GetirFinans
GetirFinans is a BDDK-regulated mobile digital banking interface provider in Turkey, operating on top of Fibabanka's banking license and embedded within the Getir super-app to serve Turkish retail consumers with accounts, cards, loans, BNPL, FX, and bill payment services.
- Company typePrivate
- Founded2022
- HeadquartersBesiktas
- Headcount101–250
- GTM typeB2C
- OfferingServices
What GetirFinans does
GetirFinans (legal entity: Getir Teknolojik Hizmetler A.Ş.) is a Turkish mobile-first digital banking platform that operates as a regulated interface provider (arayüz sağlayıcı) under BDDK's Servis Modeli Bankacılığı framework, effective January 1, 2022. The platform is architecturally layered: GetirFinans delivers the consumer-facing mobile application and user experience, while Fibabanka A.Ş. acts as the underlying service bank (servis bankası) providing the regulated banking license, deposit accounts, lending products, and card issuance. The product portfolio spans deposit accounts with interest-bearing savings (44% on savings, 42% on time deposits), physical and virtual debit and credit cards, personal loans up to ₺650,000, a revolving cash-advance facility (Avans Limit at 4.25% monthly), a 0%-interest 60-day BNPL product (GetirSonraÖde), free 24/7 money transfers (EFT/FAST/havale), foreign exchange in USD/EUR/gold/silver/palladium, bill payments, and free ATM access at Fibabanka and Akbank networks. Distribution is exclusively through the Getir super-app available on iOS, Google Play, and Huawei AppGallery, with physical cards courier-delivered via Getir's logistics network.
Revenue is generated primarily through interest rate spreads on lending and deposit products, transaction and service fees (e.g., ₺146.24 incoming FX transfer, ₺354.64 outgoing FX, ₺19.94–797.68 branch transfers), cashback economics tied to the getirpara loyalty program, and a service banking partnership revenue share with Fibabanka. In September 2024, GetirFinans and Fibabanka extended the relationship to launch a Banking-as-a-Service (BaaS) platform, positioning GetirFinans as embedded-finance infrastructure for the Turkish market. The customer base is exclusively Turkish retail consumers, with primary go-to-market motion being product-led through the Getir app ecosystem and supplemented by content marketing via the 'Parana İyi Bak' financial literacy platform and a referral-and-affiliate program offering up to ₺1,750 in getirpara for friend referrals.
The company is privately held under the Getir corporate umbrella, with Türkiye İş Bankası having acquired a 20% stake for $50 million in October 2023, implying a $250 million post-money valuation. Headcount sits in the 51–100 range, and the company is headquartered in Beşiktaş, Istanbul. Strategic positioning is anchored on the BDDK first-mover regulatory advantage, distribution leverage from the Getir super-app, and zero-fee retail banking differentiation in a high-interest-rate Turkish macro environment that supports deposit and lending economics.
GetirFinans firmographics
Firmographics- Name
- GetirFinans
- Legal name
- Getir Teknolojik Hizmetler Anonim Şirketi
- Website
- https://getirfinans.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- GetirFinans is a BDDK-regulated mobile digital banking interface provider in Turkey, operating on top of Fibabanka's banking license and embedded within the Getir super-app to serve Turkish retail consumers with accounts, cards, loans, BNPL, FX, and bill payment services.
- Ownership category
- akta.pro rank
GetirFinans industry classification
Industry- Product category
- Digital Banking
- NAICS
- Activities Related to Credit Intermediation (5223), Depository Credit Intermediation (5221)
- SIC
- Finance Services (6199), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Open Banking APIs & Connectivity (FSAMAFAA)
Keywords
Where GetirFinans is headquartered
LocationHeadquarters
- HQ city
- Besiktas
Offices1 record
Markets served
GetirFinans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Interest Rate Spreads: Revenue generated from interest rate differentials on lending products (personal loans, credit cards) and deposit products (time deposits/savings accounts). Interest rates include 42% for time deposits and up to 650,000 TL personal loans.
- Transaction and Service Fees: Fees collected for specific banking services including incoming foreign exchange transfers (146.24 TL), outgoing foreign exchange transfers (354.64 TL), branch-based EFT/havale transfers (19.94-797.68 TL), and other services.
- Cashback and Rewards Programs: Revenue generated through GetirPara loyalty program where users earn rewards on spending that can be redeemed within the Getir ecosystem (Getir, GetirBuyuk, GetirYemek, GetirSu, Bitaksi).
- Service Banking Partnership Fees: Revenue share arrangement with Fibabanka as the service bank provider, where GetirFinans acts as interface provider under regulatory framework for Servis Modeli Bankaciligi.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Banking Package - No monthly fees or account maintenance charges |
| Unit Pricing | Pay-as-you-go | Personal Loans - Up to 650,000 TL with discounted interest rates |
| Usage-based | Pay-as-you-go | Avans Limit - Salary advance facility |
| Usage-based | Pay-as-you-go | GetirSonraOde - Buy now pay later |
| Usage-based | Pay-as-you-go | Bill Payments - Utility and service payments |
| Transaction based/ take rate | Pay-as-you-go | FX Transfer Fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
GetirFinans product offering
Product offeringCore offering
GetirFinans is a mobile-first digital banking interface provider (arayüz sağlayıcı) operating under BDDK's Servis Modeli Bankacılığı framework in Turkey. It delivers consumer banking products including accounts, debit and credit cards, personal loans, buy-now-pay-later, money transfers, foreign exchange, and bill payments, while Fibabanka serves as the licensed service bank providing the underlying regulated products. All services are accessed through the Getir super-app mobile application.
Product overview
GetirFinans operates as a mobile-first digital banking platform positioned as an interface provider (arayüz sağlayıcı) under Turkey's Servis Modeli Bankacılığı (Service Banking) framework, regulated by BDDK. The product is architecturally layered: GetirFinans provides the mobile application interface, while Fibabanka A.Ş. serves as the underlying service bank (Servis Bankası) that actually holds the banking license and delivers the regulated banking products. The portfolio comprises a unified mobile banking app that integrates account management (Hesap), physical and virtual cards (Hesap Kartı, Kredi Kartı), credit products (Bireysel İhtiyaç Kredisi, Avans Limit, Getirsonraöde BNPL), transaction services (Para Transferi, Döviz İşlemleri, Ödemeler), ATM access, and a rewards ecosystem (Getirpara). Additionally, GetirFinans operates Parana İyi Bak as a financial literacy sub-brand. The platform also enables remote customer onboarding (Uzaktan Müşteri Edinimi) through compliant identity verification processes.
Differentiator
Problem solved
Functional benefit
Products and services
- Hesap (Account) A digital bank account enabling deposit-keeping, balance management, transaction tracking, and interest-bearing time deposits (vadeli mevduat) up to 42% interest, targeted at Turkish individual retail banking customers.
- Hesap Kartı (Account/Debit Card) A debit card linked to the GetirFinans account, delivered to the customer's address within minutes, offering getirpara cashback rewards and 1% instant cashback on physical purchases up to ₺1,250 per month.
- Kredi Kartı (Credit Card) A credit card with fee-free annual charges, installment options, and rewards integration with the getirpara cashback system, designed for Turkish retail consumers.
- Bireysel İhtiyaç Kredisi (Personal Loan) An installment-based consumer loan offering discounted interest rates up to ₺650,000 TL, with campaign rates as low as 3.69% monthly for 9-month terms on loans between ₺30,001 and ₺100,000 TL.
- Avans Limit (Cash Advance Limit) A revolving credit facility providing instant cash access to GetirFinans customers, with a monthly interest rate of 4.25% and a late payment interest rate of 4.55%.
- Getirsonraöde (Buy Now Pay Later) A buy-now-pay-later product allowing customers to defer purchases with up to 60 days interest-free and 0% interest rate with no late fees for transactions within the Getir ecosystem.
- Para Transferi (Money Transfer) Free 24/7 money transfer services including EFT, FAST, and regular transfers between banks, with free foreign exchange transfers between GetirFinans users, for Turkish retail banking customers.
- Döviz İşlemleri (Foreign Exchange) Currency exchange services providing real-time rates for USD, EUR, gold (XAU), silver (XAG), and palladium (XPD) with competitive buy/sell spreads for GetirFinans customers.
- Ödemeler (Bill Payments) A comprehensive bill payment service covering utility bills (natural gas, water, electricity), MTV (vehicle tax), gambling payments, crypto platform payments, and other fees, with automatic payment scheduling options.
Companies that use GetirFinans
Customer profileSegments1 record
Ideal customer profiles1 record
GetirFinans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
GetirFinans partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- Bilet.comminorMarketing partnership offering GetirFinans customers promotional codes ('bilet600') for 600 TL discount on flight bookings through Bilet.com. Part of cross-promotional campaigns between GetirFinans and partner ecosystem companies.
- Spotify and YouTube PremiumminorCashback promotion partnership offering 100% cashback on Spotify Premium or YouTube Premium subscription payments made with GetirFinans cards, valid from June 21 to December 31, 2026, up to 240 TL per month.
- Kuzeyden (GetirSu)minorMarketing partnership offering GetirFinans customers 75% discount on 5-gallon water orders through Kuzeyden (GetirSu brand). Customers use promotional code 'kuzeyden' during GetirFinans onboarding to access the discount.
- GetircoreGetir is the parent company and primary distribution channel, embedding GetirFinans banking services within the Getir super-app. Customers access GetirFinans through the Getir app, and getirpara rewards earned through GetirFinans spending can be redeemed at Getir services including Getir, GetirBuyuk, GetirYemek, GetirSu, GetirCarsi, and Bitaksi.
- FibabankacoreFibabanka serves as the Service Bank (Servis Bankasi) providing the underlying banking infrastructure, products, and regulatory licensing for GetirFinans. This service banking model (Servis Modeli Bankaciligi) operates under BDDK regulations effective January 1, 2022. GetirFinans acts as the interface provider (arayuz saleyici) while Fibabanka delivers all banking products including accounts, deposits, loans, and cards. In September 2024, Fibabanka and GetirFinans also launched a BaaS platform enabling embedded finance capabilities.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
GetirFinans competitors and assessment
Company assessmentDirect peers
- Papara: Papara is a leading Turkish digital finance platform offering accounts, cards, payments, FX, and now licensed banking through Papara Bank. It is the most direct competitor to GetirFinans in mobile-first retail banking in Turkey.
- Enpara (DenizBank): Enpara is DenizBank's digital-only banking brand offering fee-free accounts, transfers, and cards via a mobile app. Directly comparable to GetirFinans as a fee-disrupting, mobile-first Turkish consumer bank.
- N Kolay (TEB): N Kolay is TEB's digital banking app providing accounts, transfers, loans, and cards with a streamlined mobile UX. Comparable as another bank-backed digital challenger targeting Turkish retail customers.
- CEPTETEB (TEB): CEPTETEB is TEB's mobile-first consumer banking platform offering fee-free accounts and cards. Comparable to GetirFinans as a mobile-only retail banking proposition in Turkey.
- Hayat Finans: Hayat Finans is a participation (interest-free) digital bank in Turkey operating on a service/embedded model. Comparable to GetirFinans as a non-traditional licensed Turkish digital banking provider with a mobile-first interface.
- UPT Ödeme Hizmetleri: UPT is a Turkish e-money and digital payments institution offering accounts, cards, and payment services. Comparable to GetirFinans as a regulated Turkish fintech providing payment and account services to consumers.
- Tosla (DenizBank): Tosla is DenizBank's mobile-first card-and-wallet product targeting younger Turkish consumers with fee-free spending and instant issuance. Comparable to GetirFinans on mobile-first card issuing and consumer rewards.
Broad incumbents
- Fibabanka: Fibabanka is the licensed service bank that supplies the underlying accounts, deposits, loans, and cards behind GetirFinans's interface. It is a broad incumbent partner rather than competitor, but its other digital and corporate banking operations are adjacent.
- Revolut: Revolut is a global digital banking and BaaS platform offering accounts, cards, payments, FX, and embedded finance APIs. Comparable to GetirFinans as a mobile-first multi-product digital bank pursuing embedded finance at scale.
- WeBank (Tencent): WeBank is China's leading digital-only bank and a benchmark for embedded finance at super-app scale, offering accounts, lending, and BaaS through WeChat and partner platforms. Comparable as a reference case for embedded digital banking inside a super-app.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
GetirFinans social profiles
Digital presenceGetirFinans compliance and trust
Trust signalCompliance4 records
GetirFinans financial estimates
Financial estimateRevenue estimate
Valuation estimate
GetirFinans leadership team
Management profileNumber of profiles
Profiles3 records
GetirFinans funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GetirFinans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GetirFinans
What does GetirFinans do?
GetirFinans is a mobile-first digital banking interface provider (arayüz sağlayıcı) operating under BDDK's Servis Modeli Bankacılığı framework in Turkey. It delivers consumer banking products including accounts, debit and credit cards, personal loans, buy-now-pay-later, money transfers, foreign exchange, and bill payments, while Fibabanka serves as the licensed service bank providing the underlying regulated products. All services are accessed through the Getir super-app mobile application.
Is GetirFinans a public or private company?
GetirFinans is a private company. It is classified as corporate owned and is currently operating.
When was GetirFinans founded?
GetirFinans was founded in 2022. It employs 101 to 250 people.
Where is GetirFinans based?
GetirFinans is headquartered in Besiktas.
How does GetirFinans make money?
Four revenue lines are on record. Interest Rate Spreads are the primary driver. The others are transaction and Service Fees, cashback and Rewards Programs and service Banking Partnership Fees.
Who are GetirFinans's main competitors?
Direct peers on record are Papara, Enpara (DenizBank), N Kolay (TEB), CEPTETEB (TEB), Hayat Finans, UPT Ödeme Hizmetleri and Tosla (DenizBank). Broad incumbents are Fibabanka, Revolut and WeBank (Tencent).
Does GetirFinans have an API?
No public API is recorded for GetirFinans.
What industry is GetirFinans in?
GetirFinans's product category is Digital Banking. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGALAC, Embedded Card Issuing & Card-as-a-Service. Its NAICS code is 5223 and its SIC code is 6199.