07.09.2025 21:59
The Ministry of Treasury and Finance is entering a new era in the fight against illegal financial transactions. Starting from January 1, 2026, there will be a requirement to provide explanations for money transfers of 200,000 TL and above. With this regulation, which covers both digital banking and ATM transactions, the aim is to keep money laundering and illegal gambling revenues out of the system.
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The Ministry of Treasury and Finance is expanding its efforts to prevent the influx of money from illegal sources into the financial system. In this context, the Financial Crimes Investigation Board (MASAK) is preparing to implement a new regulation that tightens oversight on money transfers.
WILL COME INTO EFFECT ON JANUARY 1, 2026
The new regulation will be effective from the beginning of 2026. Accordingly, money transfer transactions conducted through banks will now be monitored more carefully. Especially for transfers of 200,000 TL and above, users will be required to provide a justification for the transaction.
JUSTIFICATION REQUIRED FOR TRANSFERS OVER 200,000 TL
According to the new application, when the total amount sent to the same person through digital channels, i.e., mobile banking and internet banking, exceeds 200,000 TL within a single day, the sender will be required to explain the reason for the transaction. This explanation must consist of a minimum of 20 characters.
ATMs WILL ALSO BE VALID
Not only digital banking but also physical channels will be affected by this regulation. Banks will adapt the same rules to ATM transactions. Users will have to manually enter transaction details through a system referred to as 'smart keyboard' for high-value transfers conducted via ATMs.
THE AIM IS TO SECURE THE FINANCIAL SYSTEM
The main purpose of these measures is to make it more difficult for revenues obtained from crimes such as illegal gambling, fraud, and money laundering to be included in the financial system. The requirement for justification will play a critical role in detecting risky transactions by ensuring that money movements are monitored more transparently.
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