{"id":5914,"date":"2022-09-15T09:44:29","date_gmt":"2022-09-15T09:44:29","guid":{"rendered":"https:\/\/yurtdisindayiz.com\/?p=5914"},"modified":"2022-10-15T09:40:16","modified_gmt":"2022-10-15T09:40:16","slug":"yurtdisinda-banka-karti-kullanimi","status":"publish","type":"post","link":"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/","title":{"rendered":"Yurt D\u0131\u015f\u0131nda Banka Kart\u0131 Kullan\u0131m\u0131"},"content":{"rendered":"\n<p>Yurt d\u0131\u015f\u0131na seyahat etmeyi, farkl\u0131 bir \u00fclkeye ta\u015f\u0131nmay\u0131 veya ba\u015fka bir \u00fclkeden online al\u0131\u015fveri\u015f yapmay\u0131 planl\u0131yor olabilirsiniz. Yurtd\u0131\u015f\u0131nda kullan\u0131rken d\u00f6viz \u00e7evriminde kay\u0131p ya\u015famayaca\u011f\u0131n\u0131z ve para \u00e7ekerken y\u00fcksek \u00fccretler \u00f6demeyece\u011finiz bir uluslararas\u0131 banka kart\u0131na ihtiyac\u0131n\u0131z olabilir.<\/p>\n\n\n\n<p>Peki yurtd\u0131\u015f\u0131nda al\u0131\u015fveri\u015f yaparken bankalar\u0131n y\u00fcksek i\u015flem \u00fccretlerinden ve komisyonlar\u0131ndan nas\u0131l ka\u00e7\u0131nabiliriz? Hangi bankalar bizi d\u00f6viz kurlar\u0131ndaki dalgalanmalardan koruyan debit kartlar sunar? Ba\u015fka bir \u00fclkede y\u00fcksek komisyon \u00f6demeden atm\u2019den nakit \u00e7ekmemizi sa\u011flayan kartlar var m\u0131?<\/p>\n\n\n\n<p><strong>Uluslararas\u0131 banka kartlar\u0131<\/strong>, yurt d\u0131\u015f\u0131na seyahat ederken ayn\u0131 zamanda tasarruf etmek isteyenler i\u00e7in bir\u00e7ok avantaj sunar. Wise gibi elektronik para kurulu\u015flar\u0131 taraf\u0131ndan sunulan debit kartlar ise d\u00fcnyan\u0131n her yerinde al\u0131\u015fveri\u015flerini uygun fiyata ve yerel para birimiyle yapmak isteyen ki\u015filer i\u00e7in b\u00fcy\u00fck kolayl\u0131klar\u0131 beraberinde getirir.<\/p>\n\n\n\n<p>Bu makalede <strong>yurt d\u0131\u015f\u0131nda kullan\u0131labilen bu banka kartlar\u0131n\u0131n<\/strong> \u00e7al\u0131\u015fma mant\u0131\u011f\u0131n\u0131, uluslararas\u0131 kullan\u0131m\u0131n\u0131 ve sa\u011flad\u0131klar\u0131 avantajlar\u0131 inceleyece\u011fiz.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#kullanmak\">Yurtd\u0131\u015f\u0131nda uluslararas\u0131 banka kart\u0131 kullanmak<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#nedir\">Uluslararas\u0131 banka kart\u0131 nedir ve neler sunar?<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#avantajlar\">Avantajlar\u0131 nelerdir?<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#dikkat\">Yurt d\u0131\u015f\u0131nda bu kartlar kullan\u0131l\u0131rken dikkat edilmesi gerekenler<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#basvuru\">Uluslararas\u0131 banka kart almak i\u00e7in nas\u0131l ba\u015fvurulur?<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#ucretler\">Kart i\u015flem \u00fccretleri nelerdir?<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#cesitleri\">Uluslararas\u0131 banka kart\u0131 \u00e7e\u015fitleri<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#wise-kart\">Yurt d\u0131\u015f\u0131nda Wise kart kullanmak, avantajlar\u0131 ve \u00fccretleri<\/a><\/li><li><a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/#sonuc\">Sonu\u00e7 ve s\u0131k\u00e7a sorulan sorular<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kullanmak\">Yurt D\u0131\u015f\u0131nda Uluslararas\u0131 Banka Kart\u0131 Kullanmak<\/h2>\n\n\n\n<p>Seyahat i\u00e7in farkl\u0131 \u00fclkelerin para birimlerinde d\u00f6viz al\u0131rken para kaybetmemek ve \u00f6nemlidir. K\u0131sa s\u00fcreli seyahatlerde nakit yeterli olsa da, y\u00fcksek miktarda nakit ta\u015f\u0131mamak i\u00e7in yurtd\u0131\u015f\u0131nda kullanabilece\u011finiz ve para \u00e7ekmek i\u00e7in y\u00fcksek \u00fccretler kesmeyen bir karta ihtiya\u00e7 duyabilirsiniz. <\/p>\n\n\n\n<p>Yurt d\u0131\u015f\u0131na ta\u015f\u0131nacak ki\u015filer i\u00e7in ise, o \u00fclkede yerel banka hesaplar\u0131 olmad\u0131\u011f\u0131 i\u00e7in, uluslararas\u0131 kullanabilecekleri bir banka kart\u0131 almak gerekli olabilir.&nbsp;<\/p>\n\n\n\n<p><strong>T\u00fcrkiye\u2019deki bankalar taraf\u0131ndan sa\u011flanan kredi ve banka kartlar\u0131n\u0131n yurt d\u0131\u015f\u0131nda kullan\u0131m\u0131 genellikle m\u00fcmk\u00fcn, ancak birtak\u0131m problemleri beraberinde getirebilir.<\/strong><\/p>\n\n\n\n<p>\u00d6rne\u011fin yapt\u0131\u011f\u0131n\u0131z al\u0131\u015fveri\u015fin d\u00f6viz olarak bir s\u00fcre provizyonda bekletildi\u011fini ve sonras\u0131nda \u00fczerine y\u00fczdelik komisyonlar eklenerek T\u00fcrk liras\u0131 cinsinden ekstrenize yans\u0131t\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6rebilirsiniz. Ya da harcama yapt\u0131\u011f\u0131n\u0131z d\u00f6viz kurunun reel d\u00f6viz kurundan ba\u011f\u0131ms\u0131z \u015fekilde ve daha y\u00fcksek bir kur \u00fczerinden T\u00fcrk liras\u0131na \u00e7evrildi\u011fine \u015fahit olabilirsiniz.<\/p>\n\n\n\n<p>Bu iki ihtimalin yan\u0131 s\u0131ra T\u00fcrkiye\u2019den temin etti\u011finiz kart\u0131 yurt d\u0131\u015f\u0131nda kullanman\u0131zla birlikte ortaya \u00e7\u0131kabilecek bir\u00e7ok can s\u0131k\u0131c\u0131 ihtimal s\u00f6z konusu olabilir. Atm\u2019den para \u00e7ekmek istedi\u011finizde hem kur fark\u0131ndan dolay\u0131 hem de atm\u2019sini kulland\u0131\u011f\u0131n\u0131z bankan\u0131n ald\u0131\u011f\u0131 bir komisyon \u00f6demeniz gerekebilir.&nbsp;<\/p>\n\n\n\n<p><strong>Yurt d\u0131\u015f\u0131nda uluslararas\u0131 banka kart\u0131 kullanmak<\/strong>, s\u00fcrpriz ve y\u00fcksek \u00fccretlerle kar\u015f\u0131la\u015fma ihtimalinizi ortadan kald\u0131r\u0131r. Bu nedenle yurt d\u0131\u015f\u0131na e\u011fitim, <a href=\"https:\/\/yurtdisindayiz.com\/erasmus-ne-kadara-mal-olur\/\">Erasmus<\/a>, i\u015f veya turizm amac\u0131yla giden ya da yurt d\u0131\u015f\u0131na ta\u015f\u0131nan ki\u015filerin al\u0131\u015fveri\u015flerini daha tasarruflu yapabilmeleri i\u00e7in uluslararas\u0131 bir banka kart\u0131 edinmesi avantajl\u0131 olabilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"nedir\">Uluslararas\u0131 Banka Kart\u0131 Nedir?<\/h2>\n\n\n\n<p><strong>Uluslararas\u0131 banka kartlar\u0131, harcamalar\u0131n\u0131z\u0131 d\u00f6viz cinsinden yapman\u0131za f\u0131rsat tan\u0131yan ve yurt d\u0131\u015f\u0131nda kullan\u0131labilen kartlard\u0131r.<\/strong> Bu t\u00fcr kartlar birikimlerinizi d\u00f6viz cinsinden yapabildi\u011finiz banka hesaplar\u0131na ba\u011fl\u0131 olduklar\u0131 i\u00e7in d\u00f6viz \u00e7evrim \u00fccreti ve y\u00fcksek komisyon olmaks\u0131z\u0131n harcama yapmay\u0131 sa\u011flar.<\/p>\n\n\n\n<p>Konaklama, yemek, al\u0131\u015fveri\u015f gibi temel harcamalar i\u00e7in uluslararas\u0131 bir banka kart\u0131na ihtiya\u00e7 duyulur. Ayr\u0131ca <strong>ba\u011fl\u0131 olduklar\u0131 banka hesaplar\u0131nda d\u00f6viz tutulabilen bu kartlar, kullan\u0131c\u0131lar\u0131n <a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-atmden-para-cekme\/\">yurt d\u0131\u015f\u0131ndaki ATM\u2019lerden nakit para \u00e7ekebilmesine<\/a> imkan tan\u0131r.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uluslararas-banka-kartlar-neler-sunar\">Uluslararas\u0131 Banka Kartlar\u0131 Neler Sunar?<\/h3>\n\n\n\n<p>G\u00fcnl\u00fck hayat\u0131m\u0131z\u0131n bir par\u00e7as\u0131 olan ve asl\u0131nda olduk\u00e7a kullan\u0131\u015fl\u0131 olan banka kartlar\u0131, \u00e7o\u011funlukla yerel kullan\u0131m amac\u0131na y\u00f6nelik piyasaya sunulur. Bu, yurt d\u0131\u015f\u0131na seyahat eden ki\u015filerin yerel kartlar\u0131n\u0131 T\u00fcrkiye d\u0131\u015f\u0131nda kullanmalar\u0131 durumunda beklenmedik bir \u00fccretlendirmeyle ve \u00e7e\u015fitli sorunlarla kar\u015f\u0131la\u015fabilecekleri anlam\u0131na gelir.<\/p>\n\n\n\n<p>Yerel bir banka kart\u0131n\u0131 yurt d\u0131\u015f\u0131nda kullanman\u0131n getirdi\u011fi en b\u00fcy\u00fck sorun, kullan\u0131lan hesab\u0131n temel para biriminden (\u00f6rne\u011fin, TL) farkl\u0131 bir para birimiyle \u00f6deme yaparken (\u00f6rne\u011fin, USD) meydana gelen d\u00f6viz al\u0131\u015f sat\u0131\u015f farklar\u0131d\u0131r. Bir\u00e7ok banka, o bankada bir <a href=\"https:\/\/yurtdisindayiz.com\/turkiyede-dolar-hesabi-acmak\/\">dolar hesab\u0131<\/a> veya <a href=\"https:\/\/yurtdisindayiz.com\/turkiyede-euro-hesabi-acmak\/\">euro hesab\u0131<\/a>n\u0131z olsa bile, bu hesaplardan yurtd\u0131\u015f\u0131nda para \u00e7ekmenize olanak sa\u011flamayabilir. Bankalar, piyasadaki kurdan farkl\u0131 olarak bu i\u015flemleri kendi belirledikleri kur oranlar\u0131yla ana TL hesab\u0131n\u0131zdan ger\u00e7ekle\u015ftirebilir.&nbsp;<\/p>\n\n\n\n<p><strong>Uluslararas\u0131 banka kartlar\u0131 ise farkl\u0131 para birimlerinde harcama yapan kullan\u0131c\u0131lar\u0131n ihtiya\u00e7lar\u0131na odaklan\u0131r.<\/strong> Bu kartlar, yeni nesil bankalar taraf\u0131ndan i\u015f ya da e\u011flence amac\u0131yla k\u0131sa s\u00fcreli \u00fclke d\u0131\u015f\u0131nda bulunmas\u0131 gereken ki\u015filer ile kal\u0131c\u0131 olarak yurt d\u0131\u015f\u0131na ta\u015f\u0131nanlar\u0131n ihtiya\u00e7lar\u0131 d\u00fc\u015f\u00fcn\u00fclerek geli\u015ftirilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"avantajlar\">Uluslararas\u0131 Banka Kartlar\u0131n\u0131n Avantajlar\u0131<\/h3>\n\n\n\n<p>Uluslararas\u0131 banka kartlar\u0131n\u0131n kullan\u0131c\u0131lar\u0131na sundu\u011fu en b\u00fcy\u00fck be\u015f avantaj \u015f\u00f6yledir:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Yabanc\u0131 para birimleriyle al\u0131\u015fveri\u015f yapabilirsiniz:<\/strong> Do\u011frudan Dolar ve Euro gibi bir\u00e7ok \u00fclkede yayg\u0131n olarak kullan\u0131lan para birimleriyle al\u0131\u015fveri\u015f yapabilirsiniz. Uluslararas\u0131 banka kartlar\u0131 yerel para birimlerine ait banka kartlar\u0131yla \u00e7ok benzerdir ve harcamalar\u0131n\u0131z hesap bakiyenizden d\u00fc\u015f\u00fcl\u00fcr.<\/li><li><strong>D\u00f6viz kurundaki dalgalanmalara kar\u015f\u0131 korunursunuz<\/strong>: Harcama yapt\u0131\u011f\u0131n\u0131z para birimi de\u011fer kazan\u0131yorsa ya da \u00f6deme yapt\u0131\u011f\u0131n\u0131z para birimi de\u011fer yitiriyorsa al\u0131\u015fveri\u015flerinizde daha fazla \u00f6deme yapman\u0131z gerekir. Oysa uluslararas\u0131 banka kartlar\u0131 yabanc\u0131 para birimlerinde bakiye tutman\u0131z\u0131, yani \u00f6nceden d\u00f6viz alman\u0131z\u0131, hesab\u0131n\u0131zda tutman\u0131z\u0131 ve ihtiyac\u0131n\u0131z olunca harcayabilmenizi sa\u011flar.<\/li><li><strong>Y\u00fcksek \u00fccretler \u00f6demezsiniz:<\/strong> Yerel banka kartlar\u0131yla d\u00f6viz \u00f6demelerinde y\u00fcksek \u00fccretler s\u00f6z konusu olurken uluslararas\u0131 banka kartlar\u0131yla yap\u0131lan \u00f6demelerde ek komisyonlar ve \u00fccretler s\u00f6z konusu olmaz.<\/li><li><strong>Yurt d\u0131\u015f\u0131nda nakit para \u00e7ekebilirsiniz: <\/strong>Kart\u0131n\u0131zla yurt d\u0131\u015f\u0131ndaki ATM\u2019lerden d\u00f6viz \u00e7ekebilir ve acil ihtiya\u00e7lar\u0131n\u0131z\u0131 nakit parayla kar\u015f\u0131layabilirsiniz.<\/li><li><strong>B\u00fct\u00e7enizi ve g\u00fcvenli\u011finizi y\u00f6netebilirsiniz<\/strong>: Uluslararas\u0131 banka kartlar\u0131 mobil uygulamalar sayesinde kolayl\u0131kla y\u00f6netilebilir. Bu sayede yapt\u0131\u011f\u0131n\u0131z b\u00fct\u00fcn harcamalar\u0131 tek bir ekrandan takip edebilir ve diledi\u011finizde kart\u0131n\u0131z\u0131 kullan\u0131ma kapat\u0131p a\u00e7abilirsiniz.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dikkat\">Yurt D\u0131\u015f\u0131nda Banka Kart\u0131 Kullan\u0131l\u0131rken Dikkat Edilmesi Gerekenler<\/h3>\n\n\n\n<p><strong>Yurt d\u0131\u015f\u0131nda banka kart\u0131 kullanman\u0131n<\/strong> baz\u0131 incelikleri vard\u0131r. Bu detaylara dikkat edilmedi\u011fi takdirde beklenmeyen komisyon \u00fccretleriyle kar\u015f\u0131la\u015f\u0131labilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Nakit \u00e7ekimi yap\u0131lan ATM\u2019lerin ve ma\u011fazalardaki POS cihazlar\u0131n\u0131n, kart\u0131n\u0131z\u0131 sa\u011flayan finansal hizmetler \u015firketiyle (Visa, Mastercard, American Express, Discover vs.) uyumlu olmas\u0131 gerekir. Yoksa kart\u0131n\u0131z \u00e7al\u0131\u015fmayabilir.<\/li><li>ATM\u2019lerden sadece yerel para birimi \u00e7ekilmelidir. Nakit \u00e7ekimi s\u0131ras\u0131nda ATM taraf\u0131ndan sorulan kur d\u00f6n\u00fc\u015f\u00fcm\u00fcyle ilgili sorulara do\u011fru yan\u0131tlar verilmeli ve b\u00f6ylece ATM\u2019nin kur d\u00f6n\u00fc\u015f\u00fcm\u00fc yapmas\u0131n\u0131n ve ek \u00fccret tahsil etmesinin \u00f6n\u00fcne ge\u00e7ilmelidir. Wise kart\u0131n\u0131z var ise <a href=\"https:\/\/wise.com\/tr\/help\/articles\/2977949\/yanl%C4%B1s-kurla-ucretlendirildim\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">yanl\u0131\u015f kurla \u00fccretlendirilmeyi<\/a> \u00f6nlemek ad\u0131na ATM \u00e7evrimi reddedilmelidir.<\/li><li>Bankalar taraf\u0131ndan tahsil edilen i\u015flem \u00fccretleri \u00f6nceden ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/li><li>Yurtd\u0131\u015f\u0131na \u00e7\u0131kmadan \u00f6nce, o \u00fclkede y\u00fcksek komisyon \u00f6demeden kullanabilece\u011finiz atmleri ve bankalar\u0131 ara\u015ft\u0131rman\u0131z faydal\u0131 olabilir.&nbsp;<\/li><li>Kart\u0131n\u0131z hem banka kart\u0131 hem de kredi kart\u0131 olma \u00f6zelli\u011fi ta\u015f\u0131yorsa kredi \u00f6zelli\u011finin devre d\u0131\u015f\u0131 b\u0131rak\u0131lmas\u0131 faydal\u0131 olabilir.&nbsp;<\/li><li>Kart\u0131n\u0131z\u0131n \u00e7al\u0131nmas\u0131 veya kaybolmas\u0131 durumunda, kolayca iptal edebilece\u011finiz ve yenisini sipari\u015f verebilece\u011finiz bir dijital banka se\u00e7meniz, zor durumda kalman\u0131z\u0131 \u00f6nleyebilir.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"basvuru\">Yurt D\u0131\u015f\u0131nda Kullan\u0131labilen Banka Kart\u0131na Nas\u0131l Ba\u015fvurulur?<\/h3>\n\n\n\n<p>Uluslararas\u0131 bir banka kart\u0131 temin etme s\u00fcreci, bankadan bankaya de\u011fi\u015fiklik g\u00f6sterir. Baz\u0131 bankalar \u00e7a\u011fr\u0131 merkezlerinden yap\u0131lan ba\u015fvurular\u0131 kabul ederken baz\u0131 bankalar fiziksel olarak \u015fubelerini ziyaret etmenizi bekler.<\/p>\n\n\n\n<p>Wise gibi yeni nesil finansal teknoloji \u015firketleri ise s\u00fcre\u00e7 tamam\u0131yla internet sitesi ya da mobil uygulama \u00fczerinden ger\u00e7ekle\u015fir:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Bir Wise hesab\u0131 olu\u015fturursunuz.<\/li><li>Wise kart\u0131n\u0131z\u0131 uygulama ya da internet sitesi \u00fczerinden sipari\u015f edersiniz.<\/li><li>Teslim ald\u0131\u011f\u0131n\u0131z kart\u0131 yine uygulama ya da internet sitesi \u00fczerinden etkinle\u015ftirirsiniz.<\/li><\/ol>\n\n\n\n<p>Detayl\u0131 bilgi i\u00e7in: <a href=\"https:\/\/wise.com\/tr\/help\/articles\/2935762\/wise-kart%C4%B1-nas%C4%B1l-al%C4%B1r%C4%B1m?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Wise kart\u0131 nas\u0131l al\u0131r\u0131m? | Wise Yard\u0131m Merkezi<\/a><\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/tr\/multi-currency-account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" class=\"button\">WiSE sitesine git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ucretler\">Uluslararas\u0131 Banka Kart\u0131 \u0130\u015flem \u00dccretleri Nelerdir?<\/h2>\n\n\n\n<p><strong>Uluslararas\u0131 banka kartlar\u0131n\u0131n i\u015flem \u00fccretleri<\/strong>, iki temel masraf kalemiyle belirlenir:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dviz-cevirme-ucreti\">D\u00f6viz \u00e7evirme \u00fccreti<\/h3>\n\n\n\n<p>Para birimleri aras\u0131ndaki d\u00f6n\u00fc\u015f\u00fcmlerde bankalar kendileri i\u00e7in avantajl\u0131 olan \u00f6zel kurlar\u0131 uygular. \u0130lave olarak d\u00f6viz \u00e7evirme \u00fccreti tahsil eder ve baz\u0131 bankalar her bir i\u015fleme komisyon ekler.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/yurtdisindayiz.com\/wise-ucretleri\/\"><strong>Wise \u00fccretleri<\/strong><\/a>, anl\u0131k reel d\u00f6viz kuruyla d\u00f6n\u00fc\u015f\u00fcm yap\u0131l\u0131r ve i\u015flem \u00f6ncesinde kullan\u0131c\u0131 taraf\u0131ndan \u015feffaf bir \u015fekilde g\u00f6r\u00fclebilen bir kur ile \u00fccret tahsil edilir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"para-cekme-ucreti\">Para \u00e7ekme \u00fccreti<\/h3>\n\n\n\n<p>Yayg\u0131n olarak bankalar, ATM&#8217;den para \u00e7ekme i\u015flemlerinde \u00fccret tahsil eder. Bu \u00fccrete ATM taraf\u0131ndan tahsil edilen komisyon \u00fccreti de eklenebilir.<\/p>\n\n\n\n<p>Wise gibi elektronik para kurulu\u015flar\u0131 ise belirli bir tarih i\u00e7inde belirli bir miktara kadar \u00fccretsiz \u00e7ekim yapman\u0131z\u0131 sa\u011flar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cesitler\">Uluslararas\u0131 Banka Kart\u0131 \u00c7e\u015fitleri<\/h2>\n\n\n\n<p>Kredi kart\u0131 ve banka kart\u0131, geleneksel bankac\u0131l\u0131kta en \u00e7ok kullan\u0131lan kartlard\u0131r. Her iki kart t\u00fcr\u00fcn\u00fcn farkl\u0131 avantajlar\u0131 vard\u0131r ancak bu iki kart t\u00fcr\u00fc de yurt d\u0131\u015f\u0131nda kullan\u0131m i\u00e7in geli\u015ftirilmemi\u015ftir.&nbsp;<\/p>\n\n\n\n<p>Yeni nesil bankalar taraf\u0131ndan yurt d\u0131\u015f\u0131nda kullan\u0131m i\u00e7in geli\u015ftirilen debit kartlar, kullan\u0131c\u0131lar\u0131na avantajlar sa\u011flar.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"geleneksel-bankalardan-alnan-debit-kartlar\">Geleneksel Bankalardan Al\u0131nan Debit Kartlar<\/h3>\n\n\n\n<p>T\u00fcrkiye\u2019deki bankalarda hesab\u0131 bulunan ki\u015filer i\u00e7in al\u0131nmas\u0131 olduk\u00e7a kolay kartlard\u0131r. Ziraat, \u0130\u015f Bankas\u0131, Vak\u0131fBank, Garanti, Yap\u0131 Kredi, TEB gibi \u00f6nde gelen bankalar m\u00fc\u015fterilerine uluslararas\u0131 banka kart\u0131 sa\u011flar.<\/p>\n\n\n\n<p>Bankalar\u0131n, kartlar\u0131n yurt d\u0131\u015f\u0131nda kullan\u0131m\u0131 i\u00e7in farkl\u0131 uygulamalar\u0131 olabilir. \u00d6rne\u011fin baz\u0131 bankalar, bir euro hesab\u0131n\u0131z olsa bile yurtd\u0131\u015f\u0131ndan hesab\u0131n\u0131za eri\u015fmenize olanak sa\u011flamayabilir. Baz\u0131 bankalar\u0131n, yurtd\u0131\u015f\u0131ndaki bankalarla anla\u015fmas\u0131 vard\u0131r ve komisyonsuz olarak euro veya dolar hesab\u0131n\u0131zdan para \u00e7ekebilirsiniz. Ancak bu bankalar\u0131n kartlar\u0131yla da genellikle sadece atm\u2019den para \u00e7ekmek m\u00fcmk\u00fcnd\u00fcr, ma\u011fazalarda pos cihazlar\u0131yla ya da online olarak al\u0131\u015fveri\u015f yapman\u0131z m\u00fcmk\u00fcn olmayabilir.&nbsp;<\/p>\n\n\n\n<p>Bu konuda daha ayr\u0131nt\u0131l\u0131 bilgi i\u00e7in bankan\u0131z\u0131n resmi web sitenizi ziyaret etmeniz ya da do\u011frudan temsilcinizle ileti\u015fime ge\u00e7meniz \u00f6nerilir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kredi-kartlar\">Kredi Kartlar\u0131<\/h3>\n\n\n\n<p>T\u00fcrkiye\u2019den al\u0131nan kredi kartlar\u0131 yurt d\u0131\u015f\u0131 al\u0131\u015fveri\u015flerinde genellikle ge\u00e7erlidir. Ancak baz\u0131 bankalar, d\u00f6viz harcamalar\u0131n\u0131 bir s\u00fcre provizyonda bekletebilir ve bu nedenle d\u00f6viz kurundaki dalgalanmadan etkilenme ihtimali olabilir.&nbsp;<\/p>\n\n\n\n<p>Ayr\u0131ca bir\u00e7ok banka, kredi kart\u0131yla yap\u0131lan d\u00f6viz harcamas\u0131n\u0131 Merkez Bankas\u0131 kuruna ek komisyon ekleyerek T\u00fcrk liras\u0131na \u00e7evirir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"elektronik-para-kurulularndan-alnan-debit-kartlar\">Elektronik Para Kurulu\u015flar\u0131ndan Al\u0131nan Debit Kartlar<\/h3>\n\n\n\n<p>Uluslararas\u0131 bir banka kart\u0131 edinmenin uygun ve masrafs\u0131z bir yolu yeni nesil bankalar ve finansal teknoloji \u015firketleridir.<\/p>\n\n\n\n<p>Hem kart sipari\u015fi vermek olduk\u00e7a kolayd\u0131r hem de normal bankalar\u0131n uygulad\u0131\u011f\u0131 masraflar\u0131n b\u00fcy\u00fck bir b\u00f6l\u00fcm\u00fc s\u00f6z konusu olmaz. D\u00f6viz \u00e7evriminde reel d\u00f6viz kuru esas al\u0131nd\u0131\u011f\u0131 i\u00e7in kullan\u0131c\u0131lar, ufak bir i\u015flem \u00fccreti \u00f6deyerek para birimleri aras\u0131nda ge\u00e7i\u015f yapabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wise-kart\">Yurt D\u0131\u015f\u0131nda Wise Kart Kullanmak<\/h2>\n\n\n\n<p>Wise kart, <a href=\"https:\/\/yurtdisindayiz.com\/wise-coklu-doviz-hesabi-incelemesi\/\">Wise \u00e7oklu d\u00f6viz hesab\u0131<\/a>na ba\u011fl\u0131d\u0131r. Bu sayede 200\u2019den fazla \u00fclkede ve 150\u2019den fazla para biriminde yerel kurla ve d\u00fc\u015f\u00fck masraflarla \u00f6deme yap\u0131labilir.<\/p>\n\n\n\n<p>Hen\u00fcz T\u00fcrkiye\u2019de ba\u015fvuru kabul edilmese de Wise kart, T\u00fcrkiye\u2019deki harcamalarda kullan\u0131labilir ve yurt d\u0131\u015f\u0131na \u00e7\u0131kan veya ta\u015f\u0131nan T\u00fcrk vatanda\u015flar\u0131 taraf\u0131ndan da gittikleri \u00fclkelerde temin edilebilir.&nbsp;<\/p>\n\n\n\n<p>Wise taraf\u0131ndan sunulan debit kart\u0131 daha detayl\u0131 a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z ilgili makalemizi inceleyebilirsiniz: <a href=\"https:\/\/yurtdisindayiz.com\/wise-debit-kart-incelemesi\/\"><strong>Wise Debit Kart \u0130ncelemesi<\/strong><\/a>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wise-kartn-avantajlar\">Wise Kart\u2019\u0131n Avantajlar\u0131<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>T\u00fcrkiye\u2019de ve <strong>200\u2019den fazla \u00fclkede<\/strong> ge\u00e7erlidir. Visa\u2019n\u0131n ge\u00e7erli oldu\u011fu her yerde kullan\u0131labilir.&nbsp;<\/li><li><strong>Kart kullan\u0131m \u00fccreti, bak\u0131m \u00fccreti, abonelik bedeli, transferlerden al\u0131nan gizli kesintiler<\/strong> gibi pek de \u015feffaf olmayan \u00fccretler s\u00f6z konusu olmaz.<\/li><li>Mobil uygulama \u00fczerinden kontrol edilebilir, s\u0131n\u0131rland\u0131r\u0131labilir ve <strong>\u00e7al\u0131nma gibi durumlarda kolayl\u0131kla iptal edilebilir<\/strong>, hemen yenisi sipari\u015f edilebilir.&nbsp;<\/li><li>B\u00fct\u00fcn harcamalar <strong>mobil uygulama \u00fczerinden<\/strong> takip edilebilir.<\/li><li>Harcama yap\u0131lan yerel para birimi Wise hesab\u0131nda bulunmuyorsa <strong>d\u00fc\u015f\u00fck komisyon<\/strong> \u00fczerinden otomatik \u00e7evrim yap\u0131l\u0131r ve \u00f6demeniz, sahip oldu\u011funuz para birimiyle en uygun \u015fekilde tamamlan\u0131r.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wise-kartn-dezavantajlar\">Wise Kart\u2019\u0131n Dezavantajlar\u0131<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>\u0130lk sipari\u015fte <strong>tek seferlik kart \u00fccreti<\/strong> \u00f6denir. Kart \u00fccreti, sipari\u015f verilen \u00fclkeye g\u00f6re de\u011fi\u015fkenlik g\u00f6sterebilir.&nbsp;<\/li><li>Karta, nakit ya da \u00e7ekle para ekleme se\u00e7ene\u011fi yoktur.<\/li><li>Kredi kart\u0131 \u00f6zelli\u011fi bar\u0131nd\u0131rmaz.<\/li><li>G\u00fcnl\u00fck ve ayl\u0131k harcama limitleri s\u00f6z konusudur.<\/li><\/ul>\n\n\n\n<center><a href=\"https:\/\/wise.com\/tr\/multi-currency-account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" class=\"button\">WiSE sitesine git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wise-kart-ucretleri\">Wise Kart \u00dccretleri<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th scope=\"col\"><strong>Hizmet<\/strong><\/th><th scope=\"col\"><strong>Wise taraf\u0131ndan uygulanan \u00fccret<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Tek seferlik kart sipari\u015f \u00fccreti<\/td><td>ABD: 9 USD, Kanada: \u00dccretsiz, Almanya: 8 EUR, Fransa: 7 EUR ve <a href=\"https:\/\/wise.com\/tr\/pricing\/card-fees?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">di\u011fer \u00fclkeler i\u00e7in t\u0131klay\u0131n\u0131z<\/a>.<\/td><\/tr><tr><td>Yenileme \u00fccreti<\/td><td>S\u00fcresi dolan kart i\u00e7in \u00fccretsiz.<\/td><\/tr><tr><td>Hesapta bulunan d\u00f6viz kurlar\u0131n\u0131n harcanmas\u0131&nbsp;<\/td><td>\u00dccretsiz<\/td><\/tr><tr><td>Hesapta bulunmayan bir para biriminin harcanmas\u0131<\/td><td>Wise, paran\u0131z\u0131 en uygun piyasa d\u00f6viz kuru \u00fczerinden otomatik d\u00f6n\u00fc\u015ft\u00fcr\u00fcr.<\/td><\/tr><tr><td>100 USD veya 200 euro\u2019ya kadar ilk 2 ATM \u00e7ekimi<\/td><td>\u00dccretsiz<\/td><\/tr><tr><td>100 USD veya 200 euro \u00fczerindeki para \u00e7ekimleri<\/td><td>Amerika i\u00e7in \u0130\u015flem ba\u015f\u0131 1.5 USD + \u00e7ekim miktar\u0131n\u0131n %2\u2019si; Avrupa i\u00e7in \u0130\u015flem Ba\u015f\u0131 0.5 Euro + \u00e7ekim miktar\u0131n\u0131n %1.75&#8217;i.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Wise \u00fczerinden ger\u00e7ekle\u015ftirece\u011finiz para transferlerinin ve di\u011fer i\u015flemlerin \u00fccretlerini \u00f6\u011frenmek i\u00e7in \u015fu makalemize g\u00f6z atabilirsiniz: <a href=\"https:\/\/yurtdisindayiz.com\/wise-ucretleri\/\">Wise ile Para Transferi ve \u0130\u015flem \u00dccretleri<\/a><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"271\" src=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/08\/wise-debit-kart-incelemesi-1.jpg\" alt=\"\" class=\"wp-image-5826\" srcset=\"https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/08\/wise-debit-kart-incelemesi-1.jpg 600w, https:\/\/yurtdisindayiz.com\/wp-content\/uploads\/2022\/08\/wise-debit-kart-incelemesi-1-300x136.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"wise-kart-ile-atmden-para-cekmek\">Wise Kart ile ATM\u2019den Para \u00c7ekmek<\/h3>\n\n\n\n<p>Wise kart kullan\u0131c\u0131lar\u0131 200\u2019den fazla \u00fclkedeki ATM\u2019lerden <strong>ayda 200 Euro\u2019ya kadar<\/strong> hi\u00e7bir komisyon ve i\u015flem \u00fccreti \u00f6demeden para \u00e7ekebilir. Wise kart\u0131 kullanabilece\u011finiz \u00fclkeleri incelemek i\u00e7in <a href=\"https:\/\/wise.com\/tr\/help\/articles\/2935771\/wise-kart%C4%B1m%C4%B1-nerede-kullanabilirim?origin=topic-6Tme4V2z9ONNzQMeqJpcVi?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Wise kart\u0131m\u0131 nerede kullanabilirim?<\/a> Ba\u015fl\u0131kl\u0131 makaleyi inceleyebilirsiniz.<\/p>\n\n\n\n<p>Wise kart ile ATM \u00e7ekim limitleri \u015f\u00f6yledir:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>AB kart sahipleri i\u00e7in<\/strong>: Tek \u00e7ekim 1.000, g\u00fcnl\u00fck 1.500 ve ayl\u0131k 3.000&nbsp;<\/li><li><strong>Avustralya, Yeni Zelanda ve Singapur kart sahipleri i\u00e7in<\/strong>: Tek \u00e7ekim 1.750, g\u00fcnl\u00fck 2.700 ve ayl\u0131k 5.250<\/li><li><strong>ABD kart sahipleri i\u00e7in: <\/strong>Tek \u00e7ekim 250, g\u00fcnl\u00fck 250, ayl\u0131k 1.500<\/li><\/ul>\n\n\n\n<p><em>* Miktarlar yerel para birimlerini ifade eder.<\/em><br><em>** Limitler kullan\u0131c\u0131lar taraf\u0131ndan belirli miktarda artt\u0131r\u0131labilir.<\/em>&nbsp;<\/p>\n\n\n\n<p>Detayl\u0131 bilgi i\u00e7in: <a href=\"https:\/\/wise.com\/tr\/help\/articles\/2899986\/harcama-limitlerim-nedir\">Wise kart i\u00e7in harcama limitleri nelerdir?<\/a><\/p>\n\n\n\n<p>D\u00fcnyan\u0131n her yerindeki ATM\u2019lerden uygun komisyonlarla para \u00e7ekmek i\u00e7in dakikalar i\u00e7inde Wise hesab\u0131n\u0131z\u0131 olu\u015fturabilir ve Wise karta ba\u015fvuru yapabilirsiniz.<\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/tr\/multi-currency-account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" class=\"button\">WiSE sitesine git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"yurt-dnda-uluslararas-banka-kart-kullanmann-faydalar\">Yurt D\u0131\u015f\u0131nda Uluslararas\u0131 Banka Kart\u0131 Kullanman\u0131n Faydalar\u0131<\/h2>\n\n\n\n<p>Yeni nesil bankalar taraf\u0131ndan sunulan uluslararas\u0131 banka kartlar\u0131, yurt d\u0131\u015f\u0131nda harcama yapman\u0131n d\u00fc\u015f\u00fck masrafl\u0131 bir yoludur.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Yerel para biriminde ve uygun d\u00f6viz kuru garantisiyle al\u0131\u015fveri\u015f yapman\u0131z\u0131 sa\u011flar.<\/li><li>Paran\u0131z\u0131 dezavantajl\u0131 kurlar yerine piyasadaki reel kur \u00fczerinden d\u00f6n\u00fc\u015ft\u00fcrmenizi sa\u011flar.<\/li><li>200\u2019den fazla \u00fclkede ATM\u2019lerden yerel para biriminde \u00e7ekim yapman\u0131za imkan tan\u0131r.<\/li><li>Kart\u0131n\u0131z\u0131 mobil uygulama \u00fczerinden y\u00f6netmek, kullan\u0131ma kapatmak ve a\u00e7mak kolay oldu\u011fu i\u00e7in seyahatlerde alternatif y\u00f6ntemlere k\u0131yasla en g\u00fcvenli se\u00e7enektir.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sonuc\">Sonu\u00e7:&nbsp;<\/h2>\n\n\n\n<p>Yurt d\u0131\u015f\u0131 seyahatlerinde ve yurt d\u0131\u015f\u0131na yerle\u015firken ara\u015ft\u0131r\u0131lmas\u0131 gereken en \u00f6nemli konular\u0131n ba\u015f\u0131nda yurt d\u0131\u015f\u0131nda kullan\u0131labilen banka kartlar\u0131 gelir. Daha tasarruflu davranabilmek i\u00e7in bu kartlar\u0131n hangi \u015fartlarda kullan\u0131labilece\u011fini ve nas\u0131l \u00fccretlendirildi\u011fini anlamak \u00e7ok \u00f6nemlidir.<\/p>\n\n\n\n<p>Wise, uluslararas\u0131 para transferlerinde ve harcamalarda \u015feffafl\u0131\u011f\u0131 sa\u011flamak ve gizli \u00fccretleri ortadan kald\u0131rmay\u0131 hedefler. Transferler ba\u015flat\u0131lmadan \u00f6nce kullan\u0131lacak d\u00f6viz kuru, transfer \u00fccreti ve al\u0131c\u0131ya ula\u015facak net miktar g\u00f6r\u00fclebilir.&nbsp;<\/p>\n\n\n\n<p>Ayn\u0131 \u015fekilde bir finansal teknoloji \u015firketi olarak Wise, uluslararas\u0131 banka kart\u0131 ve di\u011fer uygulamalar\u0131yla kullan\u0131c\u0131lar\u0131na hesaplar\u0131n\u0131 g\u00fcvenle y\u00f6netme f\u0131rsat\u0131 verir. \u00c7al\u0131nma ve kaybolma durumlar\u0131nda Wise kart\u0131 mobil uygulama \u00fczerinden k\u0131sa s\u00fcrede iptal edebilirsiniz.<\/p>\n\n\n\n<p>A\u015fa\u011f\u0131daki butona t\u0131klayarak \u00fccretsiz olarak bir Wise hesab\u0131 a\u00e7abilirsiniz:<\/p>\n\n\n\n<center><a href=\"https:\/\/wise.com\/tr\/multi-currency-account\/?utm_medium=affiliate&amp;utm_source=yurtdisindayiz&amp;utm_campaign=guide&amp;utm_content=yurtdisinda_banka_karti_kullanimi\" class=\"button\">WiSE sitesine git<\/a><\/center>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sss\">SSS<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uluslararas-banka-kart-nedir\">Uluslararas\u0131 banka kart\u0131 nedir?<\/h3>\n\n\n\n<p>Yurt d\u0131\u015f\u0131nda d\u00f6viz harcamas\u0131 yapmak ve ATM\u2019lerden para \u00e7ekmek i\u00e7in kullan\u0131lan debit kartlara uluslararas\u0131 banka kart\u0131 denir.<\/p>\n\n\n\n<p>Uluslararas\u0131 banka kartlar\u0131n\u0131n yerel kartlardan en \u00f6nemli fark\u0131, do\u011frudan d\u00f6viz hesaplar\u0131na ba\u011fl\u0131 olmalar\u0131 ve bu hesaplardan harcama yapman\u0131za olanak sa\u011flamalar\u0131d\u0131r.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uluslararas-banka-kart-nasl-alnr\">Uluslararas\u0131 banka kart\u0131 nas\u0131l al\u0131n\u0131r?<\/h3>\n\n\n\n<p>Uluslararas\u0131 banka kartlar\u0131na ba\u015fvuru s\u00fcreci bankalara g\u00f6re de\u011fi\u015fiklik g\u00f6sterir. Baz\u0131 bankalar uluslararas\u0131 banka kart\u0131 ba\u015fvurusu i\u00e7in \u015fube ziyaretini gerekli k\u0131larken baz\u0131 bankalar m\u00fc\u015fteri hizmetleri \u00fczerinden ba\u015fvurular\u0131 da kabul eder. Yeni nesil bankalarda ise ba\u015fvurular\u0131 tamamen online olarak kolayca yap\u0131labilir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"banka-kartm-yurt-dnda-nasl-kullanabilirim\">Banka kart\u0131m\u0131 yurt d\u0131\u015f\u0131nda nas\u0131l kullanabilirim?<\/h3>\n\n\n\n<p>Banka kartlar\u0131n\u0131n yurt d\u0131\u015f\u0131nda kullan\u0131labilmesi i\u00e7in \u00f6ncelikle m\u00fc\u015fterinin talebi \u00fczerine yurt d\u0131\u015f\u0131 kullan\u0131m\u0131na a\u00e7\u0131lmalar\u0131 gerekir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uluslararas-banka-kart-ucretleri-nelerdir\">Uluslararas\u0131 banka kart\u0131 \u00fccretleri nelerdir?<\/h3>\n\n\n\n<p>\u0130lk ba\u015fvuru ve kart temini genellikle \u00fccretsizdir. Ancak makalemizde de bahsetti\u011fimiz \u00fczere kullan\u0131c\u0131lar\u0131n y\u0131ll\u0131k kart \u00fccretleri ve i\u015flem \u00fccretleri konusunda bilin\u00e7li olmas\u0131 gerekir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"erasmus-icin-euro-hesab-nasl-aclr\">Erasmus i\u00e7in Euro Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?<\/h3>\n\n\n\n<p>Erasmus program\u0131 kapsam\u0131nda Avrupa\u2019ya giden \u00f6\u011frencilerin hangi bankada Euro hesab\u0131 a\u00e7mas\u0131 gerekti\u011fi, \u00fcniversitelerine g\u00f6re de\u011fi\u015fiklik g\u00f6sterir.<\/p>\n\n\n\n<p>Euro banka hesab\u0131 a\u00e7\u0131l\u0131\u015f\u0131 konusunda daha fazla bilgiyi \u015fu makalemizde bulunabilirsiniz: <a href=\"https:\/\/yurtdisindayiz.com\/erasmus-banka-hesabi-ve-hibeyi-cekmek-icin-yontemler\/\">Erasmus Banka Hesab\u0131 ve Hibeyi \u00c7ekmek i\u00e7in Y\u00f6ntemler<\/a>.&nbsp;<\/p>\n\n\n\n<p>Ayr\u0131ca <a href=\"https:\/\/yurtdisindayiz.com\/erasmus-ne-kadara-mal-olur\/\">Erasmus ne kadara mal olur?<\/a> Yaz\u0131m\u0131z da ilgilinizi \u00e7ekebilir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"yurtdnda-hangi-atmlerden-para-cekilir\">Yurtd\u0131\u015f\u0131nda hangi ATM&#8217;lerden para \u00e7ekilir?<\/h3>\n\n\n\n<p>Baz\u0131 bankalar, baz\u0131 \u00fclkelerdeki kurumlarla yapt\u0131klar\u0131 anla\u015fmalar \u00e7er\u00e7evesinde m\u00fc\u015fterilerine belirli \u00fclkelerde \u00fccretsiz para \u00e7ekme imkan\u0131 sunabilir. Ayr\u0131ca Wise kart kullan\u0131c\u0131lar\u0131 yurt d\u0131\u015f\u0131nda ayda 200 Euro\u2019ya kadar \u00fccretsiz para \u00e7ekimi yapabilir.<\/p>\n\n\n\n<p>Yurt d\u0131\u015f\u0131nda ATM kullan\u0131m\u0131yla ilgili daha fazla bilgi i\u00e7in \u015fu yaz\u0131m\u0131za g\u00f6z atabilirsiniz: <a href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-atmden-para-cekme\/\">Yurtd\u0131\u015f\u0131nda ATM\u2019den Para \u00c7ekme<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"banka-kart-yurt-dna-nasl-aclr\">Banka kart\u0131 yurt d\u0131\u015f\u0131na nas\u0131l a\u00e7\u0131l\u0131r?<\/h3>\n\n\n\n<p>Bu i\u015flem, mobil bankac\u0131l\u0131k ve m\u00fc\u015fteri hizmetleri \u00fczerinden ya da banka \u015fubelerine gidilerek ger\u00e7ekle\u015ftirilebilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yurt d\u0131\u015f\u0131na seyahat etmeyi, farkl\u0131 bir \u00fclkeye ta\u015f\u0131nmay\u0131 veya ba\u015fka bir \u00fclkeden online al\u0131\u015fveri\u015f yapmay\u0131 planl\u0131yor olabilirsiniz. Yurtd\u0131\u015f\u0131nda kullan\u0131rken d\u00f6viz &#8230; <a title=\"Yurt D\u0131\u015f\u0131nda Banka Kart\u0131 Kullan\u0131m\u0131\" class=\"read-more\" href=\"https:\/\/yurtdisindayiz.com\/yurtdisinda-banka-karti-kullanimi\/\" aria-label=\"More on Yurt D\u0131\u015f\u0131nda Banka Kart\u0131 Kullan\u0131m\u0131\">Devam\u0131 \u0130\u00e7in<\/a><\/p>\n","protected":false},"author":8,"featured_media":5916,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yurtdisinda-yasamak","resize-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Yurtd\u0131\u015f\u0131nda Banka Kart\u0131 Kullan\u0131m\u0131 | Yurtd\u0131\u015f\u0131nday\u0131z<\/title>\n<meta name=\"description\" content=\"Yurtd\u0131\u015f\u0131na seyahat etmeyi veya ta\u015f\u0131nmay\u0131 m\u0131 planl\u0131yorsunuz? 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