{"id":46850,"date":"2026-09-12T06:23:44","date_gmt":"2026-09-12T06:23:44","guid":{"rendered":"https:\/\/trupropertyturkey.com\/sending-money-to-turkey-property-purchase\/"},"modified":"2026-09-12T06:23:44","modified_gmt":"2026-09-12T06:23:44","slug":"sending-money-to-turkey-property-purchase","status":"publish","type":"post","link":"https:\/\/trupropertyturkey.com\/ru\/sending-money-to-turkey-property-purchase\/","title":{"rendered":"Sending Money to Turkey for a Property Purchase"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46850\" class=\"elementor elementor-46850 elementor-bc-flex-widget\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-sendingms1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"sendingms1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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.sm-step-num{width:44px;height:44px;font-size:1rem}\n  .sm-steps::before{left:21px}\n  .sm-contact{padding:48px 0}\n}\n@media(max-width:480px){.smc{padding:0 14px}}\n<\/style>\n<div class=\"smw\">\n\n<!-- HERO -->\n<section class=\"sm-hero\">\n  <div class=\"sm-hero-bg\"><\/div>\n  <div class=\"sm-hero-pat\"><\/div>\n  <div class=\"sm-hero-ov\"><\/div>\n  <div class=\"sm-hero-content\">\n    <span class=\"sm-eyebrow\">Buying In Turkey &middot; Payments &amp; Currency &middot; Updated September 2026<\/span>\n    <h1>Sending Money to Turkey for a Property Purchase<\/h1>\n    <p class=\"sm-hero-sub\">Getting the funds into the country is not the hard part. Getting them in through the right channel, converted in the right order and documented in the right name is what decides whether your purchase, your citizenship application or your VAT exemption survives contact with the paperwork.<\/p>\n    <div class=\"sm-hero-meta\">\n      <div class=\"sm-hm\">&#128179; <strong>Convert before you pay, never after<\/strong><\/div>\n      <div class=\"sm-hm\">&#128220; <strong>The DAB must name the future owner<\/strong><\/div>\n      <div class=\"sm-hm\">&#127482;&#127479; <strong>Written for non-resident buyers<\/strong><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- DATA STRIP -->\n<div class=\"sm-strip\">\n  <div class=\"smc\">\n    <div class=\"sm-strip-in\">\n      <div class=\"sm-si\"><span class=\"sm-sv\">TRY<\/span><span class=\"sm-sl\">Currency The Seller Is Paid In<\/span><\/div>\n      <div class=\"sm-si\"><span class=\"sm-sv\">DAB<\/span><span class=\"sm-sl\">Certificate Proving The Conversion<\/span><\/div>\n      <div class=\"sm-si\"><span class=\"sm-sv\">1 Jul 2026<\/span><span class=\"sm-sl\">Secure Payment System Mandatory<\/span><\/div>\n      <div class=\"sm-si\"><span class=\"sm-sv\">99&hellip;<\/span><span class=\"sm-sl\">Foreign ID Needed To Bank<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- INTRO + DATA SHEET -->\n<section class=\"sms\">\n  <div class=\"smc\">\n    <div class=\"sm-2col\">\n      <div class=\"sm-body\">\n        <span class=\"smt\">Start Here<\/span>\n        <h2 class=\"sm-title\">The money has to arrive in a particular way, not just arrive<\/h2>\n        <p>Foreign buyers tend to treat the payment as the simple part of a Turkish purchase. The property is chosen, the price is agreed, the lawyer is instructed &mdash; and then someone sends a wire and assumes the rest is administration. In fact the movement of money is where a surprising share of Turkish transactions run into trouble, and almost always for the same reason: the funds arrived, but they arrived in a way that cannot be evidenced, or they were converted at the wrong moment, or they were converted in the wrong person&rsquo;s name.<\/p>\n        <p>Three separate requirements are in play at once, and they are easy to confuse. The seller must ultimately be paid in Turkish lira. The conversion from your currency into lira should be documented by a certificate your bank issues, known as a <strong>D&ouml;viz Al&#305;m Belgesi<\/strong> or DAB. And since 1 July 2026, the payment itself must travel through Turkey&rsquo;s mandatory secure payment system rather than passing directly from you to the seller, with funds released only once ownership is registered.<\/p>\n        <p>Each of those exists for a different reason &mdash; one is a currency rule, one is an evidence rule, one is a protection rule &mdash; and satisfying two out of three is not good enough if you are relying on the purchase for a citizenship application or a tax exemption. This guide sets out the sequence, what the certificate has to say, and the handful of errors that cannot be corrected afterwards.<\/p>\n        <div class=\"sm-hbox\">\n          <strong>The rule that governs everything else:<\/strong> convert the currency before the money reaches the seller, and make sure the conversion is recorded in the name of the person who will be registered on the title deed. A conversion carried out after payment does not document the funds used for the purchase, and a certificate in a spouse&rsquo;s, relative&rsquo;s or company&rsquo;s name does not document you. Neither can be repaired retrospectively.\n        <\/div>\n        <p>The guidance below is written for buyers who are not resident in Turkey and are moving money from abroad. If you want the mechanics of how the funds are then held and released at completion, our guide to <a href=\"https:\/\/trupropertyturkey.com\/escrow-account-in-turkey\/\">escrow accounts in Turkey<\/a> and our explanation of the <a href=\"https:\/\/trupropertyturkey.com\/turkey-secure-payment-system-foreign-buyers-2026\/\">secure payment system<\/a> cover that side in detail.<\/p>\n      <\/div>\n      <div>\n        <div class=\"sm-ov\">\n          <div class=\"sm-ov-head\">\n            <h3>Moving Money &mdash; Key Points<\/h3>\n            <p>What has to be true about the funds before completion<\/p>\n          <\/div>\n          <div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Seller is paid in<\/span><span class=\"sm-or\">Turkish lira<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Conversion carried out by<\/span><span class=\"sm-or\">A bank in Turkey<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Certificate produced<\/span><span class=\"sm-or burg\">D&ouml;viz Al&#305;m Belgesi (DAB)<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">DAB issued by<\/span><span class=\"sm-or\">Your Turkish bank<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">DAB must name<\/span><span class=\"sm-or\">The future registered owner<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Correct timing<\/span><span class=\"sm-or\">Convert before paying the seller<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Filed through<\/span><span class=\"sm-or\">Web-Tapu, before the appointment<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Payment channel<\/span><span class=\"sm-or\">Secure payment system<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Mandatory since<\/span><span class=\"sm-or\">1 July 2026<\/span><\/div>\n            <div class=\"sm-ov-row\"><span class=\"sm-ol\">Bank account needs<\/span><span class=\"sm-or\">Tax number beginning 99<\/span><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"sm-warn\">\n          <strong>No figures quoted here.<\/strong> Bank charges, exchange spreads, transfer fees and registry costs vary by institution and are revised frequently, so we have not stated any. Ask your own bank for its rate and fees in writing before you convert, and confirm anything with tax or immigration consequences with a licensed Turkish adviser or your conveyancer.\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- THE DAB -->\n<section class=\"sms smg\">\n  <div class=\"smc smct\">\n    <span class=\"smt\">The Certificate<\/span>\n    <h2 class=\"sm-title\">What a DAB is, and what it has to say<\/h2>\n    <p class=\"sm-sub\">It is not a transfer receipt and not a bank statement. It is a specific document recording a specific conversion, in a specific name.<\/p>\n  <\/div>\n  <div class=\"smc\">\n    <div class=\"sm-body\" style=\"max-width:860px;margin:0 auto;\">\n\n      <h3>A record of a conversion, not of a transfer<\/h3>\n      <p>The distinction matters more than it sounds. A SWIFT confirmation shows that money left one account and reached another. A DAB shows that a stated quantity of foreign currency was exchanged into Turkish lira at a named bank, on a named date, at a stated rate, for a named person. When a Turkish authority wants to know that foreign capital genuinely entered the country and was brought into the local currency through official channels, the transfer receipt does not answer the question and the certificate does.<\/p>\n      <p>A DAB will normally record the buyer&rsquo;s full name and passport number, the foreign currency and the amount converted, the Turkish lira amount received, the exchange rate applied, the date and time of the transaction, the bank&rsquo;s name, branch and official stamp, and a unique transaction reference. Keep the original. Keep the translation if one is prepared. And keep the SWIFT confirmation alongside it, because the two together tell the complete story of where the funds came from and what happened to them on arrival.<\/p>\n\n      <h3>Where the certificate is unavoidable<\/h3>\n      <p>There are two situations in which a DAB is not a matter of prudence but a condition of the outcome you are seeking.<\/p>\n      <p>The first is <strong>Turkish citizenship by investment<\/strong>. The property route requires a qualifying investment of at least USD 400,000, confirmed by a valuation report from a licensed appraiser and accompanied by a commitment not to sell for three years. The framework was unchanged through 2026. Because the qualifying amount is expressed in dollars while the purchase settles in lira, the certificate is what proves the dollar equivalent was genuinely brought in and converted &mdash; and the figure it shows has to meet the threshold, not come close to it. A certificate that lands slightly under because of an unfavourable rate on the day is a rejected application, not a rounding error. Our overview of the <a href=\"https:\/\/trupropertyturkey.com\/turkish-citizenship\/\">Turkish citizenship by investment programme<\/a> covers the wider requirements.<\/p>\n      <p>The second is the <strong>VAT exemption<\/strong> available to certain non-resident foreign buyers on qualifying first-hand purchases. That relief is conditioned on the funds being brought into Turkey as foreign currency through the banking system, with the money traced to the same person named on the sales invoice. Turkish practitioners commonly describe the payment conditions as requiring a substantial share of the price &mdash; typically at least half &mdash; to be paid before the title deed is issued, with the balance transferred into Turkey within a year. Those conditions are detailed and unforgiving, and they are exactly the sort of thing that changes, so treat the shape of the rule as the takeaway and confirm the current detail with your adviser. Our guide to <a href=\"https:\/\/trupropertyturkey.com\/taxes-in-turkey-for-foreigners\/\">taxes in Turkey for foreigners<\/a> sets out the broader tax position.<\/p>\n\n      <h3>And where the position is less clear-cut<\/h3>\n      <p>For an ordinary purchase &mdash; a holiday apartment, a family home, an investment flat, with no citizenship application and no VAT claim &mdash; the picture reported by Turkish practitioners is less uniform. Some describe the currency conversion obligation as applying to every foreign buyer paying in foreign currency; others frame the DAB primarily as a requirement of the citizenship and VAT routes. We are not going to pretend that ambiguity does not exist, because buyers encounter contradictory advice on precisely this point and deserve to know why.<\/p>\n      <p>The practical resolution is straightforward. Obtaining a DAB costs very little and takes minutes at the counter where you are already converting the money. Not having one, in a case where it turns out to be needed, can cost you an application. Ask your bank and your conveyancer to confirm the position for your specific transaction, and in the meantime get the certificate. It is the cheapest insurance in the whole purchase.<\/p>\n\n      <div class=\"sm-hbox\">\n        <strong>A note on where it gets filed.<\/strong> The certificate is generally submitted through the Web-Tapu portal ahead of the Land Registry appointment rather than produced on the day. That means it needs to exist and be in the correct name well before completion &mdash; another reason the conversion cannot be left until the last moment. Your conveyancer or the holder of your <a href=\"https:\/\/trupropertyturkey.com\/power-of-attorney-turkey-property\/\">power of attorney<\/a> will normally handle the upload.\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- STEPS -->\n<section class=\"sms\">\n  <div class=\"smc smct\">\n    <span class=\"smt\">The Sequence<\/span>\n    <h2 class=\"sm-title\">Moving the money, in order<\/h2>\n    <p class=\"sm-sub\">The order is the substance. Every one of these steps produces something the next step needs, and two of them cannot be done retrospectively at all.<\/p>\n  <\/div>\n  <div class=\"smc\">\n    <div class=\"sm-steps\" style=\"max-width:820px;margin-left:auto;margin-right:auto;\">\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">1<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Get a Turkish tax number<\/h3>\n          <p>Nothing else can start without it. Foreign nationals receive an identification number beginning with 99, which serves as the tax number and is required to open a bank account. It is free and issued quickly. See our guide to the <a href=\"https:\/\/trupropertyturkey.com\/turkish-tax-number-for-foreigners\/\">Turkish tax number for foreigners<\/a>.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">2<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Open a bank account in Turkey in your own name<\/h3>\n          <p>In the name of the person who will appear on the title deed &mdash; not a spouse, not a company, unless that entity is genuinely the buyer. This is the account that will receive the transfer, perform the conversion and pay the running costs afterwards. Our guide to <a href=\"https:\/\/trupropertyturkey.com\/opening-a-bank-account-in-turkey\/\">opening a bank account in Turkey<\/a> covers the documents.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">3<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Prepare your source-of-funds evidence before you send anything<\/h3>\n          <p>Turkish banks apply anti-money-laundering checks to inbound transfers of this size, and a large sum arriving from abroad with no explanation attached is the single most common cause of funds being frozen pending enquiries. Have the evidence ready: sale contracts, investment statements, employment or business records, inheritance documents &mdash; whatever genuinely explains the origin.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">4<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Transfer the funds through the banking system<\/h3>\n          <p>Use a conventional bank transfer into your own Turkish account and keep the SWIFT confirmation. Avoid informal transfer arrangements and third-party intermediaries entirely: they break the audit trail, they leave you without the documents you will be asked for, and they defeat the point of every rule described here.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">5<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Convert to Turkish lira and request the DAB<\/h3>\n          <p>Do this before any money reaches the seller. Ask the bank explicitly for the D&ouml;viz Al&#305;m Belgesi at the time of conversion, check the name and passport number on it before you leave, and confirm the amount shown. If you are buying for citizenship, verify that the recorded amount clears the threshold rather than sitting on it.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">6<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Pay through the secure payment system<\/h3>\n          <p>Since 1 July 2026 the funds must move to the seller through Turkey&rsquo;s mandatory secure payment channel, where they are held and released only once the transfer of ownership is registered at the Land Registry. This applies to partial payments as well as the balance. A request to pay around it is a reason to stop, not a convenience.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">7<\/div>\n        <div class=\"sm-step-body\">\n          <h3>File the certificate ahead of the registry appointment<\/h3>\n          <p>The DAB is normally submitted through Web-Tapu before the Land Registry appointment rather than handed over on the day. Give your conveyancer the original and any required translation in good time, and check that the name on the certificate matches the name on the application exactly.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"sm-step\">\n        <div class=\"sm-step-num\">8<\/div>\n        <div class=\"sm-step-body\">\n          <h3>Keep the whole file after completion<\/h3>\n          <p>The DAB, the SWIFT confirmations, the bank statements and the receipts belong together and should be retained. You may need them for a citizenship application, a VAT claim, a future capital gains calculation, or to demonstrate the cost base when you eventually sell. Reconstructing them years later ranges from difficult to impossible.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CARDS -->\n<section class=\"sms smg\">\n  <div class=\"smc smct\">\n    <span class=\"smt\">Avoid These<\/span>\n    <h2 class=\"sm-title\">Six ways buyers break the chain<\/h2>\n    <p class=\"sm-sub\">Every one of these is easy to prevent beforehand. Several of them cannot be fixed at all afterwards.<\/p>\n  <\/div>\n  <div class=\"smc\">\n    <div class=\"sm-protect\">\n      <div class=\"sm-pc\"><span class=\"sm-pc-icon\">&#128260;<\/span><h3>Converting after paying<\/h3><p>The certificate must document the funds actually used for the purchase. Convert first; paperwork requested afterwards will not do the job.<\/p><\/div>\n      <div class=\"sm-pc\"><span class=\"sm-pc-icon\">&#128100;<\/span><h3>The wrong name on the DAB<\/h3><p>It must be the person going on the title deed. A spouse, a relative who sent the wire or a controlled company will not be accepted.<\/p><\/div>\n      <div class=\"sm-pc\"><span class=\"sm-pc-icon\">&#128176;<\/span><h3>Landing just under the threshold<\/h3><p>On the citizenship route the recorded amount must clear USD 400,000. An unfavourable rate on the day is a rejection, not a rounding issue.<\/p><\/div>\n      <div class=\"sm-pc\"><span class=\"sm-pc-icon\">&#9888;&#65039;<\/span><h3>Paying outside the secure system<\/h3><p>Direct payment to the seller has not been permitted since 1 July 2026, and it strips away the protection that release-on-registration provides.<\/p><\/div>\n      <div class=\"sm-pc\"><span class=\"sm-pc-icon\">&#128269;<\/span><h3>No source-of-funds evidence<\/h3><p>Large inbound transfers attract compliance review. Without documentation explaining the origin, funds can be held while enquiries run.<\/p><\/div>\n      <div class=\"sm-pc\"><span class=\"sm-pc-icon\">&#128465;&#65039;<\/span><h3>Discarding the paperwork<\/h3><p>The file supports citizenship, VAT relief and your future capital gains position. Years later it cannot be reconstructed.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- TABLE -->\n<section class=\"sms\">\n  <div class=\"smc smct\">\n    <span class=\"smt\">By Purchase Type<\/span>\n    <h2 class=\"sm-title\">What the money rules require of you<\/h2>\n    <p class=\"sm-sub\">The channel and the currency are the same in every case. What changes is how strictly the evidence is examined, and what you lose if it is wrong.<\/p>\n  <\/div>\n  <div class=\"smc\">\n    <div class=\"sm-compare-wrap\">\n      <table class=\"sm-compare\">\n        <thead>\n          <tr><th>Requirement<\/th><th>Ordinary purchase<\/th><th>Citizenship route<\/th><th>VAT exemption claim<\/th><\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Seller paid in Turkish lira<\/td><td class=\"yes\">Yes<\/td><td class=\"yes\">Yes<\/td><td class=\"yes\">Yes<\/td><\/tr>\n          <tr><td>Secure payment system<\/td><td class=\"yes\">Mandatory<\/td><td class=\"yes\">Mandatory<\/td><td class=\"yes\">Mandatory<\/td><\/tr>\n          <tr><td>Turkish bank account<\/td><td class=\"yes\">In practice yes<\/td><td class=\"yes\">Yes<\/td><td class=\"yes\">Yes<\/td><\/tr>\n          <tr><td>DAB certificate<\/td><td>Strongly advised &mdash; confirm your case<\/td><td class=\"yes\">Required<\/td><td class=\"yes\">Required<\/td><\/tr>\n          <tr><td>DAB in the buyer&rsquo;s own name<\/td><td class=\"yes\">Yes, if obtained<\/td><td class=\"yes\">Strictly enforced<\/td><td class=\"yes\">Strictly enforced<\/td><\/tr>\n          <tr><td>Minimum recorded amount<\/td><td class=\"no\">None<\/td><td class=\"yes\">USD 400,000 equivalent<\/td><td class=\"no\">No fixed minimum<\/td><\/tr>\n          <tr><td>Licensed valuation report<\/td><td class=\"no\">Not generally required<\/td><td class=\"yes\">Required<\/td><td class=\"no\">Not for this purpose<\/td><\/tr>\n          <tr><td>Funds must originate abroad<\/td><td class=\"no\">Not a formal condition<\/td><td class=\"yes\">Yes<\/td><td class=\"yes\">Yes<\/td><\/tr>\n          <tr><td>Timing conditions on payment<\/td><td class=\"no\">None beyond the contract<\/td><td class=\"yes\">Before the application<\/td><td class=\"yes\">Yes &mdash; confirm current terms<\/td><\/tr>\n          <tr><td>Consequence of getting it wrong<\/td><td>Delay at the registry<\/td><td class=\"no\">Application refused<\/td><td class=\"no\">Relief lost<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <div class=\"sm-body\" style=\"max-width:860px;margin:28px auto 0;\">\n      <p>Read down the last row rather than across the top. For an ordinary purchase, a mistake in the money chain is an inconvenience: an appointment is postponed, a document is re-issued, the transaction completes a week later than planned. For the citizenship and VAT routes, the same mistake removes the benefit you were buying for, and does so at a point when the money has already gone and the property is already yours. The rules are identical; what differs is how expensive it is to get them wrong.<\/p>\n      <p>That asymmetry should shape how much care you take. If your purchase has no application riding on it, the sensible approach is to follow the sequence properly, keep the paperwork, and not lose sleep. If it does, treat every step as if it will be audited &mdash; because it will be. And in either case, do not let a seller, an agent or a well-meaning acquaintance persuade you that an informal route is faster. It is faster right up until the moment it is not.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- WHAT IT DOES NOT COVER -->\n<section class=\"sms smg\">\n  <div class=\"smc\">\n    <div class=\"sm-body\" style=\"max-width:860px;margin:0 auto;\">\n      <span class=\"smt\">Also Worth Knowing<\/span>\n      <h2 class=\"sm-title\">Three things the money rules do not do for you<\/h2>\n      <p>It is easy to read all this and conclude that a compliant payment chain means a safe purchase. It does not. The currency and payment rules govern how money moves; they say nothing at all about whether the thing you are buying is what you think it is.<\/p>\n      <p><strong>They do not check the title.<\/strong> The secure payment system releases funds against registration of the transfer, which protects you from a seller who takes the money and does not complete. It does not protect you from a property that carries a mortgage, an attachment, a forest annotation or a resale restriction you did not read. That work is separate, and it belongs before payment rather than after. Our guide to the <a href=\"https:\/\/trupropertyturkey.com\/tapu-title-deed-turkey\/\">Turkish title deed<\/a> explains what to look for.<\/p>\n      <p><strong>They do not tell you whether the price is sensible.<\/strong> A valuation report is required on the citizenship route precisely because the threshold has to be tested against something other than the parties&rsquo; own agreement. On an ordinary purchase nobody will stop you paying too much. If you are buying at a distance, in a market you do not know well, commissioning an independent valuation is worth considerably more than it costs.<\/p>\n      <p><strong>They do not make an under-declaration safe.<\/strong> Buyers are still occasionally invited to record a lower price on the deed than the one actually paid, usually framed as a saving on transfer costs. Leave aside the legal exposure: it also puts your declared purchase price permanently out of line with the money your own bank records show entering the country, which is precisely the mismatch these rules are designed to detect. It also raises your eventual capital gain. Our guide to the <a href=\"https:\/\/trupropertyturkey.com\/buying-property-in-turkey-pitfalls\/\">pitfalls foreign buyers fall into<\/a> covers this and the other recurring traps.<\/p>\n      <div class=\"sm-warn\">\n        <strong>Confirm current rules before you act.<\/strong> Turkish currency, tax and citizenship requirements change, and thresholds and conditions are revised without much notice. Nothing here is legal, tax or financial advice. Confirm the position that applies to your own transaction with a licensed Turkish adviser, your conveyancer and your bank before you transfer or convert anything.\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CTA -->\n<div class=\"sm-cta-strip\">\n  <div class=\"smc\">\n    <div class=\"sm-cta-in\">\n      <div>\n        <h3>Want the payment chain set up correctly from the start?<\/h3>\n        <p>We work with licensed Turkish conveyancers and banks, and every transaction we handle settles through the secure payment system.<\/p>\n      <\/div>\n      <a href=\"https:\/\/trupropertyturkey.com\/contact\/\" class=\"smbtn\">Speak to Our Team &rarr;<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<section class=\"sms\">\n  <div class=\"smc smct\">\n    <span class=\"smt\">FAQ<\/span>\n    <h2 class=\"sm-title\">Sending money to Turkey &mdash; frequently asked questions<\/h2>\n    <p class=\"sm-sub\">The questions foreign buyers ask most often about currency, certificates and getting funds safely into a Turkish transaction.<\/p>\n  <\/div>\n  <div class=\"smc\">\n    <div class=\"sm-faq-list\">\n      <div class=\"sm-faq-item\">\n        <div class=\"sm-faq-q\" onclick=\"smFaq(this)\">What is a D\u00f6viz Al\u0131m Belgesi (DAB)?<span class=\"sm-faq-icon\">+<\/span><\/div>\n        <div class=\"sm-faq-a\">A D\u00f6viz Al\u0131m Belgesi, usually shortened to DAB and translated as a foreign exchange purchase certificate, is a document issued by a bank in Turkey confirming that a stated amount of foreign currency was converted into Turkish lira through that bank. It is not a receipt for a transfer; it is evidence of a conversion. A DAB typically records the buyer's full name and passport number, the foreign currency and amount, the Turkish lira amount received, the exchange rate applied, the date and time of the transaction, the bank's name, branch and stamp, and a unique reference number. Because it names a specific person, it is the document that ties the money entering Turkey to the individual who will appear on the title deed.<\/div>\n      <\/div>\n      <div class=\"sm-faq-item\">\n        <div class=\"sm-faq-q\" onclick=\"smFaq(this)\">Do I have to convert my money into Turkish lira to buy property in Turkey?<span class=\"sm-faq-icon\">+<\/span><\/div>\n        <div class=\"sm-faq-a\">The payment reaching the seller is made in Turkish lira, so a conversion happens somewhere in the chain regardless. What varies is whether you are formally required to hold a DAB documenting it. For two situations the answer is unambiguous: if you are buying to support a Turkish citizenship by investment application, or if you intend to claim the VAT exemption available to certain foreign buyers, the conversion must be evidenced by a DAB in your own name and the certificate becomes part of the file. For an ordinary purchase with neither of those aims, practice reported by Turkish practitioners is less uniform, and some describe the requirement as applying to all foreign buyers paying in foreign currency. Because the cost of obtaining a DAB is trivial and the cost of not having one can be a rejected application, ask your bank and your conveyancer to confirm your specific case and obtain one anyway.<\/div>\n      <\/div>\n      <div class=\"sm-faq-item\">\n        <div class=\"sm-faq-q\" onclick=\"smFaq(this)\">Can I pay the seller directly in euros or dollars from my home bank?<span class=\"sm-faq-icon\">+<\/span><\/div>\n        <div class=\"sm-faq-a\">No, and this is the assumption that causes the most damage. Two separate rules stand in the way. First, the seller is paid in Turkish lira, so a direct foreign currency payment does not discharge the price in the way you might expect. Second, since 1 July 2026 payments for the sale and purchase of real estate in Turkey must pass through the government-mandated secure payment system rather than moving directly from buyer to seller, with funds released only once the transfer of ownership is registered. A seller or agent who suggests routing money around either rule is not offering you a shortcut; they are asking you to give up the protection the system exists to provide, and in the citizenship and VAT cases they are also asking you to destroy your own evidence.<\/div>\n      <\/div>\n      <div class=\"sm-faq-item\">\n        <div class=\"sm-faq-q\" onclick=\"smFaq(this)\">What is the most common mistake foreign buyers make with the DAB?<span class=\"sm-faq-icon\">+<\/span><\/div>\n        <div class=\"sm-faq-a\">Getting the order wrong. The conversion must happen before the money reaches the seller, because the certificate has to document the funds that were actually used for the purchase. Buyers who pay first and then ask the bank for paperwork afterwards find that what they receive does not do the job. The second most common mistake is the name on the certificate. The DAB must be in the name of the person who will be registered as the owner on the title deed \u2014 not a spouse, not a relative who happened to make the transfer, not a company the buyer controls. A mismatch between the name on the DAB and the name going on the deed is one of the few problems that cannot be repaired after the fact.<\/div>\n      <\/div>\n      <div class=\"sm-faq-item\">\n        <div class=\"sm-faq-q\" onclick=\"smFaq(this)\">How does the DAB fit together with the secure payment system?<span class=\"sm-faq-icon\">+<\/span><\/div>\n        <div class=\"sm-faq-a\">They answer two different questions and both have to be satisfied. The DAB proves where the money came from and that it was converted into Turkish lira through the Turkish banking system in your name. The secure payment system governs how the money then reaches the seller: it is held and released only against registration of the transfer at the Land Registry, so the seller cannot take the funds and fail to complete. One is evidence, the other is protection. In practice they sit next to each other in the same sequence \u2014 money arrives in Turkey, is converted and documented, then moves through the secure payment channel to completion.<\/div>\n      <\/div>\n      <div class=\"sm-faq-item\">\n        <div class=\"sm-faq-q\" onclick=\"smFaq(this)\">Do I need a Turkish bank account to buy property in Turkey?<span class=\"sm-faq-icon\">+<\/span><\/div>\n        <div class=\"sm-faq-a\">In practical terms, yes. You need an account in Turkey to receive the incoming transfer, to carry out the currency conversion that generates the DAB, and to pay for everything that follows completion \u2014 the annual property tax, the DASK policy, the building service charge and the utility subscriptions, all of which expect a Turkish payment instruction. Opening an account requires a Turkish tax number, which for foreign nationals is an identification number beginning with 99, along with your passport and normally proof of address. Arrange the tax number first, then the account, then move the money. Buyers who leave the account until the week of completion are the ones who end up delaying their own transfer.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- FURTHER READING -->\n<section class=\"sms smg\">\n  <div class=\"smc smct\">\n    <span class=\"smt\">Keep Reading<\/span>\n    <h2 class=\"sm-title\">Where to go next<\/h2>\n    <p class=\"sm-sub\">The rest of our foreign-buyer library, from the payment mechanics to the citizenship route and the title work behind both.<\/p>\n  <\/div>\n  <div class=\"smc\">\n    <div class=\"sm-body\" style=\"max-width:820px;margin:0 auto;\">\n      <ul>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/escrow-account-in-turkey\/\">Escrow accounts in Turkey<\/a> &mdash; how funds are held and released at completion.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/turkey-secure-payment-system-foreign-buyers-2026\/\">The secure payment system<\/a> &mdash; what changed on 1 July 2026.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/opening-a-bank-account-in-turkey\/\">Opening a bank account in Turkey<\/a> &mdash; the account the money lands in.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/turkish-tax-number-for-foreigners\/\">Turkish tax number for foreigners<\/a> &mdash; the first step in the chain.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/turkish-citizenship\/\">Turkish citizenship by investment<\/a> &mdash; the property route and its thresholds.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/taxes-in-turkey-for-foreigners\/\">Taxes in Turkey for foreigners<\/a> &mdash; where the VAT exemption sits.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/buying-property-in-turkey-pitfalls\/\">Pitfalls foreign buyers fall into<\/a> &mdash; the recurring, avoidable mistakes.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/turkey-property-guides\/\">Turkey property guides<\/a> &mdash; the full library for foreign buyers.<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CONTACT -->\n<section class=\"sm-contact\" id=\"sm-contact\">\n  <div class=\"smc\">\n    <div class=\"sm-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Move Money Safely<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Get the payment chain right the first time<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">Tell us what you are buying and what you need it to achieve. We will set out the sequence for your case &mdash; tax number, account, transfer, conversion, certificate and settlement &mdash; and coordinate with licensed Turkish conveyancers so nothing is done in the wrong order.<\/p>\n        <div class=\"sm-contact-meta\">\n          <div class=\"sm-ci\"><span>&#128179;<\/span><span class=\"sm-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Payments &amp; Settlement<\/strong><a href=\"https:\/\/trupropertyturkey.com\/escrow-account-in-turkey\/\">Escrow and secure payment &rarr;<\/a><\/span><\/div>\n          <div class=\"sm-ci\"><span>&#128220;<\/span><span class=\"sm-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Title &amp; Due Diligence<\/strong><a href=\"https:\/\/trupropertyturkey.com\/legal-services\/\">Legal services &rarr;<\/a><\/span><\/div>\n          <div class=\"sm-ci\"><span>&#127758;<\/span><span class=\"sm-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Offices<\/strong><span>Dubai &middot; Istanbul &middot; Moscow<\/span><\/span><\/div>\n        <\/div>\n        <div style=\"margin-top:24px;\">\n          <a href=\"https:\/\/trupropertyturkey.com\/contact\/\" class=\"smbg\">Get in Touch &rarr;<\/a>\n        <\/div>\n      <\/div>\n      <div class=\"sm-form-wrap\">\n        <iframe aria-label=\"Contact Us\" frameborder=\"0\" style=\"height:520px;width:100%;border:none;display:block;\" data-src=\"https:\/\/forms.zohopublic.com\/elchintru1\/form\/ContactUs\/formperma\/_DensyNXfgDItjE-TsZ92uQERcSIhTnizr-QPf3wrBk\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"sm-footer-strip\">\n  &copy; 2026 TruProperty Turkey &middot; Dubai &middot; Istanbul &middot; Moscow<br>\n  <a href=\"https:\/\/trupropertyturkey.com\/buyer-guide\/\">Buyer&rsquo;s Guide<\/a> &middot; <a href=\"https:\/\/trupropertyturkey.com\/escrow-account-in-turkey\/\">Escrow &amp; Payments<\/a> &middot; <a href=\"https:\/\/trupropertyturkey.com\/contact\/\">Contact<\/a>\n<\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"@id\": \"https:\/\/trupropertyturkey.com\/sending-money-to-turkey-property-purchase\/#faq\",\n  \"url\": \"https:\/\/trupropertyturkey.com\/sending-money-to-turkey-property-purchase\/\",\n  \"name\": \"Sending Money to Turkey for a Property Purchase \u2014 Frequently Asked Questions\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is a D\u00f6viz Al\u0131m Belgesi (DAB)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A D\u00f6viz Al\u0131m Belgesi, usually shortened to DAB and translated as a foreign exchange purchase certificate, is a document issued by a bank in Turkey confirming that a stated amount of foreign currency was converted into Turkish lira through that bank. It is not a receipt for a transfer; it is evidence of a conversion. A DAB typically records the buyer's full name and passport number, the foreign currency and amount, the Turkish lira amount received, the exchange rate applied, the date and time of the transaction, the bank's name, branch and stamp, and a unique reference number. Because it names a specific person, it is the document that ties the money entering Turkey to the individual who will appear on the title deed.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do I have to convert my money into Turkish lira to buy property in Turkey?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The payment reaching the seller is made in Turkish lira, so a conversion happens somewhere in the chain regardless. What varies is whether you are formally required to hold a DAB documenting it. For two situations the answer is unambiguous: if you are buying to support a Turkish citizenship by investment application, or if you intend to claim the VAT exemption available to certain foreign buyers, the conversion must be evidenced by a DAB in your own name and the certificate becomes part of the file. For an ordinary purchase with neither of those aims, practice reported by Turkish practitioners is less uniform, and some describe the requirement as applying to all foreign buyers paying in foreign currency. Because the cost of obtaining a DAB is trivial and the cost of not having one can be a rejected application, ask your bank and your conveyancer to confirm your specific case and obtain one anyway.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I pay the seller directly in euros or dollars from my home bank?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, and this is the assumption that causes the most damage. Two separate rules stand in the way. First, the seller is paid in Turkish lira, so a direct foreign currency payment does not discharge the price in the way you might expect. Second, since 1 July 2026 payments for the sale and purchase of real estate in Turkey must pass through the government-mandated secure payment system rather than moving directly from buyer to seller, with funds released only once the transfer of ownership is registered. A seller or agent who suggests routing money around either rule is not offering you a shortcut; they are asking you to give up the protection the system exists to provide, and in the citizenship and VAT cases they are also asking you to destroy your own evidence.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the most common mistake foreign buyers make with the DAB?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Getting the order wrong. The conversion must happen before the money reaches the seller, because the certificate has to document the funds that were actually used for the purchase. Buyers who pay first and then ask the bank for paperwork afterwards find that what they receive does not do the job. The second most common mistake is the name on the certificate. The DAB must be in the name of the person who will be registered as the owner on the title deed \u2014 not a spouse, not a relative who happened to make the transfer, not a company the buyer controls. A mismatch between the name on the DAB and the name going on the deed is one of the few problems that cannot be repaired after the fact.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How does the DAB fit together with the secure payment system?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"They answer two different questions and both have to be satisfied. The DAB proves where the money came from and that it was converted into Turkish lira through the Turkish banking system in your name. The secure payment system governs how the money then reaches the seller: it is held and released only against registration of the transfer at the Land Registry, so the seller cannot take the funds and fail to complete. One is evidence, the other is protection. In practice they sit next to each other in the same sequence \u2014 money arrives in Turkey, is converted and documented, then moves through the secure payment channel to completion.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do I need a Turkish bank account to buy property in Turkey?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In practical terms, yes. You need an account in Turkey to receive the incoming transfer, to carry out the currency conversion that generates the DAB, and to pay for everything that follows completion \u2014 the annual property tax, the DASK policy, the building service charge and the utility subscriptions, all of which expect a Turkish payment instruction. Opening an account requires a Turkish tax number, which for foreign nationals is an identification number beginning with 99, along with your passport and normally proof of address. 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Getting them in through the right channel, converted in the right order and documented in the right name is what decides whether your purchase, your [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":24589,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[140],"tags":[],"class_list":["post-46850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Sending Money to Turkey to Buy Property<\/title>\n<meta name=\"description\" content=\"Sending money to Turkey for a property purchase: how the transfer, the lira conversion and the DAB certificate work, and the sequence you must not break.\" \/>\n<meta name=\"robots\" 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