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Sahip oldu\u011funuz kredi kartlar\u0131 ve banka kartlar\u0131 g\u00fcnden g\u00fcne giderek art\u0131yor. 2011 y\u0131l\u0131nda T\u00fcrkiye de 40 milyon banka kart\u0131 kullan\u0131mda iken bu rakam \u015fimdilerde 80 milyon \u00fczeri rakama ula\u015fm\u0131\u015f durumda. Banka kartlar\u0131 ile ge\u00e7en y\u0131l 700 milyonun \u00fczerinde ATM\u2019lerden para \u00e7ekme i\u015flemi ger\u00e7ekle\u015ftirildi ve ortalama her para \u00e7ekme i\u015fleminde 300 TL \u00e7ekildi yani 200 milyar\u0131n \u00fczerinde bir rakam ATM\u2019lerde dola\u015ft\u0131. Bu rakamlar e\u015fli\u011finde ATM say\u0131lar\u0131nda da b\u00fcy\u00fck bir art\u0131\u015f ya\u015fand\u0131. ATM say\u0131s\u0131 2011 y\u0131llar\u0131nda 15 Bin iken bu rakam \u015fimdilerde 35 bini ge\u00e7mi\u015f durumda. Bu rakamlar ortak ATM \u00fccretleri<\/strong> i\u00e7in olduk\u00e7a \u00f6nemli referans rakamlard\u0131r.<\/p>\n

Ortak ATM kullan\u0131m\u0131 ise 1 Ekim 2009 tarihinde \u00a0ba\u015flad\u0131. Bu, t\u00fcketici i\u00e7in asl\u0131nda \u00e7ok kolayl\u0131k sa\u011flayan bir y\u00f6ntem olsa da ortak ATM \u00fccretleri<\/strong> hakk\u0131nda bilin\u00e7li olmak gerekir. Ortak ATM \u00e7al\u0131\u015fma mant\u0131\u011f\u0131 \u015fudur; para \u00e7ekme veya bakiye sorma gibi i\u015flemlerde i\u015flem yapm\u0131\u015f oldu\u011funuz ATM hangi bankaya aitse, o bankaya \u00f6denen bir \u00fccret s\u00f6z konusudur.<\/p>\n

BKM ( Bankalar aras\u0131 Kart Merkezi ) , ortak ATM \u00fccretleri<\/strong> konusunda sitesinden yapm\u0131\u015f oldu\u011fu g\u00fcncel fiyatlar\u0131nda; bakiye sorma i\u015flemi i\u00e7in 0,24 TL, para \u00e7ekme i\u015flemi i\u00e7in ise 0,91 TL sabit \u00fccret ve ilave olarak \u00e7ekilen para i\u00e7in %1 komisyon<\/u> olarak g\u00f6r\u00fcnmektedir. Ortak ATM noktalar\u0131ndan yap\u0131lan bakiye sorma ve para \u00e7ekme i\u015flemlerinizde bu fiyat d\u0131\u015f\u0131nda al\u0131nan \u00fccretler, kart\u0131n\u0131z hangi bankaya ait ise o bankaya \u00f6denmektedir. BKM taraf\u0131ndan a\u00e7\u0131klanan bu \u00fccretler e\u015fli\u011finde \u00f6rnek verecek olursak 100 TL para \u00e7ekmek i\u00e7in 1,91 TL komisyon \u00f6dersiniz. Bu rakam\u0131n \u00fcst\u00fcnde \u00e7\u0131kan miktar ise kullanm\u0131\u015f oldu\u011funuz karta ait bankaya \u00f6denen miktard\u0131r. Yine \u00f6rnek \u00fczerinden devam edersek; bu 100 TL\u2019yi Garanti Bankas\u0131na ait bir banka kart\u0131n\u0131z ile Akbank\u2019a ait ortak ATM \u00f6zelli\u011fi olan bir ATM\u2019den \u00e7ektiniz ve sizden 4,91 TL komisyon kesildi, bu noktada 1,91 TL Akbank\u2019a \u00f6derken 3 TL Garanti Bankas\u0131na \u00f6demi\u015f oldunuz. Ortak ATM kullan\u0131m\u0131nda m\u00fc\u015fterisinden ekstra olarak komisyon almayan ve sadece BKM taraf\u0131ndan a\u00e7\u0131klanan komisyonu alan 2 banka mevcut bunlar ise; Albaraka T\u00fcrk Kat\u0131l\u0131m Bankas\u0131 ve Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131. Baz\u0131 bankalar ise ATM kullan\u0131m\u0131nda ki komisyon \u00fccretlerine ilave olarak mekbuz \u00fccrei ad\u0131 alt\u0131nda \u00fccretler almaktad\u0131rlar.<\/p>\n

Ortak ATM fikri her ne kadar t\u00fcketici a\u00e7\u0131s\u0131ndan kolayl\u0131k sa\u011flasa da baz\u0131 bankalar\u0131n BKM taraf\u0131ndan a\u00e7\u0131klanan ve makul denecek komisyon \u00fccretleri d\u0131\u015f\u0131nda ald\u0131klar\u0131 komisyon \u00fccretleri, t\u00fcketicileri zor durumda b\u0131rak\u0131yor.<\/p>\n