You can access Ziraat Participation Bank Online Banking by visiting www.ziraatkatilim.com.tr or www.ziraatkatilim.com websites and clicking the Online Banking login button.

You must have your accounts defined at the Branch at which your account is held. The accounts you will open through Online Banking will automatically be recognized.

You can apply through the Branch at which your account is held.

Following the completion of your in-branch application, the Branch will provide you with your customer number. After your application is approved, your Online Banking password will be sent to your mobile phone by SMS.

Our personal users who forget their Online Banking login passwords can create a new password by using the I Forgot My Password link on the login page. You can also create a new password by calling our Customer Call Center at 0 850 220 50 00.

• You can access Ziraat Participation Bank Online Banking by visiting www.ziraatkatilim.com.tr or www.ziraatkatilim.com websites and clicking the Online Banking login button.
• Do not access Online Banking from publicly accessible computers such as the ones at internet cafes.
• Only use licensed operating systems and keep your web browser up-to-date. Harmful software programs take advantage of outdated operating systems and security gaps in browsers.
• It is important that you use an anti-virus program, an anti spyware – anti malware program, and a firewall software to detect and resolve possible security gaps, and have protection against possible attacks during Internet use. Some security software programs contain all of these three features. While anti spyware – anti malware programs protect your computer against spy software that try to capture your internet usage information, firewall programs prevent the programs on your computer from accessing internet outside your knowledge.
• Keep the database of your anti-virus software up-to-date. Perform periodic virus scans on your computer.
• Keep your personal information confidential. Be cautious against people who request your information such as your date of birth, identification number, your mother’s maiden name by phone or e-mail.
• Once your transactions are complete, make sure to use the “Secure Logout” button to leave Online Banking.
• Do not try to access our Online Banking through the links above and through any link that may be sent through e-mail or chatting or messaging programs, even if such links are sent by an acquaintance.
• Do not keep your customer number and your password in the same place, note them down or send them via e-mail.
• Do not share your password with anyone including our Bank and Customer Service personnel.
• Do not use easily predictable personal information (such as your year of birth, favorite team, etc.) while determining your password.
• Do not open the attachments included in the e-mails sent by people you do not know.
• Do not enter your security information by clicking on the links sent to you by e-mail.
• Ziraat Participation Bank does not execute any transactions involving your password and request your personal information via e-mail. Do not respond to such e-mails.
• Change your password periodically.
• Keep the details that you use to access Internet services like e-mails confidential.

To access Ziraat Participation Bank Online Banking services, the use must pass through multiple security steps, and be authenticated by the system. You must first verify your identity in the system by using your customer number, password, and SMS verification password.

Furthermore, you will be notified by an SMS about critical transactions performed through our Online Banking System with amounts higher than the threshold you predetermined. Thus, the Online Banking will not be used beyond your knowledge and you will be able to interfere in transactions immediately.

In the event that your Online Banking session is inactive during the preset time period, a warning window will pop up and ask you whether or not you want to continue the transactions. If you don’t respond to this window within the provided time period, or click the "end the session" button, you will log off. If you choose to continue with the transactions, then your session will resume.

After entering your customer number and password on the login screen, you must see your name, last name and your security image on the next page. Thus, you may securely login to online banking.

Access the website by typing http://www.ziraatkatilim.com.tr in the address field of your browser. Make sure that the address of the Online Branch (E-Branch) is http://esube.ziraatkatilim.com.tr.

You can find the information about the time and date of your last login on the main page.

Each page you open must have a padlock sign on either the lower or the upper right corner of the page.

Online Banking SSL Security Certificate is a security protocol developed by Netscape in order to ensure security and confidentiality during information transfer on the network. SSL ensures that the information sent can absolutely and only be decrypted at the right address. The information is encrypted automatically before it is sent and can only be decrypted by the correct receiver. The verification is conducted on both ends, preserving the confidentiality and integrity of the transaction and information.

SMS Verification is a security measure taken to improve the security of any online transaction performed by our customers through the internet.

For transactions exceeding a preset limit, a single-use password will be generated and sent to your registered mobile phone number. The password will be valid for 3 minutes and cannot be used after expiration. If you have not completed your transaction within this period, you will need to repeat it with a new SMS message. If you enter the sent password incorrectly 3 times, the system will block your password and sign you out. In order to reactivate your password, you must call Customer Services at 0 850 220 50 00 to carry out the necessary procedures.

In the case that your mobile phone has no signal, is switched off, etc., you will not be able to perform any transactions. You will not be charged for the messages sent.

SMS Notification is a precaution taken for your security. Notification messages will be sent to your registered mobile phone by the Online Banking System for transactions exceeding a certain amount. Thus, you will be informed about any transactions carried out through the Online Banking System. You can set transaction limits by calling our Customer Call Center at 0 850 220 50 00, provided such limit is not less than the threshold set forth by our bank and does not exceed the limit you have determined.

You can set certain limits and restrictions such as a transaction limit, a transaction restriction, access time and access authentication (IP, ISP, domestic, abroad) through your security settings. You can call our Customer Call Center at 0 850 220 50 00 at any time to remove your limits and restrictions.

Our customers, for their own security, can only add or update their mobile phone information at our Branches.

When your mobile phone number or SIM card changes, you must visit our Branches as soon as possible in order to update your mobile phone number.

You should immediately call our Customer Services at 0 850 220 50 00

Account Information

• Account List
• Account Activities
• Opening Current Account
• Closing Current Account
• Opening a Participation Account
• Closing a Participation Account
• Closed Accounts
• Joint Accounts

IBAN Transactions

• My IBAN Information
• IBAN Control
• IBAN Calculation

Remittance

• Remittance Between Accounts
• Remittance to Account
• With IBAN
• Remittance To Name
• Saved Remittance List
• Last 20 Remittancest

EFT

• EFT to an Account
• With IBAN
• EFT To Name
• EFT To Credit Card
• Saved EFT List
• Last 20 EFTs

Investment Transactions

• Dividend Calculation

Security Management

• Password Transactions
• Time Restriction
• IP/ISS Limiting
• Transaction Limit Restriction
• Card Access Restrictions
• Overseas Use Restriction
• Session Time Setting
• Authorization Monitoring
• SMS Verification

Information Update / View

• Address
• Mobile Phone Number
• Delivery
• Personal
• E-Mail
• Education and Occupation
• Telephone and Fax

You can lower your daily limits as you like from the Personal Online Banking Transaction Limit Setting screen. You can raise your limits up to a point not exceeding our Bank’s limits by calling Customer Services at 0 850 220 50 00.

You can find out detailed information about transaction fees on our Product and Service Fees page.

You can apply to your Branch at which your account is held, or you can close your account through Online Banking.

Transactions performed through Online Banking are executed in real time (online), and it is not possible to cancel them.

In order to cancel your transaction you must contact our nearest Branch.

You can get your EFT query number from the Branch at which your account is held, or through Telephone Banking or Online Banking, and query the EFT transaction at the recipient bank.

If you have entered the IBAN/account number or recipient's name incorrectly, you must contact the Branch at which your account is held and ask for a news-general message to be sent. The EFT sent can be revoked or canceled with this message.

If you don't have sufficient funds in your account on the relevant date, your transaction will not be executed.