{"id":5732,"date":"2022-08-02T09:06:25","date_gmt":"2022-08-02T09:06:25","guid":{"rendered":"https:\/\/yurtdisindayiz.com\/?p=5732"},"modified":"2023-04-27T12:03:44","modified_gmt":"2023-04-27T12:03:44","slug":"wise-vs-banka-transferi","status":"publish","type":"post","link":"https:\/\/yurtdisindayiz.com\/wise-vs-banka-transferi\/","title":{"rendered":"Wise vs Banka Transferi: Uluslararas\u0131 Para Transferleri"},"content":{"rendered":"<p>Uluslararas\u0131 para transferi yapmak istedi\u011finizde hangi y\u00f6ntemin tasarruflu, g\u00fcvenli ve h\u0131zl\u0131 oldu\u011funu bilmek istersiniz. Bu noktada iki se\u00e7enek kar\u015f\u0131n\u0131za \u00e7\u0131kar: Yurtd\u0131\u015f\u0131na para transferi yapan geleneksel bankalar ve elektronik para kurulu\u015flar\u0131.<\/p>\n<p>Genelde geleneksel y\u00f6ntemi tercih eden kullan\u0131c\u0131lar bankalar\u0131 se\u00e7se de y\u00fcksek transfer \u00fccretleri, gizli kesintiler ve uzun s\u00fcren transferler nedeniyle Wise (eski ad\u0131yla TransferWise) gibi elektronik kurulu\u015flara da olan talep artm\u0131\u015f durumda.<\/p>\n<p>Bu yaz\u0131m\u0131zda Wise ile geleneksel bankalar\u0131 transfer \u00fccreti, g\u00fcvenlik ve kullan\u0131m kolayl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan kar\u015f\u0131la\u015ft\u0131r\u0131p avantaj ve dezavantajlar\u0131n\u0131 payla\u015faca\u011f\u0131z.<\/p>\n<h2><strong>Wise vs Bankalar: Genel Bak\u0131\u015f<\/strong><\/h2>\n<p><strong>\u00dccretler:<\/strong> Wise, para transferinde arac\u0131 kullanmay\u0131p kendi a\u011f\u0131n\u0131 kulland\u0131\u011f\u0131ndan para transferinde \u00f6nc\u00fc Fransa bankalar\u0131na g\u00f6re 5 kat ve \u00f6nc\u00fc \u0130spanya bankalar\u0131na g\u00f6re 13 kat daha az maliyetlidir.\u00a0<\/p>\n<p><strong>Transfer H\u0131z\u0131:<\/strong> Banka ile yap\u0131lan uluslararas\u0131 para transferi, para birimi ve \u00fclkeye g\u00f6re de\u011fi\u015fmekle beraber, 3 ila 5 g\u00fcn aras\u0131nda ger\u00e7ekle\u015febilir. Wise ile yap\u0131lan transferlerin y\u00fczde %45\u2019i an\u0131nda ger\u00e7ekle\u015fir.<\/p>\n<p><strong>G\u00fcvenlik:<\/strong> Wise, bir finans teknolojileri kurulu\u015fu oldu\u011fundan, bankalar gibi d\u00fczenlenir. Uluslararas\u0131 para transferi i\u00e7in g\u00fcvenlidir. Doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u015f\u0131 \u00f6zel bir ekibi vard\u0131r. Her para transferi \u00f6ncesinde kimlik do\u011frulamas\u0131 yapar. T\u00fcm faaliyetleri bankalar gibi yasal otoritelerce denetlenir.<\/p>\n<p><strong>\u015eeffafl\u0131k:<\/strong> Wise ile ne kadar \u00f6deme yapt\u0131\u011f\u0131n\u0131z\u0131 her zaman bilirsiniz. Bankalarda, s\u00fcrece birden fazla banka dahil olabildi\u011finden, kesilecek \u00fccretler ve al\u0131c\u0131ya ula\u015facak miktar her zaman net olmayabilir.<\/p>\n<p><strong>Kullan\u0131m Kolayl\u0131\u011f\u0131:<\/strong> Wise, hesap a\u00e7maktan para transferine kadar t\u00fcm s\u00fcreci ayn\u0131 g\u00fcn tamamlaman\u0131z\u0131 sa\u011flayacak kolayl\u0131kta olu\u015fturulmu\u015ftur. Bankalarda bu s\u00fcre, en az 3 i\u015f g\u00fcn\u00fc olarak hesaplanm\u0131\u015ft\u0131r.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<center><a class=\"button\" href=\"https:\/\/wise.com\/tr\/send-money\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">WISE\u2019I KE\u015eFET<\/a><\/center>\n<p>\u00a0<\/p>\n<p><strong>Genel De\u011ferlendirme:<\/strong> Bankalar 1970\u2019li y\u0131llardan kurulmu\u015f bir a\u011f olan SWIFT\u2019i kullan\u0131rken Wise kendi kurmu\u015f oldu\u011fu \u00f6deme a\u011f\u0131n\u0131 kullan\u0131r. Bu transfer a\u011f\u0131 hem daha ucuz, hem de daha h\u0131zl\u0131d\u0131r. Wise ayr\u0131ca bankalar\u0131n aksine t\u00fcm \u00fccretleri \u00f6nceden a\u00e7\u0131klar. S\u00fcrpriz kesintiler yapmaz. \u0130\u015fte bu avantajlar\u0131 nedeniyle bankalardan daha ayr\u0131cal\u0131kl\u0131d\u0131r. 13 milyondan fazla kullan\u0131c\u0131 taraf\u0131ndan desteklenmesinin bir di\u011fer nedeni de budur.<\/p>\n<h2 id=\"wise-le-para-transferinde-ne-kadar-tasarruf-edersiniz\">Wise ile Para Transferinde Ne Kadar Tasarruf Edersiniz?<\/h2>\n<p>Wise ile yurt d\u0131\u015f\u0131na para g\u00f6nderirken ne kadar tasarruf etti\u011finizi anlamak i\u00e7in 1000 Euro, 5000 Euro ve 10.000 Euro\u2019yu TRY hesab\u0131na g\u00f6nderilirken al\u0131nan \u00fccretleri inceleyelim:<\/p>\n<div>\n<div>\n<table style=\"height: 257px;\" width=\"759\">\n<thead>\n<tr>\n<th scope=\"col\">\n<p>Miktar &#8211; Para Birimi<\/p>\n<\/th>\n<th scope=\"col\">\n<p>Wise<\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">1,000 EUR &#8211; TRY<\/p>\n<\/td>\n<td style=\"text-align: center;\">\n<p>17.794,88 \u20ba<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">5,000 EUR &#8211; TRY<\/p>\n<\/td>\n<td style=\"text-align: center;\">\n<p>89.092,63 \u20ba<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">\n<p>10,000 EUR &#8211; TRY<\/p>\n<\/td>\n<td style=\"text-align: center;\">\n<p>178.214,64 \u20ba<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: revert;\">Wise, d\u00fc\u015f\u00fck transfer \u00fccreti sayesinde masrafs\u0131zd\u0131r. \u00dcstelik transfer edilen miktar artt\u0131k\u00e7a tasarruf etti\u011finiz miktar daha da artar.<\/span><\/p>\n<\/div>\n<\/div>\n<h3 id=\"wise-ile-nasl-daha-ucuza-para-transferi-yapabiliyor\">Wise ile Nas\u0131l Daha Ucuza Para Transferi Yapabiliyor?<\/h3>\n<p>Bankalar uluslararas\u0131 para transferi i\u00e7in genelde SWIFT a\u011f\u0131n\u0131 kullan\u0131r. Bu durumda paran\u0131z transfer edilirken arac\u0131 ba\u015fka bir banka s\u00fcrece dahil olur ve bu \u015fekilde para transferi tamamlan\u0131r. Bu uygulama <strong>hem transfer s\u00fcresini yava\u015flatabilir hem de ek g\u00f6nderim \u00fccretleri nedeniyle maliyetlerde art\u0131\u015f<\/strong> olabilir. Dolay\u0131s\u0131yla <strong>transfer \u00fccretini ve al\u0131c\u0131ya ula\u015facak net miktar\u0131 \u00f6nceden bilemeyebilirsiniz.<\/strong><\/p>\n<p><strong>Wise, alaca\u011f\u0131 transfer \u00fccretini transfer ba\u015flat\u0131lmadan \u00f6nce \u015feffaf olarak sitesinde a\u00e7\u0131klar.<\/strong> Peki Wise ile para transferi, geleneksel y\u00f6ntemlere g\u00f6re nas\u0131l ucuza ger\u00e7ekle\u015ftirebiliyor?<\/p>\n<p><strong>Cevab\u0131 kendi transfer a\u011f\u0131n\u0131 kullanmas\u0131d\u0131r.<\/strong> <strong>Wise, para transferi i\u00e7in d\u00fcnyan\u0131n k\u00f6kl\u00fc bankalar\u0131nda a\u00e7m\u0131\u015f oldu\u011fu yerel hesaplar\u0131 kullan\u0131r. Kurdu\u011fu bu a\u011f sayesinde g\u00f6nderilen para ilgili \u00fclkenin s\u0131n\u0131rlar\u0131 d\u0131\u015f\u0131na \u00e7\u0131kmaz. Dolay\u0131s\u0131yla d\u00f6viz \u00e7evrim \u00fccreti gerekmez.\u00a0<\/strong><\/p>\n<p>Bir \u00f6rnekle a\u00e7\u0131klayal\u0131m: T\u00fcrkiye\u2019den Almanya\u2019ya Wise ile para g\u00f6ndermek istedi\u011finizde, siz \u00f6nce paray\u0131 Wise\u2019\u0131n T\u00fcrkiye\u2019deki hesab\u0131na g\u00f6nderirsiniz. Wise ise, o miktardaki paray\u0131 Almanya\u2019daki hesab\u0131ndan, al\u0131c\u0131n\u0131n Almanya\u2019daki hesab\u0131na g\u00f6nderir. Bu sayede paran\u0131z asl\u0131nda \u00fclke d\u0131\u015f\u0131nda \u00e7\u0131kmaz ve hem transfer s\u00fcresi hem de \u00fccretler olabildi\u011finde d\u00fc\u015f\u00fck d\u00fczeylerde tutulabilir.\u00a0<\/p>\n<p>Daha ayr\u0131nt\u0131l\u0131 bilgi almak i\u00e7in: <a href=\"https:\/\/wise.com\/tr\/send-money\/cheapest-way-to-send-money-abroad?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">Yurtd\u0131\u015f\u0131na para g\u00f6ndermenin ucuz yolu<\/a><\/p>\n<h2 id=\"wise-vs-banka-para-transferi-tum-maliyetlerin-analizi\">Wise vs Banka Para Transferi: T\u00fcm Maliyetlerin Analizi<\/h2>\n<p id=\"yurt-dna-para-gnderirken-hangi-yntemi-tercih-edeceinize-en-cok-etki-edecek-konulardan-biri-transfer-maliyetleri-olabilir-bu-kapsamda-wise-ile-uluslararas-bankalarn-para-gnderimi-icin-uygulad-ucretler-u-ekildedir\">Yurt d\u0131\u015f\u0131na para g\u00f6nderirken hangi y\u00f6ntemi tercih edece\u011finize en \u00e7ok etki edecek konulardan biri transfer maliyetleri olabilir. Bu kapsamda Wise ile uluslararas\u0131 bankalar\u0131n para g\u00f6nderimi i\u00e7in uygulad\u0131\u011f\u0131 \u00fccretler \u015fu \u015fekildedir:<\/p>\n<table style=\"height: 443px;\" width=\"829\">\n<thead>\n<tr>\n<th scope=\"col\">\n<p><strong>\u0130\u015flem T\u00fcr\u00fc<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Wise \u00dccretleri<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">Hesap a\u00e7mak<\/p>\n<\/td>\n<td style=\"text-align: center;\">\n<p style=\"text-align: center;\">\u00dccretsiz<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Ayl\u0131k veya y\u0131ll\u0131k abonelik \u00fccreti<\/p>\n<\/td>\n<td style=\"text-align: center;\">\n<p>\u00dccretsiz<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">\n<p>Yurt d\u0131\u015f\u0131na para g\u00f6ndermek<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">0.41% taban \u00fccreti<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">\n<p>Yurt d\u0131\u015f\u0131ndan para almak<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">AUD, CAD, EUR, GBP, HUF, NZD, SGD, TRY ve USD\u00a0 para birimlerinde \u00fccretsiz (havale hari\u00e7)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<center><a class=\"button\" href=\"https:\/\/wise.com\/tr\/send-money\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">WISE \u0130LE PARA G\u00d6NDER<\/a><\/center>\n<p>\u00a0<\/p>\n<p id=\"geleneksel-bankalar-icin-tek-bir-ucret-tablosundan-bahsedilemeyebilir-cunku-her-bankann-farkl-bir-fiyat-politikas-vardr-ancak-her-banka-para-gnderimi-icin-bir-ucret-talep-eder-te-uluslararas-bankalarn-tipik-olarak-muterilerinden-talep-ettii-baz-ucretler\">Geleneksel bankalar i\u00e7in tek bir \u00fccret tablosundan bahsedilemeyebilir \u00e7\u00fcnk\u00fc her bankan\u0131n farkl\u0131 bir fiyat politikas\u0131 vard\u0131r. Ancak, her banka para g\u00f6nderimi i\u00e7in bir \u00fccret talep eder. \u0130\u015fte uluslararas\u0131 bankalar\u0131n tipik olarak m\u00fc\u015fterilerinden talep etti\u011fi baz\u0131 \u00fccretler:<\/p>\n<table>\n<thead>\n<tr>\n<th scope=\"col\">\n<p><strong>\u0130\u015flem T\u00fcr\u00fc<\/strong><\/p>\n<\/th>\n<th scope=\"col\">\n<p><strong>Banka \u00dccretleri<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p>Hesap a\u00e7mak<\/p>\n<\/td>\n<td>\n<p>T\u00fcrkiye\u2019de art\u0131k banka hesab\u0131 a\u00e7ma \u00fccreti al\u0131nm\u0131yor. Baz\u0131 bankalar hesap a\u00e7mak i\u00e7in minimum bir tutar\u0131 depozit olarak belirlemenizi isteyebilir.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Ayl\u0131k veya y\u0131ll\u0131k abonelik \u00fccreti<\/p>\n<\/td>\n<td>\n<p>Bir\u00e7ok k\u00f6kl\u00fc banka abonelik \u00fccreti talep etmez.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Yurt d\u0131\u015f\u0131na para g\u00f6ndermek<\/p>\n<\/td>\n<td>\n<p>\u00c7ok de\u011fi\u015fken olabilir. Yurt d\u0131\u015f\u0131na 1000 Dolar g\u00f6nderimi i\u00e7in ortalama 30-60 Dolar transfer \u00fccreti talep edilebilir.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>Yurt d\u0131\u015f\u0131ndan para almak.<\/p>\n<\/td>\n<td>\n<p>\u00c7o\u011fu bankada \u00f6deme almak \u00fccretsizdir. Ancak e\u011fer g\u00f6nderilen para birimi, \u00f6demeyi ald\u0131\u011f\u0131n\u0131z hesaptaki para biriminden farkl\u0131 ise d\u00f6viz \u00e7evrim \u00fccreti kesilebilir.\u00a0<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Wise, bu sayede para transferinde tasarruf etmenizi sa\u011flayabilir. Wise \u00fccretleri hakk\u0131nda daha detayl\u0131 bilgi almak i\u00e7in: <a href=\"https:\/\/wise.com\/tr\/help\/articles\/2893489\/para-tutma-alma-ve-harcama-ucretleri?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">Para tutma, alma ve harcama \u00fccretleri<\/a><\/p>\n<h3 id=\"dviz-kuru-gizli-ucretlerin-kayna\">D\u00f6viz Kuru: Gizli \u00dccretlerin Kayna\u011f\u0131<\/h3>\n<p>Bir\u00e7ok banka veya elektronik para kurulu\u015fu resmi sitelerinde para transferi i\u00e7in d\u00fc\u015f\u00fck \u00fccretler g\u00f6sterebilir. Hatta baz\u0131 kurulu\u015flar, komisyonsuz veya \u00fccretsiz transfer yapt\u0131\u011f\u0131n\u0131 belirtiyor olabilir. Ancak para transfer hizmetinin maliyeti ve kar marj\u0131 d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde bunun genelde m\u00fcmk\u00fcn olmad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcr.\u00a0<\/p>\n<p>Bankalar, kendi belirledikleri d\u00f6viz kurlar\u0131 \u00fcst\u00fcnden i\u015flem yapt\u0131\u011f\u0131 i\u00e7in sizin o an Google\u2019da g\u00f6rd\u00fc\u011f\u00fcn\u00fcz d\u00f6viz kurlar\u0131ndan daha y\u00fcksek bir kur kullan\u0131yor olabilir. Bu da g\u00f6nderdi\u011finiz paran\u0131n \u00e7e\u015fitli kesintilere u\u011fray\u0131p de\u011fer kaybedece\u011fi anlam\u0131na gelebilir.<\/p>\n<p>Wise ise geleneksel bankalardan farkl\u0131 olarak Reuters taraf\u0131ndan yay\u0131nlanan reel d\u00f6viz kuruna g\u00f6re i\u015flem yapar. B\u00f6ylece transfer sonras\u0131nda kar\u015f\u0131n\u0131za gizli \u00fccretlendirmeler \u00e7\u0131kmaz ve adil bir d\u00f6viz kuruyla paran\u0131z i\u015flem g\u00f6r\u00fcr.<\/p>\n<h3 id=\"swift-komisyon-ve-beklenmedik-kesintiler\">SWIFT: Komisyon ve Beklenmedik Kesintiler<\/h3>\n<p>SWIFT\u2019in a\u00e7\u0131l\u0131m\u0131 <strong>Society for Worldwide Interbank Financial Telecommunication<\/strong>, yani D\u00fcnya Bankalararas\u0131 Finansal Telekom\u00fcnikasyon Derne\u011fi&#8217;dir. Geleneksel bankac\u0131l\u0131kta bir \u00fclkedeki bankadan ba\u015fka bir \u00fclkedeki bankaya ger\u00e7ekle\u015ftirilen d\u00f6viz transferleri SWIFT a\u011f\u0131 ile ger\u00e7ekle\u015ftirilir.\u00a0<\/p>\n<p>SWIFT i\u015flemine arac\u0131l\u0131k eden bankalar sizden g\u00f6nderilen miktar kar\u015f\u0131l\u0131\u011f\u0131nda komisyon \u00fccreti al\u0131r. Bu komisyondan dolay\u0131 size beklenmedik masraflar \u00e7\u0131kabilir. Bu sebeple SWIFT\u2019te al\u0131c\u0131ya ula\u015facak para miktar\u0131n\u0131 \u00f6nceden tespit etmek olduk\u00e7a g\u00fc\u00e7t\u00fcr. Swift hakk\u0131nda daha ayr\u0131nt\u0131l\u0131 bilgi almak isterseniz: <a href=\"https:\/\/yurtdisindayiz.com\/swift-bic-nedir-nasil-yapilir\/\">Swift Nedir?<\/a><\/p>\n<p><strong>Wise ise para transferinde SWIFT a\u011f\u0131n\u0131 kullanmaz.<\/strong> Onun yerine kendi kurdu\u011fu transfer a\u011f\u0131n\u0131 kullan\u0131r. B\u00f6ylece hem h\u0131zl\u0131 hem de uygun para transferi sa\u011flar. Ayr\u0131ca Wise ile transfer yaparken, <strong>al\u0131c\u0131n\u0131n ad\u0131 soyad\u0131 ve IBAN bilgileri yeterlidir. Al\u0131c\u0131 bankan\u0131n Swift kodunu bilmeniz gerekmez.<\/strong>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<center><a class=\"button\" href=\"https:\/\/wise.com\/tr\/send-money\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">WISE \u0130LE PARA G\u00d6NDER<\/a><\/center>\n<p>\u00a0<\/p>\n<h2 id=\"wise-nasl-calr\">Wise Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/h2>\n<p>Wise bir banka de\u011fildir ve geleneksel bankalardan farkl\u0131 \u00e7al\u0131\u015f\u0131r. Uluslararas\u0131 para transferini h\u0131zl\u0131, g\u00fcvenli, kolay ve m\u00fcmk\u00fcn oldu\u011fu kadar az maliyetli yapmaya odaklanm\u0131\u015f elektronik bir para kurulu\u015fudur.\u00a0<\/p>\n<p>Sundu\u011fu \u00e7oklu d\u00f6viz hesab\u0131yla 50&#8217;den fazla farkl\u0131 para biriminde paran\u0131z\u0131 tutman\u0131z\u0131 sa\u011flar. Ayr\u0131ca 10 farkl\u0131 para biriminde \u00f6deme alman\u0131za imkan tan\u0131r. Bankalarda bu i\u015flemi yapabilmeniz i\u00e7in 10 ayr\u0131 banka hesab\u0131 a\u00e7man\u0131z gerekir.<\/p>\n<p>Wise Kart ve \u00c7oklu D\u00f6viz Hesab\u0131 hizmetleri T\u00fcrkiye\u2019de ikamet eden kullan\u0131c\u0131lar i\u00e7in hen\u00fcz mevcut de\u011fil. Ancak yurtd\u0131\u015f\u0131nda, Wise Hesab\u0131 veya Wise Kart hizmetinin bulundu\u011fu bir \u00fclkede ikamet ediyorsan\u0131z, Wise Hesab\u0131 a\u00e7abilir ve kart ba\u015fvurusunda bulunabilirsiniz. Detayl\u0131 bilgi i\u00e7in <a href=\"https:\/\/wise.com\/tr\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">bu linke t\u0131klayabilirsiniz<\/a>.<\/p>\n<h2 id=\"wise-vs-bankalar-zelliklerin-karlatrlmas\">Wise vs Bankalar: \u00d6zelliklerin Kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131\u00a0<\/h2>\n<p>Wise ile bankalar\u0131n \u00f6zelliklerini kar\u015f\u0131la\u015ft\u0131rd\u0131\u011f\u0131m\u0131zda \u015fu sonu\u00e7lar\u0131 g\u00f6r\u00fcr\u00fcz:<\/p>\n<ul>\n<li>Uluslararas\u0131 para transferi geleneksel bankalar\u0131n ana faaliyeti de\u011fildir. Bu nedenle arac\u0131 bankalar\u0131 kullanabilirler. Wise uluslararas\u0131 para transferlerini m\u00fcmk\u00fcn oldu\u011fu kadar az maliyetli yapmay\u0131 hedefleyerek kurulmu\u015f bir \u015firkettir.<\/li>\n<li>Wise reel d\u00f6viz kurunu baz al\u0131r. Bankalar kendi belirledikleri ve genellikle piyasan\u0131n \u00fczerinde olan bir kuru baz al\u0131r.<\/li>\n<li>Wise\u2019da t\u00fcm \u00fccretler \u015feffaft\u0131r ve transfer \u00f6ncesinde hem al\u0131nacak \u00fccretler hem de al\u0131c\u0131ya ula\u015facak net miktar g\u00f6sterilir. Bankalar, arac\u0131 kulland\u0131klar\u0131 i\u00e7in transfer \u00fccreti belli olmayabilir. Arac\u0131 ya da al\u0131c\u0131 banka, transfer \u00f6ncesinde \u00f6ng\u00f6r\u00fclemeyen farkl\u0131 \u00fccret kesintileri yapabilir. Bu nedenle, al\u0131c\u0131ya ula\u015facak net miktar\u0131 transfer \u00f6ncesinde bilmeniz m\u00fcmk\u00fcn olmayabilir.\u00a0<\/li>\n<li>Kendi transfer a\u011f\u0131n\u0131 kulland\u0131\u011f\u0131 i\u00e7in Wise ile transfer h\u0131z\u0131 y\u00fcksektir.<\/li>\n<li>\u00c7oklu d\u00f6viz hesab\u0131 a\u00e7mak Wise\u2019da \u00fccretsizdir. Bir\u00e7ok bankada, farkl\u0131 para birimlerinde bakiye bulundurabilmek i\u00e7in farkl\u0131 hesaplar a\u00e7man\u0131z gerekebilir.\u00a0<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<center><a class=\"button\" href=\"https:\/\/wise.com\/tr\/send-money\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">WISE \u0130LE PARA G\u00d6NDER<\/a><\/center>\n<p>\u00a0<\/p>\n<h2 id=\"wise-guvenli-mi\">Wise G\u00fcvenli mi?<\/h2>\n<p>Wise, geleneksel bankalar kadar g\u00fcvenlidir. Kendisine \u00f6zg\u00fc g\u00fcvenlik sa\u011flama y\u00f6ntemlerine sahiptir. Bankalar, m\u00fc\u015fterilerinin paralar\u0131n\u0131 de\u011ferlendirir ve ba\u015fka m\u00fc\u015fterilere bor\u00e7 verir. E\u011fer, \u00f6d\u00fcn\u00e7 alanlar paralar\u0131n\u0131 \u00f6deyemez ise banka batabilir.<\/p>\n<p>Wise, m\u00fc\u015fterilerin paras\u0131n\u0131 \u00f6d\u00fcn\u00e7 vermez. TMSF (Tasarruf Mevduat\u0131 Sigorta Fonu) gibi finansal koruma d\u00fczeniyle sigortalatmak yerine kendisi koruma alt\u0131na al\u0131r.\u00a0<\/p>\n<p>Paran\u0131z\u0131 kendi faaliyetlerinden ayr\u0131 olarak, d\u00fcnyadaki k\u00f6kl\u00fc bankalarda tutar ve ba\u015fta devlet tahvilleri olmak \u00fczere devlet destekli likit varl\u0131klara yat\u0131r\u0131r. Ayr\u0131ca hesaplar\u0131n g\u00fcvenli\u011fini \u00e7ok s\u0131k\u0131 sa\u011flayabilmek i\u00e7in doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u015f\u0131 \u00f6zel ekiplere sahiptir.\u00a0<\/p>\n<p>Ayr\u0131ca Wise\u2019\u0131n T\u00fcrkiye\u2019deki t\u00fcm faaliyetleri BDDK taraf\u0131ndan denetlenir.<\/p>\n<h2 id=\"wise-vs-bankalar-transfer-hz\">Wise vs Bankalar: Transfer H\u0131z\u0131\u00a0<\/h2>\n<p>Para transferinin s\u00fcresi bir\u00e7ok etmene ba\u011fl\u0131d\u0131r. G\u00f6nderilen \u00fclke, para miktar\u0131 ve para birimi ana unsurlard\u0131r.<\/p>\n<p>Wise ile yap\u0131lan uluslararas\u0131 transferlerin %45\u2019i anl\u0131k ve 20 saniye gibi k\u0131sa s\u00fcrede tamamlan\u0131r. Di\u011fer transferlerin b\u00fcy\u00fck \u00e7o\u011funlu\u011fu ise ayn\u0131 g\u00fcn i\u00e7inde ger\u00e7ekle\u015fir.<\/p>\n<p>Bankalarda uluslararas\u0131 para transferi i\u00e7in net bir tarih vermek m\u00fcmk\u00fcn olmayabilir. \u00c7\u00fcnk\u00fc SWIFT a\u011f\u0131 nedeniyle arac\u0131 bir banka ile \u00e7al\u0131\u015fmak durumunda kal\u0131rlar. Bu durumda ise s\u00fcre bankalar\u0131n kontrol\u00fcnde olmayabilir. Genellikle 3 i\u015f g\u00fcn\u00fc i\u00e7inde transfer tamamlan\u0131r, ancak baz\u0131 durumlarda 3-5 i\u015f g\u00fcn\u00fc s\u00fcrebilir.\u00a0<\/p>\n<p>Wise ile yapmay\u0131 planlad\u0131\u011f\u0131n\u0131z uluslararas\u0131 transferin ne kadar s\u00fcrece\u011fini merak ediyorsan\u0131z, bu linkten pop\u00fcler rotalar\u0131 ve transferin tahmini ka\u00e7 saatte ula\u015faca\u011f\u0131n\u0131 inceleyebilirsiniz: <a href=\"https:\/\/wise.com\/tr\/send-money\/instant-money-transfer?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">Wise ile Uluslararas\u0131 Para Transferi S\u00fcreleri<\/a><\/p>\n<p>Her \u00fclkenin bankac\u0131l\u0131k sistemi hafta sonu \u00e7al\u0131\u015fmayabilir. Wise ile yap\u0131lan transferlerde de s\u00fcrece bankalar dahil oldu\u011fundan, cuma ak\u015fam\u0131 ya da hafta sonu yap\u0131lan transferler, pazartesi sabah\u0131 i\u015fleme al\u0131nmaya ba\u015flayabilir. Transfer s\u00fcresi ile ilgili merak ettikleriniz i\u00e7in: <a href=\"https:\/\/wise.com\/tr\/help\/articles\/2941900\/param-ne-zaman-ulas%C4%B1r?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">Param ne zaman ula\u015f\u0131r?<\/a><\/p>\n<h2 id=\"wise-vs-bankalar-kullanm-kolayl\">Wise vs Bankalar: Kullan\u0131m Kolayl\u0131\u011f\u0131<\/h2>\n<p>Wise hesab\u0131n\u0131 internet \u00fczerinden dakikalar i\u00e7erisinde ve sadece e-posta adresi ile veya Google, Facebook ya da Apple hesab\u0131 ile a\u00e7abilirsiniz. Resmi kimli\u011finizle<strong> do\u011frulama yapt\u0131ktan sonra da Wise hizmetlerinden faydalanabilirsiniz.<\/strong> <strong>Wise ile i\u015flemlerinizi hem web sitesinden hem de mobil uygulamas\u0131 \u00fczerinden kolayca ve h\u0131zl\u0131 \u015fekilde ger\u00e7ekle\u015ftirebilirsiniz.\u00a0<\/strong><\/p>\n<p>Bankalarda hesap a\u00e7mak i\u00e7in ise genellikle fiziki olarak bir banka \u015fubesini ziyaret etmeniz ve kimlik bilgilerinizi sunman\u0131z istenir. Bunun yan\u0131nda para transferi yapabilmeniz i\u00e7in baz\u0131 do\u011frulama belgeleri de sizden talep edilebilir.<\/p>\n<p>Wise ile yurtd\u0131\u015f\u0131na para transfer etme s\u00fcreci kolay ve h\u0131zl\u0131d\u0131r. Hesap a\u00e7maktan para transferine kadar olan t\u00fcm s\u00fcre\u00e7 ayn\u0131 g\u00fcn i\u00e7erisinde yap\u0131labilir.\u00a0<\/p>\n<h2 id=\"hizmet-kapsam\">Hizmet Kapsam\u0131<\/h2>\n<p><strong>Wise \u00e7oklu d\u00f6viz hesab\u0131 ile 9 para biriminde \u00f6deme alabilirsiniz. 70\u2019ten fazla \u00fclkeye sorunsuzca para g\u00f6nderebilirsiniz. Ayr\u0131ca 50&#8217;den fazla para birimine paran\u0131z\u0131 \u00e7evirebilir ve hesab\u0131n\u0131zda tutabilirsiniz.\u00a0<\/strong><\/p>\n<p>Bankalar ise genelde \u00e7oklu d\u00f6viz hesab\u0131n\u0131 desteklemeyebilir. Baz\u0131 \u00f6nc\u00fc bankalar USD, EUR gibi pop\u00fcler para birimlerinde hesap a\u00e7ma ve bakiye tutma hizmeti sunar.<\/p>\n<h2 id=\"sonuc\">Sonu\u00e7<\/h2>\n<p>Wise ise bug\u00fcnlerde say\u0131s\u0131 13 milyonu a\u015fm\u0131\u015f olan m\u00fc\u015fterilerinin her ay 7 milyar dolarl\u0131k para transferini y\u00f6netmektedir. Bu miktar\u0131 y\u00f6netecek teknolojik yap\u0131ya sahip olup geleneksel bankalar kadar g\u00fcvenlidir. A\u015fa\u011f\u0131daki butona t\u0131klayarak \u00fccretsiz olarak Wise hesab\u0131 olu\u015fturabilirsiniz:<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<center><a class=\"button\" href=\"https:\/\/wise.com\/tr\/send-money\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=comparisons&amp;utm_content=wise_vs_banka_transferi\">WISE HESABI OLU\u015eTUR<\/a><\/center>\n<p>\u00a0<\/p>\n<h2 id=\"sss\">SSS:\u00a0<\/h2>\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1659429338199\"><strong class=\"schema-faq-question\"><strong>Wise ile uluslararas\u0131 para transferleri nas\u0131l ucuz olabiliyor?<\/strong><\/strong> <p class=\"schema-faq-answer\">Reel d\u00f6viz kuruna g\u00f6re i\u015flem yapt\u0131\u011f\u0131ndan bankalardan \u00e7ok daha d\u00fc\u015f\u00fck \u00fccretlendirme uygular. Gizli \u00fccret yoktur ve ne \u00f6deyece\u011finizi \u00f6nceden bilirsiniz.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1659429350107\"><strong class=\"schema-faq-question\"><strong>Wise para transferi yapmak g\u00fcvenli midir?<\/strong><\/strong> <p class=\"schema-faq-answer\">Wise bir banka kadar g\u00fcvenlidir. Paran\u0131z\u0131 k\u00f6kl\u00fc bankalarda tutar ve devlet destekli likit varl\u0131klara yat\u0131r\u0131r. Ayr\u0131ca paran\u0131z\u0131 ve verileri korumak i\u00e7in t\u00fcm g\u00fcvenlik \u00f6nlemlerini uygular.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1659429367711\"><strong class=\"schema-faq-question\"><strong>Wise nas\u0131l \u00e7al\u0131\u015f\u0131r?<\/strong><\/strong> <p class=\"schema-faq-answer\">Wise, bankalar\u0131n uluslararas\u0131 para transferinde kulland\u0131\u011f\u0131 SWIFT y\u00f6nteminin aksine kendi transfer a\u011f\u0131n\u0131 kullan\u0131r.\u00a0 B\u00f6ylece \u00e7ok d\u00fc\u015f\u00fck i\u015fletim \u00fccretleriyle, h\u0131zl\u0131 bir \u015fekilde yurtd\u0131\u015f\u0131na para transferi ger\u00e7ekle\u015ftirir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1659429380057\"><strong class=\"schema-faq-question\"><strong>Wise bir banka m\u0131?<\/strong><\/strong> <p class=\"schema-faq-answer\">Wise bir banka de\u011fil elektronik para kurulu\u015fudur. Bankalarda oldu\u011fu gibi kredi veremez veya vadeli hesap sunmaz.\u00a0Ancak bir finans kurulu\u015fu oldu\u011fundan, bankalar gibi d\u00fczenlenir ve denetlenir. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1659429399541\"><strong class=\"schema-faq-question\"><strong>Wise bir uluslararas\u0131 para transferleri i\u00e7in avantajl\u0131 m\u0131?<\/strong><\/strong> <p class=\"schema-faq-answer\">Wise; reel d\u00f6viz kurunu baz almas\u0131, para transferinde kendi a\u011f\u0131n\u0131 kullanmas\u0131, t\u00fcm \u00fccretleri \u015feffaf olarak payla\u015fmas\u0131 ve \u00e7oklu d\u00f6viz hesab\u0131 gibi \u00f6zellikleriyle uluslararas\u0131 para transferinde avantajl\u0131d\u0131r.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Uluslararas\u0131 para transferi yapmak istedi\u011finizde hangi y\u00f6ntemin tasarruflu, g\u00fcvenli ve h\u0131zl\u0131 oldu\u011funu bilmek istersiniz. Bu noktada iki se\u00e7enek kar\u015f\u0131n\u0131za \u00e7\u0131kar: &#8230; <a title=\"Wise vs Banka Transferi: Uluslararas\u0131 Para Transferleri\" class=\"read-more\" href=\"https:\/\/yurtdisindayiz.com\/wise-vs-banka-transferi\/\" aria-label=\"More on Wise vs Banka Transferi: Uluslararas\u0131 Para Transferleri\">Devam\u0131 \u0130\u00e7in<\/a><\/p>\n","protected":false},"author":8,"featured_media":5738,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-5732","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uluslararasi-para-transferi","resize-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Wise vs Banka Transferleri - Uluslararas\u0131 Para Transferi | Yurtd\u0131\u015f\u0131nday\u0131z<\/title>\n<meta name=\"description\" content=\"Uluslararas\u0131 para transferleri i\u00e7in \u00fccretler, transfer h\u0131z\u0131 ve g\u00fcvenlik gibi konularda geleneksel bankalar\u0131 ve Wise&#039;\u0131 inceledi\u011fimiz yaz\u0131y\u0131 okumak i\u00e7in t\u0131klay\u0131n.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yurtdisindayiz.com\/wise-vs-banka-transferi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wise vs Banka Transferleri - 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Gizli \u00fccret yoktur ve ne \u00f6deyece\u011finizi \u00f6nceden bilirsiniz.","inLanguage":"tr"},"inLanguage":"tr"},{"@type":"Question","@id":"https:\/\/yurtdisindayiz.com\/wise-vs-banka-transferi\/#faq-question-1659429350107","position":2,"url":"https:\/\/yurtdisindayiz.com\/wise-vs-banka-transferi\/#faq-question-1659429350107","name":"Wise para transferi yapmak g\u00fcvenli midir?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Wise bir banka kadar g\u00fcvenlidir. Paran\u0131z\u0131 k\u00f6kl\u00fc bankalarda tutar ve devlet destekli likit varl\u0131klara yat\u0131r\u0131r. 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Bankalarda oldu\u011fu gibi kredi veremez veya vadeli hesap sunmaz.\u00a0Ancak bir finans kurulu\u015fu oldu\u011fundan, bankalar gibi d\u00fczenlenir ve denetlenir. 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