{"id":15495,"date":"2009-10-03T11:49:43","date_gmt":"2009-10-03T08:49:43","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=15495"},"modified":"2009-10-03T11:49:43","modified_gmt":"2009-10-03T08:49:43","slug":"ortak-atmde-soyulmayin","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=15495","title":{"rendered":"Ortak ATM’de soyulmay\u0131n"},"content":{"rendered":"

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Bakiye sorgulama bile paral\u0131 oldu..! <\/em><\/strong><\/p>\n

Ortak ATM uygulamas\u0131na ge\u00e7ilmesiyle birlikte, bankac\u0131l\u0131k sekt\u00f6r\u00fc ‘paradan para kazanma’ yolunda yeni bir kazan\u00e7 kap\u0131s\u0131 daha a\u00e7t\u0131. Bu uygulama ile her banka para \u00e7ekmeden en az 3 lira ek \u00fccret al\u0131rken, bakiye sorgulama bile paral\u0131 oldu.<\/p>\n

T\u00fcrkiye’de \u201cParadan para kazanma\u201d deyimini en iyi bankac\u0131l\u0131k sekt\u00f6r\u00fc ba\u015far\u0131yor. 1 Ekim 2009 tarihinden itibaren t\u00fcm yurt sath\u0131nda bankalar aras\u0131nda ortak ATM uygulamas\u0131na ge\u00e7ilmesiyle birlikte, sekt\u00f6r \u201cparadan para kazanma\u201dda yeni bir kazan\u00e7 kap\u0131s\u0131 kendine yaratt\u0131. <\/p>\n

1 EK\u0130M’DE BA\u015eLADI <\/em><\/strong><\/p>\n

ATM hizmeti veren t\u00fcm bankalar\u0131 kapsayan ‘Ortak ATM Sistemi’ 1 Ekim’de ba\u015flad\u0131. Sistemin \u015fu andaki eksi\u011fi ise bankalar\u0131n bu i\u015flem kar\u015f\u0131l\u0131\u011f\u0131nda alaca\u011f\u0131 \u00fccretlerin birbirinden farkl\u0131 olmas\u0131nda yat\u0131yor. T\u00fcketici hangi bankaya ait olursa olsun en yak\u0131n ATM’den para \u00e7ekebilecek. Daha \u00f6nce ‘Alt\u0131n Nokta’ ve ‘Ortak Nokta’ gibi k\u0131smi uygulamalar vard\u0131.<\/p>\n

KAFALAR \u00c7OK KARI\u015eIK <\/em><\/strong><\/p>\n

Ortak ATM uygulamas\u0131 getirdi\u011fi avantajlar\u0131n yan\u0131s\u0131ra, ba\u015fka banka ATM’sinden yap\u0131lan i\u015flemler \u00fczerinden \u00fccret al\u0131n\u0131p al\u0131nmayaca\u011f\u0131 kafalar\u0131 kar\u0131\u015ft\u0131r\u0131yor. \u00c7\u00fcnk\u00fc yabanc\u0131 bankadan para \u00e7ekmenin bir bedeli olacak. Banka kart sahibi m\u00fc\u015fterisinden ne kadar komisyon al\u0131naca\u011f\u0131na h\u00fckmederse, yabanc\u0131 bankan\u0131n ATM’sini kullanman\u0131n bedeli o kadar olacak. Banka istemezse bu hizmet kar\u015f\u0131l\u0131\u011f\u0131nda \u00fccret talebinde bulunmayabilecek.<\/p>\n

ORTAK ATM NELER GET\u0130RECEK? <\/em><\/strong><\/p>\n

Bunlar\u0131n yan\u0131 s\u0131ra bu uygulama ile birlikte \u015f\u00f6yle de\u011fi\u015fiklikler de olacak: \u201cBanka kart\u0131na uygun ATM arama derdi ortadan kalkacak. \u0130htiya\u00e7 s\u0131ras\u0131nda ba\u015fka bankaya ait herhangi bir ATM’den para \u00e7ekilebilecek. Seyahatlerde ATM bulamama ihtimali ortadan kalkacak, nakit ta\u015f\u0131ma riskinin al\u0131nmas\u0131na gerek kalmayacak. En yak\u0131n ATM’ye cep telefonlar\u0131 ya da internet \u00fczerinden ula\u015f\u0131labilecek. Verimlilikteki fark ekonomiye yakla\u015f\u0131k 300 milyon dolar katk\u0131 sa\u011flayacak. Piyasada sirk\u00fclasyondaki para hacmi artacak, nakit dola\u015f\u0131m\u0131 h\u0131zlanacak.\u201d<\/p>\n

En fazla kamu vuracak <\/em><\/strong><\/p>\n

\u00d6zel bankalar net \u00fccret belirlerken kamu kesimi ise sabit \u00fccretin yan\u0131 s\u0131ra \u00e7ekilen tutardan y\u00fczde ek \u00fccret alacak. Buna g\u00f6re, ortak ATM uygulamas\u0131na ge\u00e7ilmeden \u00f6nce bir ba\u015fka bankada hesab\u0131 olan mudiden kendi ATM’sinden nakit \u00e7ekim ya da bakiye sorma i\u015fleminde hi\u00e7bir \u00fccret almayan Ziraat Bankas\u0131, \u015fimdi nakit \u00e7ekim tutar\u0131n\u0131n y\u00fczde 1’i oran\u0131nda komisyon alacak. \u0130lave olarak da her \u00e7ekimde 0,75 lira i\u015flem \u00fccreti ekleyecek. E\u011fer, bakiye de sorulursa i\u015flem s\u0131ras\u0131nda 0,20 lira da bakiye sorma \u00fccreti alacak. Vak\u0131fbank ise nakit \u00e7ekimlerde hi\u00e7bir oran koymadan i\u015flem ba\u015f\u0131na 4,5 lira i\u015flem \u00fccreti alacak. Vak\u0131fbank, \u201cBakiye G\u00f6r\u00fcnt\u00fcleme\u201d i\u015flemi i\u00e7in i\u015flem ba\u015f\u0131na 1 TL, komisyon bedeli yans\u0131tacak. Buna g\u00f6re, Vak\u0131fbank ATM’sinden 10 lira \u00e7ekti\u011finiz zaman da 100 \u00e7ekti\u011finiz zaman da 4,5 lira nakit \u00e7ekim \u00fccreti \u00f6denecek. Halk Bank ise \u201cBakiye G\u00f6r\u00fcnt\u00fcleme\u201d i\u015flemi i\u00e7in 25 Kr alacak. Banka, \u201cPara \u00c7ekme\u201d i\u015fleminde \u00e7ekilen tutar\u0131n y\u00fczde 1,25’i uygulayacak ayr\u0131ca da 1,25 lira her i\u015flemde sabit servis \u00fccreti tahsil edecek.<\/p>\n

Sorumlulu\u011fu hi\u00e7 kimse \u00fcstlenmedi <\/em><\/strong><\/p>\n

BDDK, bankalar\u0131n bu i\u015flemlere ili\u015fkin ne kadar al\u0131naca\u011f\u0131na dair bilginin kendilerinde olmad\u0131\u011f\u0131n\u0131 belirterek, bunu BKM’nin belirledi\u011fini s\u00f6yledi. Sistemin altyap\u0131s\u0131 i\u00e7in 2 y\u0131l \u00e7al\u0131\u015fan Bankalararas\u0131 Kart Merkezi (BKM) Genel M\u00fcd\u00fcr\u00fc Serta\u00e7 \u00d6zinal, ba\u015fka bankan\u0131n ATM’sinde i\u015flem yap\u0131ld\u0131\u011f\u0131nda \u00fccret \u00f6denece\u011fini a\u00e7\u0131klam\u0131\u015ft\u0131. BKM yetkilileri de konuya ili\u015fkin, ortak ATM kullan\u0131m\u0131n\u0131n t\u00fcketiciye maliyetinin kart\u0131 veren banka ile m\u00fc\u015fteri aras\u0131nda belirlenece\u011fini ifade etti. \u00d6zinal, \u201cBanka, \u00fccretlendirme politikas\u0131 kart sahiplerinden belirli \u00fccret talep edecektir veya etmeyecektir\u201d dedi.<\/p>\n

Kaynak : Vatan<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\n

Bakiye sorgulama bile paral\u0131 oldu..! <\/p>\n

Ortak ATM uygulamas\u0131na ge\u00e7ilmesiyle birlikte, bankac\u0131l\u0131k sekt\u00f6r\u00fc ‘paradan para kazanma’ yolunda yeni bir kazan\u00e7 kap\u0131s\u0131 daha a\u00e7t\u0131. Bu uygulama ile her banka para \u00e7ekmeden en az 3 lira ek \u00fccret al\u0131rken, bakiye sorgulama bile paral\u0131 oldu.<\/p>\n

T\u00fcrkiye’de \u201cParadan para kazanma\u201d <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-15495","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/15495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15495"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/15495\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15495"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}