the legal entity on the statement, not the app icon.
02How is money protected?
QNB’s own about page: with BDDK authorisation, Enpara.com was separated from QNB Turkey on 28 August 2025 and continues as Enpara Bank A.Ş. Eligible deposits at a BDDK bank follow TMSF — confirm the live cap on tmsf.org.tr. Shared-cap maths with QNB ended when the spin-off completed. Read the statement footer.
03Where is Enpara available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Enpara.
04Card and wallets?
visa · physical · virtual · Google Pay
05Can I open Enpara remotely?
Turkish KYC. Not a tourist TRY mill.
06What is the legal name behind Enpara?
Enpara Bank A.Ş. (formerly Enpara.com digital brand of QNB Finansbank / QNB Türkiye). Read the entity on the statement, not the app icon.
07Can I receive salary on Enpara?
A BDDK bank current account can take a Turkish salary. Confirm the IBAN after the spin-off.
08Is Enpara still QNB?
QNB’s own about page: Enpara.com was separated from QNB Turkey on 28 August 2025 and continues as Enpara Bank A.Ş. Read the statement, not a 2024 roundup.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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