N Kolay

Experience fast and easy mobile banking with N Kolay, the digital banking app that puts financial control in your hands. Whether you're building savings, managing daily expenses, or exploring investment opportunities, N Kolay delivers competitive returns, zero-fee transactions, and instant access to credit when you need it most.

Grow Your Savings with High-Interest Returns Earn daily returns on fixed-rate bonds that remain locked in throughout your investment term—even if market rates fall. Your interest is guaranteed unconditional, giving you peace of mind as your money grows. Use the integrated bond calculator to compare options and find the right fit for your goals. The N Kolay Robo Advisor goes further, analyzing your risk profile and return expectations to deliver personalized investment suggestions tailored to your financial situation.

Access Cash Instantly, Interest-Free for 30 Days When unexpected expenses arise, overdraft provides emergency funding with zero interest for your first 30 days. Approval and fund transfer happen instantly through the app. N Kolay Extra members enjoy two ₺10,000 overdraft advances per month, while standard customers can use overdraft twice. For larger needs, apply for consumer loans up to ₺500,000 without leaving the app.

Bank Fee-Free, 24/7 Make EFT, FAST, and internal transfers around the clock at no cost. Withdraw and deposit cash free at any ATM across Turkey. Pay bills instantly with no fees and set up automatic payment instructions for complete convenience. Top up your Istanbulkart balance anytime, 24/7, at no charge.

Diversify Your Wealth with Forex, Gold & Trading Trade forex and commodities with tight spreads available 24/5. Monitor live market rates in real time and place buy and sell orders at your chosen levels. Benefit from competitive repo rates updated to current market conditions and use the repo calculator to plan strategically.

Crypto & Gaming Transfers Made Easy Move money to crypto platforms like Binance TR, Paribu, and Bitexen instantly and free. Fund your gaming accounts on Bilyoner, Misli.com, and Nesine.com with zero-fee transfers, any time of day.

Secure Payments with Virtual & Debit Cards Your N Kolay Debit and Virtual Cards enable safe, easy purchases everywhere. Unlock exclusive campaign benefits and rewards with every transaction.

Become a Customer in Minutes Not yet a N Kolay customer? Download the app, complete a video call, and gain instant access to all banking features. Plus, earn ₺200 for each friend you invite—up to ₺2,000 total. Complete tasks to unlock special N Kolay Extra offers.

Start banking smarter today with N Kolay Mobile and experience digital banking designed for your freedom.