N Kolay – Digital Banking

Fast and Easy Banking: N Kolay!

With N Kolay, you can earn daily returns at high interest rates and when you need urgent cash, take advantage of interest-free Overdraft for up to 30 days.
Not a N Kolay customer? Download N Kolay Mobile, complete a video call, and become a N Kolay customer instantly—start benefiting right away!

Fixed interest on N Kolay bonds for the entire term!

With N Kolay, you can grow your savings at high interest rates and earn daily returns unconditionally.
With N Kolay bonds, you can earn daily returns without waiting for maturity. You can manage your savings more efficiently with competitive bank interest rates. Plus, even if market rates fall, your bond’s rate remains unchanged throughout its term.
When planning your investments, use our N Kolay bond calculator to compare options! N Kolay Robo Advisor can also assist you through this process. Manage your savings with investment suggestions tailored to your risk profile and return expectations.

Free ATM & Money Transfers

With N Kolay, you can make EFT, FAST, and internal transfer24/7 at no cost!
You can withdraw and deposit cash for free at any ATM throughout Türkiye.

Tailored Cash & Instant Loans

Overdraft is an emergency cash advance offered interest-free for the first 30 days. Funds transfer instantly upon approval.
N Kolay customers can use overdraft twice in total, while N Kolay Extra customers enjoy two overdraft of ₺10,000 per month!
For larger needs, you can apply for a consumer loan of up to ₺500,000 through the app.
When your account runs out of money, you can cover your cash needs with Overdraft.

Forex, Gold & More!

For those looking to diversify and preserve their wealth, N Kolay Mobile offers comprehensive solutions for forex, commodities, and stock trading:
Advantageous FX Trading: Buy and sell USD, EUR, gold, silver, and more with tight spreads—24/5.
Live Rate Tracking & Order Placement: Monitor markets in real time and set buy/sell orders at your chosen levels.
Competitive Interest Rates: Benefit from repo rates updated to market conditions and plan with our repo calculator.

Free & Easy Bill Payments

Pay your bills quickly and for free via N Kolay Mobile, view your payment history, and set up automatic payment instructions for hassle-free bill management.

Crypto & Gaming Payments

Make free TL transfers to crypto platforms 24/7 with N Kolay Mobile.
Transfer money to Binance TR, Paribu, Bitexen, and other partnered platforms through the “Payments” menu—fast and secure.
Make free payments to gaming platforms like Bilyoner, Misli.com, and Nesine.com, 24/7.

N Kolay Debit & Virtual Cards

With your N Kolay Debit and Virtual Cards, you can make all your purchases easily and complete your transactions securely. Plus, enjoy a range of benefits by taking advantage of exclusive campaigns!

Istanbulkart Services

Top up and check your Istanbulkart balance for free, 24/7 with N Kolay Mobile.

Download N Kolay Mobile & Don’t Miss Out!

Download N Kolay Mobile to start enjoying the benefits of our mobile banking app immediately!
Complete tasks to unlock exclusive offers for N Kolay Extra
Plus, earn ₺200 for each friend you invite—up to a total of ₺2,000.
For full details on our digital banking features and campaigns, visit nkolay.com.
Download N Kolay Mobile and experience digital banking the easy way! We look forward to welcoming you.