The Best International Money Transfer Services in Turkey in 2026

Best services for sending money abroad from Turkey

Choose the recipient method before the company, because a cheap bank deposit cannot replace cash collection or a named-person payment.

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

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"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

Wise

Wise keeps TRY-funded bank transfer pricing clear and easy to inspect.

Customers based in Turkey can fund an international transfer from a Turkish bank account, although Wise restricts balance holding, top-ups, receiving and conversion features.

That makes Wise useful as a transfer service rather than a multi-currency account, and it does not support the cash collection role covered by Western Union.

Your first personal TRY transfer requires an 11-digit Turkish identity number, so foreign residents should confirm eligibility before relying on Wise.

Bank funding usually takes about one working day to reach Wise, with conversion taking up to two days before the destination-specific payout stage.

I would avoid it for urgent cash collection, but its separated rate and fee make ordinary bank payments easier to price against SWIFT.

Use the TRY10,000 and TRY100,000 tabs to see how the fee changes with your transfer amount, rather than assuming the same percentage applies throughout.

Papara

Papara offers existing wallet users low fixed-fee transfers to the EU and UK.

Standard transfer fees are €1 to the EU and £1 to the UK regardless of amount, with the exchange rate and applicable currency-purchase tax adding separately.

A €1 fee is equivalent to 1% of a €100 transfer or 0.1% of €1,000, before the exchange-rate cost and tax.

That makes the fixed charge less significant on larger payments, where a worse exchange rate could outweigh the saving against another service.

Papara can send to a bank account, supported wallet or named recipient depending on the country, but it does not send international SWIFT payments.

EU and UK transfers can arrive in about one hour, while other destinations and recipient institutions have their own timings.

A pending transfer may still be cancellable, although cancellation can be delayed or refused after the instruction reaches the receiving counterpart.

I would choose Papara over Wise when the wallet is already funded and its final recipient amount is better for the exact route.

UPT and UPTION

UPT gives you app-based transfers through UPTION or in-person help at PTT counters.

UPTION supports named-recipient transfers up to EUR or USD10,000 and account transfers up to EUR or USD25,000, subject to country and partner rules.

Its digital identity process uses an identity or foreign-identity check and face verification, with additional address documents possible for foreign nationals.

The same UPT service is available through PTT for senders who prefer a counter or need to pay the principal and fee in TRY, USD or EUR.

PTT can send USD or EUR to an IBAN, account or named recipient across the UPT network, with the selected corridor setting the fee.

The higher account-transfer ceiling can help when a payment exceeds the named-recipient limit and the recipient has a suitable bank account.

I would use the counter option if you need assistance or have cash to send, while the app avoids a branch visit.

Ziraat Bank

Ziraat Bank suits existing customers making foreign-currency payments, including eligible EUR SWIFT Go transfers.

SWIFT Go covers EUR10 to EUR10,000 between participating banks, with predictable charges, online tracking and the intended amount delivered net.

For an eligible EUR invoice or family payment, that can avoid the recipient receiving less than you intended because of bank deductions.

Ordinary SWIFT remains available through personal internet banking, with the bank fee shown at confirmation and possible receiving-bank charges afterwards.

If you already hold the payment currency, using that balance also avoids converting TRY solely to make this transfer.

For payments outside SWIFT Go, check the transfer fee, exchange rate and possible intermediary or receiving-bank deductions before setting the expected amount.

Western Union through PTT

Western Union through PTT works for in-person transfers when the recipient needs cash.

The service is available through PTT workplaces and reaches more than 200 countries, giving the recipient a reference-based collection route where supported.

Cash availability can be fast, but identity checks, agent hours, transfer review and recipient action can extend the final collection time.

MoneyGram is a useful PTT counter alternative when EUR or USD funding and its recipient network fit the transfer better.

PayPorter offers another licensed assisted route through authorised agents and its Ria or KoronaPay-linked network, with country-specific tiered pricing.

Compare the exact network, payment currency and payout location because three counter services can produce different costs for the same recipient.

Cheapest international money transfer services in Turkey

Wise is my top pick for transparent bank-transfer pricing, while Papara's €1 EU and £1 UK fees deserve attention from existing wallet users.

Papara's low transfer fee does not remove its exchange-rate cost or tax, and Wise's separate fee does not guarantee the highest recipient amount.

Compare available quotes using the same destination and recipient method, especially before choosing an ordinary SWIFT transfer with possible bank deductions.

Amount

AmountTRY 10,000TRY 100,000Custom

Last updated at 09/26/2026

TRY USD

Mid Market Rate ₺1 = $0.0204₺1 = $0.0204

Transfer Amount ₺10,000₺100,000

1

Currencies Direct

2

Wise

1

Wise

2

Currencies Direct

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

$202.70

₺0.00

0.0203

0.61%

Minutes - 24 hours

Bank transfer

Visit

$199.74

₺220.23

0.0204

0.12%

Within minutes

Bank transfer

Visit

$2,028.72

₺667.99

0.0204

0.12%

Within minutes

Bank transfer

Visit

$2,027.00

₺0.00

0.0203

0.61%

Minutes - 24 hours

Bank transfer

Visit

TRY GEL

Mid Market Rate ₺1 = ₾0.0534₺1 = ₾0.0534

Transfer Amount ₺10,000₺100,000

1

Wise

1

Wise

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

₾514.83

₺335.05

0.0533

0.20%

Within minutes

Bank transfer

Visit

₾5,237.04

₺1,682.56

0.0533

0.20%

Within minutes

Bank transfer

Visit

TRY GBP

Mid Market Rate ₺1 = £0.0154₺1 = £0.0154

Transfer Amount ₺10,000₺100,000

1

Currencies Direct

2

Wise

1

Wise

2

Currencies Direct

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

£152.70

₺0.00

0.0153

0.96%

Minutes - 24 hours

Bank transfer

Visit

£151.48

₺193.65

0.0154

0.31%

Within minutes

Bank transfer

Visit

£1,534.24

₺650.31

0.0154

0.27%

Within minutes

Bank transfer

Visit

£1,523.00

₺0.00

0.0152

1.58%

Minutes - 24 hours

Bank transfer

Visit

TRY EUR

Mid Market Rate ₺1 = €0.018₺1 = €0.0179

Transfer Amount ₺10,000₺100,000

1

Currencies Direct

2

Wise

1

Wise

2

Currencies Direct

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

€177.30

₺0.00

0.0177

1.41%

Minutes - 24 hours

Bank transfer

Visit

€176.10

₺187.94

0.0179

0.28%

Within minutes

Bank transfer

Visit

€1,783.34

₺608.98

0.0179

0.24%

Within minutes

Bank transfer

Visit

€1,772.00

₺0.00

0.0177

1.36%

Minutes - 24 hours

Bank transfer

Visit

TRY AZN

Mid Market Rate ₺1 = ₼0.0347₺1 = ₼0.0345

Transfer Amount ₺10,000₺100,000

1

Wise

1

Wise

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

₼316.32

₺889.15

0.0347

0.11%

Within a week

Bank transfer

Visit

₼3,322.35

₺4,309.04

0.0347

-0.49%

Within a week

Bank transfer

Visit

The comparison covers available quotes for those transfers rather than every service in Turkey, so check Papara, UPT or your bank separately where relevant.

Our guide to the cheapest ways to send money abroad from Turkey explains how fees, exchange rates and deductions combine.

Fastest international money transfer services in Turkey

Papara can suit an eligible EU or UK payment, while cash-network speed depends on the recipient location and its opening hours.

FAST or EFT can move TRY domestically, but that funding speed does not establish when the overseas recipient receives money.

Our guide to the fastest ways to send money abroad from Turkey covers urgent transfer choices separately.

Easiest services for sending money abroad from Turkey

The easiest service is usually the one that already fits your funding source and the recipient's required delivery method.

Best services for large transfers from Turkey

I would use Wise for a large TRY-funded bank transfer within its limits, with UPTION offering an alternative for eligible USD or EUR account payments.

Use the TRY100,000 comparison tab above to judge available digital quotes before accepting a bank exchange rate for the same recipient amount.

A service ceiling does not replace identity and source-of-funds checks, so complete those requirements before fixing the delivery deadline.

Practical checks before sending

Match the recipient's legal name to their account, wallet or identity document before paying, because corrections can become difficult after processing.

Save the receipt and reference until the recipient confirms the full amount, particularly for counter transfers and correspondent-bank payments.

Use the official service or authorised counter, and check the current TCMB register when verifying a Turkish payment institution.

How to send money abroad from Turkey

Choose the route that fits the recipient, then check a current quote before committing your TRY or foreign-currency balance.