{"id":3010,"date":"2021-04-05T14:58:10","date_gmt":"2021-04-05T14:58:10","guid":{"rendered":"https:\/\/yurtdisindayiz.com\/?p=3010"},"modified":"2022-07-29T10:22:01","modified_gmt":"2022-07-29T10:22:01","slug":"muhabir-banka-nedir","status":"publish","type":"post","link":"https:\/\/yurtdisindayiz.com\/muhabir-banka-nedir\/","title":{"rendered":"Muhabir Banka Nedir: SWIFT \u0130\u015flemlerinde Neden \u00d6nemlidir?"},"content":{"rendered":"\n

Yurti\u00e7inde ya da yurtd\u0131\u015f\u0131nda d\u00f6viz olarak g\u00f6nderilen t\u00fcm para transferleri SWIFT i\u015flemi olarak adland\u0131r\u0131l\u0131r. D\u00f6viz transferi yaparken de bankalar yurtd\u0131\u015f\u0131ndaki bankalarla birlikte \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u00e7in uluslararas\u0131 para transferi yapan ki\u015filere ek masraflar \u00e7\u0131k\u0131yor. <\/p>\n\n\n\n

\u0130\u015fte bu masraflar\u0131n bazen kestirilemez olmas\u0131n\u0131n \u00f6nemli bir sebebi de muhabir bankalar. Yani sizin SWIFT i\u015fleminize arac\u0131l\u0131k eden g\u00f6nderici veya al\u0131c\u0131 taraf\u0131nda bulunmayan 3.bankalar.<\/p>\n\n\n\n

SWIFT i\u015flemleri s\u0131ras\u0131nda olu\u015fan ek masraflar bankadan bankaya de\u011fi\u015fiklik g\u00f6sterdi\u011fi i\u00e7in \u00e7o\u011funlukla farkl\u0131 \u00fccretlendirmeler ile kar\u015f\u0131la\u015f\u0131lmas\u0131 normal bir durum. <\/p>\n\n\n\n

SWIFT i\u015flem \u00fccretleri<\/a>, genellikle yap\u0131lan i\u015flem hacminin b\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re de\u011fil, i\u015flem say\u0131s\u0131na g\u00f6re belirlenmektedir. <\/p>\n\n\n\n

Bu i\u015flemler s\u0131ras\u0131nda bankan\u0131n kesti\u011fi komisyon d\u0131\u015f\u0131nda birde muhabir bankalar\u0131n kesintileri s\u00f6z konusu. Peki, muhabir banka nedir? Swift i\u015flemi yaparken muhabir bankalar\u0131n hangi i\u015flevi bulunur? Yaz\u0131m\u0131za muhabir bankan\u0131n ne oldu\u011funu a\u00e7\u0131klayarak ba\u015flayal\u0131m.<\/strong><\/p>\n\n\n\n

Muhabir Banka Nedir?<\/strong><\/h2>\n\n\n\n

Muhabir banka, yerel bankalar\u0131n yurtd\u0131\u015f\u0131nda \u015fubesinin bulunmad\u0131\u011f\u0131 \u00fclkelerde kendi ad\u0131na i\u015flem yapmas\u0131 i\u00e7in yetkilendirmi\u015f oldu\u011fu bankad\u0131r. Bu kavram ilk olarak Amerika\u2019da ortaya \u00e7\u0131km\u0131\u015f ve zamanla T\u00fcrkiye\u2019deki bankalar\u0131nda ba\u015fvurdu\u011fu bir y\u00f6ntem haline gelmi\u015ftir. <\/p>\n\n\n\n

Bankalar, yurtd\u0131\u015f\u0131nda farkl\u0131 muhabir bankalar ile anla\u015fma yaparak her b\u00f6lgeye \u015fube a\u00e7mak zorunda kalmazlar. D\u00f6viz para birimi \u00fczerinden bir para transferi yapt\u0131\u011f\u0131n\u0131zda para gidece\u011fi yere muhabir banka \u00fczerinden gider. Bir bankan\u0131n yurtd\u0131\u015f\u0131nda kendi \u015fubesi bulunsa bile ba\u015fka bir muhabir banka ile anla\u015fmas\u0131 olabilir.<\/p>\n\n\n\n

Muhabir banka kavram\u0131n\u0131 bir \u00f6rnekle anlatal\u0131m. \u0130\u015f Bankas\u0131\u2019n\u0131n Amerika\u2019da bulunan muhabir bankas\u0131 Wells Fargo Bank\u2019tir. T\u00fcrkiye\u2019de \u0130\u015f Bankas\u0131 hesab\u0131ndan Amerika\u2019ya para transferi yapmak isterseniz, bu para Amerika\u2019daki g\u00f6nderdi\u011finiz hesaba Wells Fargo Bank arac\u0131l\u0131\u011f\u0131yla g\u00f6nderilir. \u0130\u015f Bankas\u0131 ve muhabir bankas\u0131 daha sonra bu i\u015flemler i\u00e7in hesapla\u015f\u0131rlar. <\/p>\n\n\n\n

Yani bu i\u015flemde siz \u0130\u015f Bankas\u0131 \u00fczerinden Amerika’ya para g\u00f6ndermek istedi\u011finizde Wells Fargo Bank da bu i\u015flemden komisyon alacakt\u0131r. <\/p>\n\n\n\n

Bankalar\u0131n ba\u015fka bir \u00fclkedeki muhabir bankalar\u0131 birden fazla olabilir. Bankalar\u0131n yurtd\u0131\u015f\u0131ndaki muhabir banka listelerine bankalar\u0131n kendi internet sayfalar\u0131 \u00fczerinden ula\u015fabilirsiniz. <\/p>\n\n\n\n

Nostro Hesap Nedir?<\/strong><\/h2>\n\n\n\n

Nostro hesap; bankalar\u0131n yurtd\u0131\u015f\u0131ndaki bankalarda a\u00e7t\u0131klar\u0131 mevduat hesaplara denmektedir. Muhabir banka hesab\u0131 olarak da adland\u0131rabilece\u011fimiz nostro hesaplar, dola\u015f\u0131m\u0131 y\u00fcksek de\u011fi\u015ftirilebilen para birimleri i\u00e7in a\u00e7\u0131l\u0131r. <\/p>\n\n\n\n

\u00d6rnek verirsek; \u0130\u015f Bankas\u0131 nostro hesaplar\u0131; Euro, Dolar, Kanada Dolar\u0131, \u0130sve\u00e7 Kronu, \u0130svi\u00e7re Frang\u0131, Japon Yeni, Rus Rublesi, \u0130ngiliz Sterlini, Norve\u00e7 Kronu, Kuveyt Dinar\u0131 ve Danimarka Kronudur.<\/p>\n\n\n\n

Muhabir Banka Masraf\u0131 Nedir?<\/strong><\/h3>\n\n\n\n

\u0130ster yurti\u00e7ine isterse yurtd\u0131\u015f\u0131na bir para g\u00f6nderim i\u015flemi yapt\u0131\u011f\u0131n\u0131z zaman bankalar transfer \u00fccretleri keserler. Muhabir bankalar ise yerel bankalar\u0131n yurtd\u0131\u015f\u0131ndaki i\u015flemlerine arac\u0131l\u0131k ederler ve bu i\u015flemler kar\u015f\u0131l\u0131\u011f\u0131nda da bir masraf ortaya \u00e7\u0131kar. Ana banka da bu masraf\u0131 m\u00fc\u015fteriye yans\u0131t\u0131r.<\/p>\n\n\n\n

Yurtd\u0131\u015f\u0131na muhabir banka arac\u0131l\u0131\u011f\u0131yla bir para g\u00f6nderimi yapt\u0131\u011f\u0131n\u0131zda da 3 farkl\u0131 masraf kesintisi ortaya \u00e7\u0131kar. \u0130lk olarak banka sizden yapaca\u011f\u0131n\u0131z SWIFT i\u015flemi<\/a> i\u00e7in bir kesinti yapar. <\/p>\n\n\n\n

Daha sonra para g\u00f6nderdi\u011finiz hesab\u0131n ba\u011fl\u0131 oldu\u011fu banka kendi masraf\u0131n\u0131 keser ve en son olarak da muhabir banka kendi kesintisini yapar. K\u0131sacas\u0131 muhabir bankalar\u0131n arac\u0131l\u0131k yapt\u0131\u011f\u0131 i\u015flemler kar\u015f\u0131s\u0131nda talep etti\u011fi \u00fccret muhabir banka masraf\u0131 olarak adland\u0131r\u0131l\u0131r.<\/p>\n\n\n\n

Yurtd\u0131\u015f\u0131na para transferi yap\u0131yorsan\u0131z \u00f6zellikle de s\u0131k s\u0131k SWIFT i\u015flemi yap\u0131yorsan\u0131z kar\u015f\u0131la\u015faca\u011f\u0131n\u0131z sorunlardan birisi de bankalar\u0131n (kulland\u0131\u011f\u0131n\u0131z banka ya da muhabir banka) uygulad\u0131\u011f\u0131 kesintilerdir. D\u00f6viz cinsinden para g\u00f6nderimi yap\u0131yorsan\u0131z bankalar\u0131n m\u00fc\u015fterilerine yans\u0131taca\u011f\u0131 i\u015flem \u00fccretleri g\u00fcnl\u00fck kur \u00fczerinden yap\u0131laca\u011f\u0131ndan ne kadar bir ek kesinti oran\u0131 ile kar\u015f\u0131la\u015faca\u011f\u0131 net olmayabiliyor.<\/p>\n\n\n\n

D\u00fczenli olarak yurtd\u0131\u015f\u0131na para g\u00f6nderme<\/a> i\u015flemleri yap\u0131yorsan\u0131z bankalar\u0131n y\u00fcksek komisyonlar\u0131n\u0131n bir \u00e7aresi var. Wise (eski ad\u0131yla Transferwise)<\/strong> ile yurtd\u0131\u015f\u0131 para transferlerinizi online olarak hem d\u00fc\u015f\u00fck komisyonlarla hem de k\u0131sa bir s\u00fcrede yapabilirsiniz. K\u0131saca Wise ile nas\u0131l para transferi yapabilece\u011finizi ve neden muhabir banka masraf\u0131 olmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131klayal\u0131m.<\/p>\n\n\n\n

\n
WISE’I KE\u015eFET<\/a><\/div>\n<\/div>\n\n\n\n

Muhabir Banka Olmadan Wise ile Para Transferi<\/strong><\/h2>\n\n\n\n

Wise’\u0131 kullanarak para transferinizi \u00e7ok ekonomik ve h\u0131zl\u0131 ger\u00e7ekle\u015ftirebilirsiniz. Bunu yapmak i\u00e7in tek yapman\u0131z gereken Wise’\u0131n sitesinden \u00fccretsiz bir \u00fcyelik olu\u015fturmak.<\/p>\n\n\n\n

\u00dcyeli\u011finizi olu\u015fturduktan sonra para transferini yapmak istedi\u011finiz para birimini se\u00e7erek(para g\u00f6ndermek istedi\u011finiz \u00fclkenin yerel para birimine g\u00f6ndermeye dikkat edin) gereken bilgileri girmeniz para transferi yapmak i\u00e7in yeterli. <\/p>\n\n\n\n

Wise ile para g\u00f6ndermek i\u00e7in bilmeniz gereken sadece al\u0131c\u0131n\u0131n ad\u0131 ve soyad\u0131 bilgileri ile IBAN numaras\u0131 ya da Amerika gibi IBAN kullanmayan \u00fclkeler i\u00e7in hesap numaras\u0131. B\u00fct\u00fcn bilgileri do\u011fru \u015fekilde girdikten sonra banka transferi yoluyla paray\u0131 Wise’\u0131n g\u00f6sterdi\u011fi hesaba size iletilen referans koduyla birlikte g\u00f6ndermeniz gerekiyor.<\/p>\n\n\n\n

Wise ile para transferi yaparken herhangi bir bankan\u0131n SWIFT koduna ihtiya\u00e7 duymazs\u0131n\u0131z. Al\u0131c\u0131n\u0131n IBAN numaras\u0131 ile para transfer i\u015fleminizi \u00e7ok kolay bir \u015fekilde yapabilirsiniz.<\/p>\n\n\n\n

Wise’\u0131n kullan\u0131c\u0131lar\u0131na sundu\u011fu di\u011fer bir \u00f6zelli\u011fi de tamamen \u015feffaf komisyon oranlar\u0131d\u0131r. Bankalar\u0131n SWIFT i\u015flemleri i\u00e7in ald\u0131\u011f\u0131 komisyonlarla ya da muhabir bankalar\u0131n yapt\u0131\u011f\u0131 kesintilerle kar\u015f\u0131la\u015fmazs\u0131n\u0131z. <\/p>\n\n\n\n

Peki neden? Wise her \u00fclkede yerel hesaplarla \u00e7al\u0131\u015f\u0131r. Yani sistemde siz T\u00fcrkiye’den Wise’\u0131n T\u00fcrkiye’deki hesab\u0131na para g\u00f6nderimi yapt\u0131\u011f\u0131n\u0131zda Wise da sizin g\u00f6nderim yapt\u0131\u011f\u0131n\u0131z \u00fclkedeki hesab\u0131ndan al\u0131c\u0131ya sizin ad\u0131n\u0131za paray\u0131 g\u00f6nderir. B\u00f6ylece i\u015flem asl\u0131nda yurti\u00e7i herhangi bir para transferi i\u015fleminden farks\u0131z hale gelir ve muhabir bankalar\u0131n devreye girmesine gerek kalmaz.<\/strong><\/p>\n\n\n\n

Wise kur \u00e7evrimini otomatik olarak Google\u2019da sizin de g\u00f6rebildi\u011finiz kur oran\u0131yla anl\u0131k olarak \u00e7evirir. Bu sayede al\u0131c\u0131ya ne kadar para gidece\u011fini ve Wise’\u0131n ne kadar komisyon alaca\u011f\u0131n\u0131 \u015feffaf bir \u015fekilde g\u00f6rebilirsiniz. Bu komisyon d\u0131\u015f\u0131nda herhangi bir ek kesintiyle kar\u015f\u0131la\u015fmazs\u0131n\u0131z.<\/p>\n\n\n\n

Ayr\u0131ca Wise’\u0131 kullanarak yapaca\u011f\u0131n\u0131z herhangi bir para transferi i\u015flemi sadece 1 i\u015f g\u00fcn\u00fc i\u00e7erisinde tamamlan\u0131r. <\/p>\n\n\n\n

\n\n\n\n

Bankalar\u0131n ek komisyonlar\u0131, muhabir banka masraflar\u0131 gibi ek kesintileri \u00f6demeden \u00e7ok h\u0131zla ve d\u00fc\u015f\u00fck komisyonla para g\u00f6ndermek isterseniz Wise’\u0131 mutlaka deneyin.<\/strong><\/p>\n\n\n\n

\n
WISE’I DENE<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Yurti\u00e7inde ya da yurtd\u0131\u015f\u0131nda d\u00f6viz olarak g\u00f6nderilen t\u00fcm para transferleri SWIFT i\u015flemi olarak adland\u0131r\u0131l\u0131r. D\u00f6viz transferi yaparken de bankalar yurtd\u0131\u015f\u0131ndaki … Devam\u0131 \u0130\u00e7in<\/a><\/p>\n","protected":false},"author":1,"featured_media":3012,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"yoast_head":"\nMuhabir Banka Nedir: SWIFT \u0130\u015flemlerinde Neden \u00d6nemlidir?<\/title>\n<meta name=\"description\" content=\"Muhabir banka kavram\u0131 SWIFT i\u015flemlerinde kar\u015f\u0131m\u0131za s\u0131k\u00e7a \u00e7\u0131k\u0131yor. Peki bu kavram\u0131n anlam\u0131 ne? 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