Your account is blocked, restricted or closed. First understand which kind of block it is.

A Turkish bank account stops working for one of a few distinct reasons, and the response to each is different: a compliance hold pending documents (MASAK due diligence), a bank-initiated closure under the account contract, a court or enforcement-office attachment (haciz, often e-haciz by a tax office or SGK), or a precautionary measure ordered by a prosecutor or MASAK. The letter or the app message usually tells you which — in Turkish, in bank language. We read it with you, prepare the documents for your written response in the bank's structure, and lay out the escalation route in writing: branch, head-office customer unit, the Banks Association's customer arbitration committee (TBB Müşteri Hakem Heyeti), BDDK complaint, or a lawyer where the block is judicial.

Price — one account, one situation

State fees (you pay directly)None for a complaint to the bank, to the TBB Müşteri Hakem Heyeti or to BDDK. If the block is a tax or SGK attachment, the underlying debt is yours to settle with the authority₺0

Professional fees at tariff (you pay the professional)None in the normal case. Where the block is a court order or a prosecutor's measure, a lawyer you retain directly, at their fee; notary ≈ ₺884 per page if a document must be notarised₺0 or at tariff

ROSTU feeLetter reading and classification, chronology of the account, document pack for your written response (source of funds, transaction explanations, identity and address refresh), response draft in Turkish for your signature, escalation map with deadlines, one branch visit with sworn interpreter, follow-up log for 30 days, one revision₺5,000

DeliveryDigital; hand delivery in İstanbul ₺150 if the bank wants originals₺0–150

You pay ROSTU:₺5,000 one-off

State fees and the notarial tariff are paid by you directly to the state or to the notary. We are not a notary and receive no remuneration from any notary, bank or lawyer.

Last verified: 24.10.2026 · source: TBB Müşteri Hakem Heyeti — tbb.org.tr; BDDK complaints — bddk.org.tr; MASAK — masak.hmb.gov.tr

Pilot price, valid until 31.12.2026, incl. KDV. Bank fees, state fees and the notarial tariff are separate and paid by you to them.

Four kinds of block and who lifts each

What the letter says	What it is	Who can lift it	Your response
"Belge talebi", "müşteri tanıma güncellemesi", account restricted pending documents	Compliance hold under MASAK due-diligence rules	The bank, once documents satisfy it	Source-of-funds and transaction documents, identity and address refresh, written explanation
"Hesabınız kapatılacaktır", notice period cited	Bank-initiated closure under the account contract	The bank; it is not obliged to continue the relationship	Ask in writing for the balance to be paid to an account you name; consider TBB Heyet if funds are withheld
"Haciz", "e-haciz", tax office or SGK or enforcement office named	Attachment of the balance for a debt	The authority that ordered it, after payment or objection	Debt statement from the authority; payment or objection within the legal period — with your SMMM or lawyer
"Tedbir", prosecutor's office or MASAK decision referenced	Judicial or administrative precautionary measure	The court or MASAK	A lawyer you retain directly, immediately

We classify and prepare documents for the first two kinds, and prepare the factual chronology for your lawyer in the last two. We do not argue your case before any body.

How it works

Send the letter or a screenshot

The bank's message, the date you first noticed the restriction, and what you were trying to do when it failed. We classify the block within hours and tell you what kind it is.

Chronology and document pack

We build a dated chronology of the account — openings, large credits, cash, foreign transfers — from your statements, and list the documents that answer the bank's categories. You collect; we order and translate what needs translating.

Written response and branch visit

You receive a response in Turkish, in the bank's structure, with the documents indexed, and a copy in your language. You sign. We go to the branch with you and a sworn interpreter to hand it in and have it logged.

Escalation map and follow-up

If the bank does not answer or answers no, you have a dated map: written application to head office; TBB Müşteri Hakem Heyeti (for individual customers, within the periods in its rules); BDDK complaint; lawyer for judicial measures. We follow up with you for 30 days.

Typical cases

Foreign individual, account restricted after a €60,000 incoming transfer. The bank wants source documents; nothing moves until they are filed.
Company account closed with 30 days' notice after a change of shareholders; the bank will not say why. The task is to receive the balance and open elsewhere, not to argue.
e-haciz from the tax office on a company account for an unpaid KDV assessment the SMMM did not flag; the balance is attached until the debt is settled or stayed.
Card and app blocked after a fraud alert on an outgoing transfer; the bank wants an in-person identity confirmation with interpreter.
Student's account frozen after receiving money from several unrelated senders; the bank suspects third-party use.

What can go wrong

Treating a judicial measure like a compliance hold. Documents to the branch will not lift a prosecutor's order. Classify first.
Arguing by phone. Nothing said on the phone is in the file. Written, dated, signed, logged.
Going to the TBB Heyet too early or too late. Its rules require a prior written application to the bank and set a period after the bank's reply or silence. We give you the dates.
Opening a new account elsewhere with the same unanswered questions. The next bank asks the same things. Fix the document pack once.
A block that reflects a real problem. If the chronology shows transactions you cannot document lawfully, we say so and stop; the next step is a lawyer you retain directly.

Questions

Can the bank just close my account?

Under the account contract a bank may end the relationship with notice, and it is not obliged to give reasons. It must, however, pay you the balance. If funds are withheld after closure, an individual customer may apply to the TBB Müşteri Hakem Heyeti after a written application to the bank; a company's route is a lawyer.

What is the TBB Müşteri Hakem Heyeti?

The Banks Association of Türkiye's customer arbitration committee for disputes between individual customers and banks, free of charge, with its procedure and monetary limits published on tbb.org.tr. The customer applies in their own name after first applying to the bank in writing. We prepare the document pack and the factual chronology; we do not represent you.

Will you speak to the bank's compliance officer for me?

We interpret for you at the branch and prepare everything in writing for your signature. Compliance officers speak to the customer, not to third parties, and that is correct.

How long does a compliance hold last?

Until the bank is satisfied, which depends on how complete the first response is. A full pack is usually resolved in days to a few weeks; partial responses extend it. We cannot shorten the bank's own review.

Account blocked? Send the bank's message now

Opens in WhatsApp. Documents are sent through WhatsApp or e-mail during the pilot. Reply within one business hour.