N Kolay – Digital Banking

Easy and Digital Banking: N Kolay!

With N Kolay, you can earn daily returns at high interest rates. When you need cash, you can take advantage of interest-free Overdraft for up to 30 days.
Not a N Kolay customer? Download N Kolay Mobile, complete a video call, and become an N Kolay customer instantly—start benefiting right away!

Fixed interest on N Kolay bonds for the entire term!

With N Kolay, you can always grow your savings at high interest rates and earn daily returns unconditionally. Through the mobile banking app, access N Kolay bonds and use as much of your money as you need before maturity—without losing any interest. And even if market rates fall, your bond’s rate remains unchanged throughout its term.
You can also plan your investments in advance with the N Kolay bond calculator. If you wish, N Kolay Robo Advisor can assist you during your investment process! This way, you can manage your savings more easily and efficiently.

Free ATM & Money Transfers

With N Kolay, you can make EFT, FAST, and internal transfer 24/7 at no cost!
You can withdraw and deposit cash for free at any ATM throughout Türkiye.

Tailored Cash & Instant Loans

Overdraft is an emergency cash advance offered interest-free for the first 30 days!
N Kolay customers can use Overdraft twice in total, while N Kolay Extra customers enjoy the benefit of two Overdraft of ₺10,000 per month!
For larger needs, you can easily apply for a consumer loan of up to ₺500,000 through the app.
When your account runs out of money, you can cover your cash needs with Overdraft.

Forex, Gold & More!

With N Kolay, you can access foreign exchange, gold, and other financial instruments anytime and conduct transactions at advantageous rates. Here are the advantages of N Kolay Mobile during your investment process:
FX Trading: Buy and sell USD, EUR, gold, silver, and other assets at competitive bank rates 24/5.
Live Market Monitoring & Order Placement: Track forex and commodity prices in real time and set automatic orders at your desired rate.
Competitive Interest Rates: Benefit from repo rates updated according to market conditions, helping your savings grow. You can plan ahead with the repo calculator.

Free & Easy Bill Payments

You can pay your bills 24/7 for free via N Kolay Mobile!

Track all your bill transactions on a single screen and set up automatic payment instructions.

Crypto & Gaming Payments

You can make free TL transfers to crypto platforms 24/7 through N Kolay Mobile.
You can transfer to platforms like Paribu, Binance TR, and Bitexen via the “Payments” menu.
You can make free payments to gaming platforms like Bilyoner, Misli.com, and Nesine.com 24/7.

N Kolay Debit & Virtual Cards

With your N Kolay Debit and Virtual Preapaid Card, you can make all your purchases easily and complete your transactions securely. Plus, enjoy a range of benefits by taking advantage of exclusive campaigns!

Istanbulkart Services

With N Kolay, you can top up and check your Istanbulkart balance