The Central Bank of the Republic of Turkey (CBRT) has implemented a significant limit increase in the FAST system. Under the regulation that took effect on August 26, 2026, the transaction limit applied to FAST money transfers was raised from TRY 100,000 to TRY 300,000. The same limit increase was also applied to Request to Pay transactions and to merchant payments with dynamic verification made via the FAST-TR QR Code.
This change has paved the way for FAST to be used effectively not only as an infrastructure for individual money transfers but also in higher-value commercial payment scenarios.
What Are the New FAST Limits?
Following the regulation by the CBRT:
- The transaction limit for FAST money transfers was raised from TRY 100,000 to TRY 300,000.
- The upper limit for payments made through the Request to Pay overlay service was set at TRY 300,000.
- The limit for merchant payments with dynamic verification made via the FAST-TR QR Code was raised from TRY 250,000 to TRY 300,000.
As a result, limits across the different FAST usage scenarios have been largely aligned.
The Biggest Limit Increase in FAST in the Last Two Years
The previous major update to FAST limits took place in April 2024. At that time, the standard FAST transfer limit was raised from TRY 50,000 to TRY 100,000, while the limit for FAST-TR QR Code merchant payments was raised from TRY 100,000 to TRY 250,000.
The latest regulation, which took effect on August 26, 2026, tripled the standard FAST transfer limit, making it one of the most notable increases in the system’s history.
The Request to Pay Service Is Also Covered by the New Limit
One of the most important aspects of the regulation is that the Request to Pay service also benefits from the same limit increase.
The Request to Pay infrastructure allows users to create a payment request through the digital channels of banks or payment institutions, and once the other party approves, the payment is executed instantly over the FAST infrastructure.
With the new regulation, payments of up to TRY 300,000 can now be made in Request to Pay transactions as well. This development has made FAST-based usage scenarios more attractive, particularly in commercial collection processes.
New Opportunities for Commercial Payments
The limits, which have risen to the TRY 300,000 level, have significantly broadened FAST’s range of use.
In particular:
- Corporate collection processes,
- Dealer and distributor payments,
- E-commerce and marketplace reconciliations,
- High-value individual transfers,
- QR-based merchant payments
FAST is expected to be preferred more often in scenarios like these.
Thanks to its 24/7 operation compared with traditional EFT processes, FAST also offers businesses significant advantages in liquidity management.
FAST’s Growth Journey
The FAST system was first launched on January 8, 2021. Initially with a transaction limit of only TRY 1,000, the system has grown gradually as the number of users and transaction volumes have increased.
The limit progression went as follows:
| Date | FAST Limit |
|---|---|
| January 2021 | TRY 1,000 |
| 2021 | TRY 2,000 |
| February 2022 | TRY 5,000 |
| April 2024 | TRY 100,000 |
| August 2026 | TRY 300,000 |
During this process, the FAST ecosystem did not remain limited to money transfers; it expanded its scope with overlay services such as Easy Address, TR QR Code and Request to Pay.
Assessment
The limit increase that took effect on August 26, 2026 can be regarded as an important milestone in the maturing of Turkey’s instant payment infrastructure. The new limits, which have reached the TRY 300,000 level, make it possible for FAST to be used more widely in commercial collection and payment processes beyond individual use.
This regulation appears set to contribute significantly to the creation of new products and use cases, especially for digital banks, payment institutions, fintech companies and organizations developing QR-based payment solutions. FAST is no longer just a money transfer system; it has become one of the core components of Turkey’s growing digital payment ecosystem. By bringing money transfers, Request to Pay and TR QR Code-based payments together under a common upper limit, raising the FAST transaction limit to TRY 300,000 has significantly broadened the use of instant payments in commercial life.
