TR · TRY

Turkey digital banks

Turkish digital-bank search is full of loan shops and wallets. Hayat Finans Katılım Bankası A.Ş. is a BDDK digital participation bank — operating licence 23 March 2023, Hayat Holding, TRY 1.5bn capital on its own news page. Enpara.com was QNB’s branchless skin from 2012; QNB’s about page says it was separated on 28 August 2025 as Enpara Bank A.Ş. BankPozitif is a BDDK development and investment bank, not a travel neobank. A BDDK bank deposit is a TMSF object. An e-money wallet is not.

3Live on NeoBankDB

Regulator

BDDK (Banking Regulation and Supervision Agency); CMB for markets

Deposit scheme

TMSF covers eligible bank deposits; the live cap is restated periodically — confirm on TMSF

In this market

Licence still sits on the product

Product	Score	HQ	Monthly	FX	Users	Licence
Enpara	7.4	Istanbul, Turkey	Core current account is historically fee-light — confirm live tariff on enpara.com	Bank FX	Enpara Bank digital	Enpara Bank A.Ş. — BDDK bank after 28 August 2025 spin-off from QNB Türkiye
Hayat Finans	7.1	Istanbul, Turkey	Fee-free banking is a homepage pitch — read the live product and service fees	Hayat FX — bank FX, not Wise	Türkiye digital participation bank	Digital participation bank — Hayat Finans Katılım Bankası A.Ş. Operating licence 23 March 2023
BankPozitif	5.3	Istanbul, Turkey	Bank tariff — confirm live	Not a Revolut clone	Specialist-bank scale	Development and investment bank — BankPozitif Kredi ve Kalkınma Bankası A.Ş.