QNB Türkiye

What QNB Türkiye does

QNB Türkiye (legally QNB Bank A.Ş.) is one of Turkey's largest privately held banks, founded in 1987 as Finansbank and acquired by Qatar National Bank (QNB Group) in 2016 before being rebranded. Operating from its Istanbul headquarters with 10,000+ employees, the bank serves retail individuals, SMEs (KOBİ), and commercial/corporate customers across Turkey through a multi-channel distribution network that includes physical branches, ATMs, dedicated call centers, mobile banking (QNB Mobil), internet banking, and Borsa İstanbul precious metals intermediation. Its product portfolio spans personal and mortgage loans, credit cards (including co-branded variants with Trabzonspor, Fenerbahçe, Trendyol, and Miles&Smiles), deposits, investment products, insurance distribution, and pension plans, while corporate banking offers cash management, foreign trade (QNB Global Trade), and project finance.

The bank's technology stack centers on QNB Mobil, its full-featured mobile banking app offering account management, transfers (EFT/havale), credit applications, and card management, complemented by Open Banking APIs via the BKM GEÇİT gateway and a Banking-as-a-Service (Servis Bankacılığı) platform enabling third-party embedding of banking products. Additional proprietary capabilities include the Dijital Köprü B2B digital transformation platform for SMEs (e-invoice, e-document), voice recognition in the call center, the 'Q – Dijital Zeka' AI assistant for spending pattern detection, and climate-neutral digital infrastructure backed by IREC renewable energy certificates and wind-energy carbon credits.

QNB Türkiye generates revenue across five primary streams: interest income from consumer, mortgage, SME, and corporate lending; transaction-based fee and commission income from accounts, transfers, and POS; credit card operations (annual fees, revolving interest, merchant commissions); insurance distribution commissions; and investment product / FX-related revenue. Its go-to-market combines direct retail and corporate sales at branches, inside sales through dedicated phone banking, self-service digital channels, and BaaS/OEM-style embedded distribution. Recent capital actions include a $100M IFC investment in a first-of-its-kind ICMA-aligned climate transition bond (December 2025), $600M syndicated facility (July 2025), and $500M financing round (January 2026), alongside EBRD facilities supporting women-led SMEs — collectively signaling active balance sheet expansion and a strategic pivot toward transition finance.

Name

QNB Türkiye

Legal name

QNB Bank A.Ş.

Website

https://qnb.com.tr

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

QNB Türkiye is a privately held Turkish bank owned by Qatar National Bank Group, serving retail, SME, and corporate customers across Turkey through branches, digital channels, and BaaS. It offers lending, deposits, cards, trade finance, and sustainability-linked products via its QNB Mobil platform.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (522110), Nondepository Credit Intermediation (5222), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

akta.pro secondary industries

Personal Financial Management & Budgeting (PFM) (FSAGAAAH), Cross-Border A2A & Bank Transfer Networks (FSAMAIAF)

Keywords

• Retail banking services
• Commercial banking
• SME lending
• Credit card services
• Digital banking

Headquarters

HQ city

Sisli

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Traditional banking interest income from lending products including consumer loans, mortgages, SME loans, and commercial loans
2. Fee and Commission Income: Transaction fees from account management, transfers (EFT, havale), POS transactions, and other banking services
3. Credit Card Operations: Revenue from credit card transactions, annual fees, interest on revolving credit, and merchant commissions (POS)
4. Insurance Distribution: Commission revenue from selling insurance products including life, health, and property insurance
5. Investment Products: Revenue from investment funds, treasury operations, and foreign exchange transactions

Pricing tiers

Go-to-market motion1 record

Distribution channels11 records

Marketing channels12 records

Core offering

QNB Türkiye (QNB Bank A.Ş.) provides comprehensive retail, SME, and commercial banking services across Turkey, including deposit and savings accounts, consumer and mortgage loans, a broad credit-card portfolio (standard, premium, co-branded, retiree, and healthcare-worker variants), SME and corporate lending, foreign trade finance via QNB Global Trade, cash management, POS/merchant acquiring, investment products, insurance distribution, and individual pensions. Distribution is delivered through a nationwide branch network, the QNB Mobil mobile app, Internet Branch online banking, ATMs, call center, the Dijital Köprü B2B e-transformation platform, and a Banking-as-a-Service API offering.

Product overview

QNB Türkiye (QNB Bank A.Ş.) is a comprehensive banking group offering a full range of financial services through physical branches, digital banking channels, and call centers. The product portfolio includes: retail banking products (personal loans, mortgages, credit cards including QNB Kredi Kartı, QNB Xtra, QNB Fix, QNB Emekli, QNB Hemşire, QNB First, and co-branded cards with Trabzonspor, Fenerbahçe, Trendyol, Miles&Smiles), deposit and savings accounts, investment services, insurance, and pension products. Business banking encompasses SME loans, commercial/corporate loans, POS terminals, cash management, and foreign trade services via QNB Global Trade. Digital banking is delivered through QNB Mobil (mobile app), İnternet Şubesi (internet banking), QNB 724 call center, and the Dijital Köprü B2B platform for SME e-transformation. Premium services include QNB First and QNB Private. The bank also offers innovative services like Açık Bankacılık (Open Banking), Servis Bankacılığı (BaaS), and Ödeme İste (payment request), with a commitment to sustainable finance through climate-friendly digital platforms.

Differentiator

Problem solved

Functional benefit

Brands

• QNB First: Premium credit card and banking services for high-net-worth customers
• QNB Private
• Enpara
• QNB Fix
• QNB Xtra
• QNB Emekli
• QNB Hemşire
• Dijital Köprü
• QNB Mobil

Products and services

• Consumer Loans (İhtiyaç Kredisi / Bireysel Krediler) Personal need-based loans for individual customers covering general financing needs, debt consolidation, home improvements, and other consumer purposes, with customer-specific interest rates based on credit score.
• Mortgage / Housing Loan (Konut Kredisi) Housing loans for individual customers purchasing real estate, with flexible repayment terms.
• SME Loans (KOBİ Kredileri) Business loans and credit facilities for small and medium-sized enterprises covering working capital and investment financing needs.
• Commercial / Corporate Loans (Ticari/Kurumsal Krediler) Term loans, revolving credit facilities, and project financing for large commercial and corporate clients.
• QNB Kredi Kartı (Standard Credit Card) Standard credit card offering shopping benefits at 170,000+ merchants, installment options, and ParaPuan rewards.
• QNB Fix Kredi Kartı (Fee-Free Credit Card) Credit card with no annual membership fee offering installments and ParaPuan features for cost-conscious customers.
• QNB Xtra Kredi Kartı Credit card with extra benefits and campaigns at partner merchants, offering Hediye Para rewards for purchases at over 250,000 acceptance points.
• QNB Emekli Kredi Kartı (Retiree Card) Credit card for retirees with discounts on groceries and pharmacies, flexible payment options, waived first-year annual fee, and automatic bill payment enrollment.
• QNB Hemşire Kredi Kartı (Healthcare Workers Card) Credit card exclusively for healthcare workers (nurses, midwives, health officers) offering urgent cash access, automatic bill payment, and special discount programs.
• QNB First Kredi Kartı (Premium Card) Premium credit card with exclusive benefits, priority services, and special privileges for QNB First banking customers.
• QNB First Doctors Kredi Kartı Premium credit card for doctors with exclusive benefits, priority access, and special offers within the QNB First program.
• Co-branded Credit Cards (Trabzonspor, Fenerbahçe, Trendyol, Miles&Smiles) Co-branded credit cards combining QNB banking benefits with Trabzonspor and Fenerbahçe club privileges, Trendyol e-commerce discounts, and Miles&Smiles flight miles accumulation.
• QNB Nakit Banka Kartı (Debit Card) Bank debit card with contactless payment, ParaPuan rewards, 3D Secure protection, and integration with Ek Hesap overdraft account.
• Savings and Deposit Products (Birikim ve Mevduat Ürünleri) Savings and deposit products including time deposits, demand deposits, and special savings accounts with competitive interest rates for individuals and corporates.
• Investment Products (Yatırım Ürünleri) Investment products and services including mutual funds, bonds, stocks, gold trading, and portfolio management for individual and corporate investors.
• Personal Insurance (Bireysel Sigortalar) Personal insurance products including life, health, property, and casualty insurance offered through QNB insurance partnerships.
• SME Insurance (KOBİ Sigortalar) Insurance products for SME businesses including commercial property, liability, and business interruption coverage.
• Individual Pension (Bireysel Emeklilik / BES) Individual pension (BES) and retirement savings products for personal retirement planning with government contribution matching.
• POS Solutions for SMEs (KOBİ POS Çözümleri) Point-of-sale terminal services for SMEs enabling card payment acceptance with various terminal options and merchant support.
• QNB Global Trade (Foreign Trade Services) Foreign trade and global trade services including export-import financing, letters of credit, and trade finance solutions for businesses engaged in international commerce.
• Corporate Cash Management (Nakit Yönetimi) Corporate cash management services including liquidity management, payment factory solutions, and treasury services for business customers.
• QNB First Premium Banking Premium banking service offering exclusive benefits, priority services, and special privileges for high-value customers.
• QNB Private Banking Private banking service for wealth-management clients with personalized financial advisory and exclusive product access.
• Expat / Foreign Customer Banking (Yabancı Müşteriler) Banking services for foreign customers and expatriates including multi-currency accounts and international transfer services.
• Professional Group Banking Services (Meslek Gruplarına Özel) Banking services tailored for specific professional groups including doctors, lawyers, engineers, and other occupational segments with customized products.
• QNB Mobil (Mobile Banking App) Mobile banking application enabling customers to perform all banking transactions including loans, credit cards, money transfers, bill payments, and investment operations on iOS and Android.
• Internet Branch (İnternet Şubesi) Online banking portal for desktop and laptop users to manage accounts, conduct transactions, and access banking services via web browser.
• QNB 724 / 7/24 Banking Service Round-the-clock digital banking service accessible via mobile app, internet branch, and ATM for continuous banking operations.
• Call Center (Çağrı Merkezi) Banking Telephone banking service available 7/24 with voice-recognition technology, providing support for credit cards, loans, account management, and general banking inquiries through automated and live-agent assistance.
• Dijital Köprü (Digital Bridge B2B Platform) B2B digital platform offering e-transformation services including e-invoice, e-archive, and e-document solutions for SMEs, with free lifetime access for QNB customers.
• Servis Bankacılığı (Banking-as-a-Service) Banking-as-a-Service platform allowing non-bank companies to embed QNB banking products and services into their own applications via open banking APIs, compliant with BDDK regulations.
• Açık Bankacılık (Open Banking via BKM GEÇİT) Open banking feature enabling customers to view and manage accounts from other banks within QNB Mobil, and allowing third-party access to QNB account data with customer consent via BKM GEÇİT infrastructure.
• KrediGO Mobile Lending App Mobile application for quick and easy credit applications, available on Google Play and App Store for customer convenience.
• Alo Kredi (Phone Lending Service) Dedicated phone line for 24/7 personal loan applications, enabling customers to apply for need-based loans via telephone.
• Enpara (Digital Banking Sub-brand) Digital banking service operated under the Enpara.com brand, planned for separation into Enpara Bank A.Ş. as a separate legal entity under Turkish Commercial Code and Capital Markets Law.
• Climate-Neutral Digital Banking Platforms Carbon-neutral digital banking services covering QNB website, mobile app, internet banking, QNB Invest, Dijital Köprü, QNB eSolutions, QNB Sigorta, Finans Factoring, QNBeyond, and CardFinans, with annual reduction of approximately 122 tons of greenhouse gas emissions through wind-energy projects.

Quantifiable outcome

• 122 tonnes of CO2 equivalent GHG emissions avoided annually through wind energy carbon credit investments
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Feature10 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Artkolik Sanat PlatformuminorStrategic or Co-development PartnerCollaboration with Artkolik Art Platform for the 'Kırılma Noktası: Hikâyenin Sonunu Sen Yaz' exhibition featuring 30 artists creating works from waste materials at QNB's Kristal Kule headquarters. The exhibition focused on climate crisis and environmental issues, accompanied by children's art workshops.
• Borsa İstanbul (Istanbul Stock Exchange)coreStrategic or Co-development PartnerQNB participates in Borsa İstanbul's Precious Metals Market as a precious metals intermediary institution. Operates under Borsa İstanbul's Responsible Supply Chain guidelines for precious metals procurement, ensuring compliance with international standards on human rights, anti-terrorism financing, and AML in gold and precious metals supply chain.
• Erguvan (Carbon Credit Provider)minorOthersEnvironmental firm through which QNB makes voluntary carbon credit investments in wind energy projects to offset Scope 3 emissions from electricity transmission to data centers. The partnership supports approximately 122 tonnes of annual GHG emission reduction.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Türkiye İş Bankası: Turkey's largest private bank by deposits and assets, offering comprehensive retail, SME, and corporate banking with extensive digital and branch channels. Directly comparable universal banking franchise competing head-to-head with QNB Türkiye across all customer segments.
• Garanti BBVA: Major Turkish private bank majority-owned by BBVA, with strong retail, SME, and digital banking franchise. Competes directly with QNB Türkiye in KOBİ lending, credit cards, and digital banking innovation, and shares the profile of being a foreign-affiliated universal bank.
• Yapı Kredi: Top-tier Turkish universal bank jointly owned by Koç Holding and UniCredit, offering retail, SME, corporate, and private banking. Direct competitor in SME lending, credit cards, and digital banking, with comparable branch and digital distribution depth.
• Akbank: Major Turkish private bank with leading digital banking platform (Akbank Direkt) and strong SME/corporate franchise. Closely comparable to QNB Türkiye on digital innovation, credit card portfolio, and SME segment positioning.
• DenizBank: Mid-tier Turkish private bank with strong SME and retail focus; previously owned by Sberbank and now under Emirates NBD. Comparable to QNB Türkiye on SME KOBİ lending, branch network density, and foreign-affiliated governance profile.
• TEB (Türk Ekonomi Bankası): Turkish bank majority-owned by BNP Paribas, focused on SME and commercial banking. Comparable as a foreign-affiliated mid-sized private bank with similar SME segment focus and digital transformation trajectory.

Broad incumbents

• QNB Group (Qatar National Bank): Parent company of QNB Türkiye and the largest bank in MENA by assets. Comparable as the strategic owner providing capital, network, and product capabilities; relevant for understanding QNB Türkiye's positioning within the wider group's international expansion strategy.

Emerging players

• Enpara Bank (planned spin-off): Digital-only banking brand being spun off from QNB Türkiye into a separate entity (Enpara Bank A.Ş.). Directly comparable as QNB Türkiye's incumbent digital franchise, and increasingly a competitor once the spin-off completes.
• Türk Telekom Ödeme (TT Ödeme): Turkish digital payments and e-money company expanding into broader financial services. Relevant as an emerging competitor in QNB Türkiye's BaaS and digital banking adjacencies, particularly around payment orchestration and embedded finance.

Regional players

• HSBC Turkey: Subsidiary of HSBC Holdings serving Turkish corporate and international banking clients. Comparable as a foreign-affiliated Turkish bank focused on trade finance, corporate banking, and serving internationally-connected Turkish businesses.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/qnbfinansbank
• YouTubeyoutube.com/@qnbturkiye
• Facebookfacebook.com/qnbfinansbank
• LinkedInlinkedin.com/company/qnbturkiye
• Instagraminstagram.com/qnbturkiye
• TikToktiktok.com/@qnbturkiye

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QNB Türkiye