The most frequently asked questions with detailed answers. If you can't find the answer, contact us.
Kok Finans is a BDDK-licensed Turkish fintech company founded in 2012. We provide personal finance, business loans, investment advisory, financial insurance and digital banking services. With over 48,000 clients, we are among Turkey's most trusted fintech institutions.
Yes. Kok Finans is a financial institution licensed and supervised by BDDK. We also hold ISO 27001 information security certification and PCI-DSS Level 1 compliance. All customer deposits are covered by TMSF guarantee.
You can open an account in under 10 minutes via our website or digital platform. Start with your national ID number and mobile phone number; the process is completed with an identity verification video call. No need to visit our offices.
For personal loan applications, our digital scoring system gives most applications pre-approval within 10 minutes. Final approval and disbursement takes 1-2 business days. For business loans, 3-5 business days depending on amount and documents.
Rates are determined by CBRT policy rate, market conditions, customer risk profile and credit history. We offer personalised rates for each customer. Visit our website or call our advisor for current rates.
Yes. Kok Finans uses alternative data analyses alongside the traditional credit score system. Regular income, bank transactions and alternative financial indicators are evaluated to find solutions for applicants with weak or limited credit history.
A minimum starting investment of 25,000 TRY is recommended. You can also participate in funds with lower amounts via our digital platform. Different service levels are available depending on portfolio size.
Your deposit accounts are covered by TMSF guarantee. Capital market investments naturally carry market risk; however, this risk is minimised through diversification and expert advisory when managing your portfolio. Our CMB-licensed portfolio managers act within the framework of legal obligations.
Kok Finans uses 256-bit AES encryption, multi-factor authentication (MFA), real-time fraud detection and 24/7 security monitoring. Our ISO 27001 certified and PCI-DSS Level 1 compliant infrastructure meets bank-grade security standards.
All your personal data is processed, stored and protected within the framework of the Personal Data Protection Law (KVKK). Your data is not shared with third parties without your explicit consent. You can apply to kvkk@kokfinans.com.tr to exercise your rights under KVKK.
Kok Finans's digital platform works on all modern browsers (Chrome, Firefox, Safari, Edge). You can also perform all transactions via mobile web browsers.
Kok Finans customers can perform up to 20 FAST/instant transfers free per month. EFT transactions follow a fee schedule based on amount and account type. Current rates are published on our website.