{"id":215,"date":"2026-05-20T11:18:11","date_gmt":"2026-05-20T08:18:11","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=215"},"modified":"2026-07-23T15:11:28","modified_gmt":"2026-07-23T12:11:28","slug":"ingnin-arastirmasina-gore-masrafsiz-bankacilik-temel-beklenti-haline-geldi","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/05\/20\/ingnin-arastirmasina-gore-masrafsiz-bankacilik-temel-beklenti-haline-geldi\/","title":{"rendered":"ING\u2019nin Ara\u015ft\u0131rmas\u0131na G\u00f6re Masrafs\u0131z Bankac\u0131l\u0131k Temel Beklenti Haline Geldi"},"content":{"rendered":"

Her 3 ki\u015fiden 2’si masrafs\u0131zl\u0131k nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirmeye istekli<\/strong><\/h2>\n

ING T\u00fcrkiye<\/strong>, masrafs\u0131z bankac\u0131l\u0131kta \u00f6nc\u00fc bir ad\u0131m atarak ING Mobil<\/strong> \u00fczerinden yurt i\u00e7i para transferi \u00fccretlerinde masraflar\u0131 ve kredi kart\u0131 aidat\u0131n\u0131 kald\u0131rd\u0131. Bu ad\u0131m\u0131n m\u00fc\u015fterilerin refah\u0131na do\u011frudan katk\u0131 sa\u011flad\u0131\u011f\u0131na inanan ING, g\u00fcnl\u00fck hayat\u0131n ak\u0131\u015f\u0131 i\u00e7inde yap\u0131lan k\u00fc\u00e7\u00fck harcamalar\u0131n t\u00fcketicilerin alg\u0131s\u0131 ve b\u00fct\u00e7esi \u00fczerindeki etkisini inceleyen bir ara\u015ft\u0131rma ger\u00e7ekle\u015ftirdi. Ara\u015ft\u0131rma, g\u00fcnl\u00fck harcamalarda ve bankac\u0131l\u0131k i\u015flemlerinde olu\u015fan k\u00fc\u00e7\u00fck tutarlar\u0131n g\u00f6r\u00fcnmeyen masraflar haline geldi\u011fini ortaya koyuyor. Kat\u0131l\u0131mc\u0131lar\u0131n yar\u0131s\u0131 yapt\u0131\u011f\u0131 g\u00fcnl\u00fck k\u00fc\u00e7\u00fck harcamalar\u0131n\u0131n ger\u00e7ek tutar\u0131n\u0131 ancak ay sonunda fark ederken, bu harcamalar\u0131n \u00e7o\u011fundan tasarruf edilebilece\u011fini d\u00fc\u015f\u00fcn\u00fcyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 63’\u00fc son bir ayda banka\/i\u015flem \u00fccreti \u00f6dedi\u011fini belirtirken, yakla\u015f\u0131k yar\u0131s\u0131 para transferi s\u0131ras\u0131nda beklemedi\u011fi bir \u00fccretle kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Bu masraflar davran\u0131\u015f\u0131 da do\u011frudan etkiliyor. Kat\u0131l\u0131mc\u0131lar\u0131n neredeyse yar\u0131s\u0131 masraflar nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirdi\u011fini belirtiyor. Y\u00fczde 64 ile \u00e7o\u011funlu\u011fu ise masraflar nedeniyle banka de\u011fi\u015ftirmeye istekli. Bu sonu\u00e7lar, bankac\u0131l\u0131kta masrafs\u0131zl\u0131\u011f\u0131n art\u0131k bir tercih de\u011fil, temel bir beklenti haline geldi\u011fini ortaya koyuyor.<\/p>\n

K\u00fc\u00e7\u00fck harcamalar g\u00fcnl\u00fck hayat\u0131n g\u00f6r\u00fcnmeyen y\u00fck\u00fc<\/strong><\/h3>\n

Ara\u015ft\u0131rmaya g\u00f6re, kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 93’\u00fc son bir ayda plans\u0131z market al\u0131\u015fveri\u015fi yapt\u0131\u011f\u0131n\u0131 belirtirken, y\u00fczde 76’s\u0131 kahve\/i\u00e7ecek sat\u0131n ald\u0131\u011f\u0131n\u0131, y\u00fczde 71’i ise d\u0131\u015far\u0131dan yemek sipari\u015fi verdi\u011fini ifade ediyor. Bu kalemler aras\u0131nda banka veya i\u015flem \u00fccretleri ise y\u00fczde 63 ile d\u00f6rd\u00fcnc\u00fc s\u0131rada yer al\u0131yor. Bu harcamalar tek ba\u015f\u0131na k\u00fc\u00e7\u00fck g\u00f6r\u00fcnse de birikerek b\u00fct\u00e7e \u00fczerinde bir y\u00fck yarat\u0131yor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 51’i plans\u0131z market al\u0131\u015fveri\u015flerinin, y\u00fczde 45’i ise d\u0131\u015far\u0131dan yemek harcamalar\u0131n\u0131n ay sonunda y\u00fcksek bir tutara ula\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Y\u00fczde 36 ise otomatik \u00f6demeye koyup unuttu\u011fu abonelikler oldu\u011funu belirtiyor. Tasarruf refleksi olarak ise y\u00fczde 41 ile en \u00e7ok d\u0131\u015far\u0131dan yemek sipari\u015fleri azalt\u0131l\u0131yor. Ara\u015ft\u0131rma, fark\u0131ndal\u0131k taraf\u0131nda \u00f6nemli bir i\u00e7g\u00f6r\u00fc sunuyor; t\u00fcketicilerin yar\u0131s\u0131 yapt\u0131\u011f\u0131 g\u00fcnl\u00fck k\u00fc\u00e7\u00fck harcamalar\u0131n\u0131n ger\u00e7ek tutar\u0131n\u0131 ancak ay sonunda fark ediyor, ayn\u0131 t\u00fcr harcamay\u0131 ne kadar s\u0131k yapt\u0131\u011f\u0131n\u0131 sonradan anl\u0131yor ya da d\u00fczenli bir harcaman\u0131n artt\u0131\u011f\u0131n\u0131 ge\u00e7 fark ediyor. Bu tabloya g\u00f6re k\u00fc\u00e7\u00fck harcamalar g\u00f6r\u00fcnmeyen masraflar haline geliyor. Ara\u015ft\u0131rmaya g\u00f6re k\u00fc\u00e7\u00fck harcamalarla tasarruf etmek m\u00fcmk\u00fcn. Kat\u0131l\u0131mc\u0131lar\u0131n yar\u0131s\u0131 k\u00fc\u00e7\u00fck harcamalar\u0131n \u00e7o\u011fundan tasarruf edilebilece\u011fini d\u00fc\u015f\u00fcn\u00fcrken, y\u00fczde 95’i bu tasarrufun toplam b\u00fct\u00e7eye katk\u0131 sa\u011flayaca\u011f\u0131n\u0131 ifade ediyor.<\/p>\n

Masrafs\u0131zl\u0131k bankac\u0131l\u0131kta temel beklenti haline geldi<\/strong><\/h3>\n

Ara\u015ft\u0131rma, bankac\u0131l\u0131k i\u015flemlerinde olu\u015fan k\u00fc\u00e7\u00fck \u00fccretlerin de t\u00fcketiciler \u00fczerinde \u00f6nemli bir etkisi oldu\u011funu g\u00f6steriyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 63’\u00fc son bir ayda banka\/i\u015flem \u00fccreti \u00f6dedi\u011fini belirtirken, yakla\u015f\u0131k yar\u0131s\u0131 para transferi s\u0131ras\u0131nda beklemedi\u011fi bir \u00fccretle kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Ayr\u0131ca y\u00fczde 62’si kredi kart\u0131n\u0131n y\u0131ll\u0131k \u00fccretini takip ediyor, y\u00fczde 73’\u00fc ise ba\u015fka bankaya para transferi yapt\u0131\u011f\u0131nda veya ba\u015fka bir bankan\u0131n ATM’sini kulland\u0131\u011f\u0131nda \u00f6dedi\u011fi masrafa dikkat ediyor. Bu masraflar davran\u0131\u015f\u0131 da do\u011frudan etkiliyor. Kat\u0131l\u0131mc\u0131lar\u0131n neredeyse yar\u0131s\u0131 bu masraflar nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirdi\u011fini belirtiyor. Ayr\u0131ca y\u00fczde 64 ile \u00e7o\u011funlu\u011fu da masraflar nedeniyle banka de\u011fi\u015ftirmeye istekli. Bu sonu\u00e7lar, bankac\u0131l\u0131kta masrafs\u0131zl\u0131\u011f\u0131n art\u0131k bir tercih de\u011fil, temel bir beklenti haline geldi\u011fini ortaya koyuyor.<\/p>\n

ING’den masrafs\u0131z bankac\u0131l\u0131kta \u00f6nc\u00fc ad\u0131m<\/strong><\/h3>\n

ING T\u00fcrkiye<\/strong>, m\u00fc\u015fterilerinin finansal sa\u011fl\u0131\u011f\u0131n\u0131 desteklemek ve bu g\u00f6r\u00fcnmeyen masraflar\u0131 ortadan kald\u0131rmak amac\u0131yla kredi kart\u0131 aidat\u0131 ve ING Mobil<\/strong> \u00fczerinden yurt i\u00e7i para transferi \u00fccretlerinde masraflar\u0131 kald\u0131rd\u0131. ING m\u00fc\u015fterileri, EFT\/havale\/FAST i\u015flemlerini ING Mobil \u00fczerinden \u00fccretsiz yapabilirken; ayn\u0131 zamanda ING Dijital Kredi Kart\u0131<\/strong> ve ING Light Kredi Kart\u0131<\/strong>‘n\u0131 aidat \u00f6demeden, ING Bonus Kredi Kart\u0131<\/strong>‘n\u0131 ise her ay 5.000 TL harcamayla \u00fccretsiz olarak kullanabiliyor.<\/p>\n

Ara\u015ft\u0131rma K\u00fcnyesi: Ara\u015ft\u0131rma, 24\u201326 Mart 2026 tarihlerinde Estima Ara\u015ft\u0131rma Dan\u0131\u015fmanl\u0131k ve Ticaret A.\u015e. taraf\u0131ndan ING ad\u0131na, online anket y\u00f6ntemiyle ger\u00e7ekle\u015ftirilmi\u015ftir. 18 ya\u015f ve \u00fczeri, ABC1C2 sosyoekonomik grupta yer alan 300 dijital bankac\u0131l\u0131k m\u00fc\u015fterisiyle g\u00f6r\u00fc\u015f\u00fclm\u00fc\u015ft\u00fcr.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Her 3 ki\u015fiden 2’si masrafs\u0131zl\u0131k nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirmeye istekli<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":199,"_ecomap_primary_org_name":"ING","_ecomap_mentioned_org_ids":"[]","_ecomap_related_org_ids":"","_ecomap_match_confidence":0.95,"_ecomap_email_message_id":"19e446d907e7afb1","_ecomap_email_from":"pressrelease@faselis.com","_ecomap_editor_notes":"E-posta HTML'si temizlendi, footer ve abonelik ba\u011flant\u0131lar\u0131 kald\u0131r\u0131ld\u0131. Ba\u015fl\u0131k ve alt ba\u015fl\u0131k d\u00fczenlendi. \u0130\u00e7eri\u011fe h2\/h3 yap\u0131s\u0131 eklendi. Fazla tekrarlar ve pazarlama dili t\u00f6rp\u00fclendi. Hafif d\u00fczeltmeler yap\u0131ld\u0131.","_ecomap_original_body":"

Merhaba Fintechistanbul.org - Web Sitesi Yaz\u0131i\u015fleri,
Ara\u015ft\u0131rmaya g\u00f6re, kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 93\u2019\u00fc son bir ayda plans\u0131z market al\u0131\u015fveri\u015fi yapt\u0131\u011f\u0131n\u0131 belirtirken, y\u00fczde 76\u2019s\u0131 kahve\/i\u00e7ecek sat\u0131n ald\u0131\u011f\u0131n\u0131, y\u00fczde 71\u2019i ise d\u0131\u015far\u0131dan yemek sipari\u015fi verdi\u011fini ifade ediyor.
\u0130yi \u00e7al\u0131\u015fmalar,
Burcu Konyal\u0131
Effect Burson

<\/p>ING\u2019nin ara\u015ft\u0131rmas\u0131na g\u00f6re masrafs\u0131z bankac\u0131l\u0131k temel beklenti haline geldi<\/title> <center><table align=\"center\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" height=\"100%\" id=\"bodycontent\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; color: #1c2b28; font-size: 12px; margin: 0; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 0; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" id=\"bodyinside\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; border-collapse: collapse; color: #1c2b28; font-size: 12px; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 20px;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" id=\"template\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #ffffff; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 0px; width: 600px;\" width=\"600\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" id=\"preheader\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; background-color: #f6f7f8; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" class=\"preheadercontent\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; color: #808080; font-family: Helvetica,Arial,sans-serif; font-size: 11px; line-height: 125%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 10px; padding-left: 20px; padding-right: 20px; padding-top: 10px; text-align: center;\"><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top:20px\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" class=\"mailbody\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; font-family: Helvetica,Arial,sans-serif; font-size: 14px; line-height: 1.5; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 20px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><u><span style='font-family:\"ING Me\";'>ING\u2019nin ara\u015ft\u0131rmas\u0131na g\u00f6re masrafs\u0131z bankac\u0131l\u0131k temel beklenti haline geldi<\/span><\/u><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:19px;line-height:105%;font-family:\"ING Me\";'>Her 3 ki\u015fiden 2\u2019si masrafs\u0131zl\u0131k nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirmeye istekli<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>ING T\u00fcrkiye, masrafs\u0131z bankac\u0131l\u0131kta \u00f6nc\u00fc bir ad\u0131m atarak ING Mobil \u00fczerinden yurt i\u00e7i para transferi \u00fccretlerinde masraflar\u0131 ve kredi kart\u0131 aidat\u0131n\u0131 kald\u0131rd\u0131. Bu ad\u0131m\u0131n m\u00fc\u015fterilerin refah\u0131na do\u011frudan katk\u0131 sa\u011flad\u0131\u011f\u0131na inanan ING, g\u00fcnl\u00fck hayat\u0131n ak\u0131\u015f\u0131 i\u00e7inde yap\u0131lan k\u00fc\u00e7\u00fck harcamalar\u0131n t\u00fcketicilerin alg\u0131s\u0131 ve b\u00fct\u00e7esi \u00fczerindeki etkisini inceleyen bir ara\u015ft\u0131rma ger\u00e7ekle\u015ftirdi. Ara\u015ft\u0131rma, g\u00fcnl\u00fck harcamalarda ve bankac\u0131l\u0131k i\u015flemlerinde olu\u015fan k\u00fc\u00e7\u00fck tutarlar\u0131n g\u00f6r\u00fcnmeyen masraflar haline geldi\u011fini ortaya koyuyor. Kat\u0131l\u0131mc\u0131lar\u0131n yar\u0131s\u0131 yapt\u0131\u011f\u0131 g\u00fcnl\u00fck k\u00fc\u00e7\u00fck harcamalar\u0131n\u0131n ger\u00e7ek tutar\u0131n\u0131 ancak ay sonunda fark ederken, bu harcamalar\u0131n \u00e7o\u011fundan tasarruf edilebilece\u011fini d\u00fc\u015f\u00fcn\u00fcyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 63\u2019\u00fc son bir ayda banka\/i\u015flem \u00fccreti \u00f6dedi\u011fini belirtirken, yakla\u015f\u0131k yar\u0131s\u0131 para transferi s\u0131ras\u0131nda beklemedi\u011fi bir \u00fccretle kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Bu masraflar davran\u0131\u015f\u0131 da do\u011frudan etkiliyor. Kat\u0131l\u0131mc\u0131lar\u0131n neredeyse yar\u0131s\u0131 masraflar nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirdi\u011fini belirtiyor. Y\u00fczde 64 ile \u00e7o\u011funlu\u011fu ise masraflar nedeniyle banka de\u011fi\u015ftirmeye istekli.<\/span><\/strong><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>\u00a0<strong fr-original-style=\"\" style=\"font-weight: 700;\">Bu sonu\u00e7lar, bankac\u0131l\u0131kta masrafs\u0131zl\u0131\u011f\u0131n art\u0131k bir tercih de\u011fil, temel bir beklenti haline geldi\u011fini ortaya koyuyor.\u00a0<\/strong><\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>En sevilen dijital banka olma hedefiyle ilerleyen ING T\u00fcrkiye, masrafs\u0131z bankac\u0131l\u0131kta \u00f6nc\u00fc bir ad\u0131m atarak ING Mobil \u00fczerinden yurt i\u00e7i para transferi \u00fccretlerinde masraflar\u0131 ve kredi kart\u0131 aidat\u0131n\u0131 kald\u0131rd\u0131. Bu ad\u0131m\u0131n m\u00fc\u015fterilerin refah\u0131na do\u011frudan katk\u0131 sa\u011flad\u0131\u011f\u0131na inanan ING, g\u00fcnl\u00fck hayat\u0131n ak\u0131\u015f\u0131 i\u00e7inde yap\u0131lan k\u00fc\u00e7\u00fck harcamalar\u0131n t\u00fcketicilerin alg\u0131s\u0131 ve b\u00fct\u00e7esi \u00fczerindeki etkisini inceleyen bir ara\u015ft\u0131rma ger\u00e7ekle\u015ftirdi. \u00a0Ara\u015ft\u0131rma, g\u00fcnl\u00fck harcamalarda ve bankac\u0131l\u0131k i\u015flemlerinde olu\u015fan k\u00fc\u00e7\u00fck tutarlar\u0131n g\u00f6r\u00fcnmeyen masraflar haline geldi\u011fini ortaya koyuyor.\u00a0<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>K\u00fc\u00e7\u00fck harcamalar g\u00fcnl\u00fck hayat\u0131n g\u00f6r\u00fcnmeyen y\u00fck\u00fc<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>Ara\u015ft\u0131rmaya g\u00f6re, kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 93\u2019\u00fc son bir ayda plans\u0131z market al\u0131\u015fveri\u015fi yapt\u0131\u011f\u0131n\u0131 belirtirken, y\u00fczde 76\u2019s\u0131 kahve\/i\u00e7ecek sat\u0131n ald\u0131\u011f\u0131n\u0131, y\u00fczde 71\u2019i ise d\u0131\u015far\u0131dan yemek sipari\u015fi verdi\u011fini ifade ediyor. Bu kalemler aras\u0131nda banka veya i\u015flem \u00fccretleri ise y\u00fczde 63 ile d\u00f6rd\u00fcnc\u00fc s\u0131rada yer al\u0131yor. Bu harcamalar tek ba\u015f\u0131na k\u00fc\u00e7\u00fck g\u00f6r\u00fcnse de birikerek b\u00fct\u00e7e \u00fczerinde bir y\u00fck yarat\u0131yor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 51\u2019i plans\u0131z market al\u0131\u015fveri\u015flerinin y\u00fczde 45\u2019i ise d\u0131\u015far\u0131dan yemek harcamalar\u0131n\u0131n ay sonunda y\u00fcksek bir tutara ula\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Y\u00fczde 36 ise otomatik \u00f6demeye koyup unuttu\u011fu abonelikler oldu\u011funu belirtiyor. Tasarruf refleksi olarak ise y\u00fczde 41 ile en \u00e7ok d\u0131\u015far\u0131dan yemek sipari\u015fleri azalt\u0131l\u0131yor. Ara\u015ft\u0131rma, fark\u0131ndal\u0131k taraf\u0131nda \u00f6nemli bir i\u00e7g\u00f6r\u00fc sunuyor; t\u00fcketicilerin yar\u0131s\u0131 yapt\u0131\u011f\u0131 g\u00fcnl\u00fck k\u00fc\u00e7\u00fck harcamalar\u0131n\u0131n ger\u00e7ek tutar\u0131n\u0131 ancak ay sonunda fark ediyor, ayn\u0131 t\u00fcr harcamay\u0131 ne kadar s\u0131k yapt\u0131\u011f\u0131n\u0131 sonradan anl\u0131yor ya da d\u00fczenli bir harcaman\u0131n artt\u0131\u011f\u0131n\u0131 ge\u00e7 fark ediyor. Bu tabloya g\u00f6re k\u00fc\u00e7\u00fck harcamalar g\u00f6r\u00fcnmeyen masraflar haline geliyor. Ara\u015ft\u0131rmaya g\u00f6re k\u00fc\u00e7\u00fck harcamalarla tasarruf etmek m\u00fcmk\u00fcn. Kat\u0131l\u0131mc\u0131lar\u0131n yar\u0131s\u0131 k\u00fc\u00e7\u00fck harcamalar\u0131n \u00e7o\u011fundan tasarruf edilebilece\u011fini d\u00fc\u015f\u00fcn\u00fcrken, y\u00fczde 95\u2019i bu tasarrufun toplam b\u00fct\u00e7eye katk\u0131 sa\u011flayaca\u011f\u0131n\u0131 ifade ediyor.<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>Masrafs\u0131zl\u0131k bankac\u0131l\u0131k temel beklenti haline geldi<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>Ara\u015ft\u0131rma, bankac\u0131l\u0131k i\u015flemlerinde olu\u015fan k\u00fc\u00e7\u00fck \u00fccretlerin de t\u00fcketiciler \u00fczerinde \u00f6nemli bir etkisi oldu\u011funu g\u00f6steriyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 63\u2019\u00fc son bir ayda banka\/i\u015flem \u00fccreti \u00f6dedi\u011fini belirtirken, yakla\u015f\u0131k yar\u0131s\u0131 para transferi s\u0131ras\u0131nda beklemedi\u011fi bir \u00fccretle kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Ayr\u0131ca y\u00fczde 62\u2019si kredi kart\u0131n\u0131n y\u0131ll\u0131k \u00fccretini takip ediyor, y\u00fczde 73\u2019\u00fc ise ba\u015fka bankaya para transferi yapt\u0131\u011f\u0131nda veya ba\u015fka bir bankan\u0131n ATM\u2019sini kulland\u0131\u011f\u0131nda \u00f6dedi\u011fi masrafa dikkat ediyor. Bu masraflar davran\u0131\u015f\u0131 da do\u011frudan etkiliyor. Kat\u0131l\u0131mc\u0131lar\u0131n neredeyse yar\u0131s\u0131 bu masraflar nedeniyle bankas\u0131n\u0131 de\u011fi\u015ftirdi\u011fini belirtiyor. Ayr\u0131ca y\u00fczde 64 ile \u00e7o\u011funlu\u011fu da masraflar nedeniyle banka de\u011fi\u015ftirmeye istekli. \u00a0Bu sonu\u00e7lar, bankac\u0131l\u0131kta masrafs\u0131zl\u0131\u011f\u0131n art\u0131k bir tercih de\u011fil, temel bir beklenti haline geldi\u011fini ortaya koyuyor.<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>ING\u2019den masrafs\u0131z bankac\u0131l\u0131kta \u00f6nc\u00fc ad\u0131m<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:105%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;vertical-align:baseline;'><span style='font-size:12px;line-height:105%;font-family:\"ING Me\";'>ING T\u00fcrkiye, m\u00fc\u015fterilerinin finansal sa\u011fl\u0131\u011f\u0131n\u0131 desteklemek ve bu g\u00f6r\u00fcnmeyen masraflar\u0131 ortadan kald\u0131rmak amac\u0131yla kredi kart\u0131 aidat\u0131 ve ING Mobil \u00fczerinden yurt i\u00e7i para transferi \u00fccretlerinde masraflar\u0131 kald\u0131rd\u0131. ING m\u00fc\u015fterileri, EFT\/havale\/FAST i\u015flemlerini ING Mobil \u00fczerinden \u00fccretsiz yapabilirken; ayn\u0131 zamanda ING Dijital Kredi Kart\u0131 ve ING Light Kredi Kart\u0131\u2019n\u0131 aidat \u00f6demeden, ING Bonus Kredi Kart\u0131\u2019n\u0131 ise her ay 5.000 TL harcamayla \u00fccretsiz olarak kullanabiliyor.\u00a0<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;background:white;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";color:black;'>\u00a0<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;background:white;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><em><span style='font-size:11px;line-height:107%;font-family:\"ING Me\";color:black;'>Ara\u015ft\u0131rma K\u00fcnyesi<\/span><\/em><\/strong><em><span style='font-size:11px;line-height:107%;font-family:\"ING Me\";color:black;'>: Ara\u015ft\u0131rma, 24\u201326 Mart 2026 tarihlerinde Estima Ara\u015ft\u0131rma Dan\u0131\u015fmanl\u0131k ve Ticaret A.\u015e. taraf\u0131ndan ING ad\u0131na, online anket y\u00f6ntemiyle ger\u00e7ekle\u015ftirilmi\u015ftir. 18 ya\u015f ve \u00fczeri, ABC1C2 sosyoekonomik grupta yer alan 300 dijital bankac\u0131l\u0131k m\u00fc\u015fterisiyle g\u00f6r\u00fc\u015f\u00fclm\u00fc\u015ft\u00fcr.<\/span><\/em><\/p><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"4\" width=\"100%\" id=\"photos\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" class=\"photo\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 20px; width: 200px; max-width: 200px; overflow: hidden;\" width=\"200\"><a href=\"https:\/\/get.faselis.com\/downloadfile.php?uid=11633074&uidchk=a30c8&ct=tr&pt=1254165&pts=993660&e=bulten@mercek.net&o=28894&ot=4&chk=d1c53\" target=\"_blank\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/faselis_tr\/brands\/28252\/s1779263624_ING_Logo.jpg.jpg\" style=\"-ms-interpolation-mode: bicubic; 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-webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-top: 20px; width: 200px;\" width=\"200\"><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" id=\"photodesc\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; color: #1c2b28; font-family: Helvetica,Arial,sans-serif; font-size: 12px; line-height: 150%; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><\/td><\/tr><\/table><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"center\" valign=\"top\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" id=\"videos\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; margin-top: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td align=\"left\" valign=\"top\" colspan=\"3\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;\"><h2 class=\"headers\" style=\"border-bottom: 2px solid #CCCCCC; color: black; font-family: Helvetica,Arial,sans-serif; font-size: 18px; font-weight: bold; height: 32px; line-height: 32px; padding-bottom: 0; padding-left: 0; padding-right: 0; padding-top: 20px;\">Ek Dosyalar<\/h2><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" class=\"attachmentimage\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 22px;\" width=\"22\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/mailing\/attachment.png\" alt=\"msword Icon\" style=\"-ms-interpolation-mode: bicubic; border: 0; height: auto; line-height: 100%; outline: none; text-decoration: none;\"><\/td><td valign=\"top\" class=\"attachmenttext\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; font-family: Helvetica,Arial,sans-serif; font-size: 12px; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-left: 10px; padding-right: 10px; text-align: left;\">ING_Masrafs\u0131zl\u0131k_20052026.docx<\/td><td valign=\"top\" class=\"videodownload\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; font-family: Helvetica,Arial,sans-serif; font-size: 12px; font-weight: bold; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; text-align: right; width: 100px;\" width=\"100\"><a href=\"https:\/\/get.faselis.com\/downloadfile.php?uid=11633075&uidchk=37578&ct=tr&pt=1254165&pts=993660&e=bulten@mercek.net&o=28894&ot=4&chk=d1c53\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; color: #1c2b28; text-decoration: underline;\">\u0130ndir<\/a><\/td><\/tr><tr style=\"border: 0px none; border-collapse: collapse; border-spacing: 0px;\"><td valign=\"top\" class=\"attachmentimage\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 22px;\" width=\"22\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/mailing\/attachment.png\" alt=\"pdf Icon\" style=\"-ms-interpolation-mode: bicubic; border: 0; height: auto; line-height: 100%; outline: none; text-decoration: none;\"><\/td><td valign=\"top\" class=\"attachmenttext\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; font-family: Helvetica,Arial,sans-serif; font-size: 12px; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-left: 10px; padding-right: 10px; text-align: left;\">MASRAF_ALGISI_INFOGRAFIK_A5-SIRALAMA.pdf<\/td><td valign=\"top\" class=\"videodownload\" height=\"22\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; font-family: Helvetica,Arial,sans-serif; font-size: 12px; font-weight: bold; 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