Türkiye has introduced key changes in its financial regulations for 2025, affecting both how much cash you can withdraw from ATMs and how much you can legally pay in cash. These updates aim to modernize the country’s banking system, support digital payments, and improve economic transparency.

Here’s everything you need to know about the new limits and how they may affect you.

1. Increased ATM Withdrawal Limits

To adapt to inflation and growing consumer needs, Turkish banks have raised the daily ATM withdrawal limits:

• The standard withdrawal limit is now between ₺15,000 and ₺20,000, depending on the bank.

• Users withdrawing cash via QR codes through mobile banking apps also benefit from similar or higher limits.

• Some private banks offer personalized limits for premium customers, which may exceed ₺20,000 per day.

✅ Tip: Check with your bank to confirm your specific limit, especially if you’re a business owner or frequent traveler.

2. ATM Banknote Denomination Changes

With these higher limits, ATMs in Türkiye have also adjusted the denominations of cash dispensed:

• ₺10 and ₺20 notes have been removed from most ATMs.

• Some banks are also phasing out ₺50 and ₺100 notes.

• ₺200 banknotes are now the primary denomination used in machines.

While this increases ATM efficiency and reduces the need for frequent refills, it can make it harder to get small change for daily expenses.

🪙 For smaller bills, consider visiting a bank branch or currency exchange office.

3. New Cash Payment Limit: Now ₺30,000

One of the most significant regulatory changes in 2025 is the increase in the legal cash payment ceiling:

• The cash payment limit is now ₺30,000 for any single transaction.

• This applies to both individuals and businesses.

• Transactions above ₺30,000 must be conducted via bank transfer, credit/debit card, or other non-cash methods.

This adjustment reflects rising costs and inflation while maintaining efforts to track large financial transactions and discourage the shadow economy.

💼 For businesses, adhering to this limit is essential to avoid penalties and maintain tax compliance.

4. What It Means for Residents, Expats, and Tourists

Residents & Expats

• Easier access to larger amounts of cash when needed.

• The higher cash payment ceiling allows for more flexibility when buying furniture, electronics, or making large purchases.

• Keep in mind: high-value purchases should still be traceable for legal and tax reasons.

Tourists

• Expect to receive ₺200 bills at ATMs — try to break them at large retailers or supermarkets.

• Consider carrying a card or mobile wallet, especially in cities where contactless payments are widely accepted.

• If paying for high-cost tours, jewelry, or services, you can now use up to ₺30,000 in cash if needed.

5. Best Practices for Managing Cash in Türkiye

To make the most of the updated system:

• Break larger bills early at major retail stores or currency exchange points.

• Use mobile banking to monitor daily limits and make quick transfers when cash isn’t accepted.

• Plan your payments — large transactions can still be made in cash, but electronic options offer better traceability and safety.

• Stay compliant — if you’re a business owner, ensure your invoices and receipts reflect payment methods properly.

Final Thoughts

The 2025 changes to Türkiye’s cash withdrawal and payment rules offer greater flexibility for individuals and businesses, while continuing to steer the economy toward transparency and digital adoption. With daily withdrawal limits increased and the cash payment ceiling raised to ₺30,000, residents and visitors alike can enjoy more convenience—provided they adapt to the shift toward larger denominations and smarter financial management.

By understanding these changes and adjusting your payment habits accordingly, you’ll navigate Türkiye’s evolving banking landscape with confidence.