Terms & Conditions

By accessing this site and any of its pages (including its mobile version as well as Internet and Mobile Banking) you agree to be bound by the below terms and conditions. In case of violation of these terms and conditions, QNB Finansbank reserves the right to limit, restrict or suspend your access to the site without giving any prior information or notice.


The users visiting this site, mobile site and mobile apps are legally bound by below terms and conditions. If you do not accept these terms and conditions, you must refrain from using the above mentioned sites and the services provided.

Amendments may be made to the terms at any time by updating this page. Your continued access to or use of the sites and applications will mean that you agree to any amendments.

Use of Information and Material

You may visit the pages of this site, mobile site and mobile applications, find out about our products and services, read our reports and benefit from career opportunities and other value-added services.

Neither the information, nor any opinion contained in this site, mobile site or applications constitute an offer to sell or to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. QNB Finansbank is not responsible for any damages or losses due to your decisions. Before making any decision or taking any action related to your personal or business investments, you should always consult an investment advisor.

Limitation of Liabilities

Information on this site, mobile site and applications is provided on an "as is", "as available" basis. QNB Finansbank does not guarantee accuracy, sufficiency or completeness of this information. Your use of the sites and applications is at your sole risk.

QNB Finansbank is not liable for any direct or indirect harmful and destructive situation encountered during the use of the sites and applications such as and not limited to errors, loss of performance, interruptions, delays in transmission of information, line and/or system failures or transmission of any viruses.

We do not warrant the continuity of the products and services provided in this site, mobile site and applications and their ability to meet users' needs. Therefore any information, material and content provided on these products and may be modified, shortened, renewed, suspended or withdrawn at any time without notice.

Third Party Sites and Hypertext Links

The web site, mobile site and applications may provide hypertext links to sites owned by other parties/ institutions on the Internet. We provide these links for information purposes only and once you access those sites, their terms and conditions will apply.

We are not responsible for your use of these third party sites, their content and attributes and we shall not be responsible or liable for any damages or losses in connection with their service quality and linking.

Information We Collect

When you visit our web and mobile sites and mobile applications, we track information on the IP address of your connection, your browser type, the time you spent at the site, the pages you accessed and the site you were directed from.

This information is compiled and analyzed on an aggregated basis, thus not revealing the visitors' identity. We gather this information for statistical purposes in order to provide a better service and a more effective site.

You may browse our site without identifying yourself or revealing any information. However, in order to make use of some of our services on the site, you may need to provide certain information. All information obtained or recorded in such way is protected by our Confidentiality Statement. Detailed information on this topic is available in our Confidentiality Statement.

Banking Transactions

Internet Banking and mobile banking provided gives you worldwide account access 24 hours a day, 7 days a week, allowing you to perform banking transactions anytime. In order to benefit from this service you need to submit a request for Internet Banking Customer Number and code and activate your account.

An online banking transaction will only be accepted if it has been affected through the Internet Banking Service using an appropriate code/password combination. Please use maximum caution to keep your Customer number, code and password secure and secret at all times. QNB Finansbank is not liable for any damages or losses arising from unauthorized use of your code and password by third parties.

Although we take measures to safeguard our customers who use Internet Banking, our customers should also take precautions. Detailed information on this topic is available on "Internet Banking Security" section.

Certain Internet Banking transactions can only be performed during pre-defined hours and within pre-defined limits. Some transactions may take longer time and therefore the time of instruction and the time of transaction may not be the same.

When using Internet or Mobile Banking, you need to choose the correct instruction and give full and correct information. In case you have any enquiries or problems related to transactions affected through the Internet Banking, please call +90 850 222 0 900 QNB Finansbank Call Center, or +90 850 222 1 900 KOBI Call Center.

Trademarks and Copyright

QNB Finansbank reserves all copyrights, trademarks, patents, intellectual and other property rights in the information and materials contained in its web and mobile sites and applications except for the third party materials.

Information, certificates and documents on the sites may not be used for any purpose other than online viewing; it may not be copied, applied, distributed or used for any other public or commercial purpose.

No one may use a part of our sites on any other web site or link any other web site to our site, or frame the content on our website without our prior written permission.

Legal Matters

Violation of site security and terms and conditions or attempting to violate these is forbidden. Such violators may be taken to court and subjected to legal and penal charges.

The Terms & Conditions of this site are governed by and interpreted in accordance with the laws of the Republic of Turkey. Istanbul (Merkez / Sultanahmet) courts will have jurisdiction in case of any dispute which may arise in connection with the Terms or your use of the site.