What CEPTETEB does

CEPTETEB is the digital-only banking channel of Türk Ekonomi Bankası A.Ş. (TEB), one of Turkey's established private banks, operating from Istanbul and serving retail consumers and SMEs across Turkey through mobile and internet channels with no physical branches of its own. The platform is delivered through three primary client surfaces: CEPTETEB Mobil for retail consumers, CEPTETEB İşTE for SMEs and commercial customers, and CEPTETEB İnternet Şubesi for web-based access. Underlying technology includes video-call-based identity verification for fully remote account opening, real-time FAST instant payment rails, QR-code payments via CEPTETEB Cüzdan, open banking aggregation of external bank accounts, and a multi-layered security architecture (single-use passwords, virtual keyboard, IP restrictions, time-windowed transaction limits).

The product portfolio spans credit cards (Dijital Kredi Kartı, TEB Classic, Platinum, Infinite, SHE, Marifetli), deposit accounts (Marifetli daily-interest account, Vadeli term deposit, Altın/Gümüş commodity accounts), personal and commercial loans, overdraft facilities (KMH), insurance (Kasko, health, home, accident, card protection), and investment services (TEB FX, mutual funds, equities, IPO subscriptions, fund advisory). The platform monetizes through loan interest income, credit card interchange and revolving interest, deposit margins, POS merchant commissions, insurance distribution fees via BNP Paribas Cardif, and investment product distribution. GTM is digital-first and product-led: self-service onboarding, referral programs, app store presence, and an extensive partner ecosystem (25+ integrations across travel, automotive, lifestyle, accounting, factoring, and sustainability) plus the CEPTETEB SÜPER super-app marketplace that bundles non-banking discounts to drive engagement. The platform has accumulated 15+ international and regional awards between 2017 and 2024, including repeated recognition from Global Finance, Asian Banker, The Banker, and Stevie, primarily for digital banking innovation in both retail and SME segments.

Name

CEPTETEB

Legal name

Türk Ekonomi Bankası A.Ş.

Website

https://cepteteb.com.tr

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

CEPTETEB is the digital-only banking channel of Türk Ekonomi Bankası (TEB), serving Turkish retail consumers and SMEs via mobile and internet banking with credit cards, deposits, loans, insurance, investments, and POS acquiring, monetized through interest spreads, interchange, and distribution fees.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Commercial Banking (52211), Nondepository Credit Intermediation (5222)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)

akta.pro secondary industries

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Digital retail banking
• Mobile banking services
• Commercial banking solutions
• Consumer credit products
• Investment trading services

Headquarters

HQ city

Istanbul

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: Interest income from personal loans (up to 500,000 TL with 3-month deferred payment options), commercial loans, and Kredili Mevduat Hesabı (overdraft account) facilities.
2. Credit Card Revenue: Interchange fees on credit card transactions, interest on revolving balances and cash advances, annual card fees on premium cards, and transaction fees on installment plans.
3. Deposit Margins: Interest rate spread earned on customer deposits including vadeli hesap (term deposits), Marifetli Hesap (interest-bearing checking), and gold/silver accounts.
4. POS Transaction Fees: Commission income from merchant POS terminals for commercial CEPTETEB İŞTE customers. Commercial POS commission rates offered at promotional rates (0%, 1.99%, 2.29%, 2.99%) for new merchants.
5. Insurance Distribution: Commission revenue from sale of insurance products including auto insurance (Kasko), health insurance (Tamamlayı Sağlık Sigortası), home insurance (Konut Sigortası), personal accident, and credit card protection.
6. Investment Product Distribution: Distribution fees from investment funds, foreign exchange trading (TEB FX), equity trading, and public offerings (halka arz).

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

CEPTETEB is the digital-only banking platform of Türk Ekonomi Bankası A.Ş. (TEB), offering retail and commercial banking services through mobile applications and internet banking. Customers can open accounts remotely via video call, apply for digital credit cards and personal loans up to 500,000 TL, hold interest-bearing checking and term deposits, trade investments, purchase insurance, and access SME/commercial banking features such as POS, check management, and digital letters of guarantee.

Product overview

CEPTETEB is the digital banking platform of Türk Ekonomi Bankası A.Ş. (TEB), offering a comprehensive suite of retail and commercial banking products through mobile, internet, and POS channels. The product portfolio consists of two primary mobile applications: CEPTETEB Mobil (retail digital banking) and CEPTETEB İŞTE (commercial digital banking), complemented by CEPTETEB İnternet Şubesi (web banking). The retail offering includes credit cards (CEPTETEB Dijital Kredi Kartı, TEB Classic, Platinum, Infinite, SHE, Marifetli Card), deposit accounts (CEPTETEB Marifetli Hesap, Vadeli Hesap, Altın/Gümüş Hesabı), personal loans, insurance products (Kasko, Tamamlayıcı Sağlık, Konut, Ferdi Kaza), and investment services (TEB FX, Yatırım Fonları, Hisse Senedi, Halka Arz, Fon Danışmanım). The commercial segment (CEPTETEB İŞTE) serves business customers with merchant POS management, check/booklet tracking, commercial credit cards (TEB TROY Business), digital guarantee letters, commercial installment loans, and factoring services. Supporting features include CEPTETEB Cüzdan (QR payments), CEPTETEB Süper (super-app marketplace), Finans Koçu (financial coaching), and ÜniversiTEB (student banking). The platform integrates open banking for viewing external bank accounts and offers extensive partner integrations for travel (ENUYGUN), automotive (TEB Arval, Auto King), lifestyle (Muhiku, Sosyopix), utilities (Marmara Elektrik), and business services (Logo İşbaşı, 3pmetrics, Geliver).

Differentiator

Problem solved

Functional benefit

Brands

• CEPTETEB Ayricaliklari: Premium benefits and privileges program for CEPTETEB customers
• CEPTETEB Süper
• GastroClub Ayricaliklari
• TEB Classic Card
• TEB Infinite Card
• TEB Platinum Card
• TEB Marifetli Card
• TEB SHE Card
• CEPTETEB Cüzdan
• TEB FX
• UniversiTEB
• CEPTETEB Marifetli Hesap
• CEPTETEB Vadeli Hesap
• CEPTETEB Dijital Kredi Karti
• CEPTETEB Banka Karti
• TELEPATI

Products and services

• CEPTETEB Mobil Mobile banking application for individual retail customers enabling account opening, money transfers, credit card and loan applications, deposits, investments, insurance, and lifestyle services.
• CEPTETEB İŞTE Mobile banking application dedicated to small and medium-sized enterprises and commercial customers, providing cash management, POS, check management, digital letters of guarantee, and commercial credit origination.
• CEPTETEB İnternet Şubesi (Internet Branch) Web-based internet banking portal providing account access, transfers, card and loan services, deposits, investments, and insurance for CEPTETEB retail and commercial customers.
• CEPTETEB Dijital Kredi Kartları (Credit Cards) Suite of digitally issued credit cards (TEB Classic, Platinum, Infinite, SHE, Marifetli for retail; TEB TROY Bonus Business and Business Platinum for commercial) with instant issuance, first-year fee waiver, and integrated mobile management.
• CEPTETEB Banka Kartı (Debit Card) Debit card linked to a customer's CEPTETEB account for ATM withdrawals, POS purchases, and online payments.
• CEPTETEB İhtiyaç Kredisi (Personal Loan) Unsecured personal loan product for retail customers, available up to 500,000 TL through the CEPTETEB mobile app, with promotional interest rates for new customers.
• CEPTETEB Marifetli Hesap (Interest-Bearing Checking Account) Checking account that pays daily accrued interest on the balance, providing transactional access alongside yield for retail customers.
• CEPTETEB Vadeli Hesap (Term Deposit) Fixed-term deposit product in TRY and foreign currencies for retail and commercial customers, opened and managed through the CEPTETEB apps.
• Altın Hesabı (Gold Account) Gold-denominated savings account enabling customers to hold and transact in gold via the CEPTETEB app.
• Gümüş Hesabı (Silver Account) Silver-denominated savings account for customers to hold and transact in silver through the CEPTETEB app.
• CEPTETEB Cüzdan (QR Wallet) QR-based digital wallet enabling contactless person-to-person and merchant payments through the CEPTETEB mobile app.
• CEPTETEB SÜPER (Lifestyle Super-App Marketplace) Super-app lifestyle and shopping layer within the CEPTETEB mobile app that aggregates partner services such as travel eSIMs, travel deals, automotive services, and consumer offers alongside core banking.
• CEPTETEB Yatırım Fonları (Mutual Funds) Distribution of investment fund (mutual fund) products to retail customers through the CEPTETEB investment platform, supported by the Fon Danışmanım fund advisor tool.
• CEPTETEB Hisse Senedi (Stock Trading) Brokerage service enabling retail customers to trade equities (Borsa Istanbul listed stocks) directly from the CEPTETEB mobile app.
• CEPTETEB Halka Arz (IPO Subscription) Service enabling retail customers to subscribe to initial public offerings (IPOs) of Turkish companies directly through the CEPTETEB mobile app.
• TEB FX (Forex Trading) Foreign exchange trading service enabling retail customers to buy and sell major and emerging market currencies through the CEPTETEB platform.
• CEPTETEB Sigorta Ürünleri (Insurance Products) Distribution of personal insurance products to retail customers via the CEPTETEB app, including auto (Kasko), supplemental health, credit life, personal accident, home, home contents, credit card protection, and identity protection coverages.
• Kredili Mevduat Hesabı (Overdraft / KMH) Overdraft credit line attached to a customer's checking account, allowing withdrawals up to an approved limit when the balance is insufficient, with an installment-based variant (Taksitli KMH) also offered.
• CEPTETEB Taksitli Nakit Avans (Installment Cash Advance) Cash advance product that allows credit card customers to withdraw cash and repay in installments via the CEPTETEB mobile app.
• ÜniversiTEB (Student Banking) Banking program targeted at university students, offering tailored accounts, cards, and benefits accessible through the CEPTETEB mobile app.
• CEPTETEB İŞTE Ticari Taksitli Kredi (Commercial Installment Loan) Installment-based commercial credit product for SME and business customers, originated digitally through the CEPTETEB İŞTE app.
• CEPTETEB İŞTE POS Hizmetleri (POS Acquiring) Merchant POS acquiring service for SME and commercial customers, with tiered commission rates (0%, 1.99%, 2.29%, 2.99%) by volume/MCC, managed through the CEPTETEB İŞTE app.
• CEPTETEB İŞTE Çek Karnesi (Check Book Management) Service enabling commercial customers to issue and manage post-dated and current checks digitally through the CEPTETEB İŞTE app.
• CEPTETEB İŞTE Dijital Teminat Mektubu (Digital Letter of Guarantee) Service enabling commercial customers to obtain and issue letters of guarantee digitally through the CEPTETEB İŞTE app.
• CEPTETEB İŞTE Finansal Durum Takibi (Financial Position Monitoring) Real-time cash flow, receivable, and payable monitoring service for SME and commercial customers, available within the CEPTETEB İŞTE app.
• CEPTETEB Açık Bankacılık (Open Banking) Open banking service exposing CEPTETEB account data and payment initiation via APIs, enabling third-party financial applications to integrate with customer accounts.
• CEPTETEB Ayrıcalıkları (Loyalty Program) Customer loyalty and rewards program offering discounts, GastroClub dining benefits, and partner offers accessible through the CEPTETEB mobile app.

Quantifiable outcome

• Up to 140,000 TL annual bonus value through credit card campaigns
• +3 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration37 records

Feature5 records

Partnerships

23 partnerships are on record, tiered minor and core.

• AiralominorGTM or Marketing PartnerE-sim package partnership for international travel. CEPTETEB customers receive 20% discount on Airalo e-sim packages for travel abroad. CEPTETEB İŞTE commercial customers receive 25% discount.
• EnuygunminorGTM or Marketing PartnerTravel partnership offering CEPTETEB customers exclusive discounts on flights (150-300 TL off), hotels (10% off for bookings 7,500-10,000 TL and above), and car rentals (10% off).
• Auto KingminorGTM or Marketing PartnerCar service partnership providing CEPTETEB customers 20% discount on all labor and car grooming services at Auto King Service Centers. Also offered with MTV payment campaigns.
• MuhikuminorGTM or Marketing PartnerGift platform partnership offering CEPTETEB customers 20% discount on gift purchases between 750 TL and 2,000 TL.
• Servis PlanminorGTM or Marketing PartnerVehicle maintenance partnership offering CEPTETEB customers 32% discount on tire change, balance, storage, and annual Rahat Plan membership; also 32% off on periodic maintenance packages.
• OtomateminorGTM or Marketing PartnerCar maintenance partnership offering CEPTETEB customers 1,000 TL discount on periodic maintenance, repair, and inspection services.
• OOAutosminorGTM or Marketing PartnerCar wash partnership offering CEPTETEB customers 20% discount at OOAutos locations.
• TEB ArvalcoreChannel Partner/ Reseller/ DistributorCommercial vehicle leasing partnership for CEPTETEB İŞTE business customers. Offers include Tesla Model Y rental from 50,000 TL, Hyundai i20 from 30,599 TL, and other vehicle leasing options with special commercial rates.
• Logo (Logo İşbaşı)minorGTM or Marketing PartnerE-invoice and accounting software partnership for CEPTETEB İŞTE business customers. Offers 25% discount on Logo İşbaşı annual packages plus free e-Invoice transition consulting and 1,000 e-Document credits.
• BNP Paribas CardifcoreChannel Partner/ Reseller/ DistributorPension (BES) and insurance distribution partnership. CEPTETEB customers can purchase individual pension through CEPTETEB Süper with BNP Paribas Cardif, receiving bonus rewards (e.g., 2,000 TL bonus + 1,000 TL Migros voucher for BES applications).
• GardropsminorGTM or Marketing PartnerSecondhand clothing marketplace partnership. CEPTETEB customers linking their account receive faster payouts - within 2 hours instead of 2 days.
• WalkersAppminorGTM or Marketing PartnerFitness app partnership offering CEPTETEB customers 2,500 Walkers Points gift when they register with a campaign code.
• Waste LogminorGTM or Marketing PartnerRecycling partnership allowing CEPTETEB customers to earn double carbon points when recycling through Waste Log.
• Petrol OfisiminorGTM or Marketing PartnerFuel partnership for CEPTETEB İŞTE commercial customers. TEB company credit card holders registered with Petrol Ofisi AutoMatic Fleet Management System receive 2% discount on fuel purchases.
• OseviominorGTM or Marketing PartnerFlower delivery partnership offering CEPTETEB customers 15% instant discount on flower deliveries through Osevio.com.
• SosyopixminorGTM or Marketing PartnerPhoto product partnership offering CEPTETEB customers 15% discount on personalized photo products through Sosyopix.
• PelcareminorGTM or Marketing PartnerSkincare products partnership offering CEPTETEB customers 20% discount on Pelcare products for purchases of 2,000 TL and above.
• Marmara ElektrikminorGTM or Marketing PartnerElectricity supply partnership for CEPTETEB İŞTE commercial customers. Offers discounted electricity rates for businesses with monthly consumption of 10,000 kWh and above.
• 3pmetricsminorGTM or Marketing PartnerSustainability partnership for CEPTETEB İŞTE commercial customers. Offers 20% discount on carbon footprint and water footprint reporting packages to help businesses comply with EU Green Deal and Carbon Border Adjustment Mechanism.
• HuginminorChannel Partner/ Reseller/ DistributorPOS terminal provider partnership for CEPTETEB İŞTE commercial customers. Offers discounted TIGER T300 4G POS terminals with installment options.
• BandwittminorGTM or Marketing PartnerDigital solutions partnership offering CEPTETEB İŞTE commercial customers access to digital tools and solutions at preferential rates.
• GeliverminorGTM or Marketing PartnerShipping/logistics partnership for CEPTETEB İŞTE commercial customers. Offers up to 75% additional discount on shipping costs through Geliver platform.
• TEB FaktoringcoreChannel Partner/ Reseller/ DistributorFactoring services partnership for CEPTETEB İŞTE commercial customers. Provides fast and fee-free cash advances against invoices for commercial customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Revolut: Global digital banking super-app with multi-currency accounts, cards, transfers, and embedded commerce. Broad incumbent comparable — same mobile-first digital banking DNA, larger scale, multi-market footprint, and super-app partner integrations similar to CEPTETEB Süper.
• NuBank (Nubank): Latin America's largest digital bank with mobile-first accounts, credit cards, and loans, backed by a parent banking group. Broad incumbent — same digital-banking-as-a-channel model as CEPTETEB, but at much larger scale.

Direct peers

• Papara: Leading Turkish digital-only financial platform offering accounts, cards, payments, and crypto on/off-ramp. Direct peer competing for the same digital-native Turkish retail customer with a mobile-first proposition.
• QNB Mobile (QNB Finansbank): QNB Finansbank's mobile banking app with similar retail/SME product breadth in Turkey. Direct peer competing in digital onboarding, credit cards, and commercial banking services.
• İşCep (İş Bankası): İş Bankası's mobile banking platform — Turkey's largest incumbent bank's digital channel. Direct peer offering full retail/commercial banking products via mobile, with massive scale and similar product breadth.
• N Kolay (ING Bank Türkiye): ING's digital banking sub-brand in Turkey offering video-based onboarding, accounts, and lending. Direct peer with a similar digital-only positioning backed by a major international banking group.
• EnPara: DenizBank's digital-only banking brand in Turkey. Direct peer — same digital-first model, video/online onboarding, mobile app focus, deposit/credit card/loan product suite, and parent bank regulatory backing. Closest structural analogue to CEPTETEB within Turkey.
• Tosla (Hayat Finans): Turkey's first Sharia-compliant digital bank under BDDK licensing. Direct peer offering app-based account opening, digital cards, and deposits targeting a digital-first customer base in the same Turkish market.
• Garanti BBVA Mobile: Garanti BBVA's mobile banking app serving Turkish retail and SME customers. Direct peer competing head-to-head in mobile account opening, cards, loans, and SME banking services.
• YapıKredi Mobile: Yapı Kredi's mobile banking platform offering retail and commercial digital banking. Direct peer with similar full product suite and video-based onboarding to serve Turkish digital-first customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Customer concentration

• LinkedInlinkedin.com/company/3575243

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about CEPTETEB