{"id":3648,"date":"2026-10-02T08:00:00","date_gmt":"2026-10-02T05:00:00","guid":{"rendered":"https:\/\/batinyilmaz.av.tr\/?p=3648"},"modified":"2026-10-01T18:15:22","modified_gmt":"2026-10-01T15:15:22","slug":"yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi","status":"publish","type":"post","link":"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/","title":{"rendered":"\u0645\u0633\u062f\u0648\u062f \u0634\u062f\u0646 \u062d\u0633\u0627\u0628 \u0628\u0627\u0646\u06a9\u06cc \u062a\u0628\u0639\u0647 \u062e\u0627\u0631\u062c\u06cc \u062f\u0631 \u062a\u0631\u06a9\u06cc\u0647: \u0628\u0631\u0631\u0633\u06cc MASAK \u0648 \u0631\u0641\u0639 \u0645\u0633\u062f\u0648\u062f\u06cc"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Ba\u015fl\u0131klar<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u062a\u063a\u06cc\u06cc\u0631 \u0648\u0636\u0639\u06cc\u062a \u0641\u0647\u0631\u0633\u062a \u0645\u0637\u0627\u0644\u0628\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Yabancilarin_Banka_Hesaplarina_Neden_Bloke_Konulur\" >Yabanc\u0131lar\u0131n Banka Hesaplar\u0131na Neden Bloke Konulur?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#1_MASAK_Kapsaminda_Islemlerin_Ertelenmesi_5549_Sayili_Kanun_m19A\" >1. MASAK Kapsam\u0131nda \u0130\u015flemlerin Ertelenmesi: 5549 Say\u0131l\u0131 Kanun m.19\/A<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#2_CMK_m128_Kapsaminda_Banka_Hesabina_Adli_Elkoyma\" >2. CMK m.128 Kapsam\u0131nda Banka Hesab\u0131na Adli Elkoyma<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#3_CMK_m128A_Kapsaminda_48_Saate_Kadar_Hesabin_Askiya_Alinmasi\" >3. CMK m.128\/A Kapsam\u0131nda 48 Saate Kadar Hesab\u0131n Ask\u0131ya Al\u0131nmas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#4_Supheli_Islem_Bildirimi_ve_Bankanin_Musterini_Tani_Yukumlulukleri\" >4. \u015e\u00fcpheli \u0130\u015flem Bildirimi ve Bankan\u0131n M\u00fc\u015fterini Tan\u0131 Y\u00fck\u00fcml\u00fcl\u00fckleri<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#MASAK_Incelemesinde_7_Is_Gunu_Kurali_Nasil_Uygulanir\" >MASAK \u0130ncelemesinde 7 \u0130\u015f G\u00fcn\u00fc Kural\u0131 Nas\u0131l Uygulan\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#MASAK_Blokesi_CMK_Elkoymasi_ve_Banka_Kisitlamasi_Arasindaki_Fark\" >MASAK Blokesi, CMK Elkoymas\u0131 ve Banka K\u0131s\u0131tlamas\u0131 Aras\u0131ndaki Fark<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Banka_Hesabindaki_Blokenin_Kaldirilmasi_Icin_Ne_Yapilmalidir\" >Banka Hesab\u0131ndaki Blokenin Kald\u0131r\u0131lmas\u0131 \u0130\u00e7in Ne Yap\u0131lmal\u0131d\u0131r?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#1_Once_Blokenin_Hukuki_Kaynagi_Tespit_Edilmelidir\" >1. \u00d6nce Blokenin Hukuki Kayna\u011f\u0131 Tespit Edilmelidir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#2_Bankaya_Yazili_Basvuru_Yapilmalidir\" >2. Bankaya Yaz\u0131l\u0131 Ba\u015fvuru Yap\u0131lmal\u0131d\u0131r<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#3_CMK_m128_Kararina_Itiraz_Edilebilir\" >3. CMK m.128 Karar\u0131na \u0130tiraz Edilebilir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#4_CMK_m128A_Kapsamindaki_Askiya_Almada_Savciliga_Basvurulabilir\" >4. CMK m.128\/A Kapsam\u0131ndaki Ask\u0131ya Almada Savc\u0131l\u0131\u011fa Ba\u015fvurulabilir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#5_Bankanin_Hukuki_Dayanagi_Bulunmayan_Kisitlamasina_Karsi_Hukuk_Yollari\" >5. Bankan\u0131n Hukuki Dayana\u011f\u0131 Bulunmayan K\u0131s\u0131tlamas\u0131na Kar\u015f\u0131 Hukuk Yollar\u0131<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Yargitay_11_Hukuk_Dairesi_E20223529_K20237312_Karari\" >Yarg\u0131tay 11. Hukuk Dairesi E.2022\/3529, K.2023\/7312 Karar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Yabanci_Hesaplarinda_Fon_Kaynaginin_Belgelenmesi_Neden_Onemlidir\" >Yabanc\u0131 Hesaplar\u0131nda Fon Kayna\u011f\u0131n\u0131n Belgelenmesi Neden \u00d6nemlidir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Kripto_Varlik_ve_P2P_Transferlerinde_Hesap_Kisitlamasi\" >Kripto Varl\u0131k ve P2P Transferlerinde Hesap K\u0131s\u0131tlamas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Gayrimenkul_Yatirimi_Icin_Gelen_Doviz_Transferlerinde_Bloke\" >Gayrimenkul Yat\u0131r\u0131m\u0131 \u0130\u00e7in Gelen D\u00f6viz Transferlerinde Bloke<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Kimlik_Pasaport_veya_Adres_Guncellemesi_Nedeniyle_Hesap_Kisitlanabilir_mi\" >Kimlik, Pasaport veya Adres G\u00fcncellemesi Nedeniyle Hesap K\u0131s\u0131tlanabilir mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Bloke_Nedeniyle_Olusan_Zarar_Bankadan_Talep_Edilebilir_mi\" >Bloke Nedeniyle Olu\u015fan Zarar Bankadan Talep Edilebilir mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Sikca_Sorulan_Sorular\" >S\u0131k\u00e7a Sorulan Sorular<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Banka_hesabima_neden_bloke_konuldugunu_nasil_ogrenebilirim\" >Banka hesab\u0131ma neden bloke konuldu\u011funu nas\u0131l \u00f6\u011frenebilirim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#MASAK_banka_hesabina_en_fazla_kac_gun_bloke_koyabilir\" >MASAK banka hesab\u0131na en fazla ka\u00e7 g\u00fcn bloke koyabilir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Yedi_is_gunu_dolunca_banka_hesabi_otomatik_olarak_tamamen_acilir_mi\" >Yedi i\u015f g\u00fcn\u00fc dolunca banka hesab\u0131 otomatik olarak tamamen a\u00e7\u0131l\u0131r m\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Banka_kendi_basina_hesabimi_suresiz_dondurabilir_mi\" >Banka kendi ba\u015f\u0131na hesab\u0131m\u0131 s\u00fcresiz dondurabilir mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#CMK_m128_kapsaminda_banka_hesabina_savci_bloke_koyabilir_mi\" >CMK m.128 kapsam\u0131nda banka hesab\u0131na savc\u0131 bloke koyabilir mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#CMK_m128_kararina_itiraz_suresi_kac_gundur\" >CMK m.128 karar\u0131na itiraz s\u00fcresi ka\u00e7 g\u00fcnd\u00fcr?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Turkiyede_bulunmayan_yabanci_bloke_kaldirma_islemlerini_avukat_araciligiyla_yurutebilir_mi\" >T\u00fcrkiye\u2019de bulunmayan yabanc\u0131 bloke kald\u0131rma i\u015flemlerini avukat arac\u0131l\u0131\u011f\u0131yla y\u00fcr\u00fctebilir mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Banka_blokesi_nedeniyle_olusan_faiz_veya_ticari_zarar_istenebilir_mi\" >Banka blokesi nedeniyle olu\u015fan faiz veya ticari zarar istenebilir mi?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Sonuc\" >Sonu\u00e7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Yazar_Bilgisi\" >Yazar Bilgisi<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#TBB_Meslek_Kurallari_ve_Reklam_Yasagina_Uyum_Ibaresi\" >TBB Meslek Kurallar\u0131 ve Reklam Yasa\u011f\u0131na Uyum \u0130baresi<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/batinyilmaz.av.tr\/fa\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#Iletisim_ve_Hukuki_Bilgilendirme\" >\u0130leti\u015fim ve Hukuki Bilgilendirme<\/a><\/li><\/ul><\/nav><\/div>\n<article class=\"legal-article\">\n<p>T\u00fcrkiye\u2019de ikamet eden, yat\u0131r\u0131m yapan, gayrimenkul sat\u0131n alan veya ticari faaliyette bulunan yabanc\u0131 ger\u00e7ek ve t\u00fczel ki\u015filerin T\u00fcrk bankalar\u0131ndaki hesaplar\u0131nda i\u015flem k\u0131s\u0131tlamas\u0131 veya bloke ile kar\u015f\u0131la\u015fmas\u0131 m\u00fcmk\u00fcnd\u00fcr. B\u00f6yle bir durumda \u00f6ncelikle cevaplanmas\u0131 gereken soru, k\u0131s\u0131tlaman\u0131n <strong>hangi hukuki nedene dayand\u0131\u011f\u0131d\u0131r<\/strong>. \u00c7\u00fcnk\u00fc MASAK kapsam\u0131nda i\u015flemlerin ertelenmesi, ceza soru\u015fturmas\u0131nda malvarl\u0131\u011f\u0131na elkoyma, CMK m.128\/A kapsam\u0131ndaki ge\u00e7ici hesap ask\u0131s\u0131 ve bankan\u0131n m\u00fc\u015fterini tan\u0131 y\u00fck\u00fcml\u00fcl\u00fcklerinden kaynaklanan i\u015flem k\u0131s\u0131tlar\u0131 birbirinden farkl\u0131 hukuki rejimlere tabidir.<\/p>\n<p>\u00d6zellikle yabanc\u0131 hesap sahipleri bak\u0131m\u0131ndan y\u00fcksek tutarl\u0131 uluslararas\u0131 para transferleri, fon kayna\u011f\u0131n\u0131n banka taraf\u0131ndan yeterince a\u00e7\u0131klanamamas\u0131, k\u0131sa s\u00fcre i\u00e7inde \u00e7ok say\u0131da \u00fc\u00e7\u00fcnc\u00fc ki\u015fiden transfer al\u0131nmas\u0131, kripto varl\u0131k platformlar\u0131yla yo\u011fun para hareketleri veya m\u00fc\u015fteri bilgilerinin g\u00fcncel olmamas\u0131 bankan\u0131n ilave inceleme yapmas\u0131na yol a\u00e7abilir. Bununla birlikte her k\u0131s\u0131tlama ayn\u0131 hukuki yetkiye dayanmaz ve uygulanan tedbirin s\u00fcresi ile itiraz yolu da buna g\u00f6re de\u011fi\u015fir.<\/p>\n<p>T\u00fcrkiye\u2019de yabanc\u0131lar\u0131n hukuki stat\u00fcs\u00fc hakk\u0131nda genel bilgi i\u00e7in <a href=\"https:\/\/batinyilmaz.av.tr\/hizmet\/yabancilar-hukuku\/\">yabanc\u0131lar hukuku<\/a> sayfam\u0131z\u0131; ikamet stat\u00fcs\u00fcn\u00fcn banka i\u015flemleriyle ba\u011flant\u0131l\u0131 oldu\u011fu durumlarda ise <a href=\"https:\/\/batinyilmaz.av.tr\/ikamet-izni\/\">T\u00fcrkiye\u2019de ikamet izni rehberimizi<\/a> inceleyebilirsiniz.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Yabancilarin_Banka_Hesaplarina_Neden_Bloke_Konulur\"><\/span>Yabanc\u0131lar\u0131n Banka Hesaplar\u0131na Neden Bloke Konulur?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bir banka hesab\u0131ndaki k\u0131s\u0131tlaman\u0131n hukuki niteli\u011fini belirleyebilmek i\u00e7in \u00f6ncelikle bankadan al\u0131nan bildirimler, hesap hareketleri, varsa savc\u0131l\u0131k veya h\u00e2kimlik kararlar\u0131 ve i\u015flem tarihleri birlikte incelenmelidir. Uygulamada ba\u015fl\u0131ca d\u00f6rt ayr\u0131 hukuki durumla kar\u015f\u0131la\u015f\u0131lmaktad\u0131r.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_MASAK_Kapsaminda_Islemlerin_Ertelenmesi_5549_Sayili_Kanun_m19A\"><\/span>1. MASAK Kapsam\u0131nda \u0130\u015flemlerin Ertelenmesi: 5549 Say\u0131l\u0131 Kanun m.19\/A<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/masak.hmb.gov.tr\/5549-sayili-suc-gelirlerinin-aklanmasinin-onlenmesi-hakkinda-kanun-2\/\" target=\"_blank\" rel=\"noopener\">5549 say\u0131l\u0131 Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi Hakk\u0131nda Kanun<\/a> m.19\/A uyar\u0131nca; y\u00fck\u00fcml\u00fcler nezdinde yap\u0131lmaya te\u015febb\u00fcs edilen veya h\u00e2lihaz\u0131rda devam eden bir i\u015fleme konu malvarl\u0131\u011f\u0131n\u0131n aklama veya ter\u00f6r\u00fcn finansman\u0131 su\u00e7uyla ili\u015fkili oldu\u011funa dair \u015f\u00fcphe bulunmas\u0131 h\u00e2linde, i\u015flem yedi i\u015f g\u00fcn\u00fc s\u00fcreyle ask\u0131ya al\u0131nabilir veya ayn\u0131 s\u00fcre boyunca i\u015flemin ger\u00e7ekle\u015fmesine izin verilmeyebilir.<\/p>\n<p>Kanuna g\u00f6re yetki Hazine ve Maliye Bakan\u0131na aittir ve Bakan bu yetkisini Bakan Yard\u0131mc\u0131s\u0131na devredebilir. Uygulama esaslar\u0131 ayr\u0131ca <a href=\"https:\/\/masak.hmb.gov.tr\/suc-gelirlerinin-aklanmasinin-ve-terorizmin-finansmaninin-onlenmesi-kapsaminda-islemlerin-ertelenmesine-dair-yonetmelik\/\" target=\"_blank\" rel=\"noopener\">Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n ve Ter\u00f6rizmin Finansman\u0131n\u0131n \u00d6nlenmesi Kapsam\u0131nda \u0130\u015flemlerin Ertelenmesine Dair Y\u00f6netmelik<\/a> ile d\u00fczenlenmi\u015ftir.<\/p>\n<p>Burada \u00f6nemli olan husus, kanundaki yedi i\u015f g\u00fcnl\u00fck s\u00fcrenin do\u011frudan ve s\u0131n\u0131rs\u0131z bir \u201chesap dondurma yetkisi\u201d olarak de\u011ferlendirilmemesidir. Somut i\u015flem y\u00f6n\u00fcnden uygulanan ertelemenin hukuki dayana\u011f\u0131 ve s\u00fcresi ayr\u0131 ayr\u0131 incelenmeli; s\u00fcrenin sonunda k\u0131s\u0131tlaman\u0131n devam etmesini sa\u011flayan yeni ve ge\u00e7erli bir hukuki dayanak bulunup bulunmad\u0131\u011f\u0131 ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_CMK_m128_Kapsaminda_Banka_Hesabina_Adli_Elkoyma\"><\/span>2. CMK m.128 Kapsam\u0131nda Banka Hesab\u0131na Adli Elkoyma<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bir ceza soru\u015fturmas\u0131 veya kovu\u015fturmas\u0131nda, su\u00e7un i\u015flendi\u011fine ve malvarl\u0131\u011f\u0131 de\u011ferinin bu su\u00e7tan elde edildi\u011fine ili\u015fkin <strong>somut delillere dayanan kuvvetli \u015f\u00fcphe<\/strong> bulunmas\u0131 h\u00e2linde banka hesaplar\u0131 da dahil olmak \u00fczere \u015f\u00fcpheli veya san\u0131\u011fa ait malvarl\u0131\u011f\u0131 de\u011ferlerine <a href=\"https:\/\/mevzuat.adalet.gov.tr\/mevzuat\/102946\" target=\"_blank\" rel=\"noopener\">5271 say\u0131l\u0131 Ceza Muhakemesi Kanunu<\/a> m.128 kapsam\u0131nda elkoyulabilir.<\/p>\n<p>CMK m.128&#8217;in g\u00fcncel metninde banka veya di\u011fer mali kurumlardaki hesaplar a\u00e7\u0131k\u00e7a elkoyma kapsam\u0131ndaki malvarl\u0131\u011f\u0131 de\u011ferleri aras\u0131nda say\u0131lmaktad\u0131r. Ayr\u0131ca kural olarak su\u00e7tan elde edilen de\u011fere ili\u015fkin olarak ilgisine g\u00f6re MASAK, BDDK, SPK veya maddede belirtilen di\u011fer kurumlardan rapor al\u0131nmas\u0131 \u00f6ng\u00f6r\u00fclmektedir.<\/p>\n<p><strong>\u00d6nemli:<\/strong> CMK m.128\/9 uyar\u0131nca bu madde kapsam\u0131ndaki elkoymaya yaln\u0131zca h\u00e2kim karar verebilir. Dolay\u0131s\u0131yla CMK m.128 bak\u0131m\u0131ndan Cumhuriyet savc\u0131s\u0131n\u0131n kendi ba\u015f\u0131na ge\u00e7ici elkoyma karar\u0131 verebildi\u011fi \u015feklindeki a\u00e7\u0131klamalar g\u00fcncel madde metniyle uyumlu de\u011fildir.<\/p>\n<p>Ceza soru\u015fturmas\u0131 ve koruma tedbirlerinin genel \u00e7er\u00e7evesi hakk\u0131nda <a href=\"https:\/\/batinyilmaz.av.tr\/hizmet\/istanbul-ceza-avukati\/\">ceza hukuku ve soru\u015fturma s\u00fcre\u00e7leri<\/a> sayfas\u0131na da bak\u0131labilir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_CMK_m128A_Kapsaminda_48_Saate_Kadar_Hesabin_Askiya_Alinmasi\"><\/span>3. CMK m.128\/A Kapsam\u0131nda 48 Saate Kadar Hesab\u0131n Ask\u0131ya Al\u0131nmas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>25 Aral\u0131k 2025 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren CMK m.128\/A, \u00f6zellikle baz\u0131 bili\u015fim ve malvarl\u0131\u011f\u0131 su\u00e7lar\u0131nda ayr\u0131 bir hesap ask\u0131ya alma sistemi getirmi\u015ftir.<\/p>\n<p>Nitelikli h\u0131rs\u0131zl\u0131k, kanunda belirtilen nitelikli doland\u0131r\u0131c\u0131l\u0131k halleri veya banka ve kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7lar\u0131n\u0131n i\u015flendi\u011fi hususunda makul \u015f\u00fcphe bulunmas\u0131 h\u00e2linde; banka, \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 veya kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 nezdindeki su\u00e7ta kullan\u0131lan hesaplar ilgili finansal kurulu\u015f taraf\u0131ndan <strong>48 saate kadar<\/strong> ask\u0131ya al\u0131nabilir.<\/p>\n<p>Ask\u0131ya alma i\u015flemi Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na derhal bildirilir. CMK m.128\/A ayr\u0131ca hesap sahibine bildirim yap\u0131lmas\u0131n\u0131 \u00f6ng\u00f6rmektedir. Hesap sahibi ask\u0131ya alma i\u015fleminin kald\u0131r\u0131lmas\u0131 i\u00e7in Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na ba\u015fvurabilir ve Cumhuriyet savc\u0131s\u0131n\u0131n bu ba\u015fvuru hakk\u0131nda 24 saat i\u00e7inde karar vermesi gerekir.<\/p>\n<p>Bu rejim, MASAK\u2019\u0131n 5549 m.19\/A kapsam\u0131ndaki yedi i\u015f g\u00fcnl\u00fck i\u015flem ertelemesinden ve CMK m.128 kapsam\u0131ndaki h\u00e2kim karar\u0131yla elkoymadan ayr\u0131 de\u011ferlendirilmelidir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Supheli_Islem_Bildirimi_ve_Bankanin_Musterini_Tani_Yukumlulukleri\"><\/span>4. \u015e\u00fcpheli \u0130\u015flem Bildirimi ve Bankan\u0131n M\u00fc\u015fterini Tan\u0131 Y\u00fck\u00fcml\u00fcl\u00fckleri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>5549 say\u0131l\u0131 Kanun m.4 uyar\u0131nca bankalar ve di\u011fer y\u00fck\u00fcml\u00fcler; bir i\u015fleme konu malvarl\u0131\u011f\u0131n\u0131n yasa d\u0131\u015f\u0131 yollardan elde edildi\u011fine veya yasa d\u0131\u015f\u0131 ama\u00e7larla kullan\u0131ld\u0131\u011f\u0131na ili\u015fkin bilgi, \u015f\u00fcphe veya \u015f\u00fcpheyi gerektiren bir husus bulunmas\u0131 h\u00e2linde durumu MASAK\u2019a bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n<p>\u015e\u00fcpheli i\u015flem bildirimi yap\u0131ld\u0131\u011f\u0131 bilgisi, kanunda belirtilen istisnalar d\u0131\u015f\u0131nda m\u00fc\u015fteriye a\u00e7\u0131klanamaz. Bu sebeple bankan\u0131n m\u00fc\u015fteriye \u015f\u00fcpheli i\u015flem bildiriminin ayr\u0131nt\u0131s\u0131n\u0131 vermemesi tek ba\u015f\u0131na hukuka ayk\u0131r\u0131l\u0131k anlam\u0131na gelmez. Bununla birlikte bu gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc, herhangi bir yasal dayanak olmaks\u0131z\u0131n m\u00fc\u015fterinin mevduat\u0131na s\u00fcresiz \u015fekilde eri\u015fmesini engelleyen ba\u011f\u0131ms\u0131z bir yetki olarak yorumlanamaz.<\/p>\n<p>Bankalar\u0131n ayr\u0131ca m\u00fc\u015fterinin kimli\u011fini, adresini, i\u015flemlerinin niteli\u011fini ve fon kaynaklar\u0131n\u0131 risk temelli \u015fekilde izleme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc vard\u0131r. MASAK\u2019\u0131n <a href=\"https:\/\/masak.hmb.gov.tr\/yukumlulukler\" target=\"_blank\" rel=\"noopener\">m\u00fc\u015fterini tan\u0131 tedbirlerine ili\u015fkin a\u00e7\u0131klamalar\u0131<\/a> ve <a href=\"https:\/\/masak.hmb.gov.tr\/sikca-sorulan-sorular\" target=\"_blank\" rel=\"noopener\">MASAK s\u0131k\u00e7a sorulan sorular b\u00f6l\u00fcm\u00fc<\/a>, s\u00fcrekli i\u015f ili\u015fkisi kapsam\u0131nda m\u00fc\u015fteri bilgi ve belgelerinin g\u00fcncel tutulmas\u0131 gerekti\u011fini a\u00e7\u0131k\u00e7a belirtmektedir.<\/p>\n<p>Bu nedenle yabanc\u0131 m\u00fc\u015fterinin pasaport, adres veya di\u011fer kimlik bilgilerinin g\u00fcncellenememesi durumunda bankan\u0131n i\u015flem ger\u00e7ekle\u015ftirmemesi m\u00fcmk\u00fcn olabilir. Bu durumun do\u011frudan 6458 say\u0131l\u0131 Yabanc\u0131lar ve Uluslararas\u0131 Koruma Kanunundan kaynaklanan bir \u201chesap bloke yetkisi\u201d olarak de\u011fil, esas olarak 5549 say\u0131l\u0131 Kanun ve ilgili m\u00fc\u015fterini tan\u0131 d\u00fczenlemeleri kapsam\u0131nda de\u011ferlendirilmesi gerekir.<\/p>\n<p>Yabanc\u0131n\u0131n ikamet durumunun ayr\u0131ca de\u011ferlendirilmesi gerekiyorsa <a href=\"https:\/\/batinyilmaz.av.tr\/ikamet-izni-uzatma-basvurusu\/\">ikamet izni uzatma ba\u015fvurusu<\/a> ve <a href=\"https:\/\/batinyilmaz.av.tr\/kisa-donem-ikamet-izni\/\">k\u0131sa d\u00f6nem ikamet izni<\/a> rehberlerimiz incelenebilir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"MASAK_Incelemesinde_7_Is_Gunu_Kurali_Nasil_Uygulanir\"><\/span>MASAK \u0130ncelemesinde 7 \u0130\u015f G\u00fcn\u00fc Kural\u0131 Nas\u0131l Uygulan\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>5549 say\u0131l\u0131 Kanun m.19\/A&#8217;n\u0131n temel amac\u0131, \u015f\u00fcpheli i\u015flemin belirli ve s\u0131n\u0131rl\u0131 bir s\u00fcre boyunca durdurularak MASAK taraf\u0131ndan analiz yap\u0131labilmesine ve gerekti\u011finde elde edilen bilgilerin yetkili makamlara aktar\u0131labilmesine imkan sa\u011flamakt\u0131r.<\/p>\n<p>S\u00fcre\u00e7 genel olarak \u015fu \u015fekilde ilerleyebilir:<\/p>\n<ol>\n<li>Banka veya di\u011fer y\u00fck\u00fcml\u00fc \u015f\u00fcpheli i\u015flemi tespit eder.<\/li>\n<li>Gerekli \u015fartlar olu\u015fmu\u015fsa MASAK\u2019a \u015f\u00fcpheli i\u015flem bildirimi yap\u0131l\u0131r.<\/li>\n<li>\u0130\u015flemin ertelenmesinin gerekli oldu\u011fu de\u011ferlendirilirse 5549 m.19\/A mekanizmas\u0131 i\u015fletilebilir.<\/li>\n<li>Yetkili makam taraf\u0131ndan verilen karar kapsam\u0131nda i\u015flem en fazla yedi i\u015f g\u00fcn\u00fc s\u00fcreyle ertelenebilir.<\/li>\n<li>\u0130nceleme sonucuna g\u00f6re dosya adli makamlara intikal ettirilebilir veya ilgili i\u015flem bak\u0131m\u0131ndan ertelemenin devam\u0131n\u0131 sa\u011flayan hukuki dayanak ortadan kalkabilir.<\/li>\n<\/ol>\n<p>Yedi i\u015f g\u00fcnl\u00fck s\u00fcre, hesab\u0131n her ko\u015fulda ve s\u00fcresiz olarak kullan\u0131m d\u0131\u015f\u0131 b\u0131rak\u0131labilece\u011fi anlam\u0131na gelmez. Bununla birlikte ayn\u0131 hesap bak\u0131m\u0131ndan farkl\u0131 tarihlerde ve farkl\u0131 i\u015flem talepleri \u00fczerine ayr\u0131 erteleme kararlar\u0131n\u0131n bulunup bulunmad\u0131\u011f\u0131 da somut dosyadan kontrol edilmelidir.<\/p>\n<p>Bu ayr\u0131m, Yarg\u0131tay 11. Hukuk Dairesinin a\u015fa\u011f\u0131da a\u00e7\u0131klanan karar\u0131nda \u00f6zellikle \u00f6nem ta\u015f\u0131maktad\u0131r.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"MASAK_Blokesi_CMK_Elkoymasi_ve_Banka_Kisitlamasi_Arasindaki_Fark\"><\/span>MASAK Blokesi, CMK Elkoymas\u0131 ve Banka K\u0131s\u0131tlamas\u0131 Aras\u0131ndaki Fark<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"table-responsive\">\n<table>\n<thead>\n<tr>\n<th>\u00d6l\u00e7\u00fct<\/th>\n<th>5549 m.19\/A \u0130\u015flem Ertelemesi<\/th>\n<th>CMK m.128 Elkoyma<\/th>\n<th>CMK m.128\/A Hesap Ask\u0131s\u0131<\/th>\n<th>KYC \/ Banka \u0130\u015flem K\u0131s\u0131t\u0131<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Temel dayanak<\/strong><\/td>\n<td>5549 say\u0131l\u0131 Kanun m.19\/A<\/td>\n<td>CMK m.128<\/td>\n<td>CMK m.128\/A<\/td>\n<td>5549 ve m\u00fc\u015fterini tan\u0131 mevzuat\u0131<\/td>\n<\/tr>\n<tr>\n<td><strong>Yetkili makam<\/strong><\/td>\n<td>Bakan; yetki Bakan Yard\u0131mc\u0131s\u0131na devredilebilir<\/td>\n<td>H\u00e2kim<\/td>\n<td>\u0130lk a\u015famada ilgili finansal kurulu\u015f; devam\u0131nda savc\u0131l\u0131k\/h\u00e2kimlik i\u015flemleri<\/td>\n<td>Banka veya di\u011fer y\u00fck\u00fcml\u00fc kurulu\u015f<\/td>\n<\/tr>\n<tr>\n<td><strong>Temel s\u00fcre<\/strong><\/td>\n<td>7 i\u015f g\u00fcn\u00fc<\/td>\n<td>Koruma tedbirinin devam\u0131 dosyan\u0131n ko\u015fullar\u0131na g\u00f6re de\u011ferlendirilir<\/td>\n<td>Finansal kurulu\u015f\u00e7a 48 saate kadar<\/td>\n<td>Kimlik ve uyum eksikli\u011fi giderilene veya hukuki durum a\u00e7\u0131kl\u0131\u011fa kavu\u015fana kadar; her somut olay ayr\u0131ca incelenir<\/td>\n<\/tr>\n<tr>\n<td><strong>Ba\u015fvuru yolu<\/strong><\/td>\n<td>\u0130\u015flemin hukuki niteli\u011fine g\u00f6re idari ve yarg\u0131sal yollar de\u011ferlendirilir<\/td>\n<td>CMK m.267-268 kapsam\u0131nda itiraz<\/td>\n<td>Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na kald\u0131rma ba\u015fvurusu<\/td>\n<td>Bankaya yaz\u0131l\u0131 ba\u015fvuru; uyu\u015fmazl\u0131\u011f\u0131n niteli\u011fine g\u00f6re t\u00fcketici veya ticaret yarg\u0131s\u0131 ve di\u011fer yollar<\/td>\n<\/tr>\n<tr>\n<td><strong>Kritik inceleme<\/strong><\/td>\n<td>Erteleme karar\u0131 ve 7 i\u015f g\u00fcn\u00fc s\u00fcresi<\/td>\n<td>Somut delil, su\u00e7-malvarl\u0131\u011f\u0131 ba\u011flant\u0131s\u0131 ve rapor \u015fart\u0131<\/td>\n<td>Su\u00e7 t\u00fcr\u00fc, makul \u015f\u00fcphe ve 48 saatlik s\u00fcre<\/td>\n<td>Kimlik tespiti, fon kayna\u011f\u0131, m\u00fc\u015fteri profili ve bankan\u0131n somut hukuki dayana\u011f\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Banka_Hesabindaki_Blokenin_Kaldirilmasi_Icin_Ne_Yapilmalidir\"><\/span>Banka Hesab\u0131ndaki Blokenin Kald\u0131r\u0131lmas\u0131 \u0130\u00e7in Ne Yap\u0131lmal\u0131d\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Once_Blokenin_Hukuki_Kaynagi_Tespit_Edilmelidir\"><\/span>1. \u00d6nce Blokenin Hukuki Kayna\u011f\u0131 Tespit Edilmelidir<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0130lk a\u015famada banka \u015fubesinden veya bankan\u0131n genel m\u00fcd\u00fcrl\u00fck birimlerinden hesapta bulunan k\u0131s\u0131tlaman\u0131n m\u00fcmk\u00fcn oldu\u011fu \u00f6l\u00e7\u00fcde hukuki niteli\u011fi \u00f6\u011frenilmelidir.<\/p>\n<p>Bankan\u0131n \u015f\u00fcpheli i\u015flem bildiriminin kendisini a\u00e7\u0131klamas\u0131 yasak olabilir; ancak hesap \u00fczerinde adli makam karar\u0131, haciz, tedbir, CMK m.128\/A bildirimi veya ba\u015fka bir a\u00e7\u0131k hukuki k\u0131s\u0131t bulunup bulunmad\u0131\u011f\u0131n\u0131n ayr\u0131ca ara\u015ft\u0131r\u0131lmas\u0131 gerekir.<\/p>\n<p>Yabanc\u0131n\u0131n T\u00fcrkiye\u2019de bir ceza soru\u015fturmas\u0131na taraf olmas\u0131 h\u00e2linde UYAP ve ilgili savc\u0131l\u0131k dosyas\u0131 \u00fczerinden de inceleme yap\u0131labilir. Adli veya idari bir s\u00fcre\u00e7 nedeniyle T\u00fcrkiye\u2019de bulunmas\u0131 gereken yabanc\u0131lar bak\u0131m\u0131ndan <a href=\"https:\/\/batinyilmaz.av.tr\/adli-veya-idari-makam-karariyla-ikamet-izni\/\">adli veya idari makam karar\u0131yla ikamet izni<\/a> konusu ayr\u0131ca g\u00fcndeme gelebilir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Bankaya_Yazili_Basvuru_Yapilmalidir\"><\/span>2. Bankaya Yaz\u0131l\u0131 Ba\u015fvuru Yap\u0131lmal\u0131d\u0131r<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>K\u0131s\u0131tlaman\u0131n sebebi anla\u015f\u0131lm\u0131yorsa veya kanuni s\u00fcrenin sona erdi\u011fi d\u00fc\u015f\u00fcn\u00fcl\u00fcyorsa bankaya yaz\u0131l\u0131 ba\u015fvuru yap\u0131lmas\u0131 \u00f6nemlidir. Ba\u015fvuruda hesap bilgileri, k\u0131s\u0131tlaman\u0131n ilk fark edildi\u011fi tarih, ger\u00e7ekle\u015ftirilemeyen i\u015flemler ve bankadan talep edilen a\u00e7\u0131klama a\u00e7\u0131k\u00e7a belirtilmelidir.<\/p>\n<p>Somut olay gerektiriyorsa noter ihtarnamesiyle de bankaya ba\u015fvurulabilir. Ancak ihtarnamede bankan\u0131n \u015f\u00fcpheli i\u015flem bildirimine ili\u015fkin gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc ihlal edecek bir a\u00e7\u0131klama yapmas\u0131n\u0131n istenmesi yerine, mevcut k\u0131s\u0131tlaman\u0131n hukuki dayana\u011f\u0131n\u0131n ve devam eden bir adli karar bulunup bulunmad\u0131\u011f\u0131n\u0131n mevzuat\u0131n izin verdi\u011fi \u00f6l\u00e7\u00fcde a\u00e7\u0131klanmas\u0131 talep edilmelidir.<\/p>\n<p>5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanunu m.61 uyar\u0131nca di\u011fer kanunlar\u0131n verdi\u011fi yetkiler ve koydu\u011fu y\u00fck\u00fcml\u00fcl\u00fckler sakl\u0131 kalmak \u00fczere mevduat ve kat\u0131l\u0131m fonu sahiplerinin kendilerine \u00f6denmesi gereken tutarlar\u0131 geri alma haklar\u0131 s\u0131n\u0131rland\u0131r\u0131lamaz.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_CMK_m128_Kararina_Itiraz_Edilebilir\"><\/span>3. CMK m.128 Karar\u0131na \u0130tiraz Edilebilir<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Hesap \u00fczerindeki k\u0131s\u0131tlama CMK m.128 kapsam\u0131nda h\u00e2kim taraf\u0131ndan verilmi\u015f elkoyma karar\u0131na dayan\u0131yorsa CMK m.267 ve devam\u0131ndaki itiraz h\u00fck\u00fcmleri uygulan\u0131r.<\/p>\n<p>CMK m.268\u2019in g\u00fcncel d\u00fczenlemesine g\u00f6re, kanunda \u00f6zel bir s\u00fcre \u00f6ng\u00f6r\u00fclmemi\u015fse itiraz <strong>karar\u0131n \u00f6\u011frenildi\u011fi tarihten itibaren iki hafta i\u00e7inde<\/strong> karar\u0131 veren mercie yap\u0131l\u0131r.<\/p>\n<p>\u0130tirazda \u00f6zellikle \u015fu hususlar somut belgelerle de\u011ferlendirilebilir:<\/p>\n<ul>\n<li>Hesaptaki paran\u0131n su\u00e7tan elde edildi\u011fine ili\u015fkin somut delil bulunup bulunmad\u0131\u011f\u0131,<\/li>\n<li>Para ile soru\u015fturma konusu su\u00e7 aras\u0131nda illiyet kurulup kurulamad\u0131\u011f\u0131,<\/li>\n<li>Fonun me\u015fru kayna\u011f\u0131n\u0131 g\u00f6steren s\u00f6zle\u015fme, fatura, vergi kayd\u0131, banka transferi veya sat\u0131\u015f belgesi bulunup bulunmad\u0131\u011f\u0131,<\/li>\n<li>CMK m.128 kapsam\u0131nda gerekli kurum raporunun al\u0131n\u0131p al\u0131nmad\u0131\u011f\u0131,<\/li>\n<li>Elkoyman\u0131n kapsam\u0131n\u0131n \u00f6l\u00e7\u00fcl\u00fc olup olmad\u0131\u011f\u0131.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_CMK_m128A_Kapsamindaki_Askiya_Almada_Savciliga_Basvurulabilir\"><\/span>4. CMK m.128\/A Kapsam\u0131ndaki Ask\u0131ya Almada Savc\u0131l\u0131\u011fa Ba\u015fvurulabilir<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>K\u0131s\u0131tlama CMK m.128\/A kapsam\u0131ndaysa hesap sahibinin do\u011frudan Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na ba\u015fvurarak ask\u0131ya alma i\u015fleminin kald\u0131r\u0131lmas\u0131n\u0131 talep etme hakk\u0131 vard\u0131r. Kanuna g\u00f6re Cumhuriyet savc\u0131s\u0131 bu ba\u015fvuru hakk\u0131nda 24 saat i\u00e7inde karar vermelidir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Bankanin_Hukuki_Dayanagi_Bulunmayan_Kisitlamasina_Karsi_Hukuk_Yollari\"><\/span>5. Bankan\u0131n Hukuki Dayana\u011f\u0131 Bulunmayan K\u0131s\u0131tlamas\u0131na Kar\u015f\u0131 Hukuk Yollar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Hesab\u0131n kullan\u0131lmas\u0131na engel olan ge\u00e7erli bir adli veya idari karar bulunmamas\u0131 ve bankan\u0131n i\u015flem yapmamas\u0131n\u0131n s\u00f6zle\u015fmesel veya kanuni bir temele dayand\u0131r\u0131lamamas\u0131 h\u00e2linde bankan\u0131n hukuki sorumlulu\u011fu g\u00fcndeme gelebilir.<\/p>\n<p>G\u00f6revli mahkeme hesap sahibinin ve i\u015flemin niteli\u011fine g\u00f6re belirlenmelidir. Bankac\u0131l\u0131k i\u015flemi t\u00fcketici i\u015flemi niteli\u011findeyse t\u00fcketici hukuku h\u00fck\u00fcmleri; ticari i\u015fletmeyle ilgili bir uyu\u015fmazl\u0131ksa ticaret hukuku h\u00fck\u00fcmleri g\u00fcndeme gelebilir. Bu nedenle her banka blokesi i\u00e7in do\u011frudan \u201cAsliye Ticaret Mahkemesi g\u00f6revlidir\u201d \u015feklinde genel bir kabul do\u011fru de\u011fildir.<\/p>\n<p>\u0130dari i\u015flemden kaynaklanan uyu\u015fmazl\u0131klar\u0131n genel esaslar\u0131 i\u00e7in <a href=\"https:\/\/batinyilmaz.av.tr\/hizmet\/idare-hukuku-avukati\/\">idare hukuku<\/a> sayfam\u0131za da bakabilirsiniz.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Yargitay_11_Hukuk_Dairesi_E20223529_K20237312_Karari\"><\/span>Yarg\u0131tay 11. Hukuk Dairesi E.2022\/3529, K.2023\/7312 Karar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bankan\u0131n \u015f\u00fcpheli i\u015flem bildirimleri sonucunda hesaplar\u0131n kullan\u0131lamamas\u0131 bak\u0131m\u0131ndan \u00f6nemli kararlardan biri Yarg\u0131tay 11. Hukuk Dairesinin <strong>12.12.2023 tarihli, E.2022\/3529, K.2023\/7312<\/strong> say\u0131l\u0131 karar\u0131d\u0131r.<\/p>\n<p>Karar\u0131n resm\u00ee i\u00e7tihat kayd\u0131 <a href=\"https:\/\/mevzuat.adalet.gov.tr\/ictihat\/990085900\" target=\"_blank\" rel=\"noopener\">Adalet Bakanl\u0131\u011f\u0131 Mevzuat ve \u0130\u00e7tihat Bilgi Sistemi<\/a> \u00fczerinden takip edilebilir.<\/p>\n<p>Uyu\u015fmazl\u0131kta davac\u0131, banka nezdindeki \u00fc\u00e7 ayr\u0131 hesab\u0131n\u0131 kullanamamas\u0131 nedeniyle mevduat\u0131n\u0131n tahsili i\u00e7in icra takibi ba\u015flatm\u0131\u015ft\u0131r. Dosyada MASAK taraf\u0131ndan hesaplara ili\u015fkin birden fazla yedi i\u015f g\u00fcnl\u00fck erteleme karar\u0131n\u0131n bulundu\u011fu tart\u0131\u015f\u0131lm\u0131\u015ft\u0131r.<\/p>\n<p>\u0130lk derece mahkemesi, dosyaya sunulan erteleme kararlar\u0131n\u0131n kapsad\u0131\u011f\u0131 s\u00fcreler d\u0131\u015f\u0131nda kalan d\u00f6nem bak\u0131m\u0131ndan hukuki dayanak bulunmad\u0131\u011f\u0131 de\u011ferlendirmesinde bulunmu\u015f ve davay\u0131 kabul etmi\u015ftir. B\u00f6lge Adliye Mahkemesi ise hesaplardan baz\u0131lar\u0131 y\u00f6n\u00fcnden MASAK kararlar\u0131n\u0131 dikkate alarak farkl\u0131 bir sonuca ula\u015fm\u0131\u015ft\u0131r.<\/p>\n<p>Yarg\u0131tay 11. Hukuk Dairesi incelemesinde esas olarak bankan\u0131n \u015f\u00fcpheli i\u015flem bildirimine dayanak g\u00f6sterdi\u011fi maddi olgular\u0131 de\u011ferlendirmi\u015f ve bankan\u0131n \u015f\u00fcpheli i\u015flem zann\u0131yla yapt\u0131\u011f\u0131 bildirimin herhangi bir maddi delile dayanmad\u0131\u011f\u0131 sonucuna ula\u015fm\u0131\u015ft\u0131r. Daire, somut olay\u0131n \u00f6zellikleri \u00e7er\u00e7evesinde bankan\u0131n hesab\u0131n kullan\u0131lamamas\u0131ndan kaynaklanan zararlardan sorumlulu\u011funun bulundu\u011funu kabul ederek B\u00f6lge Adliye Mahkemesi karar\u0131n\u0131 bozmu\u015ftur.<\/p>\n<p>Bu karar\u0131n, her \u015f\u00fcpheli i\u015flem bildiriminin veya her birden fazla MASAK erteleme karar\u0131n\u0131n kendili\u011finden hukuka ayk\u0131r\u0131 oldu\u011fu \u015feklinde yorumlanmamas\u0131 gerekir. Karar\u0131n \u00f6nemi; <strong>bildirimin somut maddi temeli, uygulanan k\u0131s\u0131tlaman\u0131n hukuki dayana\u011f\u0131 ve bankan\u0131n davran\u0131\u015f\u0131 ile ortaya \u00e7\u0131kan zarar aras\u0131ndaki ili\u015fkinin<\/strong> ayr\u0131ca incelenmesi gerekti\u011fini g\u00f6stermesidir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Yabanci_Hesaplarinda_Fon_Kaynaginin_Belgelenmesi_Neden_Onemlidir\"><\/span>Yabanc\u0131 Hesaplar\u0131nda Fon Kayna\u011f\u0131n\u0131n Belgelenmesi Neden \u00d6nemlidir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yabanc\u0131 hesap sahiplerinin T\u00fcrkiye\u2019ye y\u00fcksek tutarl\u0131 para g\u00f6ndermeleri tek ba\u015f\u0131na hukuka ayk\u0131r\u0131 de\u011fildir. Ancak bankalar\u0131n m\u00fc\u015fterini tan\u0131 ve i\u015flem izleme y\u00fck\u00fcml\u00fcl\u00fckleri nedeniyle transferin ekonomik amac\u0131 ve fon kayna\u011f\u0131 sorulabilir.<\/p>\n<p>Somut i\u015fleme g\u00f6re a\u015fa\u011f\u0131daki belgeler \u00f6nem ta\u015f\u0131yabilir:<\/p>\n<ul>\n<li>Yurt d\u0131\u015f\u0131ndaki banka hesab\u0131 d\u00f6k\u00fcmleri,<\/li>\n<li>\u015eirket gelirleri ve temett\u00fc belgeleri,<\/li>\n<li>Gayrimenkul veya \u015firket pay\u0131 sat\u0131\u015f s\u00f6zle\u015fmeleri,<\/li>\n<li>Vergi beyannameleri,<\/li>\n<li>Miras belgeleri,<\/li>\n<li>Faturalar ve ticari s\u00f6zle\u015fmeler,<\/li>\n<li>Kripto varl\u0131k platformlar\u0131n\u0131n i\u015flem ge\u00e7mi\u015fi ve para yat\u0131rma\/\u00e7ekme kay\u0131tlar\u0131,<\/li>\n<li>T\u00fcrkiye\u2019de yap\u0131lacak yat\u0131r\u0131m\u0131n amac\u0131n\u0131 g\u00f6steren s\u00f6zle\u015fmeler.<\/li>\n<\/ul>\n<p>T\u00fcrkiye\u2019de yat\u0131r\u0131m ger\u00e7ekle\u015ftiren yabanc\u0131lar bak\u0131m\u0131ndan <a href=\"https:\/\/batinyilmaz.av.tr\/turkiyede-yatirim-yoluyla-vatandaslik\/\">yat\u0131r\u0131m yoluyla T\u00fcrk vatanda\u015fl\u0131\u011f\u0131<\/a> ve <a href=\"https:\/\/batinyilmaz.av.tr\/tasinmaz-ikamet-izni\/\">ta\u015f\u0131nmaz yoluyla ikamet izni<\/a> rehberleri de ilgili olabilir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kripto_Varlik_ve_P2P_Transferlerinde_Hesap_Kisitlamasi\"><\/span>Kripto Varl\u0131k ve P2P Transferlerinde Hesap K\u0131s\u0131tlamas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kripto varl\u0131k i\u015flemleri veya e\u015fler aras\u0131 transferler, \u00f6zellikle \u00e7ok say\u0131da farkl\u0131 ki\u015fiden para al\u0131nmas\u0131 h\u00e2linde bankalar\u0131n i\u015flem izleme sistemlerinde y\u00fcksek riskli g\u00f6r\u00fclebilir. Ancak kripto varl\u0131kla i\u015flem yap\u0131lmas\u0131 tek ba\u015f\u0131na su\u00e7 i\u015flendi\u011fi anlam\u0131na gelmez.<\/p>\n<p>B\u00f6yle bir dosyada kripto varl\u0131k platformu hesap kay\u0131tlar\u0131n\u0131n, c\u00fczdan hareketlerinin, al\u0131m-sat\u0131m ge\u00e7mi\u015finin, para transferleriyle platformdaki i\u015flemlerin e\u015fle\u015ftirilmesinin ve fonun ilk kayna\u011f\u0131n\u0131n a\u00e7\u0131klanmas\u0131n\u0131n \u00f6nemi artar.<\/p>\n<p>Uluslararas\u0131 AML\/CFT standartlar\u0131 bak\u0131m\u0131ndan <a href=\"https:\/\/www.fatf-gafi.org\/en\/publications\/Fatfrecommendations\/Fatf-recommendations.html\" target=\"_blank\" rel=\"noopener\">FATF Tavsiyeleri<\/a> risk temelli yakla\u015f\u0131m\u0131 esas almaktad\u0131r. FATF standartlar\u0131, b\u00fct\u00fcn bir m\u00fc\u015fteri grubunun otomatik olarak finansal sistemden d\u0131\u015flanmas\u0131 yerine somut riskin de\u011ferlendirilmesini \u00f6ng\u00f6r\u00fcr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Gayrimenkul_Yatirimi_Icin_Gelen_Doviz_Transferlerinde_Bloke\"><\/span>Gayrimenkul Yat\u0131r\u0131m\u0131 \u0130\u00e7in Gelen D\u00f6viz Transferlerinde Bloke<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u00fcrkiye\u2019de gayrimenkul sat\u0131n almak amac\u0131yla yabanc\u0131 \u00fclkedeki ki\u015fisel veya \u015firket hesab\u0131ndan T\u00fcrkiye\u2019ye y\u00fcksek tutarl\u0131 transfer yap\u0131lmas\u0131 h\u00e2linde bankan\u0131n fon kayna\u011f\u0131n\u0131 ve i\u015flemin ekonomik amac\u0131n\u0131 ara\u015ft\u0131rmas\u0131 m\u00fcmk\u00fcnd\u00fcr.<\/p>\n<p>\u00d6zellikle \u015firket hesab\u0131ndan \u015fahsi hesaba yap\u0131lan transferlerde \u015firket ile hesap sahibi aras\u0131ndaki hukuki ili\u015fkinin; k\u00e2r da\u011f\u0131t\u0131m\u0131, ortak alaca\u011f\u0131, bor\u00e7, sermaye iadesi veya ba\u015fka bir hukuki sebep olup olmad\u0131\u011f\u0131n\u0131n belgelenmesi gerekebilir.<\/p>\n<p>Yat\u0131r\u0131m yoluyla vatanda\u015fl\u0131k bak\u0131m\u0131ndan 2026 y\u0131l\u0131 itibar\u0131yla uygun nitelikte en az 400.000 ABD dolar\u0131 de\u011ferindeki ta\u015f\u0131nmaz yat\u0131r\u0131m\u0131 y\u00f6ntemlerden biri olmaya devam etmektedir. Ayr\u0131nt\u0131l\u0131 \u015fartlar i\u00e7in <a href=\"https:\/\/batinyilmaz.av.tr\/hizmet\/vatandaslik-hukuku\/\">T\u00fcrk vatanda\u015fl\u0131\u011f\u0131 ba\u015fvurusu<\/a> sayfam\u0131z incelenebilir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kimlik_Pasaport_veya_Adres_Guncellemesi_Nedeniyle_Hesap_Kisitlanabilir_mi\"><\/span>Kimlik, Pasaport veya Adres G\u00fcncellemesi Nedeniyle Hesap K\u0131s\u0131tlanabilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bankalar s\u00fcrekli i\u015f ili\u015fkisi kurduklar\u0131 m\u00fc\u015fterilerin kimlik ve adres bilgilerinin g\u00fcncel tutulmas\u0131ndan sorumludur. MASAK d\u00fczenlemeleri T\u00fcrk vatanda\u015flar\u0131 ile yabanc\u0131 m\u00fc\u015fteriler aras\u0131nda bu temel y\u00fck\u00fcml\u00fcl\u00fck bak\u0131m\u0131ndan ayr\u0131m yapmamaktad\u0131r.<\/p>\n<p>Kimlik tespiti veya gerekli g\u00fcncelleme ger\u00e7ekle\u015ftirilemiyorsa banka m\u00fc\u015fterinin yeni i\u015flem taleplerini yerine getirmeyebilir. Bu nedenle yabanc\u0131 hesap sahiplerinin g\u00fcncel pasaport, adres ve gerekti\u011finde T\u00fcrkiye\u2019deki hukuki stat\u00fclerini g\u00f6steren belgeleri bankaya sunmas\u0131 gerekebilir.<\/p>\n<p>\u0130kamet izninin s\u00fcresi dolmu\u015f veya uzatma s\u00fcreci devam eden yabanc\u0131lar i\u00e7in hangi belgenin kullan\u0131labilece\u011fi somut bankan\u0131n uyum prosed\u00fcr\u00fc ve ilgili mevzuata g\u00f6re ayr\u0131ca de\u011ferlendirilmelidir. \u0130kamet izni ba\u015fvurular\u0131n\u0131n genel \u00e7er\u00e7evesi i\u00e7in <a href=\"https:\/\/batinyilmaz.av.tr\/ikamet-izni\/\">ikamet izni rehberimizi<\/a> inceleyebilirsiniz.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bloke_Nedeniyle_Olusan_Zarar_Bankadan_Talep_Edilebilir_mi\"><\/span>Bloke Nedeniyle Olu\u015fan Zarar Bankadan Talep Edilebilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bankan\u0131n hukuka ayk\u0131r\u0131 i\u015flemi sonucunda m\u00fc\u015fterinin zarara u\u011frad\u0131\u011f\u0131 ileri s\u00fcr\u00fcl\u00fcyorsa yaln\u0131zca blokenin varl\u0131\u011f\u0131 de\u011fil; bankan\u0131n kusuru veya hukuka ayk\u0131r\u0131 davran\u0131\u015f\u0131, zarar ve nedensellik ba\u011f\u0131 da ortaya konulmal\u0131d\u0131r.<\/p>\n<p>Somut dosyaya g\u00f6re faiz kayb\u0131, s\u00f6zle\u015fmesel zarar veya ba\u015fka maddi zararlar\u0131n talep edilmesi m\u00fcmk\u00fcn olabilir. Ancak kur fark\u0131, ticari itibar kayb\u0131 veya manevi zarar gibi kalemlerin her olayda otomatik olarak tazmin edilece\u011fi s\u00f6ylenemez. Talebin niteli\u011fi ve ispat\u0131 ayr\u0131ca de\u011ferlendirilmelidir.<\/p>\n<p>Yarg\u0131tay 11. Hukuk Dairesinin E.2022\/3529, K.2023\/7312 say\u0131l\u0131 karar\u0131nda da bankan\u0131n somut olayda maddi delile dayanmayan bildiriminden kaynaklanan hesap kullan\u0131m zarar\u0131na ili\u015fkin sorumlulu\u011fu de\u011ferlendirilmi\u015ftir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sikca_Sorulan_Sorular\"><\/span>S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Banka_hesabima_neden_bloke_konuldugunu_nasil_ogrenebilirim\"><\/span>Banka hesab\u0131ma neden bloke konuldu\u011funu nas\u0131l \u00f6\u011frenebilirim?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00d6ncelikle bankaya yaz\u0131l\u0131 ba\u015fvuru yap\u0131lmal\u0131 ve hesab\u0131n kullan\u0131m\u0131n\u0131 engelleyen hukuki i\u015flemin niteli\u011fi sorulmal\u0131d\u0131r. Banka \u015f\u00fcpheli i\u015flem bildiriminde bulundu\u011funu a\u00e7\u0131klayamayabilir; ancak adli makam karar\u0131 veya ba\u015fka a\u00e7\u0131k bir k\u0131s\u0131t bulunup bulunmad\u0131\u011f\u0131 ayr\u0131ca ara\u015ft\u0131r\u0131labilir. Gerekirse savc\u0131l\u0131k ve UYAP kay\u0131tlar\u0131 incelenmelidir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"MASAK_banka_hesabina_en_fazla_kac_gun_bloke_koyabilir\"><\/span>MASAK banka hesab\u0131na en fazla ka\u00e7 g\u00fcn bloke koyabilir?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>5549 say\u0131l\u0131 Kanun m.19\/A kapsam\u0131ndaki i\u015flemlerin ertelenmesi yetkisi ilgili i\u015flem bak\u0131m\u0131ndan <strong>yedi i\u015f g\u00fcn\u00fc<\/strong> ile s\u0131n\u0131rl\u0131d\u0131r. Ancak ayn\u0131 hesapta farkl\u0131 hukuki dayanaklara veya farkl\u0131 i\u015flem taleplerine ili\u015fkin ba\u015fka k\u0131s\u0131tlamalar bulunabilir. Bu nedenle yaln\u0131zca hesab\u0131n ne kadar s\u00fcredir kullan\u0131lamad\u0131\u011f\u0131na bak\u0131larak hukuki sonu\u00e7 \u00e7\u0131kar\u0131lmamal\u0131d\u0131r.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Yedi_is_gunu_dolunca_banka_hesabi_otomatik_olarak_tamamen_acilir_mi\"><\/span>Yedi i\u015f g\u00fcn\u00fc dolunca banka hesab\u0131 otomatik olarak tamamen a\u00e7\u0131l\u0131r m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>5549 m.19\/A kapsam\u0131ndaki belirli i\u015flem ertelemesinin yedi i\u015f g\u00fcnl\u00fck s\u0131n\u0131r\u0131 vard\u0131r. Bununla birlikte hesap \u00fczerinde CMK m.128 kapsam\u0131nda elkoyma, CMK m.128\/A i\u015flemi, haciz, tedbir veya ba\u015fka ge\u00e7erli bir hukuki k\u0131s\u0131tlama bulunuyorsa hesab\u0131n kullan\u0131m\u0131na ili\u015fkin sonu\u00e7 farkl\u0131 olabilir. Dosyadaki t\u00fcm kararlar\u0131n birlikte kontrol edilmesi gerekir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Banka_kendi_basina_hesabimi_suresiz_dondurabilir_mi\"><\/span>Banka kendi ba\u015f\u0131na hesab\u0131m\u0131 s\u00fcresiz dondurabilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bankan\u0131n \u015f\u00fcpheli i\u015flem bildirimi, m\u00fc\u015fterini tan\u0131 ve risk y\u00f6netimi y\u00fck\u00fcml\u00fcl\u00fckleri bulunmaktad\u0131r. Ancak bunlar s\u0131n\u0131rs\u0131z ve hi\u00e7bir hukuki temele dayanmayan s\u00fcresiz mevduat k\u0131s\u0131tlamas\u0131 yetkisi olarak yorumlanamaz. K\u0131s\u0131tlaman\u0131n somut dayana\u011f\u0131 ve s\u00fcresi ayr\u0131ca incelenmelidir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"CMK_m128_kapsaminda_banka_hesabina_savci_bloke_koyabilir_mi\"><\/span>CMK m.128 kapsam\u0131nda banka hesab\u0131na savc\u0131 bloke koyabilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>CMK m.128\/9&#8217;un g\u00fcncel metnine g\u00f6re bu madde kapsam\u0131nda elkoymaya yaln\u0131zca h\u00e2kim karar verebilir. CMK m.128\/A ise farkl\u0131 bir d\u00fczenlemedir ve belirli su\u00e7larda finansal kurulu\u015fun 48 saate kadar hesap ask\u0131s\u0131 uygulamas\u0131na ve savc\u0131l\u0131\u011fa bildirim yap\u0131lmas\u0131na imk\u00e2n verir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"CMK_m128_kararina_itiraz_suresi_kac_gundur\"><\/span>CMK m.128 karar\u0131na itiraz s\u00fcresi ka\u00e7 g\u00fcnd\u00fcr?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>CMK m.268&#8217;in g\u00fcncel metnine g\u00f6re kanunda ayr\u0131ca \u00f6zel bir s\u00fcre \u00f6ng\u00f6r\u00fclmemi\u015fse itiraz, karar\u0131n \u00f6\u011frenildi\u011fi tarihten itibaren <strong>iki hafta<\/strong> i\u00e7inde yap\u0131l\u0131r.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Turkiyede_bulunmayan_yabanci_bloke_kaldirma_islemlerini_avukat_araciligiyla_yurutebilir_mi\"><\/span>T\u00fcrkiye\u2019de bulunmayan yabanc\u0131 bloke kald\u0131rma i\u015flemlerini avukat arac\u0131l\u0131\u011f\u0131yla y\u00fcr\u00fctebilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0130\u015flemin niteli\u011fine g\u00f6re yabanc\u0131, usul\u00fcne uygun vek\u00e2letname d\u00fczenleyerek T\u00fcrkiye\u2019de avukat arac\u0131l\u0131\u011f\u0131yla banka, savc\u0131l\u0131k ve mahkeme nezdindeki i\u015flemlerini y\u00fcr\u00fctebilir. Vek\u00e2letnamenin d\u00fczenlenme \u015fekli, tasdik veya apostil ihtiyac\u0131 yabanc\u0131n\u0131n bulundu\u011fu \u00fclkeye ve yap\u0131lacak i\u015fleme g\u00f6re ayr\u0131ca belirlenmelidir.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Banka_blokesi_nedeniyle_olusan_faiz_veya_ticari_zarar_istenebilir_mi\"><\/span>Banka blokesi nedeniyle olu\u015fan faiz veya ticari zarar istenebilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bankan\u0131n hukuka ayk\u0131r\u0131 ve kusurlu i\u015flemi ile zarar aras\u0131nda uygun nedensellik ba\u011f\u0131n\u0131n ispatlanmas\u0131 h\u00e2linde tazminat talebi g\u00fcndeme gelebilir. Ancak zarar kalemleri ve miktar\u0131 her somut olayda ayr\u0131 ayr\u0131 ispatlanmal\u0131d\u0131r.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sonuc\"><\/span>Sonu\u00e7<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yabanc\u0131lar\u0131n T\u00fcrkiye\u2019deki banka hesaplar\u0131na uygulanan k\u0131s\u0131tlamalarda en \u00f6nemli ad\u0131m, i\u015flemin hukuki kayna\u011f\u0131n\u0131n do\u011fru belirlenmesidir. 5549 m.19\/A kapsam\u0131ndaki yedi i\u015f g\u00fcnl\u00fck i\u015flem ertelemesi, CMK m.128 kapsam\u0131nda h\u00e2kim karar\u0131yla elkoyma, CMK m.128\/A kapsam\u0131ndaki 48 saatlik hesap ask\u0131s\u0131 ve bankalar\u0131n m\u00fc\u015fterini tan\u0131 y\u00fck\u00fcml\u00fcl\u00fcklerinden do\u011fan i\u015flem k\u0131s\u0131tlamalar\u0131 ayn\u0131 hukuki sonu\u00e7lara tabi de\u011fildir.<\/p>\n<p>Bu nedenle bankadan al\u0131nan belgeler, i\u015flem tarihleri, savc\u0131l\u0131k veya h\u00e2kimlik kararlar\u0131, para transferlerinin kayna\u011f\u0131 ve m\u00fc\u015fterinin kimlik\/KYC belgeleri birlikte incelenmelidir. \u00d6zellikle uluslararas\u0131 para transferi, \u015firket hesab\u0131ndan ki\u015fisel hesaba aktar\u0131m, kripto varl\u0131k i\u015flemleri veya yat\u0131r\u0131m amac\u0131yla T\u00fcrkiye\u2019ye fon getirilmesi s\u00f6z konusuysa fon kayna\u011f\u0131n\u0131 a\u00e7\u0131klayan belgelerin ba\u015ftan d\u00fczenli \u015fekilde haz\u0131rlanmas\u0131 \u00f6nem ta\u015f\u0131r.<\/p>\n<p>Yabanc\u0131lar hukuku kapsam\u0131ndaki di\u011fer konular i\u00e7in <a href=\"https:\/\/batinyilmaz.av.tr\/hizmet\/yabancilar-hukuku\/\">yabanc\u0131lar hukuku hizmet sayfam\u0131z\u0131<\/a>; ileti\u015fim bilgileri i\u00e7in <a href=\"https:\/\/batinyilmaz.av.tr\/iletisim\/\">ileti\u015fim sayfam\u0131z\u0131<\/a> inceleyebilirsiniz.<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"Yazar_Bilgisi\"><\/span>Yazar Bilgisi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Avukat Bat\u0131n YILMAZ<\/strong><br \/>\n\u0130stanbul Barosu Sicil No: 77008<\/p>\n<h3><span class=\"ez-toc-section\" id=\"TBB_Meslek_Kurallari_ve_Reklam_Yasagina_Uyum_Ibaresi\"><\/span>TBB Meslek Kurallar\u0131 ve Reklam Yasa\u011f\u0131na Uyum \u0130baresi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bu i\u00e7erik yaln\u0131zca genel hukuki bilgilendirme amac\u0131yla haz\u0131rlanm\u0131\u015ft\u0131r. Herhangi bir ki\u015fi veya kuruma y\u00f6nelik reklam, i\u015f sa\u011flama, m\u00fcvekkil edinme, y\u00f6nlendirme, mesleki \u00fcst\u00fcnl\u00fck iddias\u0131 veya hukuki sonu\u00e7 garantisi amac\u0131 ta\u015f\u0131maz.<\/p>\n<p>\u0130\u00e7erik haz\u0131rlan\u0131rken 1136 say\u0131l\u0131 Avukatl\u0131k Kanunu, T\u00fcrkiye Barolar Birli\u011fi Meslek Kurallar\u0131 ve <a href=\"https:\/\/www.barobirlik.org.tr\/Haberler\/duyuru-202445-84950\" target=\"_blank\" rel=\"noopener\">T\u00fcrkiye Barolar Birli\u011fi Reklam Yasa\u011f\u0131 Y\u00f6netmeli\u011fi<\/a> h\u00fck\u00fcmleri g\u00f6zetilmi\u015ftir. Buradaki a\u00e7\u0131klamalar somut bir uyu\u015fmazl\u0131k bak\u0131m\u0131ndan verilmi\u015f hukuki g\u00f6r\u00fc\u015f veya hukuki dan\u0131\u015fmanl\u0131k yerine ge\u00e7mez. Her olay kendi maddi vak\u0131alar\u0131, belgeleri, g\u00fcncel mevzuat\u0131 ve yetkili makamlar\u0131n de\u011ferlendirmesi \u00e7er\u00e7evesinde ayr\u0131ca incelenmelidir.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Iletisim_ve_Hukuki_Bilgilendirme\"><\/span>\u0130leti\u015fim ve Hukuki Bilgilendirme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Avukat Bat\u0131n YILMAZ<\/strong><br \/>\n\u0130stanbul Barosu Sicil No: 77008<\/p>\n<p>\nAdres: Yakuplu Mahallesi, H\u00fcrriyet Bulvar\u0131, Skyport Residence Kat:12 No:133, Beylikd\u00fcz\u00fc \/ \u0130stanbul<br \/>\nTelefon: +90 532 669 34 90<br \/>\nAlternatif Telefon: +90 532 732 34 90<br \/>\nE-posta: info@batinyilmaz.av.tr\n<\/p>\n<p>Bu ileti\u015fim b\u00f6l\u00fcm\u00fc yaln\u0131zca ileti\u015fim bilgilerinin payla\u015f\u0131lmas\u0131 amac\u0131yla yer almakta olup reklam, i\u015f sa\u011flama, m\u00fcvekkil edinme, mesleki \u00fcst\u00fcnl\u00fck veya herhangi bir hukuki sonucu garanti etme amac\u0131 ta\u015f\u0131maz.<\/p>\n<\/article>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Article\",\n      \"@id\": \"https:\/\/batinyilmaz.av.tr\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#article\",\n      \"headline\": \"Yabanc\u0131n\u0131n T\u00fcrkiye\u2019deki Banka Hesab\u0131na Bloke Konulmas\u0131: MASAK \u0130ncelemesi ve Blokenin Kald\u0131r\u0131lmas\u0131\",\n      \"description\": \"Yabanc\u0131lar\u0131n T\u00fcrkiye\u2019deki banka hesaplar\u0131na uygulanan MASAK i\u015flem ertelemesi, CMK 128 elkoymas\u0131, CMK 128\/A hesap ask\u0131s\u0131, banka KYC k\u0131s\u0131tlamalar\u0131 ve blokenin kald\u0131r\u0131lmas\u0131 yollar\u0131.\",\n      \"datePublished\": \"2026-09-30\",\n      \"dateModified\": \"2026-09-30\",\n      \"inLanguage\": \"tr-TR\",\n      \"author\": {\n        \"@type\": \"Person\",\n        \"name\": \"Avukat Bat\u0131n Y\u0131lmaz\",\n        \"url\": \"https:\/\/batinyilmaz.av.tr\/hakkimizda\/\"\n      },\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Bat\u0131n Y\u0131lmaz Avukatl\u0131k Ofisi\",\n        \"url\": \"https:\/\/batinyilmaz.av.tr\/\"\n      },\n      \"mainEntityOfPage\": {\n        \"@type\": \"WebPage\",\n        \"@id\": \"https:\/\/batinyilmaz.av.tr\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/\"\n      },\n      \"about\": [\n        \"MASAK\",\n        \"Banka hesab\u0131 blokesi\",\n        \"5549 say\u0131l\u0131 Kanun\",\n        \"CMK 128\",\n        \"CMK 128\/A\",\n        \"Yabanc\u0131lar hukuku\"\n      ]\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https:\/\/batinyilmaz.av.tr\/yabancinin-turkiyedeki-banka-hesabina-bloke-konulmasi\/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Banka hesab\u0131ma neden bloke konuldu\u011funu nas\u0131l \u00f6\u011frenebilirim?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Bankaya yaz\u0131l\u0131 ba\u015fvuru yap\u0131larak hesab\u0131n kullan\u0131m\u0131n\u0131 engelleyen i\u015flemin hukuki niteli\u011fi ara\u015ft\u0131r\u0131lmal\u0131d\u0131r. 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B\u00f6yle bir durumda \u00f6ncelikle cevaplanmas\u0131 gereken soru, k\u0131s\u0131tlaman\u0131n hangi hukuki nedene dayand\u0131\u011f\u0131d\u0131r. \u00c7\u00fcnk\u00fc MASAK kapsam\u0131nda i\u015flemlerin ertelenmesi, ceza soru\u015fturmas\u0131nda malvarl\u0131\u011f\u0131na elkoyma, CMK m.128\/A kapsam\u0131ndaki ge\u00e7ici hesap ask\u0131s\u0131 ve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/posts\/3648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/comments?post=3648"}],"version-history":[{"count":2,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/posts\/3648\/revisions"}],"predecessor-version":[{"id":3697,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/posts\/3648\/revisions\/3697"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/media\/3649"}],"wp:attachment":[{"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/media?parent=3648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/categories?post=3648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/fa\/wp-json\/wp\/v2\/tags?post=3648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}