Minimum Equity Requirements for Payment and E-Money Institutions Are Increased

04.02.2025

Elif Kalebek co-authored this article.


With the Communiqué on the Redetermination of Minimum Equity Amounts for Payment and E-Money Institutions(“Communiqué”), published in the Official Gazette dated January 30, 2025, and numbered 32798, the minimum equity requirements for payment and e-money institutions have been increased, effective as of June 30, 2025.

As known, in accordance with the Regulation on Payment Services, Issuance of E-Money, and Payment Service Providers, the minimum equity amount that payment and e-money institutions must maintain based on their services is reassessed annually by the Central Bank of the Republic of Türkiye (“CBRT”) in January and is calculated in June and December each year.

Updated minimum equity amounts under the Communiqué

The minimum equity amounts updated by the CBRT under the Communiqué are as follows:

Relevant Institution

2024

Minimum Equity Amount

2025

Minimum Equity Amount

Payment institutions exclusively intermediating for payment of bills

TRY 10,000,000

TRY 15,000,000

Other payment institutions (Excluding those exclusively providing account information services)

TRY 20,000,000

TRY 30,000,000

Electronic money institutions

TRY 55,000,000

TRY 80,000,000













Compliance period

The updated amounts will be considered in the equity calculations at the end of June 2025. Institutions are required to comply with the minimum equity obligations by no later than June 30, 2025.

You can access the full text of the Communiqué (in Turkish) here.

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