Overdraft and credit card interest
In the CBRT table of 1 November 2026 the maximum monthly rate on an overdraft is 4.25%. An overdraft or a card balance is the most expensive debt in the app and the only one that runs continuously. Its cost accrues by the day.
Updated: 2 November 2026
The rate comes from the CBRT
The monthly rate arrives prefilled with the maximum in force. If your bank applies a lower one you change it; higher is not possible anyway.
How overdraft interest is worked out
Interest = balance used × monthly rate × days / 30, plus 15% KKDF and 15% BSMV on that interest.
10,000 TL for 30 days at 4.25%: interest 425.00 TL, taxes 127.50 TL, total 552.50 TL.
Interest runs by the day
Interest runs on how long the used balance stayed outstanding. Bankacı takes the balance and the days, adds BSMV and KKDF, and gives the total due at the end of the period.
An overdraft and a card are not one calculation
Their ceilings are set separately and are not the same. To decide between them a customer needs the amount and the number of days the debt will stand; Bankacı builds both on the same logic and takes the rates apart.
CBRT maximum rates in force
The highest monthly contractual rate a bank may charge. The CBRT announces them every month; Bankacı's overdraft and credit card calculation opens with this rate.
| Product | Maximum monthly contractual rate |
|---|---|
| Overdraft account (KMH) | 4.25% |
| Credit card, statement balance up to 30,000 TL | 3.25% |
| Credit card, statement balance 30,000–180,000 TL | 3.75% |
| Credit card, statement balance over 180,000 TL | 4.25% |
CBRT, maximum interest rates for credit card transactions, as of 1 November 2026
Frequently asked
What is the overdraft (KMH) interest rate?
In the CBRT table of 1 November 2026 the maximum monthly rate on an overdraft is 4.25%. A bank may charge less, never more.
Why is there more than one card rate?
The maximum card rate can differ by the tier the balance falls into. Bankacı uses the tier that matches the amount entered.
Is the minimum payment calculated?
Bankacı works out the interest cost of the period's balance. The minimum payment ratio is the bank's own policy and varies by card.
See also: Revolving credit calculation · Personal loan calculation · Glossary
Be ready for your next calculation.
Download Bankacı for free.
Scan with your phonebankaci.app/indir