Welcome to TakasNet Clearing and Settlement System operated by Garanti Ödeme Sistemleri A.Ş.


TakasNet Clearing and Settlement System is a system handling and managing the flow of authorization and clearing for deals effected in merchants linked to the participant banks by using cards issued by the participant banks operating in Turkey.

TakasNet Clearing and Settlement System is being operated by Garanti Ödeme Sistemleri A.Ş. under supervision and control of the Central Bank of the Republic of Turkey within the frame of the Law on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions no. 6493.

Its operating license has become effective upon promulgation in the Official Gazette edition 29391 on 19.06.2015.

Transactions and services covered by the fields of activity of TakasNet are as listed below:

Core Transactions

  • * Sales & Refunds
  • * Chargeback
  • * Clearing & Settlement

Optional Transactions

  • * Credit Card Payments
  • * PIN Management
  • * Joint Card Management


For being eligible to participate in the system, the following administrative and technical requirements are required to be fulfilled in the order shown hereinbelow, and the security deposit cited herein is required to be deposited:

Administrative Conditions

A Takasnet System Participation Agreement is needed to be signed by and between Gösaş on one side and System Participant on the other side.

Technical Conditions

Once the technical conditions envisaged for use of TakasNet system are satisfied, the certification process is initiated. Upon successful completion of this process, the Participant is deemed to have satisfied the technical conditions.


If it is deemed necessary, it is necessary to deposit a collateral calculated according to the determined rules.

Initiation of Transmission of Deals to TakasNet System

Having satisfied all administrative, technical and security deposit conditions, the Participant should file a written application to Gösaş informing the latter of the date of its activation no later than one week prior to its scheduled starting date of use of TakasNet System.

Thereupon, Gösaş circulates to other Participants the information received at the time of application, together with the date of initiation of transmission of deals by that specific Participant to TakasNet System, and identifies that Participant in its System.

As of the date of activation stated in the circular sent by Gösaş to other Participants, that specific TakasNet Member is accepted as a Participant to the System.

Please click to have access to detailed system participation rules.


Transmission / Receipt of Clearing Files

Files prepared and transmitted by Participants themselves in a secure environment are processed by TakasNet. After the files are processed, the files showing whether the relevant Participant owes / is owed any money by application of master netting arrangement are then sent to each Participant again by TakasNet via secure environment.


As a result of netting arrangement, the relevant money are collected from the debtor Participants and paid to the creditor Participants by TakasNet. Settlement processes are carried out on daily basis.


General information about the banks involved in this platform is given in the following sections in the

order of participation in the platform:

Founded in Ankara in 1946, Garanti Bank, with its consolidated ../assets of 339.7 billion Turkish Liras as of 30 September 2017, is the largest second private bank of Turkey. Carrying out its activities in all branches of the banking industry, including, but not limited to, corporate, commercial, SME, payment systems, private, retail and investment banking, Garanti is an integrated financial services group with its leading financial subsidiaries active in life insurance and individual pension, financial leasing, factoring, investment and portfolio management areas, besides its international subsidiaries in the Netherlands and Romania.

Proceeding on its way with the aim of adding value to all of its stakeholders, thereby paving the way for a sustainable growth, Garanti has based its overall strategy on the principle of continuously improving the customer experience by at all times providing its customers with products and services specifically designed to meet their needs and demands with a “transparent”, “comprehensible” and “responsible” approach towards them. Among the factors making Garanti the steady leader of the Turkish banking industry, we may mention about its competent and dynamic human resources; its unparalleled technological infrastructure; its customer-focused service approach; and its innovative products and services offered without compromising quality.

Banco Bilbao Vizcaya Argentaria S.A. (BBVA), with a capital share of 49.85%, is the main shareholder of Garanti patterning itself on the best practices in corporate governance field.

As always, Garanti Bank is continuing to create a difference and to facilitate the lives of its customers with its pioneer technology integrated to its dynamic operation model and its innovative products and services.

Based on its indefeasible values, Sustainability is defined by Garanti as its commitment to create a strong and successful business model by sharing its long-term values and principles with its customers, employees, shareholders and all masses in its communities, in addition to minimizing the probable negative impacts of its business operations on environment and society. Sustainable banking approach of Garanti is further reinforced by its social investment programs in different areas and fields from sports to education, from arts to nature and to information of business world.

DenizBank has first been founded as a state-owned bank in 1938 with the mission of financing the developing maritime sector in Turkey. After being purchased by Zorlu Holding from the Privatization Administration as a banking license at the beginning of 1997, DenizBank has been acquired in October 2006 by Dexia, one of the leading financial groups of Europe. After working with Dexia as its main shareholder for a period of 6 years, DenizBank is at present continuing its activities under the roof of Sberbank, the largest bank of Russia, since 28 September 2012. As of 1 July 2013, it has acquired the retail banking operations of Citi in Turkey, together with its more than 600 thousand customers and around 1,400 employees. Following privatization of DenizBank in 1997, a “come back to earth” program covering new personnel recruitment and new branch opening initiatives within the frame of its new corporate identity has been kicked off. All these initiatives have been conducted in compliance with a five-year strategic plan, and all goals envisaged in the plan have already been achieved. This growth process has further been supported by acquisition of some of the bank branches transferred to SDIF (Saving Deposits Insurance Fund), and by inclusion of Tarişbank in the group at the end of 2002. During this process, for the sake of completion of its existing range of banking products and services, DenizBank has acquired banks in Austria and Russia, in addition to its factoring, financial leasing, investment and portfolio management companies. With the support taken from its strong capital base and financial power, and also under the effect of rapid developments in the banking industry, DenizBank has rather developed its existing position in the market in a very short period of time. As a result, in 2003, DenizBank Financial Services Group has been established so as to create a financial supermarket offering various different financial services under the same roof.

Included in DenizBank Financial Services Group is, besides DenizBank, seven local and three international financial subsidiaries, and three non-financial subsidiaries, and a branch office in Bahrain. DenizYatırım, Ekspres Menkul, Deniz GYO, DenizPortföy Yönetimi, DenizLeasing, DenizFaktoring, Destek Varlık Yönetimi, Intertech, DenizKültür, Deniz Kartlı Ödeme Sistemleri, Açık Deniz Radyo-TV and Bantaş are local subsidiaries of the group, while Eurodeniz, DenizBank AG and DenizBank Moscow are its international subsidiaries.

Basic segments focused by the Group are retail customers, small and medium-scale enterprises, exporters, public and project financing and commercial and corporate customers. Agriculture, energy, tourism, education, healthcare, infrastructure and maritime are markets given priority by the Group in its business operations. The Group has further penetrated into EU member states through its subsidiary DenizBank AG headquartered in Vienna. CJSC DenizBank Moscow is offering miscellaneous services to and meeting various different financial requirements of its existing customers trading with Russia.

The Group has centralized its operations, financial control and accounting functions and converted the DenizBank branches into marketing centers, thereby not only keeping the number of its employees at an optimum level, but also further enhancing its operational efficiency.

The Group has a service network reaching to all segments of society in Turkey. Beside a total of 713 DenizBank branches within Turkey and in Bahrain, DenizBank AG also holds a total of 40 branches. Furthermore, thanks to its Alternative Distribution Channels, DenizBank enables both retail and corporate customers of it to effect their financial transactions online from all corners of the world.

DenizBank has participated in TakasNet system in 2002.

A respectful and privileged financial institution of the Turkish banking industry, TEB has started its banking operations in 1927. With its network of branches, and variety of products and services expanded since its year of foundation, TEB is continuing its business operations in various different fields of financial industry such as investment, leasing, factoring, insurance and portfolio management. As for the ratings granted by rating agencies of banks in our country, TEB is one of the banks holding the highest ratings in its group.

One of the pioneers of professional management, transparency and ethical values as its working principle of top priority in Turkey, TEB is carrying out its activities in full compliance with the “Corporate Governance Principles” published by the Capital Markets Board.

After going public in February 2000, TEB Mali Yatırımlar A.Ş., currently holding 84.25 of capital shares of TEB, has, on 10 February 2005, entered into a partnership agreement with BNP Paribas, being the 6th largest bank of the world and the largest one in Euro zone, with its operations in a total of 87 countries. This partnership has combined the powers and experiences of TEB, as one of the respectful and strong brands of the Turkish financial industry, with those of BNP Paribas, standing as an international trademark. Through this partnership agreement, BNP Paribas has acquired shares in TEB Investment, TEB Leasing, TEB Factoring, TEB Insurance, TEB Portfolio Management, as well as TEB NV, operating in Amsterdam as a Dutch bank.

BNP Paribas is the number-one bank of Euro zone in terms of profit and total market value. Having a leading international banking network, BNP Paribas plays a very important role in Corporate and Investment Banking, International Retail Banking and Asset Management fields. As a result, out of the largest 100 groups of the world, 80 are customers of BNP Paribas.

The cooperation between TEB and BNP Paribas aims not only to create a far more powerful Turkish bank, but also to reach larger masses with the international know-how, services and products of BNP Paribas, and to expand the reach of TEB brand over the international platform.

As an important indicator of collaboration with BNP Paribas, and of opening up of TEB to the world, TEB has also been included in the network of Trade Centers of BNP Paribas located in around 80 points in 48 countries. Trade Centers opened in Istanbul, İzmir and Adana in Turkey are offering consulting and banking support services to their customers in foreign trade field, thus enabling them to open up to the world.

In addition, through this partnership, TEB has started to establish Turkish Desks in countries where the Turkish entrepreneurs are operating intensively, and BNP Paribas has a strong presence.

Relying upon its partnership with BNP Paribas, TEB is carrying its competence in corporate, commercial and private banking fields also to retail banking, enterprise banking and SME banking fields.

TEB has participated in TakasNet system in 2006.

As a part of the efforts of the Young Republic to grow up in industry and commerce, Şekerbank has been founded in Eskişehir with the name of Beet Cooperatives Bank in 1953 with the aim of meeting the financial needs of sugar beet producers. Starting off with a capital base comprised of small savings of beet producers in the Beet Cooperatives, the bank has been renamed as Şekerbank when it moved to Ankara in 1956, and since 1993, it has turned out to a dynamic structure and taken great steps forward with its private bank status. In 1997, Şekerbank has gone public, and in 2004, it has moved its headquarters to Istanbul.

Shouldering the responsibility of around one and a half million entrepreneurs of Anatolia founding the bank, Şekerbank has carried its strong and wide multi-partnered capital base through a stabilized, consistent and decisive growth pace since its foundation. Quoted in ISE (Istanbul Stock Exchange) since its initial public offering in 1997, Şekerbank currently has the following shareholdings: Şekerbank T.A.Ş. Personnel Collective Social Security and Solidarity Fund Foundation 33.98%, BTA Securities JSC 33.98%, Beet Cooperatives 0.08% and Free Float 31.98%

Şekerbank has 250 branches and 10 regional directorates (3 in Istanbul and 7 in Anatolia) throughout Turkey, as well as 1 overseas representation office. With 62 percent of its branches scattered over Anatolia, Şekerbank has such subsidiaries as Şeker Investment, Şeker Factoring, Şeker Leasing, Şeker Informatics, Şekerbank Kıbrıs Ltd. and Desmer A.Ş.

Şekerbank has participated in TakasNet system in 2007.

On 19 June 2007, ING Group and Oyak Group have come to mutual agreement on sale of 100% of capital shares of Oyak Bank to ING Group, and following receipt of approval from BRSA (Banking Regulation and Supervision Authority) on 14 December 2007, the sales process has been completed on 24 December 2007, and thus, Oyak Bank has been acquired by ING Group. Starting from 7 July 2008, ING Bank is offering its world standard financial services to its retail and corporate customers in Turkey.

The Netherlands-based ING Group, as one of the largest international financial institutions of the world, is offering very comprehensive products and services to its retail and corporate customers in banking, investment, life insurance and pension services fields since 150 years. With its more than 93 thousand employees, ING has in its portfolio more than 66 million retail and corporate customers in more than 40 countries in Europe, North and Latin Americas, Asia and Australia. Beside its experience, expertise and outstanding service approach, the Group gets its strength also from its global scale meeting the needs and demands of its wide customer base composed of retail customers, SMEs, large scale corporations and governments.

Acting with an innovative, easily accessible, transparent and facilitative banking approach in its operations in Turkey, ING Bank gives priority to being near its customers with right solutions at the right time. As a member of a global scale financial group, and in reliance upon its past experience in offering its services to broad customer masses in very different geographies, and bringing the examples of best practices to our country, ING Bank Turkey has also adopted the principle of expanding its international competences and know-how with its experience to be gained in the Turkish market where its slogan is “Your Money Rises in Value Just Here”.

In addition to its range of products, and as a requirement of its commitment to become the leading savings bank in Turkey, ING Bank is at present carrying out a research on saving habits and conducting a social responsibility project on financial literacy training in Turkey. In October 2011, with a view to drawing attention to the low saving rates as one of the most important problems of the Turkish economy and to contributing to the filling of the deficiency of statistical data thereon, the Bank has initiated its “Research on Saving Trends in Turkey” for the first time in Turkey. This research is by nature a real social investment destined for understanding the causes and incentives for savings and for finding methods for channeling these investments to savings.

ING Bank has participated in TakasNet system in 2008.

Türkiye Finans Katılım Bankası A.Ş. is one of the deep-rooted participation banks of Turkey continuing its operations with its strong capital base and vision since 2005, and its main shareholder is The National Commercial Bank (NCB) holding 67.03% of its capital.

Türkiye Finans has been founded in 2005 by combination of forces of Anadolu Finans, which has originally been established in 1991 as the first private financial institution with 100% local capital, and of Family Finans, which has offered participation banking services under the name of Faisal Finans Kurumu between 1985 and 2001.

With its new and powerful corporate identity created upon merger, the Bank has brought a breath of fresh air to the participation banking with its ever-expanding target mass. In 2008, upon acquisition of its majority shares by The National Commercial Bank (NCB), Türkiye Finans Katılım Bankası has entered into a new era of change and development thereafter. With its 67.03 percent majority shareholder The National Commercial Bank (NCB), being the first and largest bank of Saudi Arabia with its investments in 5 countries, Türkiye Finans Katılım Bankası is one of the pioneer players of the participation banking segment in Turkey.

Türkiye Finans Katılım Bankası is bringing to Turkey the past experiences and know-how taken over from NCB, operating in this segment since 1953, and is aiming to facilitate the banking services for its customers by giving priority to customer satisfaction based on its slogan “Finans of Turkey”.

Having adopted it as a mission to make sure that all of its customers feel themselves safe, Türkiye Finans Katılım Bankası has started in 2013 a new initiative through its Customer Experience and Multi-Channel Strategy Project in order to implement many changes and improvements in its business processes. In this new period, the Bank has entered into a stronger growth course by making best use of its past experiences, as well as its new products and advanced technologies.

Offering its sustainable banking services with great success along the axes of “good banking” and “good corporate citizenship”, Türkiye Finans Katılım Bankası, with its strong service platform comprised of effective alternative distribution channels, is offering innovative products, services and solutions of a high added value to a wide customer mass and base in its commercial / corporate banking, entrepreneur banking and retail banking segments.

Türkiye Finans Katılım Bankası has participated in TakasNet system in 2009.

ABank, a subsidiary of Anadolu Group, aims to offer the most appropriate solutions to its customers with its products in Retail and Corporate / Commercial Banking fields. Specialized on giving support with all kinds of banking services to SMEs, believed to be the locomotive of the Turkish economy, ABank is continuing to further expand its range of products and services and to increase its market share in the banking industry.

Aiming both to offer better services to its existing retail customers and to further increase the rate of its retail customers in its total customer base, ABank has also started to offer its credit card services to its customers in 2012 in line with its “Happy Banking” slogan.

Alternatif Bank has participated in TakasNet system in 2011.

This Bank was a part of GSD Group under the name of Tekstil Bankası A.Ş. until 21 May 2015. On 29 April 2014, an agreement has been reached for sale to Industrial and Commercial Bank of China Limited (ICBC) of 75.50% capital shares held in the Bank by its majority shareholder GSD Holding A.Ş., and thereafter, this share sale has been approved on 20 March 2015 by China Banking Regulatory Commission (CBRC), the highest banking authority of the People’s Republic of China, and in Turkey, it has been approved by a decision, ref. 14-29/593-259, dated 20 August 2014, of the Competition Authority and a decision, ref. 6262, dated 2 April 2015, of the Banking Regulation and Supervision Authority (BRSA).

Following receipt of all of the required licenses and permissions, on 28 April 2015, the Bank has published a call in the Public Disclosure Platform for an Extraordinary Meeting of the General Assembly of Shareholders to be held on 22 May 2015 for acceptance of resignation of the existing Directors and election of new Directors in relation with the share sale. Thus, 22 May 2015 has been determined as the date of transfer of shares as a requirement of the share purchase agreement, and accordingly, on that date, the share transfer has been completed and registered in the share book.

Upon purchasing shares representing 75.50% of capital of Tekstil Bankası A.Ş. from GSD Holding A.Ş., it has become a legal obligation for ICBC to present a tender offer for purchase of capital shares of other shareholders as well, pursuant to the provisions of article 11 pertaining to mandatory tender offers of the Communiqué On Tender Offers, Serial II, No. 26.1, of the Capital Markets Board. Accordingly, as a result of mandatory tender offers and calls effected by the Bank’s majority shareholder, ICBC, until 14 August 2015, pursuant to the Communiqué On Tender Offers, Serial II, No. 26.1, of the Capital Markets Board, the shareholding rate of ICBC in the Bank has raised from 75.50% to 92.8%.

Save for capital shares of ICBC, other shares are floated and quoted in Borsa Istanbul (BIST).

Thereafter, on 13 November 2015, our Bank’s name is changed to ICBC Turkey Bank Anonim Şirketi. Actively operating in Corporate Banking, Commercial Banking, SME Banking and Retail Banking fields, ICBC Turkey is offering multi-faceted financial services without compromising its quality with a customer-focused approach.

ICBC Turkey Bank A.Ş. has participated in TakasNet system in 2012.

Fibabanka A.Ş., included in Fiba Group organization on 27/12/2010, is offering its services in corporate, commercial, SME, retail, agriculture and private banking fields. By a Shareholders Agreement of 23/10/2015, the first step has been taken for acquisition of Fibabank shares by International Finance Corporation (IFC) and European Bank for Reconstruction and Development (EBRD), and they have become our Bank’s shareholders as a result of the Extraordinary Meeting of the General Assembly of Shareholders, dated 21/12/2015. Currently, each of them holds a capital share of 8.96% in our Bank.

Thereafter, by a Shareholders Agreement of 03/06/2016, the first step has been taken for acquisition of 9.95% of Fibabank shares by TurkFinance B.V., and it has become a shareholder of our Bank as a result of the Extraordinary Meeting of the General Assembly of Shareholders, dated 31/08/2016.

Fibabanka has participated in TakasNet system in 2013.