Turkiye Garanti Bankasi A.s. SWIFT/BIC code

Turkiye Garanti Bankasi A.s. SWIFT code: TGBATRIS

Whether a recipient gives you TGBATRIS or TGBATRISXXX, it is the identical address for Turkiye Garanti Bankasi A.s. in Türkiye. A SWIFT code shows the sending bank exactly which bank is meant to get the money. It comes up mainly when dealing with payments that cross a border and payments in foreign currencies.

On this page you can read what the code means, when you need it and what else a transfer to or from Turkiye Garanti Bankasi A.s. requires. Remember that the BIC only identifies the bank, not the account: the account number or IBAN does that part.

How to check TGBATRIS before you pay

The best place to find the right code is a document from the bank itself, such as a statement or the account details in online banking. If the code you have does not match TGBATRIS or TGBATRISXXX, stop and ask.

With a wrong code, the payment may be delayed, be returned or end up costing more, and tracing it can take weeks. Do not forget the IBAN: a mistake there is harder to undo than a wrong BIC.

An automatic check in your banking app only confirms that the IBAN exists. More and more banks check the name against the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be worth it for a large first payment despite the extra fee.

Scams that use SWIFT codes

A common scam goes like this: an email arrives with a message saying that a supplier has new bank details and asking you to pay there from now on. That TGBATRIS is a real code does not mean that a request mentioning it is legitimate.

Check new bank details through a different channel, not by replying to the message. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call your bank straight away and ask them to start a recall; also report it to the police.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

About this information

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. It can happen that a code on this page is out of date. Figures such as the number of codes are from our own dataset and may differ from what Turkiye Garanti Bankasi A.s. publishes.

Treat the information on this page as a helpful check, and let the details from the recipient or Turkiye Garanti Bankasi A.s. have the final say. GoldexPay is not affiliated with Turkiye Garanti Bankasi A.s.. Found outdated information? Let us know via our contact form so we can correct it.

Turkish Lira (TRY) and conversion costs

The currency of Türkiye is the Turkish Lira (TRY). When you pay another currency it gets converted at some point – by your bank, by Turkiye Garanti Bankasi A.s. or by a bank in between. You rarely see a separate line for the conversion.

Who converts the payment matters. Transferring the money directly in TRY often prevents a second conversion.

Exchange rates move during the day. For regular payments, small differences in the rate add up over time.

What the XXX in TGBATRISXXX means

The layout of a BIC never changes: a bank code of four letters, two for the country and two for the location, plus an optional branch code. Combined, those parts make up TGBATRIS, the code most people search for.

XXX at the end of TGBATRISXXX is not a placeholder or a mistake: it indicates the head office of Turkiye Garanti Bankasi A.s.. Some banking apps ask for 11 characters, in which case you simply add XXX behind TGBATRIS.

Enter the code as one block, in upper case and without spaces. Look out for O versus 0 and the letter I and the digit 1; they are easy to mix up.

Incoming international payments to Turkiye Garanti Bankasi A.s.

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. Give them the account holder’s name, your account number or IBAN, the BIC TGBATRISXXX and your address.

It helps to include Turkiye Garanti Bankasi A.s. and Istanbul as well. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad will not always land in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. On invoices, it is common to state who bears the costs.

Sending money abroad from Turkiye Garanti Bankasi A.s.

What you pay for an international transfer has several parts. Besides the transfer fee, banks in between may deduct a fee, and if currencies are converted the bank usually uses a rate below the actual market rate.

Banks do not list their exchange rate markup separately – you only notice it if you compare. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers frequently offer a rate near the mid-market rate and lower fees. GoldexPay compares transfer providers next to each other so you can see what actually arrives for the same amount sent. You can still keep your account at Turkiye Garanti Bankasi A.s., while a cheaper service handles the conversion.

Tracking a transfer to or from Turkiye Garanti Bankasi A.s.

There is no fixed delivery time for every transfer: some arrive within a day. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Occasionally a bank wants to know what the payment is for before releasing it.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation.

A missing payment is traced from the sending side. Ask the sender for a copy of the payment confirmation with the date and reference.

Turkiye Garanti Bankasi A.s.: head office code versus branch codes

Having 11 codes in 3 cities, Turkiye Garanti Bankasi A.s. belongs to the banks that use individual codes for branches. The main code is TGBATRISXXX.

Usually you do not need to look up a branch: payments sent to TGBATRISXXX reach Turkiye Garanti Bankasi A.s. without problems. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are more likely to change than TGBATRISXXX when a bank merges or closes offices.