An important update on the PIN-free contactless payment limit was announced in an official letter sent to banks by the BRSA. Accordingly, from January 15, 2026, the upper limit for contactless payments that can be made without entering a PIN will be 2,500 TL.
PIN-free contactless payment limit – 2026
Under the new regulation:
- For contactless payments up to 2,500 TL, no PIN will be required
- For contactless transactions of 2,500 TL and above, entering the card PIN will be mandatory
Currently, for contactless payments made with credit cards or mobile devices (phones, smartwatches, etc.), purchases of up to 1,500 TL can be completed instantly without the customer entering a PIN. As of January 15, 2026, this limit will be raised to 2,500 TL, allowing users to make higher-value everyday purchases quickly and conveniently.
Balancing user experience and security
The limit increase aims to shorten payment times in heavily used areas such as supermarkets, restaurants, fuel stations and retail shopping, reduce waiting times at the checkout, and strengthen the contactless payment experience. Meanwhile, because the PIN requirement continues for transactions above the set amount, ease of use is provided without compromising security.
Time since the last update
The contactless PIN-free payment limit was last updated on July 1, 2024. This new regulation, coming after roughly a year and a half, was implemented in light of rising price levels and changing consumption habits.
When does it take effect and who does it apply to?
The new limit:
- As of January 15, 2026
- In all banks
- Will apply to all credit cards and mobile devices with contactless payment capability.
While contributing to the spread of digital payment habits in Turkey, this step also supports contactless payments taking a more central role in daily life.
