Turkey is set to implement a new regulation requiring real estate transactions to be completed through a secure and registered payment system, in a move designed to increase transparency and reduce risk in property sales. The regulation, published in the Official Gazette and prepared by the Ministry of Trade Turkey, will come into full effect on July 1, 2026.
Mandatory Use of Registered Payment Channels
Under the new rules, part or all of the payment in Turkish property transactions must be processed through systems established by banks and financial institutions operating under Turkey’s Banking Law.
This means that buyers and sellers will no longer be able to complete transactions using informal or unregistered payment methods once the regulation is fully enforced – adding a new layer of security for both.
Applies to Both Cash and Financed Purchases
The regulation covers both cash purchases and transactions involving financing. If a property is partially financed through a bank or financial institution, any remaining balance not covered by the loan must also be transferred through the secure payment system. This ensures that the full transaction value is recorded and traceable.
A service fee will be charged for using the system, with the cost deducted directly from the amount transferred to the seller. Authorities have not yet detailed the exact fee structure, but it will form part of the standard transaction process moving forward.
Oversight and Implementation
The operational framework of the system, including monitoring procedures and the resolution of technical issues, will be overseen by the Ministry of Environment Urbanization and Climate Change Turkey.
The regulation also introduces additional compliance requirements for real estate businesses, including the obligation to notify authorities of changes such as address, trade name, or business activity within specified timeframes. In such cases, companies will be required to renew their authorisation certificates.
Transition Period Before Full Enforcement
Use of the secure payment system will remain optional until July 1, 2026, allowing buyers, sellers and industry professionals time to adapt to the new procedures. After this date, compliance will become mandatory for all real estate transactions in Turkey.
The introduction of a regulated payment system is expected to strengthen trust in Turkey’s real estate market by improving transaction security and reducing the risk of disputes. By ensuring that all payments are recorded through formal financial channels, authorities aim to create a transparent and reliable environment for both domestic and international property investors.
Cameron Deggin 
Founder & CEO, Property Turkey
Cameron Deggin is Founder and CEO of Property Turkey. A former finance professional and FCCA-qualified accountant, he founded the company in 2001 after recognising Turkey’s investment potential. With more than two decades analysing Turkish real estate, Cameron regularly advises international investors and is quoted by media including the Financial Times and BBC.
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