Hayat Finans review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Hayat Finans is the card brand of the Turkish bank Hayat Finans Katilim Bankasi A.S., offering debit and credit cards. It suits customers in Turkey who want no annual fee, free ATM withdrawals, a virtual card and borrowing at an APR of 3.25% to 4.25%.
Key facts
- Best for
- A fee-free bank card in Turkey with a cheap credit rate.
- Free ATM withdrawals
- TRY 0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Hayat Finans Katilim Bankasi A.S. (Source, checked September 26, 2026)
- Headquarters
- Turkey (Source, checked September 26, 2026)
- Founded
- 2022 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card
- Official website
- hayatfinans.com.tr
Credit cards
- Annual fee
- TRY 0 (Source, checked September 26, 2026)
- APR
- 3.25% to 4.25% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Hayat Finans Katilim Bankasi A.S. (Source, checked September 26, 2026)
- Headquarters
- Turkey (Source, checked September 26, 2026)
- Founded
- 2022 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Virtual card
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
Pros and cons
Pros
- Borrowing at an APR of 3.25% to 4.25%, well under the site median of 20.97%, makes the credit card the cheaper side of the range.
- No annual fee, TRY 0, so holding the card costs nothing.
- A virtual card is part of the range, virtual card, so there is a card for online spending as well as the physical one.
Cons
- The free ATM allowance is TRY 0, so no cash withdrawals come included with the card.
- The card is a debit card from a bank based in Turkey, so the offer serves a single market rather than foreign spending.
- Support runs on phone, email and help centre with no live chat listed among the channels.
Who it suits
- Customers in TR who want a bank debit card with no annual fee.
- Borrowers who can clear a credit card balance each month at 3.25% to 4.25%.
- Anyone who prefers a named bank counterparty, Hayat Finans Katilim Bankasi A.S., founded in 2022.
Who should look elsewhere
- Travellers who want cash included: Wise lists £250 in free withdrawals against TRY 0 here.
- People who want the card in more than a single market, since the bank is based in Turkey and the range is built there.
How Hayat Finans compares
8.5 vs 9.4
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8.5 vs 8.0
8.5 vs 8.0
Where Hayat Finans is available
- Available
- Turkey
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Hayat Finans card cost to keep?+
The annual fee is TRY 0, so the card runs on a model with no annual fee. Cash is the place to watch: the free ATM allowance is TRY 0, so nothing is covered for withdrawals and the card earns its keep on everyday spending instead.
Does Hayat Finans lend, and what does the credit card cost?+
It does. The card kind is credit, credit, and the APR runs 3.25% to 4.25%, which sits under the site median of 20.97%. A borrowing rate that low in lira terms makes the credit card the cheaper side of the range for anyone who clears the balance each month.
Is there a virtual card?+
Card features list a virtual card, virtual card, and the card on offer is a debit card, debit. Read together they point to a debit account with a virtual card for online spending added on, rather than a prepaid or top-up product. Anyone who shops mostly online should look at the virtual option first.
Who runs the account?+
The account is held with Hayat Finans Katilim Bankasi A.S., Hayat Finans Katilim Bankasi A.S., a bank founded in 2022 and based in Turkey. Your money sits with the bank itself rather than a separate payments firm, which is worth knowing when you compare a bank card with an e-money account.
How do I reach support?+
Support runs on phone, email and help centre, so a phone line, email and a help centre are all available. That is a wider set than a chat-only helpdesk, and it suits customers who would rather call a bank in hours than work through an app.
How does the free ATM allowance compare?+
The free ATM allowance here is TRY 0, so cash withdrawals are not included. Wise lists £250, Starling Personal Account Debit Card lists £0 and Upgrade OneCard lists $0, so only Wise brings a meaningful cash allowance to this list.
Is a fee-free card normal on this site?+
Yes on price. The site median annual fee is €0 and Hayat Finans sits at TRY 0, so it matches the cheapest end of the market. The ranking that does not flatter it is cash: it places 41 out of 115 on free ATM withdrawals.
Who should pick this card?+
Readers in TR who want a bank card with no annual fee, a virtual card and a credit option at 3.25% to 4.25%. It is a poor fit for anyone whose main spend is foreign currency or cash, because the free ATM allowance is TRY 0 and the range is built for a single market.
Sources
- hayatfinans.com.tr/en/cards checked September 26, 2026
Backs: Card type, Features
“Debit cards for physical and virtual purchases”
- hayatfinans.com.tr/en/contact-us checked September 26, 2026
Backs: Support channels
“Phone: 444 4 988, Support Center, Contact Form available”
- hayatfinans.com.tr/en/corporate-information checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Registration Date: 10.08.2022”
- hayatfinans.com.tr/en/product-and-service-fees checked September 26, 2026
Backs: Annual fee, APR, Card kind, Pricing model
“No annual membership or maintenance fees specified for credit cards”
- hayatfinans.com.tr/urun-ve-hizmet-ucretleri checked September 26, 2026
Backs: Free ATM withdrawals
“Affiliated bank ATMs: Free for balance inquiries, withdrawals, and deposits”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.