Chart comparing interchange fees for ATM and POS transactions

The interchange fee applies to transactions where the card-issuing bank and the POS/ATM-owning bank are different. (For example, withdrawing cash from Bank Y's ATM using a card issued by Bank X.)

So, is the fee charged on a card's ATM transaction the same as the fee charged on its POS transaction?

The fee charged on a card's ATM transactions differs from the fee charged on its POS transactions.

So, does the fee charged on POS/ATM transactions differ between credit cards and debit cards?

For POS transactions, the fees charged for debit cards and credit cards differ, whereas for ATM transactions, the same fee is charged regardless of whether the card is a credit card or a debit card.

What is the fee rate for POS and ATM transactions?

The fee rates charged on POS and ATM transactions change periodically, but the current values are as follows:

ATM
Fee RateFixed Fee
Cash Withdrawal1%0,91 TL
Cash Deposit1%0,91 TL
Balance Inquiry0%0,24 TL
POS
Fee RateFixed Fee
Credit Card2.180
Debit Card0.980

Note: These figures are not the fee rates banks charge their cardholders; they are the fee rates the card-issuing bank pays to the POS/ATM-owning bank. However, banks are legally prohibited from charging their customers more than 15% above these rates.