{"id":3848,"date":"2022-04-17T12:03:24","date_gmt":"2022-04-17T09:03:24","guid":{"rendered":"https:\/\/www.paytr.com\/blog\/?p=3848"},"modified":"2025-06-23T10:18:08","modified_gmt":"2025-06-23T07:18:08","slug":"eft-nedir","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/eft-nedir","title":{"rendered":"EFT Nedir? EFT ile Havale Aras\u0131ndaki Fark Nedir?"},"content":{"rendered":"\n<p><strong>EFT<\/strong>, iki farkl\u0131 banka aras\u0131nda yap\u0131lan TL cinsinden para transferlerini ifade etmektedir. G\u00fcndelik bankac\u0131l\u0131k i\u015flemlerinde yayg\u0131n olarak kullan\u0131lan havale \u00f6demeleri ile s\u0131kl\u0131kla kar\u0131\u015ft\u0131r\u0131lan EFT i\u015flemleri, havale ile baz\u0131 farklara da sahiptir. <strong>EFT nedir<\/strong> sorusunun yan\u0131t\u0131n\u0131 verirken bu t\u00fcr farklar\u0131n dikkate al\u0131narak de\u011ferlendirilmesi gerekir. EFT i\u015flemlerinde 4 ana unsur bulunmaktad\u0131r. Bu unsurlar aras\u0131nda yap\u0131lacak t\u00fcm TL para transfer i\u015flemleri EFT kapsam\u0131nda de\u011ferlendirilmektedir.&nbsp;<\/p>\n\n\n\n<p>\u0130ki farkl\u0131 banka hesab\u0131 aras\u0131nda ger\u00e7ekle\u015ftirilen para transferlerini ifade eden EFT i\u015flemlerinde ana unsurlar \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>G\u00f6nderen<\/li>\n\n\n\n<li>Al\u0131c\u0131&nbsp;<\/li>\n\n\n\n<li>G\u00f6nderen Bankas\u0131&nbsp;<\/li>\n\n\n\n<li>Al\u0131c\u0131 Bankas\u0131&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>S\u00f6z konusu bilgilerin do\u011fru ve eksiksiz bir \u015fekilde girilmesinin ard\u0131ndan EFT i\u015flemleri ba\u015far\u0131l\u0131 bir \u015fekilde yap\u0131labilmektedir. Havale ile benzer ad\u0131mlar ve metotlar\/ara\u00e7lar kullan\u0131larak ger\u00e7ekle\u015ftirilen EFT i\u015flemlerinde temel fark s\u00fcreler olacakt\u0131r. EFT yaparken mutlaka paran\u0131n hesaba ne kadar s\u00fcrede ge\u00e7ece\u011finiz hesaplaman\u0131z ve buna g\u00f6re i\u015flem ger\u00e7ekle\u015ftirmeniz olas\u0131 aksamalar\u0131n ya\u015fanmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7ecektir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-elektronik-fon-transferi\">EFT (Elektronik Fon Transferi)<\/h2>\n\n\n\n<p>EFT, Elektronik Fon Transferinin k\u0131salt\u0131lm\u0131\u015f halidir. T\u00fcrkiye\u2019de ilk defa 1992 y\u0131l\u0131nda T\u00fcrkiye Cumhuriyeti Merkez Bankas\u0131 (TCMB) b\u00fcnyesinde sistemin devreye girmesiyle ba\u015flam\u0131\u015f ve iki farkl\u0131 banka aras\u0131nda TL cinsinden t\u00fcm \u00f6demelerin ger\u00e7ekle\u015ftirilmesi i\u015flemi olarak tan\u0131mlanm\u0131\u015ft\u0131r. \u00d6rnek vermek gerekirse A bankas\u0131nda hesab\u0131 bulunan bir ki\u015fi, B bankas\u0131nda hesab\u0131 olan bir ki\u015fi veya kuruma \u00f6deme yaparken EFT yapm\u0131\u015f olur.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"500\" data-src=\"https:\/\/paytr.com\/wp-content\/uploads\/eft-nedir.jpg\" alt=\"\" class=\"wp-image-3850 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/500;\" \/><\/figure>\n\n\n\n<p>G\u00fcn\u00fcm\u00fczde t\u00fcm d\u00fcnyada oldu\u011fu gibi hala T\u00fcrkiye\u2019de bankac\u0131l\u0131k sekt\u00f6r\u00fcnde aktif olarak havale ve EFT i\u015flemleri kullan\u0131lmaya devam ediyor. Ancak geli\u015fen teknoloji ve internet altyap\u0131s\u0131 sayesinde EFT gibi bir\u00e7ok i\u015flemin daha kolay, masrafs\u0131z ve an\u0131nda yap\u0131lmas\u0131 da m\u00fcmk\u00fcn hale gelmi\u015ftir. \u00d6te yandan merkeziyetsiz finans (DeFi) kavram\u0131yla gelecek yeniliklerin de arac\u0131 olmadan bu t\u00fcr i\u015flemlerin ger\u00e7ekle\u015ftirmesine imk\u00e2n vermesi yak\u0131n zamanda bir de\u011fi\u015fim ya\u015fanaca\u011f\u0131na i\u015faret etmektedir. <strong>Havale EFT ile \u00f6deme <\/strong>i\u015flemleri kapsam\u0131nda bu gelece\u011fi g\u00f6ren bir\u00e7ok banka ise masrafs\u0131z ve dijital bankac\u0131l\u0131k kapsam\u0131n\u0131 geni\u015fletmi\u015ftir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-nasil-yapilir\">EFT Nas\u0131l Yap\u0131l\u0131r?<\/h2>\n\n\n\n<p>EFT yapmak i\u00e7in bankalar\u0131n t\u00fcm i\u015flem kanallar\u0131 rahatl\u0131kla kullan\u0131labilir. Ancak \u015fubelere giderek s\u0131ra beklemek zorunda kalmadan veya ATM\u2019lerde vakit kaybetmeden dijital bankac\u0131l\u0131k hizmetlerini kullanarak kolayca EFT i\u015flemlerinizi yapman\u0131z m\u00fcmk\u00fcnd\u00fcr. EFT i\u015flemlerinde tercih edece\u011finiz y\u00f6ntemlere g\u00f6re farkl\u0131 i\u015flem \u00f6zellikleri ortaya \u00e7\u0131kacakt\u0131r.<\/p>\n\n\n\n<p>EFT yapmak i\u00e7in \u015fu kanallardan herhangi birini tercih edebilirsiniz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ATM\u2019ler<\/li>\n\n\n\n<li>\u015eubeler<\/li>\n\n\n\n<li>\u0130nternet\/Mobil Bankac\u0131l\u0131k<\/li>\n\n\n\n<li>Telefon Bankac\u0131l\u0131\u011f\u0131&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>EFT ile \u00f6deme yapmak i\u00e7in ATM\u2019leri tercih eden vatanda\u015flar, al\u0131c\u0131n\u0131n bilgilerini ATM \u00fczerinden, \u2018\u2019Para Transferi\u2019\u2019 ekran\u0131nda tu\u015flayarak ba\u015fka banka hesab\u0131na \u00f6deme ger\u00e7ekle\u015ftirebilirler. \u0130nternet ya da mobilden i\u015flem yapacak ki\u015filer ise e\u011fer internet bankac\u0131l\u0131\u011f\u0131 hizmetleri a\u00e7\u0131ksa dakikalar i\u00e7inde al\u0131c\u0131 bilgilerini girerek web veya mobil ara y\u00fcz\u00fc ile rahatl\u0131kla ger\u00e7ekle\u015ftirebilirler.&nbsp;<\/p>\n\n\n\n<p>Ayr\u0131ca dijital kanallardan yap\u0131lacak \u00f6demelerde al\u0131c\u0131 kaydetme gibi \u00f6zellikler ile d\u00fczenli \u00f6deme yapt\u0131\u011f\u0131n\u0131z ki\u015filerin sadece 1 defa IBAN\u2019lar\u0131n\u0131 girerek para g\u00f6nderme i\u015flemlerini tamamlayabilirsiniz. <strong>Para transferi nas\u0131l yap\u0131l\u0131r<\/strong> sorusunun yan\u0131t\u0131na g\u00f6re EFT s\u0131ras\u0131nda izlenecek ad\u0131mlar da de\u011fi\u015fiklik g\u00f6sterecektir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-ile-havale-arasindaki-farklar-nelerdir\">EFT ile Havale Aras\u0131ndaki Farklar Nelerdir?<\/h2>\n\n\n\n<p>Bankac\u0131l\u0131k i\u015flemlerinde birbirine en \u00e7ok kar\u0131\u015ft\u0131r\u0131lan iki kavram EFT ve havaledir. Her ikisi de ayn\u0131 i\u015flevi g\u00f6rse de sadece baz\u0131 ufak farklara sahiptirler. EFT bilindi\u011fi \u00fczere iki farkl\u0131 banka aras\u0131nda yap\u0131lan \u00f6demeleri kapsar. Havale ise sadece ayn\u0131 bankan\u0131n iki farkl\u0131 hesab\u0131 \u00fczerinde yap\u0131lan para g\u00f6nderme i\u015flemlerini kapsamaktad\u0131r. <strong>EFT havale fark\u0131<\/strong> k\u0131saca \u015fu \u015fekilde \u00f6zetlenebilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EFT iki banka aras\u0131nda, havale ise tek banka \u00fczerinde ger\u00e7ekle\u015fir.&nbsp;<\/li>\n\n\n\n<li>Havale i\u015flemi EFT\u2019ye g\u00f6re daha h\u0131zl\u0131d\u0131r.&nbsp;<\/li>\n\n\n\n<li>\u0130\u015flem \u00fccretleri EFT\u2019ye k\u0131yasla havalede daha d\u00fc\u015f\u00fckt\u00fcr.&nbsp;<\/li>\n\n\n\n<li>Havale 7\/24 yap\u0131labilir, EFT ise belirli i\u015flem saatlerinde ger\u00e7ekle\u015ftirilir.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Havale ve EFT\u2019nin sahip olduklar\u0131 basit birka\u00e7 fark nedeniyle vatanda\u015flar\u0131n kafas\u0131 zaman zaman kar\u0131\u015fmaktad\u0131r. San\u0131ld\u0131\u011f\u0131n\u0131n aksine her iki \u00f6deme se\u00e7ene\u011fi aras\u0131nda ciddi farklar g\u00f6r\u00fclmez. Havale ve EFT i\u015flemleri temelde iki ayn\u0131 i\u015flemi tan\u0131mlar. Her iki y\u00f6ntemde de bir g\u00f6nderici bir hesap taraf\u0131ndan al\u0131c\u0131ya para transferi i\u015flemi s\u00f6z konusudur. Ancak bankalar aras\u0131nda olup olmad\u0131\u011f\u0131na veya ayn\u0131 banka \u00fczerinde i\u015flem yap\u0131ld\u0131\u011f\u0131na g\u00f6re fark ortaya \u00e7\u0131kmaktad\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-nasil-iptal-edilir\">EFT Nas\u0131l \u0130ptal Edilir?<\/h2>\n\n\n\n<p>EFT ile yap\u0131lan para transferinden e\u011fer al\u0131c\u0131n\u0131 hesab\u0131na para ge\u00e7memi\u015fse i\u015flem iptal edilebilmektedir. EFT saatleri d\u0131\u015f\u0131nda yap\u0131lan i\u015flemler hali haz\u0131rda bir sonraki i\u015flem g\u00fcn\u00fcne kalacakt\u0131r. Bu s\u00fcre\u00e7 i\u00e7inde \u00f6demeden vazge\u00e7ilmesi halinde EFT\u2019nin iptal edilmesi m\u00fcmk\u00fcnd\u00fcr. \u00d6zellikle son d\u00f6nemde internet bankac\u0131l\u0131\u011f\u0131 sistemlerinin yayg\u0131n olarak kullan\u0131lmaya ba\u015flamas\u0131yla bu i\u015flemleri ger\u00e7ekle\u015ftirmek i\u00e7in m\u00fc\u015fteri hizmetlerini bile aramaya gerek kalmadan i\u015flem yap\u0131labilmektedir.&nbsp;<\/p>\n\n\n\n<p>\u0130ster dijital kanallar \u00fczerinden isterseniz de do\u011frudan bankan\u0131n ileti\u015fim kanallar\u0131n\u0131 kullanarak EFT i\u015flemlerinizi iptal etmek i\u00e7in yeni talimat verebilirsiniz. Ancak havale i\u015flemlerinde bu durum s\u00f6z konusu olmayacakt\u0131r. Havale ile para g\u00f6nderen bir ki\u015finin yapaca\u011f\u0131 i\u015flem an\u0131nda kar\u015f\u0131 taraf\u0131n hesab\u0131na ula\u015faca\u011f\u0131 i\u00e7in iptal yap\u0131lamaz. Ancak yanl\u0131\u015f hesaba havale veya EFT yap\u0131lm\u0131\u015f ise iptal i\u015flemleri i\u00e7in farkl\u0131 prosed\u00fcrler uygulanacakt\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ayni-bankalar-arasinda-yapilan-para-transferi\">Ayn\u0131 Bankalar Aras\u0131nda Yap\u0131lan Para Transferi<\/h2>\n\n\n\n<p>Ayn\u0131 bankan\u0131n hesaplar\u0131na yap\u0131lan \u00f6demeler havale olarak tan\u0131mlan\u0131r. <strong>Ayn\u0131 banka ile \u00e7al\u0131\u015fan ki\u015filerin hesaplar\u0131 aras\u0131nda yap\u0131lan para transferi <\/strong>havaledir. Ancak bu ki\u015filerden biri farkl\u0131 bankan\u0131n m\u00fc\u015fterisi ise ve \u00f6deme ilgili bankan\u0131n hesap numaras\u0131na yap\u0131lm\u0131\u015fsa bu durumda i\u015flem EFT olacakt\u0131r. Genel itibariyle EFT ve havalenin birbirine kar\u0131\u015ft\u0131r\u0131ld\u0131\u011f\u0131 bu noktada sadece bankalar\u0131n de\u011ferlendirilmesi yeterlidir. Havale veya EFT yapmadan \u00f6nce i\u015flem \u00fccretleri ve s\u00fcreleri de incelemeniz tavsiye edilir. EFT i\u015flemleri sadece \u00e7al\u0131\u015fma saatleri i\u00e7inde ger\u00e7ekle\u015ftirilece\u011fi i\u00e7in \u00f6demelerinizde baz\u0131 aksamalar g\u00f6r\u00fclebilir.&nbsp;<\/p>\n\n\n\n<p>T\u00fcrkiye\u2019de bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn \u00f6nde gelen bankalar\u0131n\u0131n genelde dijital bankac\u0131l\u0131k hizmeti kullan\u0131c\u0131lar\u0131na \u00f6zel olarak \u00fccretsiz ve an\u0131nda EFT, havale i\u015flemleri ile ayr\u0131cal\u0131klar sunmaya ba\u015flad\u0131klar\u0131 g\u00f6r\u00fclmektedir. S\u00f6z konusu bankalarda hesaplar\u0131 olan ki\u015filer veya alternatif sanal hesap ve \u00f6n \u00f6demeli kartlar kullanarak da bu t\u00fcr i\u015flemlerde s\u00fcre veya \u00fccretlere tak\u0131lmadan i\u015flem ger\u00e7ekle\u015ftirebilecektir.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-ile-odeme-nedir\">EFT ile \u00d6deme Nedir?<\/h2>\n\n\n\n<p>EFT ile \u00f6deme iki banka aras\u0131nda ger\u00e7ekle\u015ftirilecek TL para transferini kapsasa da geni\u015f bir kapsamda de\u011ferlendirilmesi gerekmektedir. <strong>Kredi kart\u0131ndan EFT<\/strong> i\u015flemleri ile de sadece hesab\u0131n\u0131zdan de\u011fil, kredi kart\u0131ndan da \u00f6deme yap\u0131labilmektedir. Ger\u00e7ek veya t\u00fczel ki\u015filer hesab\u0131na ba\u015fka bankalar \u00fczerindeki hesaplar\u0131 i\u00e7in yap\u0131lacak \u00f6demelerin tamam\u0131 EFT olarak de\u011ferlendirilmektedir. G\u00fcn\u00fcm\u00fczde EFT sistemi sayesinde ki\u015filer veya kurumlar, bankalar taraf\u0131ndan sunulan telefon veya internet bankac\u0131l\u0131\u011f\u0131 ile di\u011fer \u015fah\u0131s veya kurumlara y\u00f6nelik t\u00fcm \u00f6demelerini yapmalar\u0131na imk\u00e2n verilmektedir.&nbsp;<\/p>\n\n\n\n<p>EFT ile \u00f6deme kapsam\u0131nda \u015fu i\u015flemler \u00f6ne \u00e7\u0131kmaktad\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredi kart\u0131 bor\u00e7lar\u0131,<\/li>\n\n\n\n<li>Telefon, do\u011falgaz, elektrik vb. faturalar,<\/li>\n\n\n\n<li>Taksitler,<\/li>\n\n\n\n<li>Ki\u015filere yap\u0131lan \u00f6demeler vb.<\/li>\n<\/ul>\n\n\n\n<p>\u00dclke i\u00e7inde ger\u00e7ekle\u015fen ve bankac\u0131l\u0131k sistemine kay\u0131tl\u0131 kurumlar\u0131n hesaplar\u0131na yap\u0131lacak t\u00fcm \u00f6demeler bu kapsamda say\u0131lacakt\u0131r. EFT ile d\u00fczenli \u00f6demeleri olanlar\u0131n mutlaka EFT i\u015flem saatlerine dikkat etmesi gerekir. E\u011fer i\u015flem saatleri d\u0131\u015f\u0131nda i\u015flem yap\u0131lm\u0131\u015fsa borcun \u00f6denmesinin aksamas\u0131na neden olabilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-ile-para-yatirma-nasil-yapilir\">EFT ile Para Yat\u0131rma Nas\u0131l Yap\u0131l\u0131r?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"500\" data-src=\"https:\/\/paytr.com\/wp-content\/uploads\/elektronik-fon-transferi.jpg\" alt=\"\" class=\"wp-image-3851 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/500;\" \/><\/figure>\n\n\n\n<p>EFT ile para yat\u0131rmak i\u00e7in para g\u00f6nderece\u011finiz ki\u015finin hesap numaras\u0131 veya IBAN\u2019\u0131na ihtiya\u00e7 duyulacakt\u0131r. G\u00fcn\u00fcm\u00fczde geli\u015fen bankac\u0131l\u0131k altyap\u0131s\u0131 sayesinde mobil cihazlardan veya internet \u00fczerinden kolayca EFT \u2013 havale i\u015flemleri yap\u0131labilmektedir. Para yat\u0131rma i\u015flemlerinde tercih edece\u011finiz y\u00f6nteme g\u00f6re farkl\u0131 ad\u0131mlar izlenebilir. Ancak genelde benzer basit birka\u00e7 ad\u0131mda kar\u015f\u0131 taraf\u0131n hesaba <strong>EFT ile para yat\u0131rma <\/strong>i\u015flemi ger\u00e7ekle\u015ftirilebilmektedir.&nbsp;<\/p>\n\n\n\n<p>EFT ile bir hesaba para yat\u0131rmak i\u00e7in \u015fu ad\u0131mlar izlenir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Para Transferi ekran\u0131ndan al\u0131c\u0131n\u0131n IBAN veya Hesap Numaras\u0131 girilir.&nbsp;<\/li>\n\n\n\n<li>Al\u0131c\u0131 ad\u0131 ve soyad\u0131 teyit edildikten sonra ilgili hesap se\u00e7ilir.&nbsp;<\/li>\n\n\n\n<li>\u00d6deme yap\u0131lacak hesap se\u00e7ilerek \u00f6deme tutar\u0131 yaz\u0131l\u0131r.&nbsp;<\/li>\n\n\n\n<li>Onay sonras\u0131nda EFT i\u015flemi tamamlan\u0131r.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>EFT ile para yat\u0131rma i\u015flemleri dakikalar i\u00e7inde ger\u00e7ekle\u015ftirilmektedir. Sorunsuz bir \u015fekilde \u00f6deme i\u015flemlerini ger\u00e7ekle\u015ftirmek i\u00e7in IBAN ve hesap numaras\u0131 bilgilerinin do\u011fru ve eksiksiz bi\u00e7imde girilmesi son derece \u00f6nemlidir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-islemleri-hangi-para-aktarimlarinda-uygulanir\">EFT \u0130\u015flemleri Hangi Para Aktar\u0131mlar\u0131nda Uygulan\u0131r?<\/h2>\n\n\n\n<p>EFT i\u015flemleri sadece yurt i\u00e7indeki para transferi i\u015flemlerini kapsamaktad\u0131r. Yurt i\u00e7inde vadesiz hesaplara yap\u0131lacak her \u00f6deme EFT (Elektronik Fon Transferi) olarak tan\u0131mlan\u0131r. Ayr\u0131ca T\u00fcrk Liras\u0131 (TL) cinsinden yap\u0131lan yurt i\u00e7i para transferleri EFT\u2019dir. \u0130ki banka aras\u0131nda ger\u00e7ekle\u015ftirilecek bu kapsamdaki t\u00fcm i\u015flemler T\u00fcrkiye\u2019de EFT olarak tan\u0131mlanmaktad\u0131r. 1 Nisan 1992 tarihinde T\u00fcrkiye Cumhuriyeti Merkez Bankas\u0131 (TCMB) b\u00fcnyesinde devreye giren bu sistem ile ilgili sorumluluk yine TCMB\u2019dedir.&nbsp;<\/p>\n\n\n\n<p>Yurt i\u00e7inde mali ve finansal dengelerin sa\u011flanmas\u0131nda \u00f6nemli bir fayda sa\u011flayan EFT sistemi, g\u00fcn\u00fcm\u00fczde i\u015flem \u00fccreti olmadan da ger\u00e7ekle\u015ftirilebilmektedir. Ayr\u0131ca 7\/24 EFT yapma f\u0131rsatlar\u0131 gibi bir\u00e7ok alternatif de internet ve teknolojinin geli\u015fmesi ile sa\u011flanmaya ba\u015flad\u0131. <strong>EFT nas\u0131l olur<\/strong> sorusunun yan\u0131t\u0131 da bankac\u0131l\u0131k sekt\u00f6r\u00fcnde ya\u015fanan yeniliklere de\u011fi\u015fmeye ba\u015flam\u0131\u015ft\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-ne-zaman-hesaba-gecer\">EFT Ne Zaman Hesaba Ge\u00e7er?<\/h2>\n\n\n\n<p>EFT i\u015flemleri havalede oldu\u011fu gibi 7 g\u00fcn 24 saat al\u0131c\u0131lar\u0131n hesaplar\u0131na ge\u00e7memektedir. Ki\u015filerin sadece i\u015flem saati i\u00e7inde yapacaklar\u0131 EFT \u00f6demeleri ayn\u0131 g\u00fcn i\u00e7inde tan\u0131mlanabilir. EFT sisteminin genel hatlar\u0131 \u00fclkemizde Bankalar Kanunu kapsam\u0131nda d\u00fczenlenmi\u015ftir. G\u00fcn i\u00e7inde i\u015flemler 08.30 \u2013 17.30 saatleri aras\u0131nda yap\u0131labilmektedir. Hafta sonu, resmi veya dini tatillerde EFT i\u015flemleri ger\u00e7ekle\u015ftirilemez. \u015eu anda bir\u00e7ok bankan\u0131n dijital bankac\u0131l\u0131k uygulamas\u0131n\u0131n sundu\u011fu hizmetler ise EFT i\u015flemlerinin bu ara\u00e7lar kullan\u0131larak s\u00fcre sorunu ya\u015fanmadan ger\u00e7ekle\u015ftirilmesini sa\u011flamaktad\u0131r.&nbsp;<\/p>\n\n\n\n<p>E\u011fer <strong>EFT saatleri<\/strong> i\u00e7inde i\u015flem yap\u0131lmam\u0131\u015fsa \u00f6demeler takip eden ilk i\u015f g\u00fcn\u00fcne kalacakt\u0131r. Bu durum ise \u00f6zellikle acil \u00f6deme yapmas\u0131 gereken ki\u015filer i\u00e7im zorluk yaratmaktad\u0131r. Sorunsuz ve herhangi bir aksama olmadan para transferi i\u015flemlerini tamamlamak i\u00e7in s\u00f6z konusu saatlere riayet edilmesi gerekmektedir. Acil para transferi yap\u0131lmas\u0131 gereken durumlarda farkl\u0131 metotlar ve \u00f6deme servisleri kullan\u0131lmas\u0131 gerekecektir. EFT bu t\u00fcr i\u015flemler i\u00e7in i\u015flem saati s\u0131n\u0131rlamas\u0131 nedeniyle dezavantajl\u0131d\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eft-ucretleri-ne-kadar\">EFT \u00dccretleri Ne Kadar?<\/h2>\n\n\n\n<p>EFT ile para yat\u0131rma i\u015flemlerinde belirli miktarda masraf \u00f6denmektedir. EFT miktar\u0131na ve banka politikalar\u0131na g\u00f6re bu \u00fccretler de\u011fi\u015febilir. \u00c7al\u0131\u015ft\u0131\u011f\u0131n\u0131z bankan\u0131n EFT saatlerine ve \u00fccretlerine bakarak EFT i\u015flemlerini ger\u00e7ekle\u015ftirebilirsiniz. Son d\u00f6nemde EFT \u00fccretlerinin y\u00fcksek olmas\u0131 nedeniyle bir\u00e7ok ki\u015finin farkl\u0131 yollardan banka \u00f6demelerini masrafs\u0131z bir \u015fekilde ger\u00e7ekle\u015ftirmeye ba\u015flad\u0131klar\u0131 g\u00f6r\u00fclm\u00fc\u015ft\u00fcr. <strong>EFT \u00fccreti<\/strong> ve havale \u00fccreti i\u015flem niteli\u011fine ve bankalara g\u00f6re de\u011fi\u015fece\u011fi i\u00e7in net oran verilememektedir. \u0130nternet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden yap\u0131lan i\u015flemlerde EFT i\u015flemi onaylanmadan \u00f6nce kesilecek \u00fccretler g\u00f6sterilmektedir. E\u011fer beklentinizin \u00fczerinde bir masraf \u00f6deyecekseniz EFT i\u015flemini iptal ederek herhangi bir \u00fccret \u00f6demeden i\u015flemi sonland\u0131rabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>EFT \u00fccretleri zaman zaman i\u015flem yerine g\u00f6re de de\u011fi\u015fmektedir. Dijital kanallar \u00fczerinden veya ATM, \u015fubeler \u00fczerinden yap\u0131lacak EFT i\u015flemleri i\u00e7in farkl\u0131 \u00fccretler belirlenmi\u015f olabilir. \u015eayet dijital kanallar\u0131 kullanarak i\u015flem yaparsan\u0131z masrafs\u0131z <a href=\"https:\/\/www.paytr.com\/havale-eft\">EFT \u2013 havale i\u015flemleri<\/a> veya di\u011fer pek \u00e7ok farkl\u0131 ayr\u0131cal\u0131kl\u0131 bankac\u0131l\u0131k hizmetinden yararlanabilirsiniz.\u00a0<\/p>\n\n\n\n<p><h2 id=\"7-24-eft-yapan-bankalar-hangileri\">7\/24 EFT Yapan Bankalar Hangileri?&nbsp;<\/h2><\/p>\n\n\n\n<p>Banklar\u0131n g\u00fcn\u00fcm\u00fczde \u015fubesiz dijital bankac\u0131l\u0131k kanallar\u0131 \u00fczerinden EFT ve havale gibi bir\u00e7ok bankac\u0131l\u0131k i\u015flemini \u00fccretsiz olarak \u00fcstelik 7 g\u00fcn 24 saat sunmaktad\u0131r. Bu sayede hem m\u00fc\u015fteri say\u0131s\u0131n\u0131 art\u0131rmay\u0131 ba\u015far\u0131yor hem de bankac\u0131l\u0131k i\u015flemlerinin \u00e7ok daha avantajl\u0131 hale gelmesini sa\u011fl\u0131yorlar. QNB Finansbank, TEB, Kuveyt T\u00fcrk gibi bankalar\u0131n hemen hemen t\u00fcm dijital bankac\u0131l\u0131k uygulamalar\u0131 ile bu i\u015flemler 7\/24 ger\u00e7ekle\u015ftirilebilmektedir. Havale i\u015flemleri hali haz\u0131rda ayn\u0131 banka i\u00e7inde oldu\u011fu i\u00e7in s\u00fcre s\u0131n\u0131r\u0131 olmadan yap\u0131labilmesine ra\u011fmen bu t\u00fcr i\u015flemlerde de \u00fccret al\u0131nmamaktad\u0131r.&nbsp;<\/p>\n\n\n\n<p>G\u00fcn\u00fcn her saatinde ba\u015fka bankalara \u00f6deme i\u015flemlerini ger\u00e7ekle\u015ftirmek isteyenler i\u00e7in avantajl\u0131 se\u00e7enekler sunan bankac\u0131l\u0131k uygulamalar\u0131ndan baz\u0131lar\u0131 \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enpara<\/li>\n\n\n\n<li>CEPTETEB<\/li>\n\n\n\n<li>Senin Bankan<\/li>\n<\/ul>\n\n\n\n<p>Son d\u00f6nemde bankac\u0131l\u0131k ve finans hizmetlerinin teknolojiyle beraber ya\u015fad\u0131klar\u0131 de\u011fi\u015fimler m\u00fc\u015fteriler a\u00e7\u0131s\u0131ndan avantaj sa\u011flamaya ba\u015flam\u0131\u015ft\u0131r. Di\u011fer yandan merkeziyetsiz finans uygulamalar\u0131n\u0131n yayg\u0131nla\u015fmas\u0131 bu alanda b\u00fcy\u00fck yeniliklerin habercisi olarak g\u00f6r\u00fclmektedir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hafta-sonu-eft-yapilabilir-mi-nbsp\">Hafta Sonu EFT Yap\u0131labilir Mi?&nbsp;<\/h2>\n\n\n\n<p>Hafta sonu EFT i\u015flemlerinin yap\u0131lmas\u0131 m\u00fcmk\u00fcn de\u011fildir. EFT i\u015flemleri sadece hafta i\u00e7i ve mesai saatleri i\u00e7inde ger\u00e7ekle\u015ftirilebilen bir bankalar aras\u0131 para transferi y\u00f6ntemidir. Ancak havale i\u015flemleri g\u00fcn\u00fcn her saatinde herhangi bir zaman s\u0131n\u0131rlamas\u0131 olmadan ki\u015filerin hesaplar\u0131na yap\u0131labilmektedir. Hafta sonu d\u0131\u015f\u0131nda di\u011fer tatil g\u00fcnlerinde de EFT i\u015flemleri yap\u0131lamamaktad\u0131r. Hafta sonu yapt\u0131\u011f\u0131n\u0131z bir EFT i\u015flemi en erken haftan\u0131n ilk i\u015f g\u00fcn\u00fc olan Pazartesi g\u00fcn\u00fc i\u015fleme al\u0131nacakt\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-yanlis-hesaba-eft-yapilirsa-ne-olur\">Yanl\u0131\u015f Hesaba EFT Yap\u0131l\u0131rsa Ne Olur?<\/h2>\n\n\n\n<p>EFT i\u015flemleri s\u0131ras\u0131nda zaman zaman kar\u0131\u015f\u0131kl\u0131k ya\u015fanabilir. Harf veya rakam kar\u0131\u015f\u0131kl\u0131klar\u0131ndan do\u011fan bu t\u00fcr hatalar\u0131n \u00e7\u00f6z\u00fcm\u00fc i\u00e7in vakit kaybetmeden bankan\u0131z ile ileti\u015fime ge\u00e7meniz gerekecektir. EFT i\u015flemlerinde yanl\u0131\u015f olmas\u0131 durumunda e\u011fer paran\u0131z hen\u00fcz kar\u015f\u0131 tarafa aktar\u0131lmam\u0131\u015fsa i\u015flemi iptal edebilirsiniz. E\u011fer para yanl\u0131\u015f al\u0131c\u0131n\u0131n hesab\u0131na ge\u00e7mi\u015f ise gerekli hukuki ve yasal prosed\u00fcr uygulanarak paran\u0131n iadesi talep edilebilmektedir. <strong>EFT \u00f6deme <\/strong>yapma i\u015flemlerinde en s\u0131k kullan\u0131lan y\u00f6ntem olmas\u0131yla zaman zaman farkl\u0131 sorunlar da g\u00f6r\u00fclmektedir.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EFT, iki farkl\u0131 banka aras\u0131nda yap\u0131lan TL cinsinden para transferlerini ifade etmektedir. G\u00fcndelik bankac\u0131l\u0131k i\u015flemlerinde yayg\u0131n olarak kullan\u0131lan havale \u00f6demeleri ile s\u0131kl\u0131kla kar\u0131\u015ft\u0131r\u0131lan EFT i\u015flemleri, havale ile baz\u0131 farklara da sahiptir. EFT nedir sorusunun yan\u0131t\u0131n\u0131 verirken bu t\u00fcr farklar\u0131n dikkate al\u0131narak de\u011ferlendirilmesi gerekir. EFT i\u015flemlerinde 4 ana unsur bulunmaktad\u0131r. Bu unsurlar aras\u0131nda yap\u0131lacak t\u00fcm TL [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10477,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,44],"tags":[],"class_list":["post-3848","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nasil-yapilir","category-odeme-sistemleri"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.3.1 (Yoast SEO v25.3.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>EFT Nedir? EFT ile Havale Aras\u0131ndaki Fark Nedir? | PayTR<\/title>\n<meta name=\"description\" content=\"EFT i\u015flemleri, farkl\u0131 bankalar aras\u0131nda para transferi yapman\u0131z\u0131 sa\u011flayan g\u00fcvenli bir y\u00f6ntemdir. 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