Changing TRY to USD in Turkey: the cheapest way, and what the rest cost you
The spread takes 0 TRY if you convert inside your account with QNB Türkiye, and 0 TRY at QNB Türkiye's banknote desk, up to 241.98 TRY at VakıfBank.
Same money, same day — a 4.12 TRY difference for choosing how you pay rather than where.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
QNB Türkiye | 0 TRY | read from www.qnb.com.tr |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
QNB Türkiye | 0 TRY | read from www.qnb.com.tr |
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
Türk Ekonomi Bankası (TEB) | 392.90 TRY | 2% disclosed fee, checked 2026-07-23 |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 3 banks, cheapest first. The dearest takes 2.0% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| QNB Türkiye own board | 45.8695 | 48.9250 | 0 TRY |
| Read from the board this bank publishes at www.qnb.com.tr. | |||
| Şekerbank own board | 48.8584 | 49.7283 | 176.16 TRY |
| Read from the board this bank publishes at www.sekerbank.com.tr. | |||
| VakıfBank own board | 48.9084 | 49.8940 | 241.98 TRY |
| Read from the board this bank publishes at subesizbankacilik.vakifbank.com.tr. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 7 banks, cheapest first. The dearest takes 2.0% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| QNB Türkiye own board | 45.8795 | 48.9150 | 0 TRY |
| Read from the board this bank publishes at www.qnb.com.tr. | |||
| Şekerbank own board | 49.1794 | 49.3283 | 15.41 TRY |
| Read from the board this bank publishes at www.sekerbank.com.tr. | |||
| Kuveyt Türk own board | 48.6445 | 49.6344 | 138.66 TRY |
| Read from the board this bank publishes at www.kuveytturk.com.tr. | |||
| Yapı Kredi own board | 48.7400 | 49.7400 | 180.82 TRY |
| Read from the board this bank publishes at www.yapikredi.com.tr. | |||
| Türkiye İş Bankası own board | 48.6992 | 49.8814 | 237.00 TRY |
| Read from the board this bank publishes at www.isbank.com.tr. | |||
| Halkbank own board | 48.9023 | 49.8923 | 241.32 TRY |
| Read from the board this bank publishes at webapi.halkbank.com.tr. | |||
| DenizBank own board | 49.8728 | — | — |
| Read from the board this bank publishes at www.denizbank.com. | |||
Tell me when this changes
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Rates are TRY per 1 USD; "costs you" is the part of your amount the spread absorbs, against 49.2903, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-10-12.