Bank chargeback + prosecutor's office + MASAK parallel = 50-90% collection within the first 24 hours.
Bank chargeback
- Other bank approval is required for EFT/money transfer.
- SWIFT recall within the first 24 hours.
- Proof of absence of customer liability.
Consumer referee
- Coverage below 25,500 TL.
- Allegation of bank security negligence.
- Transaction without SMS + 2FA is important evidence.
Frequently asked
Is the consumer arbitrator authorized for the transfer of 1M TL?
No; consumer court.
Bank says "customer negligence"; what to do?
Prove the bank's vulnerability; refute your negligence.
Process for foreign banks?
SWIFT MLAT; The process takes 3-12 months.
Relevant legislation
- TCK art.158/1-f — Qualified fraud through information system.
- 5549 SK — MASAK crypto notification, account blocking.
- Crypto Asset Service Provider Communiqué — CBRT / CMB regulations.
- BRSA 2021/30 — Ban on using crypto in payments.
- HMK art.400-405 — Determination; on-chain evidence fixing.
Legal notice: This article is for general information purposes; A meeting with a lawyer is required for a concrete case.