For companies · Monthly retainer

Every cross-border payment documented before the bank asks — one desk, one manager, weekly report

Your money moves through your own banks without holds, returns or unanswered letters. The desk sets up two or three banking relationships, documents every payment under Decree 32 and the bank’s KYC rules, pre-clears large transfers before they are sent, screens counterparties and reports to you weekly. One manager, written reply to any bank request within 48 hours.

FormatMonthly retainer, one manager, weekly reportTiersStarter · Growth · Enterprise — by flow and depthYou get2–3 banks, pre-cleared transfers, closed files

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Who this is for

Company receiving payments from abroad every month

Customers, a parent company or investors send money to Türkiye regularly, and each transfer must be credited without a hold and without a compliance letter arriving after the fact.

Exporter or importer with multi-currency flows

Export proceeds must land and be closed with an İBKB or DAB within 180 days, import payments must match their documents, and the bank asks for both at once.

Group with several entities and daily flows

Dividends, intercompany loans, service fees and salaries cross the border every week. You need one desk that sees the whole picture, keeps every bank informed and reports to the board.

What you have at the end

Each month you hold a closed file for every cross-border payment: the contract or invoice, the Decree 32 check, the Turkish cover letter and the bank’s confirmation. Your banks have current KYC and CRS records for every entity and signatory, a source-of-funds file for every shareholder and large inflow, and a pre-clearance note on each significant transfer before it arrived. Counterparties were screened before the first invoice. A compliance calendar and a weekly report show flows, open items and risks.

What is included

Multi-bank setup: two to three banks with agreed roles, onboarding files for each entity
Payment documentation under Decree 32 for every contract and transfer, in and out
Export proceeds: 180-day calendar per shipment, İBKB/DAB closure with the bank
Incoming transfer pre-clearance: purpose, documents and açıklama sent to the bank before the money moves
Source-of-funds files for shareholders and large inflows, every amount reconciled to a document
KYC and CRS updates for every entity and signatory on the bank’s schedule
Counterparty screening before the first invoice: registry, sanctions lists, adverse media, bank details
Compliance calendar: export deadlines, KYC renewals, bank cut-offs, return dates with your SMMM
Dedicated manager, one channel, written reply to any bank request within 48 hours
Weekly report: flows, open items, bank questions, risks, next actions

How the work runs

1

Week 1 · Onboarding and tier

We map your entities, counterparties, currencies, monthly flow and existing banks, choose the tier that fits the flow, and take over open items: pending transfers, unanswered bank letters, expiring KYC. You receive the calendar and the document templates.

2

Weeks 2–4 · Banks and first cycle

Second and third bank onboarded with a complete file and a clear role each. Every payment of the month runs through the desk: documents matched, cover letter written, large inflows pre-cleared with the bank, counterparties screened before the first invoice.

3

Weekly · Report

Every week you receive one page: payments executed and documented, items pending at the bank, questions received and answered, export accounts and days remaining, KYC dates approaching, risks and the actions we recommend.

4

Quarterly · Review

We review with you which banks, counterparties and payment forms caused friction, refresh KYC and source-of-funds files before the banks ask, update the templates and the calendar, and align with your SMMM and lawyer on the next quarter.

How it is structured

Holds the accounts, executes every transfer, issues İBKB/DAB	Your banks
Decides whether a payment is credited, held or returned	The bank’s compliance unit, under Law 5549 and MASAK rules
Books, VAT and withholding returns	Your SMMM or YMM
Legal opinion on contracts under Decree 32 and on sanctions law	Your lawyer, when needed
Files customs declarations	Your licensed customs broker
Prepares every file, pre-clears, screens, keeps the calendar, reports weekly — never holds or moves funds	ROSTU

What stays outside the package

Holding, receiving or moving client money — ROSTU is not a bank or a payment institution; your bank executes
The bank’s decisions on crediting, holding or returning a payment — we prepare and answer; the bank decides
Tax filings, customs declarations and legal opinions — your SMMM, customs broker and lawyer
Collecting receivables from counterparties — we document the delay; recovery stays with you and your lawyer

Questions

Which tier fits us?

Starter: one entity, a handful of transfers a month, one or two banks, a monthly cycle of files and a weekly status line. Growth: weekly flows in several currencies, imports or exports with 180-day tracking, two or three banks, counterparty screening. Enterprise: several entities, daily flows, a dedicated manager with on-site days and a board-level report. We agree the tier in week one.

Does ROSTU hold or move our money?

No. We never receive, hold or transfer client funds and we are not a payment institution or a bank. Every payment is executed by your own bank from your own account on your signatory’s instruction. The desk makes sure the bank already has the purpose, the documents and the explanation it needs, so the payment is not held.

How does pre-clearance work?

Before the sender pays, we send your bank the purpose, the contract or invoice and the exact remittance text, and keep the bank’s reply in the file. Under Article 24 of the MASAK Regulation, as amended on 7 October 2026, transfers of 30,000 TL or more must carry verified sender identifiers; a receiving name that matches the IBAN holder and a one-sentence açıklama decide speed. The bank still decides.

What about export proceeds?

Proceeds must reach a Turkish bank within 180 days of the actual export date and be closed with an İBKB or DAB; at least 35% is sold to the bank until 31 January 2027. After day 180 the bank reports an open account to the tax office within five business days and the tax office gives 90 days. The desk flags day 150 and prepares the evidence pack.

Tell us about your payment flows

Describe your entities, countries, currencies, monthly volume and banks. A manager replies within one business hour with the tier we recommend and the next step.