Hesapkurdu
Hesapkurdu is a Turkish financial product comparison platform that helps consumers and small businesses compare and apply for credit cards, loans, deposits, and commercial banking products from over 20 partner banks, monetizing via bank referral commissions.
- Company typePrivate
- Founded2011
- HeadquartersKadikoy
- Headcount101–250
- GTM typeB2C
- OfferingDigital Commerce or Content
What Hesapkurdu does
Hesapkurdu (legal entity: BHL Turkey Teknoloji A.Ş.) is a Turkish financial product comparison platform headquartered in Ataşehir, Istanbul, founded around 2011. The platform enables Turkish consumers and small businesses to compare credit cards, personal loans, mortgages, auto loans, deposit accounts, and commercial banking products offered by more than 20 partner banks, and to submit applications that are redirected to the respective banks. The platform integrates calculation tools (loan, credit card limit, early repayment, installment, and cash advance calculators), a credit score monitoring service via Findeks, a financial knowledge center, and an insurance comparison offering through partner Koalay.com. Technology is built around a self-serve web platform with real-time offer aggregation, personalized recommendations based on user credit profile, and SEO-optimized educational content as a top-of-funnel acquisition engine.
The business model is a freemium affiliate/referral model. The service is free for consumers at all stages; Hesapkurdu generates revenue exclusively through commissions paid by partner banks on successful credit card, loan, and other financial product applications submitted via the platform. The company also derives revenue from its insurance vertical through Koalay.com. Distribution relies on organic SEO, content marketing, and social media channels. The company holds ISO 27001 information security certification, is registered with ETBİS (Turkish Ministry of Trade), and is KVKK-compliant. Hesapkurdu has Italian-origin international partners described as among the world's largest in banking and financial product comparison, representing a significant international stakeholder relationship. Early growth was recognized by TOBB/TEPAV, Borsa İstanbul, Deloitte, and Endeavor Association, but recent funding activity, headcount trends, and revenue figures are not publicly disclosed.
Hesapkurdu firmographics
Firmographics- Name
- Hesapkurdu
- Legal name
- BHL Turkey Teknoloji A.Ş.
- Website
- https://hesapkurdu.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Hesapkurdu is a Turkish financial product comparison platform that helps consumers and small businesses compare and apply for credit cards, loans, deposits, and commercial banking products from over 20 partner banks, monetizing via bank referral commissions.
- Ownership category
- akta.pro rank
Hesapkurdu industry classification
Industry- Product category
- Financial Product Comparison
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)
Keywords
Where Hesapkurdu is headquartered
LocationHeadquarters
- HQ city
- Kadikoy
Offices1 record
Markets served
Hesapkurdu business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Bank Commission/Referral Fees: Hesapkurdu generates revenue by charging banks a commission fee for each successful credit card, loan, or other financial product application submitted through the platform. The service is completely free for consumers, with all operational costs covered by bank partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Consumer Access |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Hesapkurdu product offering
Product offeringCore offering
Hesapkurdu is a Turkish online financial comparison platform that aggregates credit cards, personal/mortgage/auto loans, deposits, commercial banking products, and insurance offerings from more than 20 partner banks. Consumers can independently compare interest rates, terms, fees, and promotional offers across banks, use financial calculation tools, and submit applications through the platform. The service is free for end users, with revenue generated from referral commissions paid by partner banks on approved applications.
Product overview
Hesapkurdu.com is Turkey's leading financial comparison platform offering a comprehensive suite of products across credit cards, loans, deposits, and commercial banking. The platform aggregates real-time offers from over 20 partner banks, enabling users to compare credit cards (interest-free cash advance, points-earning, miles-earning, student, and fee-free cards), personal loans, mortgages, vehicle loans, SME loans, deposits, funds, and commercial products. The ecosystem includes financial calculation tools, a credit score monitoring service (Findeks integration), new customer acquisition programs, and an educational knowledge center with guide articles.
Differentiator
Problem solved
Functional benefit
Products and services
- Kredi Kartı (Credit Cards) Comparison and application service for credit cards including interest-free cash advance cards, points-earning cards, miles-earning cards, student cards, and fee-free cards from multiple partner banks, targeted at individual Turkish consumers.
- Kredi (Loans) Comparison and application service for personal loans, interest-free loans, debt consolidation loans, mortgage loans, and vehicle loans from multiple Turkish banks, targeted at individual borrowers.
- Mevduat & Yatırım (Deposits & Investment) Comparison service for savings accounts, investment funds, foreign exchange rates, and gold price tracking to support consumer investment and deposit decision-making.
- Ticari (Commercial Banking) Comparison and application service for commercial banking products including SME loans, commercial credit cards, business account opening, and POS terminals, targeted at Turkish small and medium enterprises.
- Sigorta (Insurance) Insurance product comparison and recommendation service offered to consumers through integration with partner platform Koalay.com.
- Kredi Notu (Credit Score) Free credit score checking and monitoring service integrated with Findeks, enabling users to view their credit rating and receive personalized product recommendations.
Companies that use Hesapkurdu
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles2 records
Hesapkurdu technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
Hesapkurdu partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- AkbankcoreAkbank is a key banking partner on the Hesapkurdu platform, offering credit cards (Axess), personal loans, and other financial products through the comparison platform. Hesapkurdu receives referral commissions for successful applications submitted through the platform.
- Garanti BBVAcoreGaranti BBVA is a major banking partner offering Bonus credit cards and various loan products through Hesapkurdu. The bank provides promotional offers including 0% interest cash advances for new customers.
- QNB (QNB Finansbank)coreQNB offers credit cards and loan products through the Hesapkurdu platform, including promotional 0% interest loan offers for new customers.
- İş Bankasıcoreİş Bankası offers Maximum credit cards and various loan products through Hesapkurdu, with promotional offers for new customers including 0% interest installment options.
- DenizBankcoreDenizBank is a banking partner offering Bonus credit cards and commercial banking products through the Hesapkurdu platform.
- Ziraat BankasıcoreZiraat Bankası, Turkey's largest state bank, offers Bankkart credit cards and various loan products through the Hesapkurdu comparison platform.
- VakıfBankcoreVakıfBank offers credit cards (World card program) and loan products through Hesapkurdu, including promotional offers for new customers.
- Italian PartnersminorHesapkurdu has Italian-origin partners who are among the world's largest in their fields, bringing long-standing experience in banking and financial product comparison from international markets.
- Albaraka TürkcoreAlbaraka Türk is a participation bank partner offering Islamic banking compliant credit cards (World Kart, Kâr Paysız Fırsat) and financing products through the Hesapkurdu platform.
- TEB (Türk Ekonomi Bankası)coreTEB offers Bonus credit cards and various banking products through Hesapkurdu, including premium card options and commercial banking solutions.
- Enpara.comcoreEnpara.com, QNB Finansbank's digital banking brand, offers fee-free credit cards and banking products through Hesapkurdu, including lifetime fee-free card promotions.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Hesapkurdu competitors and assessment
Company assessmentRegional players
- CompareHero: Southeast Asian (Malaysia-led) financial product comparison platform with credit card and loan comparison. Closest regional model match to Hesapkurdu in an adjacent emerging market.
Direct peers
- Enuygun.com: Leading Turkish comparison platform starting with travel and expanding into financial products (loans, credit cards). Same business model of aggregating offers from multiple providers with commission-based monetization.
- Hangikredi.com: Turkish financial product comparison platform directly competing with Hesapkurdu. Offers similar credit card, personal loan, and mortgage comparison features across multiple Turkish banks.
- BankBazaar: India's largest financial product comparison marketplace for credit cards, loans, and insurance. Closest emerging-market peer with the same bank-commission model, multi-product scope, and free consumer access.
Broad incumbents
- Credit Karma: US-based credit score and financial product comparison platform owned by Intuit. Comparable through free consumer model and credit-score-driven personalization, though at much larger scale and with broader product breadth.
- NerdWallet: US personal finance comparison platform covering credit cards, loans, banking, and insurance. Comparable in affiliate/lead-gen monetization model and content-led SEO acquisition strategy.
- GoCompare: UK-based price comparison platform operating across insurance and financial products. Directly comparable business model (commission-based, multi-bank/multi-product marketplace) though in a more mature market.
- MoneySupermarket: UK-listed leading price comparison platform for insurance, financial services, and utilities. Operates the same commission-based comparison marketplace model that Hesapkurdu runs in Turkey.
Emerging players
- Finder: Global financial product comparison platform with affiliate/lead-gen monetization across credit cards, loans, and banking products. Comparable in model though smaller scale and broader geographic footprint.
Others
- Koalay.com: Turkish insurance comparison platform and existing investor/partner of Hesapkurdu. Comparable in financial product comparison model but focused specifically on insurance vertical.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Hesapkurdu social profiles
Digital presenceHesapkurdu compliance and trust
Trust signalCompliance4 records
Hesapkurdu financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hesapkurdu leadership team
Management profileNumber of profiles
Profiles1 record
Hesapkurdu funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hesapkurdu 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 Hesapkurdu
What does Hesapkurdu do?
Hesapkurdu is a Turkish online financial comparison platform that aggregates credit cards, personal/mortgage/auto loans, deposits, commercial banking products, and insurance offerings from more than 20 partner banks. Consumers can independently compare interest rates, terms, fees, and promotional offers across banks, use financial calculation tools, and submit applications through the platform. The service is free for end users, with revenue generated from referral commissions paid by partner banks on approved applications.
Is Hesapkurdu a public or private company?
Hesapkurdu is a private company. It is classified as unknown and is currently operating.
When was Hesapkurdu founded?
Hesapkurdu was founded in 2011. It employs 101 to 250 people.
Where is Hesapkurdu based?
Hesapkurdu is headquartered in Kadikoy.
How does Hesapkurdu make money?
One revenue line is on record: bank Commission/Referral Fees.
Who are Hesapkurdu's main competitors?
CompareHero is listed as a regional player. Direct peers are Enuygun.com, Hangikredi.com and BankBazaar. Broad incumbents are Credit Karma, NerdWallet, GoCompare and MoneySupermarket. Finder is listed as an emerging player. Koalay.com is listed as an others.
Does Hesapkurdu have an API?
No public API is recorded for Hesapkurdu.
What industry is Hesapkurdu in?
Hesapkurdu's product category is Financial Product Comparison. Its primary akta.pro industry code is BPAMAGAH, Price Comparison, Deals, Cashback & Loyalty Shopping Platforms. Its NAICS code is 5223 and its SIC code is 6163.