19.12.2025 11:00
Private banks are preparing for a significant change in ATM usage as they enter 2026. Different withdrawal limits will be applied for "in-branch" and "out-of-branch" ATMs. It is expected that the daily commission-free withdrawal amount at ATMs adjacent to branches will exceed 50,000 Turkish lira.
Starting from the new year, private banks are making comprehensive adjustments to ATM cash withdrawal limits. With the new application, a clear distinction will be made between ATMs located adjacent to bank branches and off-branch ATMs in metro stations, shopping malls, and on the streets. In line with this distinction, daily commission-free cash withdrawal limits will be redefined.
Currently, many banks limit commission-free cash withdrawal transactions to a range of 10,000 to 15,000 lira daily, while with the new regulation, this amount will be significantly increased, especially at in-branch ATMs.
LIMITS EXCEEDING 50,000 LIRA AT IN-BRANCH ATMs
As of the new year, it is expected that the daily commission-free cash withdrawal limit at ATMs located inside or adjacent to bank branches will exceed 50,000 lira for private banks. This step will provide significant convenience for customers with high cash needs.
Banks cite the ease of managing banknote loading, tracking, and security processes as the main reason for this preference regarding in-branch ATMs.
LIMITED INCREASE AT OFF-BRANCH ATMs
According to NTV's report; an increase in limits is also planned for off-branch ATMs located in metro stations, shopping malls, and on the streets. However, it is stated that the increases at these points will be limited, and the daily commission-free withdrawal amount will not exceed 50,000 lira.
This distinction aims to reduce security risks and keep operational costs related to ATMs under control.
SECURITY AND COST IMPACT
The ability of bank personnel to intervene immediately at in-branch ATMs makes these points safer for high-value transactions. At the same time, more controlled banknote loading facilitates cash management.
The Central Bank's cautious approach to new banknote printing and the increasing cash demand with existing banknotes, especially with the declining purchasing power of large denominations, has made it necessary to refill ATMs more frequently. This situation emerges as a significant factor increasing banks' operational expenses.
EXPECTED TO BECOME WIDESPREAD IN THE SECTOR
Some private banks have already started to implement this system by significantly increasing daily commission-free cash withdrawal limits at in-branch ATMs in recent months. Industry sources indicate that this approach is expected to spread across the banking sector by 2026.