N Kolay

What N Kolay does

N Kolay is the consumer-facing digital banking brand of Aktif Yatırım Bankası A.Ş. (Aktif Bank), a BDDK-regulated Turkish investment bank headquartered in Esentepe, Istanbul. Operating as a mobile-first bank with no physical branches, N Kolay delivers its full suite of consumer banking services—including personal loans, instant credit (Kolay Nakit), vehicle and motorcycle loans, installment purchase credit, investment products (N Kolay Bono and Bono XL, Repo, FX, funds, stocks, IPOs, robo-advisory, physical gold and silver via Minted), debit and virtual cards, bill payments, SGK payments, and money transfers—exclusively through the N Kolay Mobil application available on iOS, Android, and Huawei app stores. The company reports 38 employees and hundreds of thousands of users, with all operations domestic to Turkey.

Underlying technology includes QR-code-based cardless ATM cash withdrawal and deposit, open banking (Açık Bankacılık) account aggregation that consolidates external bank balances into a single interface, free 7/24 TRY transfers to crypto platforms, free Istanbulkart transit top-ups, and fully digital customer onboarding via video call (görüntülü görüşme) or courier-delivered document signing. The product-led growth motion relies on fee-free banking and high-yield daily-interest deposits as primary acquisition levers, while offline distribution is layered through a network of point-of-sale installment partners (Arçelik, Beko, Bosch, Bellona, Doğtaş, Escooter) and the Passo Taraftar co-branded sports fan card distributed through passotaraftar.com.tr.

Revenue is generated primarily through interest income on the credit book (personal loans starting from 3.39% monthly, Kolay Nakit at 4.99% after a 30-day interest-free window, vehicle and motorcycle loans, installment purchase credit) and through spreads and management fees on investment products (Bono at 41% advertised rate, Repo, FX, funds, stocks). Transaction fees apply to international money transfers starting from 1 USD/EUR. The company is privately held as a brand under Aktif Yatırım Bankası A.Ş., which is itself unlisted; no separate venture funding has been disclosed for the N Kolay brand.

Name

N Kolay

Legal name

Aktif Yatırım Bankası A.Ş.

Website

https://nkolay.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

N Kolay is the mobile-first digital banking brand of Aktif Yatırım Bankası A.Ş., serving Turkish retail consumers and small businesses with branchless banking, instant credit, investment products, and fee-free payment services through its iOS/Android app.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Depository Credit Intermediation (5221), Nondepository Credit Intermediation (5222)

SIC

Finance Services (6199)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

akta.pro secondary industries

QR Code Payments Wallets (FSAMAEAC), Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Digital banking services
• Consumer credit products
• Investment products trading
• Mobile payment processing
• Money transfer services

Headquarters

HQ city

Istanbul

HQ country

Türkiye

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: N Kolay generates primary revenue through interest earned on various credit products including personal loans (up to 500,000 TL at rates starting from 3.39%), vehicle loans, motorcycle loans, and installment purchase credits. The Kolay Nakit product generates interest revenue after the interest-free period (4.99% rate after 30 days).
2. Investment Product Management: Revenue is generated from managing investment products including Bono (41% interest), Bono XL (higher rates), Repo, FX trading, funds, and stocks. The platform earns spreads and management fees on these investment instruments.
3. Banking Transaction Fees: While many basic transactions are marketed as free (ATM withdrawals, EFT/FAST transfers within Turkey), the platform generates revenue from international money transfers (starting from 1 USD to USA, 1 EUR to Europe), and various payment services including bill payments, SGK payments, and lottery payments.
4. Card and Payment Services: Revenue from card-based transactions, merchant acquiring through N Kolay Sanal Kart and N Kolay Banka Kartı, and the Passo Taraftar co-branded card program with sports fan engagement.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

N Kolay is the mobile-first digital banking brand of Aktif Yatırım Bankası A.Ş. (Aktif Bank), delivering a full suite of consumer banking services entirely through the N Kolay Mobil app with no physical branches. Its offering spans credit products (Kolay Nakit instant cash up to 5,000 TL with 30-day interest-free period, personal loans up to 500,000 TL, vehicle and motorcycle loans, installment shopping credit, BES-secured loans, overdraft accounts), investment products (N Kolay Bono and Bono XL daily-interest deposits, Repo, investment funds, FX, equities, IPO subscriptions, robo-advisor, physical gold/silver), card products (bank card, virtual card, Passo Taraftar co-branded fan card), and payment/transfer services (open banking aggregation, bill/SGK/crypto/lottery/insurance payments, Istanbulkart top-up, QR code payments and cardless ATM access, free 24/7 EFT/FAST/Havale, international transfers).

Product overview

N Kolay is the digital banking platform of Aktif Yatırım Bankası A.Ş. (Aktif Bank), operating as a new-generation digital bank without physical branches. The product ecosystem is anchored by the N Kolay Mobil app (iOS/Android/Huawei), which serves as the unified interface for all services. It encompasses credit products (Kolay Nakit, personal loans up to 500,000 TL, vehicle and motorcycle loans, BES-secured loans, installment shopping credit, graduated installment loans, and overdraft accounts), investment products (N Kolay Bono and Bono XL with daily interest, Repo, investment funds, FX/trading, stocks, IPOs, Robo Advisor, and physical gold/silver via Minted), card products (N Kolay Bank Card, Virtual Card, and Passo Taraftar co-branded fan card), payment and transfer services (Open Banking aggregation, bill/SGK/crypto/lottery/insurance payments, Istanbulkart top-up, QR code payments and ATM cash access, free domestic EFT/FAST transfers, international transfers from 1 USD/EUR, and P2P payment requests), the N Kolay Extra loyalty program, commercial mobile banking, and an installment merchant network. The platform differentiates on fee-free banking (no ATM fees nationwide, free money transfers), high daily deposit interest rates, and fully digital onboarding via video call or courier.

Differentiator

Problem solved

Functional benefit

Brands

• N Kolay Mobil: Mobile banking application for N Kolay customers to manage all banking operations including loans, transfers, investments, and payments.
• N Kolay Extra
• N Kolay Ticari Mobil
• Kolay Nakit
• N Kolay Bono
• N Kolay Bono XL
• N Kolay Robo Danışman
• Passo Taraftar Kart

Products and services

• Kolay Nakit Short-term consumer cash credit offering up to 5,000 TL (10,000 TL for N Kolay Extra members) with 0% interest for 10, 15, or 30 days, single-installment repayment. Funds are deposited immediately upon approval.
• N Kolay İhtiyaç Kredisi (Personal Loan) Personal installment loan of up to 500,000 TL with interest rates starting from 3.39% monthly, applied for and disbursed entirely through the mobile app with weekend processing available.
• N Kolay Taşıt Kredisi (Vehicle Loan) Auto loan product for financing vehicle purchases for individual customers.
• N Kolay Motosiklet Kredisi (Motorcycle Loan) Specialized loan product for motorcycle purchases with tailored financing terms.
• N Kolay Taksit Alışveriş Kredisi (Installment Shopping Credit) Point-of-sale installment credit enabling customers to make purchases at partner merchants (Arçelik, Beko, Bosch, Bellona, Doğtaş, Escooter) with extended repayment terms.
• BES Teminatlı Kredi (Pension-Guaranteed Loan) Loan secured by the customer's individual pension account (BES) balance, allowing access to liquidity while maintaining the pension investment.
• Artan Taksitli İhtiyaç Kredisi (Graduated Installment Personal Loan) Personal loan with gradually increasing installment amounts over the loan tenure, aligning with expected income growth.
• Kredili Destek Hesabı (Overdraft Credit Account) Overdraft facility attached to the customer's account, providing access to credit when the account balance is insufficient.
• N Kolay Bono (Daily Interest Deposit) Daily-maturity deposit product offering high daily interest returns (advertised rate of approximately 41%) with flexible partial withdrawals while remaining balances continue earning interest.
• N Kolay Bono XL Higher-rate variant of the N Kolay Bono product, offering enhanced daily interest rates for deposit investments.
• Repo Repurchase agreement product allowing customers to invest Turkish Lira or foreign currency at chosen maturities with competitive interest rates.
• Fon (Investment Funds) Access to a range of investment funds including money market, bond, equity, and gold funds for portfolio diversification.
• FX (Foreign Exchange) Foreign currency and precious metal trading platform enabling buy/sell transactions for major currencies and gold/silver.
• Hisse Senedi (Stocks) Equity trading service with free real-time market data, allowing customers to buy and sell listed stocks.
• Halka Arz (IPO Subscription) Initial public offering subscription service enabling customers to participate in IPOs.
• N Kolay Robo Danışman (Robo Advisor) Automated investment advisory service that recommends portfolio allocations based on the customer's risk profile and return expectations.
• Fiziki Altın ve Gümüş (Physical Gold and Silver via Minted) Physical gold and silver order service powered by Minted, enabling customers to order precious metals delivered anywhere in Turkey with payment processed through N Kolay.
• N Kolay Banka Kartı (Bank Card) Physical debit card with free ATM withdrawals and deposits at all ATMs across Turkey, and zero card issuance fees.
• N Kolay Sanal Kart (Virtual Card) Virtual/digital-only bank card for secure online shopping with promotional campaigns, without requiring a physical card.
• Passo Taraftar Kart (Passo Fan Card) Co-branded sports fan debit card distributed through passotaraftar.com.tr, offering up to 50% cashback on purchases up to 1,000 TL, built on N Kolay's banking infrastructure.
• Fatura Ödemeleri (Bill Payments) 7/24 bill payment service for all utility bills with no transaction fees.
• SGK Ödemeleri (Social Security Payments) Fast and easy Social Security Institution (SGK) premium payments through the N Kolay platform.
• EFT / Havale / FAST (Domestic Transfers) Instant domestic money transfers via EFT, bank transfer (Havale), and FAST systems available 24/7 with no fees.
• Yurt Dışına Döviz Transferi (International Currency Transfer) International currency transfer service to over 100 countries, marketed starting from 1 USD to the USA and 1 EUR to Europe, available 24/7.
• N Kolay Extra Premium loyalty program offering benefits such as 50% cashback on digital platform subscription payments, up to 10,000 TL Kolay Nakit limit, and exclusive promotional rates.
• N Kolay Ticari Mobil (Commercial Mobile Banking) Mobile banking application designed for business/commercial customers to manage their company's financial needs from anywhere.
• Sigortalar (Insurance) Insurance product application service offering access to a range of insurance products with preferential rates.

Quantifiable outcome

• Up to 5,000 TL instant credit with 30 days interest-free
• +4 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ArçelikcoreChannel Partner/ Reseller/ DistributorArçelik is a partner merchant for N Kolay Taksit Alışveriş Kredisi, enabling customers to purchase Arçelik home appliances with installment credit terms directly at point of sale.
• BekocoreChannel Partner/ Reseller/ DistributorBeko is a partner merchant for N Kolay Taksit Alışveriş Kredisi, allowing customers to buy Beko home appliances with favorable installment terms.
• BoschcoreChannel Partner/ Reseller/ DistributorBosch is a partner merchant for N Kolay Taksit Alışveriş Kredisi, providing installment credit options for Bosch products.
• BellonacoreChannel Partner/ Reseller/ DistributorBellona is a partner merchant for N Kolay Taksit Alışveriş Kredisi, offering installment credit for furniture purchases.
• DoğtaşcoreChannel Partner/ Reseller/ DistributorDoğtaş is a partner merchant for N Kolay Taksit Alışveriş Kredisi, enabling installment credit for furniture purchases.
• EscootercoreChannel Partner/ Reseller/ DistributorEscooter is a partner merchant for N Kolay Taksit Alışveriş Kredisi, providing installment credit options for electric scooter purchases.
• Passo TaraftarminorChannel Partner/ Reseller/ DistributorPasso Taraftar co-branded bank card distributed through passotaraftar.com.tr. Offers 50% cashback on purchases up to 1,000 TL. Built on N Kolay banking infrastructure.
• Aktif Yatırım Bankası A.Ş. (Parent Company)coreOthersN Kolay is a digital banking brand of Aktif Yatırım Bankası A.Ş., operating under the same banking license, regulatory oversight (BDDK), and infrastructure.

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Papara: Turkish digital wallet and neobank offering prepaid cards, P2P transfers, bill payments, investments, and crypto on/off-ramps via mobile app. Closest direct competitor to N Kolay in the Turkish digital-first consumer finance space.
• CEPTETEB (TEB): Digital-only bank of TEB in Türkiye offering accounts, deposits, loans, and card services through mobile-first channels. Competes directly with N Kolay for branchless retail customers.
• Fibabanka (Yıldırım-Bank of Kuveyt Türk): Turkish digital-first bank offering accounts, deposits, consumer loans, and card services with strong mobile app orientation. Comparable in product breadth and digital positioning to N Kolay.
• Enpara (QNB Finansbank): Branchless digital bank of QNB Finansbank in Türkiye offering fee-free accounts, deposits, loans, investments, and payments entirely through app/web. Direct competitor in the Turkish neobanking category.
• ING Bank Türkiye: Digital-led international bank operating in Türkiye with a mobile-first retail proposition including accounts, loans, investments, and cards. Comparable in digital-only positioning and target customer.

Emerging players

• Revolut: Global digital bank/wallet with multi-currency accounts, FX, crypto, P2P, and consumer spend features. Comparable in platform breadth (FX, multi-currency, payments, investments) to N Kolay's broader product suite.

Broad incumbents

• Yapı Kredi Bankası: Major Turkish universal bank with a strong mobile app (World), large card franchise, and broad retail product suite. Sets the incumbent benchmark N Kolay's digital features compete against.
• Garanti BBVA (Bonus & digital channels): Largest Turkish private bank with a robust mobile app, large retail deposit and loan franchise, and broad branch network. Represents incumbent competition N Kolay must convert users away from.
• Akbank: Large Turkish universal bank with mature digital channels (Akbank Direkt), consumer loans, and extensive card business. Represents the incumbent category N Kolay is disrupting.
• Türk Ekonomi Bankası (TEB): Mid-sized Turkish universal bank offering consumer banking, loans, and digital services including the CEPTETEB digital brand. Comparable incumbent parent of a direct peer (CEPTETEB) to N Kolay.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nkolay
• YouTubeyoutube.com/nkolaydunyasi
• Facebookfacebook.com/nkolaydunyasi
• Instagraminstagram.com/nkolaydunyasi
• LinkedInlinkedin.com/company/nkolay

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 N Kolay