{"id":14153,"date":"2020-02-11T07:50:06","date_gmt":"2020-02-11T07:50:06","guid":{"rendered":"http:\/\/www.alohaber.net\/wp\/?p=14153"},"modified":"2020-02-11T07:50:06","modified_gmt":"2020-02-11T07:50:06","slug":"finansal-tuketicilerden-alinacak-ucretlere-iliskin-usul-ve-esaslar-hakkinda-yonetmelikte-degisiklik-yapilmasina-iliskin-yonetmelik-3","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2020\/02\/finansal-tuketicilerden-alinacak-ucretlere-iliskin-usul-ve-esaslar-hakkinda-yonetmelikte-degisiklik-yapilmasina-iliskin-yonetmelik-3\/","title":{"rendered":"Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin Us\u00fbl ve Esaslar Hakk\u0131nda Y\u00f6netmelikte De\u011fi\u015fiklik Yap\u0131lmas\u0131na \u0130li\u015fkin Y\u00f6netmelik"},"content":{"rendered":"

\"\"<\/a>Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretler Us\u00fbl ve Esaslar 10 \u015eubat 2020 Tarihli Resmi Gazete Say\u0131: 31035 Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumundan:…<\/p>\n

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Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin Us\u00fbl ve Esaslar Hakk\u0131nda Y\u00f6netmelikte De\u011fi\u015fiklik Yap\u0131lmas\u0131na \u0130li\u015fkin Y\u00f6netmelik<\/strong><\/p>\n

Tarih:\u00a0
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Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretler Us\u00fbl ve Esaslar<\/strong><\/p>\n

10 \u015eubat 2020 Tarihli Resmi Gazete<\/p>\n

Say\u0131: 31035<\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumundan:<\/strong><\/p>\n

MADDE 1 \u2013<\/strong>\u00a03\/10\/2014\u00a0tarihli ve 29138 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretlere \u0130li\u015fkin\u00a0Us\u00fbl\u00a0ve Esaslar Hakk\u0131nda Y\u00f6netmeli\u011fin<\/a><\/strong>\u00a05 inci maddesinin ikinci ve \u00fc\u00e7\u00fcnc\u00fc f\u0131kralar\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(2) K\u00e2\u011f\u0131t \u00fczerinde d\u00fczenlenecek s\u00f6zle\u015fmelerde, \u201cS\u00f6zle\u015fmenin bir n\u00fcshas\u0131n\u0131 elden ald\u0131m.\u201d \u015feklindeki ibarenin finansal t\u00fcketici taraf\u0131ndan yaz\u0131lmas\u0131n\u0131n sa\u011flanmas\u0131 zorunludur. G\u00f6rme engelli t\u00fcketicilerde bu \u015fart aranmaz.<\/p>\n

(3) S\u00f6zle\u015fmeler kapsam\u0131nda \u00fccret al\u0131nabilecek her bir \u00fcr\u00fcn veya hizmet i\u00e7in finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nmas\u0131 zorunludur. S\u00f6zle\u015fmede \u00fccreti belirlenmi\u015f olan \u00fcr\u00fcn ve hizmetler haricinde bir \u00fcr\u00fcn veya hizmetin kurulu\u015flar taraf\u0131ndan \u00fccret kar\u015f\u0131l\u0131\u011f\u0131 verilebilmesi i\u00e7in i\u015flemin ger\u00e7ekle\u015ftirildi\u011fi alan\u0131n yap\u0131s\u0131na uygun bir \u015fekilde, finansal t\u00fcketiciye i\u015flem \u00f6ncesinde \u00fccrete ili\u015fkin bilgi verilmesi ve finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nmas\u0131 gerekmektedir. Kurulu\u015flar taraf\u0131ndan finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nd\u0131\u011f\u0131 ispat edilemedi\u011fi takdirde, onay al\u0131nmam\u0131\u015f say\u0131l\u0131r.\u201d<\/p>\n

MADDE 2 \u2013<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 6\u00a0nc\u0131\u00a0maddesinin birinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(1) Kurulu\u015flar taraf\u0131ndan \u00fccretlendirilebilecek olan \u00fcr\u00fcn veya hizmetler Ek-1\u2019de s\u0131n\u0131fland\u0131r\u0131lm\u0131\u015ft\u0131r. Bu s\u0131n\u0131fland\u0131rman\u0131n, i\u015flemlerin finansal niteliklerine g\u00f6re ayr\u0131m\u0131 Kurumun uygun g\u00f6r\u00fc\u015f\u00fc al\u0131narak Birlikler taraf\u0131ndan yap\u0131l\u0131r. Bu Y\u00f6netmelik ve ekinde yer alanlar\u0131n d\u0131\u015f\u0131nda herhangi bir \u00fcr\u00fcn veya hizmet i\u00e7in \u00fccret al\u0131namaz ancak, Y\u00f6netmelik ve ekinde yer alan \u00fcr\u00fcn ve hizmetler kapsam\u0131nda \u00fc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6denen tutarlar al\u0131nabilir.\u201d<\/p>\n

MADDE 3 \u2013<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 7\u00a0nci\u00a0maddesinin birinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015f, ikinci f\u0131kras\u0131 y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p>\n

\u201c(1) Bu Y\u00f6netmelikteki \u00fccret ve parasal s\u0131n\u0131rlar her y\u0131l azami, T\u00fcrkiye \u0130statistik Kurumunca bir \u00f6nceki y\u0131lsonu itibar\u0131yla a\u00e7\u0131klanan y\u0131ll\u0131k t\u00fcketici fiyat endeksi art\u0131\u015f oran\u0131nda art\u0131r\u0131l\u0131r. Kurulu\u015flar \u00fccret art\u0131\u015flar\u0131n\u0131, art\u0131\u015f uygulanmaya ba\u015flanmadan en az otuz g\u00fcn \u00f6nce finansal t\u00fcketiciye yaz\u0131l\u0131 olarak veya kal\u0131c\u0131 veri saklay\u0131c\u0131s\u0131 yoluyla veya kayd\u0131 tutulan telefon vas\u0131tas\u0131yla bildirmek zorundad\u0131r. Bu bildirim \u00fczerine finansal t\u00fcketicinin kendisine bildirim yap\u0131ld\u0131\u011f\u0131 tarihten itibaren\u00a0onbe\u015f\u00a0g\u00fcn sonras\u0131na kadar \u00fcr\u00fcn\u00fcn veya hizmetin kullan\u0131m\u0131ndan vazge\u00e7me hakk\u0131 vard\u0131r. Bu hakk\u0131n kullan\u0131lmas\u0131 h\u00e2linde uygulanacak \u00fccret art\u0131\u015f\u0131n\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi tarihten itibaren ilave \u00fccret al\u0131namaz. Kurulu\u015flar, vazge\u00e7me hakk\u0131n\u0131 kullanan finansal t\u00fcketiciye uyu\u015fmazl\u0131k konusu \u00fcr\u00fcn veya hizmeti vermeyi durdurabilir. Finansal t\u00fcketicinin \u00fcr\u00fcn\u00fc kullanmaya veya hizmeti almaya devam etmesi h\u00e2linde, de\u011fi\u015fikli\u011fin kabul edildi\u011fi varsay\u0131l\u0131r.\u201d<\/p>\n

MADDE 4 \u2013<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 9 uncu maddesinin ikinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015f, an\u0131lan maddeye a\u015fa\u011f\u0131daki dokuzuncu f\u0131kra eklenmi\u015ftir.<\/p>\n

\u201c(2) Kurulu\u015flar finansal t\u00fcketicinin onay\u0131n\u0131 almaks\u0131z\u0131n yapt\u0131\u011f\u0131 bildirimlerden \u00fccret alamaz. Onay al\u0131nd\u0131\u011f\u0131 takdirde bildirim i\u015flemi i\u00e7in al\u0131nacak \u00fccret \u00fc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6denen tutar\u0131 ge\u00e7emez. \u0130lgili mevzuat gere\u011fi belirli bir \u015fekilde yap\u0131lmas\u0131 zorunlu olan bildirim ve i\u015flemlerden maliyetleri kadar \u00fccret al\u0131nabilir.\u201d<\/p>\n

\u201c(9) Kurulu\u015flar taraf\u0131ndan s\u00fcreklilik arz etmeyen para transferleri, fatura tahsil\u00e2t\u0131 gibi anl\u0131k i\u015flem ve hizmetlerden \u00fccret tahsil edilmeden \u00f6nce, i\u015flemin ger\u00e7ekle\u015ftirildi\u011fi alan\u0131n yap\u0131s\u0131na uygun bir \u015fekilde finansal t\u00fcketicinin onay\u0131n\u0131n al\u0131nmas\u0131 sonras\u0131 i\u015flem ger\u00e7ekle\u015ftirilir. Bu i\u015flemlere ili\u015fkin \u00fccretlere s\u00f6zle\u015fmede yer verilme \u015fart\u0131 aranmaz.\u201d<\/p>\n

MADDE 5 \u2013\u00a0<\/strong>Ayn\u0131 Y\u00f6netmeli\u011fin 10 uncu maddesinin alt\u0131nc\u0131 f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(6) Kredili mevduat hesaplar\u0131ndan kulland\u0131r\u0131lan krediler ile kredi kartlar\u0131ndan yap\u0131lan taksitli nakit avans i\u015flemleri i\u00e7in \u00fccret tahsil edilemez. Nakit avans kullan\u0131lmas\u0131 durumunda tahsil edilen \u00fccret, avans tutar\u0131n\u0131n y\u00fczde birini ge\u00e7emez.\u201d<\/p>\n

MADDE 6 \u2013<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 11 inci maddesinin sekizinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(8) Hesap \u00f6zeti g\u00f6nderimi, sanal kart olu\u015fturma ve kullan\u0131m\u0131 ile bir takvim y\u0131l\u0131 i\u00e7erisinde kay\u0131p, \u00e7al\u0131nt\u0131 ve benzeri nedenler dolay\u0131s\u0131yla ger\u00e7ekle\u015ftirilen iki adede kadar kart yenileme kar\u015f\u0131l\u0131\u011f\u0131nda \u00fccret al\u0131namaz. \u0130kiden sonraki kart yenilemelerinde ise finansal t\u00fcketiciden maliyet kadar \u00fccret al\u0131nabilir.\u201d<\/p>\n

MADDE 7 \u2013\u00a0<\/strong>Ayn\u0131 Y\u00f6netmeli\u011fin 12\u00a0nci\u00a0maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(3) EFT i\u015flemlerinden al\u0131nacak \u00fccret i\u015flem tutar\u0131n\u0131n 1.000 TL\u2019nin alt\u0131nda olmas\u0131 h\u00e2linde mobil bankac\u0131l\u0131k uygulamalar\u0131 ve internet bankac\u0131l\u0131\u011f\u0131 arac\u0131l\u0131\u011f\u0131yla yap\u0131lan i\u015flemler ile d\u00fczenli \u00f6demelerde 1 TL\u2019yi, ATM\u2019den yap\u0131lan i\u015flemlerde 2 TL\u2019yi, di\u011fer kanallar ile yap\u0131lan i\u015flemlerde ise 5 TL\u2019yi ge\u00e7emez. \u0130\u015flem tutar\u0131n\u0131n 1.000 TL ile 50.000 TL aras\u0131nda olmas\u0131 h\u00e2linde bu s\u0131n\u0131rlar s\u0131ras\u0131yla 2 TL, 5 TL ve 10 TL olarak, i\u015flem tutar\u0131n\u0131n 50.000 TL ve \u00fczerinde olmas\u0131 durumunda ise 25 TL, 50 TL ve 100 TL olarak uygulan\u0131r. Kurulu\u015f ile finansal t\u00fcketici aras\u0131ndaki s\u00f6zle\u015fmede ge\u00e7 i\u015flemler olarak belirlenen ve mutat saatler d\u0131\u015f\u0131nda yap\u0131lan EFT i\u015flemlerinde an\u0131lan s\u0131n\u0131rlar y\u00fczde elli art\u0131r\u0131ml\u0131 olarak uygulan\u0131r. Havale i\u015flemlerinde ise uygulanacak azami \u00fccretler EFT i\u015flemleri i\u00e7in belirtilen ayr\u0131mlara tabi olarak ilgili \u00fccretlerin yar\u0131s\u0131 oran\u0131nda uygulan\u0131r. Kurulu\u015flarca ger\u00e7ekle\u015ftirilen uluslararas\u0131 para transfer i\u015flemlerinin \u00fccretleri ise finansal t\u00fcketici ile kurulu\u015f aras\u0131nda d\u00fczenlenen s\u00f6zle\u015fme ile belirlenir.\u201d<\/p>\n

MADDE 8 \u2013\u00a0<\/strong>Ayn\u0131 Y\u00f6netmeli\u011fin 14 \u00fcnc\u00fc maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(3) Kiral\u0131k kasa ziyaretine ili\u015fkin herhangi bir \u00fccret al\u0131namaz. Kiral\u0131k kasa depozito bedeli kiralanan kasan\u0131n bir y\u0131ll\u0131k kira bedelini a\u015famaz. Kiral\u0131k kasa hizmetinin sona ermesi h\u00e2linde, kiral\u0131k kasaya ili\u015fkin finansal t\u00fcketici taraf\u0131ndan verilen bir hasar, \u00f6denmeyen kira bedelleri ve kiral\u0131k kasa s\u00f6zle\u015fmesinden do\u011fan di\u011fer bor\u00e7lar dolay\u0131s\u0131yla ortaya \u00e7\u0131kan tutar depozito bedelinden d\u00fc\u015f\u00fclerek kalan tutar derhal iade edilir.\u201d<\/p>\n

MADDE 9 \u2013\u00a0<\/strong>Ayn\u0131 Y\u00f6netmeli\u011fin 15 inci maddesinin birinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(1) Kurulu\u015flar\u0131n birden fazla \u00fcr\u00fcn veya hizmeti bir arada sunmalar\u0131na\u00a0imkan\u00a0veren \u00fcr\u00fcn veya hizmet paketlerinde \u00fcr\u00fcn veya hizmetlerin ayr\u0131\u00a0ayr\u0131\u00a0sunulmas\u0131nda elde edilebilecek \u00fccret toplam\u0131n\u0131 a\u015fmayacak \u015fekilde \u00fccret tahsil edilebilir. Y\u00f6netmelik kapsam\u0131nda s\u0131n\u0131rlama getirilmi\u015f \u00fcr\u00fcn veya hizmetler herhangi bir paket i\u00e7eri\u011finde yer alamaz. Ayr\u0131ca, kurulu\u015flar \u00e7e\u015fitli \u00fcr\u00fcn veya hizmetlerini finansal t\u00fcketici yarar\u0131na \u00f6zellikler bar\u0131nd\u0131racak \u015fekilde kampanya d\u00fczenleyebilirler. Bu kampanyalar kapsam\u0131nda finansal t\u00fcketicinin talebine sunulan \u00fcr\u00fcn veya hizmetlerden \u00fccret tahsil edilebilir. Bunlar\u0131n d\u0131\u015f\u0131nda kurulu\u015flar finansal t\u00fcketicinin talebi ve bilgilendirilmesi suretiyle sunduklar\u0131 \u00f6zellikli \u00fcr\u00fcn veya hizmetlerden de finansal t\u00fcketici ile mutab\u0131k kalarak \u00fccret tahsil edebilirler.\u201d<\/p>\n

MADDE 10 \u2013\u00a0<\/strong>Ayn\u0131 Y\u00f6netmeli\u011fin Ek-1 \u00dcr\u00fcn veya Hizmet S\u0131n\u0131fland\u0131rmalar\u0131 ekinin \u201c3.3. Swift \u00dccreti\u201d ve \u201c5.3. Fatura \u00d6deme \u00dccreti\u201d sat\u0131rlar\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015f, \u201c4.3. Kart Yenileme \u00dccreti\u201d, \u201c5.7. Kamu Kurum ve Kurulu\u015flar\u0131na Yap\u0131lan \u00d6demeler\u201d, \u201c5.8. \u00dc\u00e7\u00fcnc\u00fc Ki\u015filere Yap\u0131lan \u00d6demeler\u201d sat\u0131rlar\u0131 y\u00fcr\u00fcrl\u00fckten kald\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p>\n

\u201c3.3. Uluslararas\u0131 Fon Transferi \u00dccreti\u201d<\/p>\n

\u201c5.3. Arac\u0131l\u0131k Hizmetleri \u00dccreti\u201d<\/p>\n

GE\u00c7\u0130C\u0130 MADDE 1 \u2013\u00a0<\/strong>Bu Y\u00f6netmelikle yap\u0131lan de\u011fi\u015fiklikler, y\u00fcr\u00fcrl\u00fck tarihinden \u00f6nce kurulmu\u015f s\u00f6zle\u015fmelere, de\u011fi\u015fikliklerin y\u00fcr\u00fcrl\u00fck tarihinden sonra ger\u00e7ekle\u015ftirilecek i\u015flemler bak\u0131m\u0131ndan uygulan\u0131r.<\/p>\n

MADDE 11 \u2013<\/strong>\u00a0Bu Y\u00f6netmelik\u00a01\/3\/2020\u00a0tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

MADDE 12 \u2013\u00a0<\/strong>Bu Y\u00f6netmelik h\u00fck\u00fcmlerini Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n

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Y\u00f6netmeli\u011fin Yay\u0131mland\u0131\u011f\u0131 Resm\u00ee Gazete\u2019nin<\/strong><\/p>\n<\/td>\n<\/tr>\n

Tarihi<\/strong><\/td>\n\n

Say\u0131s\u0131<\/strong><\/p>\n<\/td>\n<\/tr>\n

3\/10\/2014<\/td>\n29138<\/td>\n<\/tr>\n
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Y\u00f6netmelikte De\u011fi\u015fiklik Yapan Y\u00f6netmeliklerin Yay\u0131mland\u0131\u011f\u0131 Resm\u00ee Gazete\u2019nin<\/strong><\/p>\n<\/td>\n<\/tr>\n

Tarihi<\/strong><\/td>\n\n

Say\u0131s\u0131<\/strong><\/p>\n<\/td>\n<\/tr>\n

1-<\/td>\n23\/12\/2017<\/td>\n30279<\/td>\n<\/tr>\n
2-<\/td>\n24\/10\/2018<\/td>\n30575<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Finansal T\u00fcketicilerden Al\u0131nacak \u00dccretler Us\u00fbl ve Esaslar 10 \u015eubat 2020 Tarihli Resmi Gazete Say\u0131: 31035 Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumundan:…  <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-14153","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/14153","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/comments?post=14153"}],"version-history":[{"count":1,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/14153\/revisions"}],"predecessor-version":[{"id":14154,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/14153\/revisions\/14154"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=14153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=14153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=14153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}