Request pool
See requests left by borrowers, take the ones that fit and contact the customer directly.
More than
a calculator. For everyone.
Enter an amount and a term: your instalment, your total cost and your whole payment plan, right away. If you are a banker, send the result to your customer in one tap; if you are shopping for a loan, know exactly what you will pay before you sign.
Bankacı is an iOS and Android loan calculation app for bankers and for people looking for a loan in Türkiye. The standard fixed-instalment plan for personal, vehicle, housing and business loans is free, and so are the deposit, overdraft (KMH) and prepayment calculators. The other six payment plans, PDF export, mortgage refinancing, the banker's request tools and an ad-free app come with Bankacı Premium. KrediBul is Bankacı's loan marketplace: a borrower leaves a request with one form, free of charge, and bankers follow the requests in Bankacı.
In the 12 October 2026 read, the monthly rates banks publish on their own pages are 2.84% to 5.99% on a personal loan (19 banks) and 2.88% to 4.03% on a housing loan (7 banks). In the 12 – 13 October 2026 read, across the daily-earning accounts of 16 banks, the first-day real gross rate on ₺1,000,000 runs from 6.3% to 40.5%.
The marketplace connecting borrowers with bankers.
KrediBul is the loan marketplace by Bankacı. Borrowers share their needs with a single form; bankers follow requests in Bankacı and publish their own campaigns.
What do you need?
Fill these in and leave your request.
Enter an amount and a term and we will estimate the instalment.
Leave a request with theseBanker campaigns
Publish a time-limited loan campaign and receive applications straight in your inbox.
Request workspace
Calculation history, shares and private notes for every request.
Featured campaigns
AnadolubankDeposit
Up to 44% interest on Renkli Hesap
The up-to-44% rate is only for customers who join by video call in Anadolubank Mobil; an account opened with the online application form gets up to 43%. The welcome rate is variable and lasts 90 days, after which a continuing rate based on the balance applies. A TL account needs at least 8,500 TL to earn interest, and no interest is paid on the demand-deposit floor.
Terms and applications are on the Anadolubank website.
Details
AnadolubankBusiness loan
Up to 1,000,000 TL Digital Ready Credit Package for sole proprietors
Sole proprietors with no Anadolubank account yet can become customers by video call in Anadolubank Mobil, without visiting a branch. If the package is approved, an instalment business loan, a Business Card and a business overdraft are opened together; the loan runs for at most 12 months. Rates and terms are shown on screen during the application.
Terms and applications are on the Anadolubank website.
DetailsFast loan calculationsStandard fixed-installment planUpfront interest planEqual principal planCustom and balloon payment planGrace period (interest-only) planIncreasing installment planDecreasing installment planSmart payment plan suggestionsDetailed amortization tableMortgage refinancing calculatorDeposit return calculatorOverdraft (KMH) and credit card interestUp-to-date CBRT ratesLoan by affordabilityNotification centerPDF payment scheduleEasy result sharingAd-free Premium experienceSeamless calculations on mobile and webCalculate a loan with SiriAI AssistantiOS and Android
Better prepared for every meeting.
From calculations to customer requests, from payment plans to campaigns — your daily workflow in one app.
Quick start
Personal / business loans
Prepare personal loan scenarios and business loan calculations in a single app.
Where to start
AI Assistant
Describe the customer's case in one sentence; the AI Assistant suggests which calculation and payment plan to start with.
Without opening the app
Calculate with Siri
With Siri set to Turkish, say "Bankacı ile kredi hesapla"; Siri asks for the amount, term and rate and reads out the instalment.
Bank by bank
Bank interest rates
The loan rates banks publish on their own sites; tap one to calculate with it.
Market pulse
Average interest rates
The average rates people entered over the last seven days, which way they moved, and what is being calculated right now, on the home screen.
Flexible options
7 payment plans
Pick from seven payment plan types and calculate in seconds.
Clear results
Detailed calculation
See installments, total repayment, taxes and dates at a glance.
Side by side
Smart plan suggestions
Compare alternative payment plans side by side by cost and installment structure.
Decision support
Mortgage refinancing
Compare the current loan with new financing and estimate the savings.
Affordability
Start from the instalment
Enter what you can pay each month and see the loan amount it buys at your term and rate.
Yield
Deposit calculator
Gross interest, withholding tax and the net amount at maturity, on one screen.
Current rates
Overdraft and credit card
Interest calculations prefilled with CBRT maximum rates, customizable when needed.
Customer flow
Requests
Everything that arrives through your request link in one list, with a notification for each new one. The names are blurred for privacy.
Loan and deposit interest rates
Personal loan
2.84% – 5.99% monthly
Published by 19 banks · as read on 12 October 2026
User average (Personal / vehicle loan): 4.29% monthly
QNB · Alternatif Bank · Burgan Bank (ON) · DenizBank · ING · Anadolubank · Akbank · Enpara · ColendiBank · TEB · Aktif Bank (N Kolay) · VakıfBank · Garanti BBVA · Şekerbank · Ziraat Bankası · Halkbank · Yapı Kredi · Fibabanka · Odeabank
Housing loan
2.88% – 4.03% monthly
Published by 7 banks · as read on 12 October 2026
User average (Housing loan): 3.05% monthly
Yapı Kredi · Ziraat Bankası · QNB · İş Bankası · Akbank · DenizBank · ING
Vehicle loan
3.29% – 6.00% monthly
Published by 10 banks · as read on 12 October 2026
User average (Personal / vehicle loan): 4.29% monthly
Ziraat Bankası · ING · Akbank · Aktif Bank (N Kolay) · İş Bankası · Halkbank · DenizBank · Yapı Kredi · QNB · TEB
Business loan
1.99% – 3.39% monthly
Published by 2 banks · as read on 12 October 2026
User average (Business instalment): 3.14% monthly
Daily-earning account
6.3% – 40.5% annual
First-day real gross rate on ₺1,000,000
26 accounts at 16 banks · as read on 12 – 13 October 2026
Average over the last 7 days (6 – 13 October 2026).
What is being calculated on Bankacı right now?
The most recent calculations.
Personal / vehicle loan100k–500k ₺ · 13–36 months
38 minutes agoPersonal / vehicle loan100k–500k ₺ · 13–36 months
42 minutes agoPersonal / vehicle loan500k – 1m ₺ · 13–36 months
44 minutes agoPersonal / vehicle loan500k – 1m ₺ · up to 12 months
48 minutes agoPersonal / vehicle loan500k – 1m ₺ · up to 12 months
51 minutes agoGet loan rates by email every week
The banks' current rates and the week's average rates, in one email a week.
The tools you need during a customer meeting.
Simple inputs, fast results and output that is easy to explain to customers.
Loan calculator
Multiple payment plans, detailed installment breakdowns and customer-ready PDFs.
Legal limits
As you type the amount, the BDDK maximum term and loan-to-value appear beside the field, with the Board decision they rest on.
Business loans
Instalment (monthly, quarterly or semi-annual), spot, revolving and cheque/note discounting, each with its own interest mechanics.
Deposit returns
Quickly compare gross and net returns, withholding tax and the maturity amount.
Daily-earning account
Takes out the part left in the current account and shows the real rate and its 32-day term deposit equivalent.
Investment calculations
Return and withholding on eurobonds, Treasury bills and funds; for a eurobond, whether a return is due and the estimated extra tax.
Mortgage refinancing
Evaluate the current loan against a new financing scenario in one flow.
Shareable results
Share the calculation with your customer as a clear summary or PDF.
Requests and notifications
Track your shared request links and important notifications in one place.
7 payment plans
Fixed installment, upfront interest, equal principal, custom or balloon, grace period, increasing and decreasing installment plans.
Smart plan suggestions
Highlights suitable options by comparing installment structure, total repayment and interest differences.
Overdraft (KMH) & credit card interest
Calculate interest on overdraft (KMH) and credit card balances; the monthly rate is prefilled from the current CBRT maximum and can be changed.
Loan by affordability
Instantly estimate the loan amount from the monthly installment you can afford.
Part payment and payoff
What closing or paying down a running loan costs today: outstanding principal, the early repayment rebate, the remaining plan.
Savings finance
Customer- or draw-based contracts for housing, vehicles and roofed workplaces; the savings period, allocation and repayment.
Shortcuts and widget
The four calculators you use most, at the top of the home screen and on your phone's home screen; one tap opens them.
Calculate with Siri
With Siri set to Turkish, say "Bankacı ile kredi hesapla"; Siri asks for the amount, term and rate and reads out the instalment. On iPhone, with Premium.
AI Assistant
Describe the customer's case in one sentence; the AI Assistant suggests the calculator and payment plan, and Bankacı works out the figures. With Premium.
Housing loan calculationPersonal loan calculationVehicle loan calculationBusiness loan calculationRevolving credit calculationSpot loan calculationEarly loan payoff and part payment calculationTerm deposit calculationDaily-earning account calculationEurobond, Treasury bill and fund calculationOverdraft and credit card interestLoan amount from the instalment
The banker’s digital workspace.
Bankacı is a comprehensive workspace for retail and commercial bankers to run calculations and prepare customer-specific scenarios.
01
Loan calculations with clear, shareable results
027 payment plans for personal loans
PREMIUM03Continue your calculations on mobile or in the browser with your Premium account
PREMIUM04Mortgage refinancing calculator
PREMIUM05Commercial banking tools: spot and revolving loans, periodic payments and discounting
06Deposit return calculator
07Overdraft (KMH) and credit card interest, prefilled with the current CBRT maximum rate
08Loan by affordability: estimated loan amount from a monthly installment
09Access your last 20 calculations
10In-app notification center
11Shareable loan request forms and incoming request management
PREMIUM12Personal notes and shareable calculation images
PREMIUM13Loan calculation with Siri, without opening the app
PREMIUM14Calculator and payment plan suggestions from the AI Assistant
PREMIUMWho is Bankacı for?
Bankers who price loans and people looking for one — both run on the same calculation engine.
Walk into the meeting prepared.
Work the numbers in seconds, send the payment plan to your customer, and manage incoming requests in one place.
- Personal, commercial, deposit, refinancing and overdraft calculations
- Seven payment plan types (Premium) and alternative plan suggestions
- Share the result as an image, as text or as a PDF
- Share your request form and manage what comes in (Premium)
Know what you will pay, before you sign.
Work out your instalment, your total repayment and your payment plan for free. No account needed.
- Free loan, deposit, overdraft and credit-card calculations
- See the full instalment table and total cost up front
- Current CBRT maximum credit-card and overdraft rates
- Post one request and let bankers come to you
- Follow your requests and campaign applications
Be ready for your next calculation.
Download Bankacı for free. Start calculating in seconds.
Scan with your phonebankaci.app/indir