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Ziraat Katılım: Participation Banking Services in Istanbul

By Istanbul Vibes · Updated

Ziraat Katılım: Participation Banking Services in Istanbul
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Information only. This is a factual profile based on publicly available information. Istanbul Vibes does not rate, rank or recommend banks or financial services, does not arrange accounts or transfers and receives no payment per customer. It is not financial advice. Please check licence, conditions and current fees with the provider and with the competent regulator.

Last updated: October 27, 2026 · Editor: Istanbul Vibes editorial team · Report an error

Ziraat Katılım is a public participation bank that offers interest-free financial services aligned with Islamic principles. Established in 2015, it operates as a subsidiary of Ziraat Bank, Turkey’s largest state bank, bringing decades of banking experience to the participation banking sector.

The bank serves both individual and business customers through its network of branches and digital channels. Participation banking in Turkey operates under the same regulatory framework as conventional banking but emphasizes profit and loss sharing rather than fixed interest, making it an alternative for customers seeking interest-free financial products.

Quick Facts

Address Finanskent Mahallesi, Finans Caddesi, B Blok No: 44B, İç Kapı No: 29, Ümraniye/İstanbul
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District Ümraniye
Website ziraatkatilim.com.tr

How to Get to Ziraat Katılım

Ziraat Katılım’s headquarters is located in the Finanskent financial district in Ümraniye, on Istanbul’s Asian side. The address is Finanskent Mahallesi, Finans Caddesi, B Blok No: 44B, İç Kapı No: 29.

From the city center, reach Ümraniye by metro on the M4 line heading toward Sabiha Gökçen Airport, exiting at Ümraniye station. From the station, the Finanskent financial complex is about a 10–15 minute walk or a short taxi ride. The building is recognizable as part of Istanbul’s modern financial hub.

Accessibility

Information about accessibility features at the headquarters office is not published on the official website. Contact the bank directly at 0216 557 27 00 to inquire about wheelchair access, seating, or other accessibility accommodations.

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Metro stations near Ziraat Katılım

  • Kozyatağı: Interchange Hub on the Asian Metro Network
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FAQ: Ziraat Katılım

What is participation banking and how does it differ from conventional banking?

Participation banking operates on the principle of profit and loss sharing rather than fixed interest rates. In participation banking, customers and the bank share profits from investments or financing activities. This model complies with Islamic finance principles and is regulated under the same banking laws as conventional banks in Turkey. Participation banking is an alternative financial model for customers seeking interest-free products.

Can foreigners open accounts with Ziraat Katılım?

According to the bank's private banking services, account opening for foreigners is possible, including opening accounts from abroad with just a passport. However, specific requirements, documentation, and services available to foreign customers may vary. Contact the bank's private banking department or visit an Istanbul branch for details on account opening procedures for non-residents.

What is the relationship between Ziraat Bank and Ziraat Katılım?

Ziraat Katılım is a subsidiary of Ziraat Bank, Turkey's largest state bank. Established in 2015, Ziraat Katılım operates as the participation banking arm of the Ziraat Finance Group. While both serve customers in Turkey, they operate separately—Ziraat Bank handles conventional banking while Ziraat Katılım focuses exclusively on participation banking products.

Does Ziraat Katılım serve international customers or offer services for money transfers abroad?

Ziraat Katılım primarily serves the Turkish market. For international transfers, payment restrictions, and services to foreign customers, rules vary and depend on your country of residence. Check with the bank's customer service or your own bank before traveling to understand what payment methods will work for you in Istanbul.

Where are Ziraat Katılım branches located?

Ziraat Katılım operates branches across Turkey. The headquarters is in Ümraniye, Istanbul. For a complete list of branch locations and current opening hours, visit the official website at ziraatkatilim.com.tr or contact the bank at 0216 557 27 00.

What is the bank's regulatory status and deposit protection?

According to the provider's website, Ziraat Katılım is authorized and supervised by the Central Bank of the Republic of Turkey. Customer deposits are protected under Turkey's deposit guarantee scheme. Verify current regulatory details and protection limits on the Central Bank's official website or contact the bank directly.

Does Ziraat Katılım have an international branch?

As of 2020, Ziraat Katılım opened its first international branch in Sudan. The bank continues to expand internationally while maintaining its primary focus on the Turkish market. For current information on international services, check the official website or contact the bank.

What digital banking services does Ziraat Katılım offer?

Ziraat Katılım offers mobile banking and online services. Mobile apps are available on Google Play and Apple App Store (verified as of April 2026). Digital services allow customers to manage accounts, make transfers, and access investment products. Visit the official website for current information on digital banking features and requirements.

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Before you decide anything

Services listed by the provider

  • Participation deposits and savings accounts
  • Personal and business financing
  • Real estate financing
  • Credit cards
  • Investment products
  • Corporate banking services
  • Private banking

Languages and customer groups according to the provider

  • Turkish
  • English on main website

Licence and protection (as stated by the provider)

According to the provider's website, Ziraat Katılım is authorized and supervised by the Central Bank of the Republic of Turkey (reference number 962000). Deposits are protected under Turkish deposit guarantee scheme. This information is not independently verified; consult the Central Bank of the Republic of Turkey's official register for confirmation of licensing and regulatory status.

We have not verified this. Please check the register of the competent regulator.

  • This page is information. It is not financial, investment, tax or legal advice, and not a recommendation to use or buy any product, or to choose any bank, service or country.
  • Fees, rates, limits and rules change often and depend on your nationality, residence and the product. Ask the provider for its current written conditions.
  • Investments can lose value, and you can lose money. Past results say nothing about the future.
  • Check that a provider is licensed in the official register of the BDDK, SPK, TCMB, SEDDK.
  • Payment limits can affect which services work for visitors from your country. Check with your own bank before you travel or send money.

Prepared with AI assistance and edited by Istanbul Vibes editorial team. No rates, fees or prices are shown on purpose. How we work: Editorial Policy.

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This page was prepared with the help of AI and checked by automatic rules. It is general information only, not financial, investment, tax or legal advice and not a recommendation to use any bank, service or product. Mistakes can still happen, and fees, rules and availability change without notice. Please check important details with the provider, the competent regulator and a licensed adviser before you decide anything.

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