Turkish private car sales use bank transfer as the standard payment method. Given high vehicle values and inflation, choosing the right method is important for both parties.
Bank Transfer (EFT/Havale)
Bank transfer (EFT for interbank, Havale for same-bank) is the standard payment method for car sales in Turkey. Transfers typically settle same-day. Verify the funds appear in your account before completing the notary transfer or handing over keys.
Bank Cheque (Banka Çeki)
For high-value transactions, a bank-issued cheque (banka çeki) is a secure option. Verify the cheque by calling the issuing bank directly before accepting — fraudulent bank cheques are a known method of car sale fraud in Turkey.
Notary Timing
The notary transfer and payment are typically completed simultaneously or in close sequence. Do not complete the notary transfer before payment is confirmed in your account. Agree the payment and notary process sequence with the buyer before the appointment.
Cash
Cash is used in Turkey for car transactions but carries risk for high values. Be cautious with large cash amounts — bank transfer provides a traceable record.
Scams to Avoid
- Fake transfer confirmations: Always verify funds in your actual bank account — not on screenshots or SMS confirmations from the buyer.
- Deferred payment scam: Buyer proposes partial payment at notary and balance later. Insist on full payment before or at the notary appointment.
- Forged bank cheques: Verify any bank cheque directly with the issuing bank before accepting.
