{"id":2729,"date":"2026-11-03T12:43:59","date_gmt":"2026-11-03T09:43:59","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=2729"},"modified":"2026-11-03T13:03:12","modified_gmt":"2026-11-03T10:03:12","slug":"ing-arastirdi-bankacilikta-yeni-normal-daha-az-masraf-daha-az-zahmet","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/11\/03\/ing-arastirdi-bankacilikta-yeni-normal-daha-az-masraf-daha-az-zahmet\/","title":{"rendered":"ING Ara\u015ft\u0131rd\u0131: Bankac\u0131l\u0131kta Yeni Normal Daha Az Masraf, Daha Az Zahmet"},"content":{"rendered":"

ING T\u00fcrkiye’nin “Eskiyen Normaller Ara\u015ft\u0131rmas\u0131”, dijitalle\u015fmeyle birlikte t\u00fcketicilerin bankac\u0131l\u0131k deneyimlerine ili\u015fkin beklentilerinin de\u011fi\u015fti\u011fini ortaya koydu. Ara\u015ft\u0131rmaya g\u00f6re kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 80’i kredi kart\u0131 y\u0131ll\u0131k aidat\u0131 \u00f6demeyi, y\u00fczde 73’\u00fc FAST\/Havale\/EFT i\u015flemlerinde \u00fccret \u00f6demeyi, y\u00fczde 65’i SWIFT i\u015flemlerinde masraf \u00f6demeyi normal bulmuyor.<\/strong><\/h2>\n

Dijitalle\u015fmeyle birlikte bankac\u0131l\u0131kta “normal” yeniden tan\u0131mlan\u0131yor. Masrafs\u0131z bankac\u0131l\u0131k alan\u0131nda ad\u0131mlar atan ING T\u00fcrkiye<\/strong>‘nin “Eskiyen Normaller Ara\u015ft\u0131rmas\u0131”, t\u00fcketicilerin g\u00fcnl\u00fck finansal i\u015flemlerde art\u0131k normal bulmad\u0131\u011f\u0131 uygulamalar\u0131, de\u011fi\u015fim taleplerini ve \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131la ili\u015fkin beklentilerini ortaya koyuyor. Ara\u015ft\u0131rma, t\u00fcketicilerin daha az masraf ve daha az zahmet beklentisinin g\u00fc\u00e7lendi\u011fine i\u015faret ediyor. Masrafs\u0131z ve zahmetsiz bankac\u0131l\u0131k yakla\u015f\u0131m\u0131yla bu beklentileri merkeze alan ING T\u00fcrkiye<\/strong>, ING Mobil<\/strong> \u00fczerinden FAST\/Havale\/EFT ve SWIFT i\u015flemlerini bireysel m\u00fc\u015fterilerine masrafs\u0131z sunuyor; aidats\u0131z kredi kart\u0131 imk\u00e2n\u0131 sa\u011fl\u0131yor ve yat\u0131r\u0131m i\u015flemlerinde MKK \u00fccreti alm\u0131yor.<\/p>\n

De\u011fi\u015fim Talebi G\u00fc\u00e7l\u00fc, De\u011fi\u015fim Beklentisi Daha S\u0131n\u0131rl\u0131<\/strong><\/h3>\n

Ara\u015ft\u0131rma, ek maliyet ve fiziksel zahmet yaratan bankac\u0131l\u0131k uygulamalar\u0131n\u0131n art\u0131k “eskiyen normaller” aras\u0131nda g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc ortaya koyuyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 80’i kredi kart\u0131na y\u0131ll\u0131k aidat \u00f6demeyi, y\u00fczde 73’\u00fc FAST\/Havale\/EFT i\u015flemlerinde \u00fccret \u00f6demeyi ve y\u00fczde 65’i SWIFT i\u015flemlerinde masraf \u00f6demeyi normal bulmuyor. Ayr\u0131ca, fatura \u00f6demek i\u00e7in \u015fubeye veya fiziksel bir noktaya gitmek y\u00fczde 76, ba\u015fka bir bankan\u0131n ATM’sini kullan\u0131rken \u00fccret \u00f6demek y\u00fczde 69 ve bankac\u0131l\u0131k i\u015flemleri i\u00e7in \u015fubeye gitmek y\u00fczde 68 oran\u0131nda “normal de\u011fil” olarak de\u011ferlendiriliyor.<\/p>\n

Ara\u015ft\u0131rman\u0131n dikkat \u00e7ekici bulgular\u0131ndan biri, t\u00fcketicilerin de\u011fi\u015fim talebi ile \u00f6n\u00fcm\u00fczdeki d\u00f6neme ili\u015fkin beklentileri aras\u0131ndaki fark oldu. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 60’\u0131 kredi kart\u0131 y\u0131ll\u0131k aidat\u0131n\u0131n, y\u00fczde 58’i FAST\/Havale\/EFT \u00fccretlerinin ve y\u00fczde 41’i SWIFT \u00fccretlerinin \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131l i\u00e7inde hayatlar\u0131ndan \u00e7\u0131kmas\u0131n\u0131 istiyor. Buna kar\u015f\u0131l\u0131k, bu uygulamalar\u0131n ger\u00e7ekten ortadan kalkaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnenlerin oran\u0131 daha d\u00fc\u015f\u00fck seviyede kal\u0131yor. Kredi kart\u0131 y\u0131ll\u0131k aidat\u0131n\u0131n \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131lda hayat\u0131m\u0131zdan \u00e7\u0131kaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnenlerin oran\u0131 y\u00fczde 41 iken, bu oran FAST\/Havale\/EFT \u00fccretlerinde y\u00fczde 37 ve SWIFT \u00fccretlerinde y\u00fczde 24 olarak ger\u00e7ekle\u015fiyor. \u00d6zellikle SWIFT \u00fccretleri, t\u00fcketicilerin de\u011fi\u015fmesini istedi\u011fi ancak de\u011fi\u015fim beklentisinin daha s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131 alanlardan biri olarak \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n

Yeni Beklenti: Daha Az Masraf, Daha Az Zahmet<\/strong><\/h3>\n

Ara\u015ft\u0131rmaya g\u00f6re t\u00fcketicilerin \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131lda en fazla \u00f6nem verece\u011fi beklentilerin ba\u015f\u0131nda y\u00fczde 83 ile masrafs\u0131zl\u0131k ve y\u00fczde 81 ile zahmetsizlik geliyor. Zahmetsizlik taraf\u0131nda bankac\u0131l\u0131k i\u015flemleri i\u00e7in \u015fubeye gitmek \u00f6ne \u00e7\u0131k\u0131yor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 50’si \u015fubeye gitmenin hayat\u0131ndan \u00e7\u0131kmas\u0131n\u0131 isterken, y\u00fczde 56’s\u0131 bunun \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131l i\u00e7inde ger\u00e7ekten ortadan kalkaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor.<\/p>\n

ING’den Masrafs\u0131z ve Zahmetsiz Bankac\u0131l\u0131k Yakla\u015f\u0131m\u0131<\/strong><\/h3>\n

ING T\u00fcrkiye<\/strong>, yenilik\u00e7i yakla\u015f\u0131m\u0131yla bankac\u0131l\u0131kta geleneksel olarak kabul edilen masraflar\u0131 ortadan kald\u0131rmaya y\u00f6nelik ad\u0131mlar att\u0131. Bu kapsamda bireysel ING<\/strong> m\u00fc\u015fterileri, EFT\/Havale\/FAST i\u015flemlerini ING Mobil<\/strong> \u00fczerinden \u00fccretsiz ger\u00e7ekle\u015ftirebiliyor. ING Dijital Kredi Kart\u0131<\/strong> ve ING Light Kredi Kart\u0131<\/strong> aidats\u0131z olarak sunulurken, ING Bonus Kredi Kart\u0131<\/strong> ise ayl\u0131k 5.000 TL harcama ko\u015fuluyla aidats\u0131z kullan\u0131labiliyor. ING<\/strong>, ayr\u0131ca dijital kanallar \u00fczerinden ger\u00e7ekle\u015ftirilen SWIFT i\u015flemlerinde hem banka hem de muhabir banka masraflar\u0131n\u0131 kald\u0131rarak, T\u00fcrkiye’de t\u00fcm bireysel m\u00fc\u015fterilerine masrafs\u0131z SWIFT hizmeti sunan banka olarak \u00f6ne \u00e7\u0131k\u0131yor. Bunun yan\u0131 s\u0131ra m\u00fc\u015fterilerine yat\u0131r\u0131m i\u015flemlerini MKK \u00fccreti \u00f6demeden ger\u00e7ekle\u015ftirme imk\u00e2n\u0131 da sa\u011fl\u0131yor.<\/p>\n

Ara\u015ft\u0131rma Hakk\u0131nda: Ara\u015ft\u0131rma, 31 Temmuz\u20139 A\u011fustos 2026 tarihlerinde Estima Ara\u015ft\u0131rma Dan\u0131\u015fmanl\u0131k ve Ticaret A.\u015e. taraf\u0131ndan ING ad\u0131na, online anket (CAWI) y\u00f6ntemiyle ger\u00e7ekle\u015ftirilmi\u015ftir. 18 ya\u015f ve \u00fczeri, ABC1 sosyoekonomik grupta toplam 500 ki\u015fiyle g\u00f6r\u00fc\u015f\u00fclm\u00fc\u015ft\u00fcr. Ara\u015ft\u0131rmada kat\u0131l\u0131mc\u0131lar\u0131n beyanlar\u0131n\u0131n yan\u0131 s\u0131ra Implicit Reaction Test (IRT) ile uygulamalara y\u00f6nelik ilk tepkiler ve tepki s\u00fcreleri de \u00f6l\u00e7\u00fcmlenmi\u015ftir.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

ING T\u00fcrkiye’nin “Eskiyen Normaller Ara\u015ft\u0131rmas\u0131”, dijitalle\u015fmeyle t\u00fcketicilerin bankac\u0131l\u0131k deneyimlerinden beklentilerinin de\u011fi\u015fti\u011fini ortaya koyuyor.<\/p>\n","protected":false},"author":2,"featured_media":2728,"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":"1a1a0c2223ced9f4","_ecomap_email_from":"pressrelease@faselis.com","_ecomap_editor_notes":"E-posta HTML'i temizlendi; selamlama, imza, ek dosya ba\u011flant\u0131lar\u0131, indirme linkleri, abonelik iptali ve Faselis footer'\u0131 kald\u0131r\u0131ld\u0131. G\u00f6vde h2\/h3 yap\u0131s\u0131na oturtuldu, spot olarak ara\u015ft\u0131rman\u0131n ana bulgular\u0131 \u00f6ne \u00e7\u0131kar\u0131ld\u0131. \"T\u00fcrkiye'nin ilk ve tek bankas\u0131\" gibi do\u011frulanamayan iddia yumu\u015fat\u0131ld\u0131. Ba\u015fl\u0131k ve alt ba\u015fl\u0131k yeniden yaz\u0131ld\u0131; hafif imla d\u00fczeltmeleri yap\u0131ld\u0131.","_ecomap_original_body":"

Merhaba Fintechistanbul.org - Web Sitesi Yaz\u0131i\u015fleri,
Masrafs\u0131z bankac\u0131l\u0131k alan\u0131nda \u00f6nc\u00fc ad\u0131mlar atan ING T\u00fcrkiye\u2019nin \u201cEskiyen Normaller Ara\u015ft\u0131rmas\u0131\u201d, dijitalle\u015fmeyle birlikte t\u00fcketicilerin bankac\u0131l\u0131k deneyimlerine ili\u015fkin beklentilerinin de\u011fi\u015fti\u011fini ortaya koydu.
\u0130yi \u00e7al\u0131\u015fmalar,
Burcu Konyal\u0131
Effect Burson

<\/p>ING ara\u015ft\u0131rd\u0131: Bankac\u0131l\u0131kta yeni normal daha az masraf, daha az zahmet<\/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:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:21px;line-height:107%;font-family:\"ING Me\";'>ING ara\u015ft\u0131rd\u0131: Bankac\u0131l\u0131kta yeni normal daha az masraf, daha az zahmet<\/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:center;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:13px;line-height:107%;font-family:\"ING Me\";'>Masrafs\u0131z bankac\u0131l\u0131k alan\u0131nda \u00f6nc\u00fc ad\u0131mlar atan ING T\u00fcrkiye\u2019nin \u201cEskiyen Normaller Ara\u015ft\u0131rmas\u0131\u201d, dijitalle\u015fmeyle birlikte t\u00fcketicilerin bankac\u0131l\u0131k deneyimlerine ili\u015fkin beklentilerinin de\u011fi\u015fti\u011fini ortaya koydu. Ara\u015ft\u0131rmaya g\u00f6re kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 80\u2019i kredi kart\u0131 y\u0131ll\u0131k aidat\u0131 \u00f6demeyi, y\u00fczde 73\u2019\u00fc FAST\/Havale\/EFT i\u015flemlerinde \u00fccret \u00f6demeyi, y\u00fczde 65\u2019i SWIFT i\u015flemlerinde masraf \u00f6demeyi normal bulmuyor. T\u00fcketicilerin bu uygulamalar\u0131n hayatlar\u0131ndan \u00e7\u0131kmas\u0131na y\u00f6nelik talebi y\u00fcksek iken \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131lda ortadan kalkmalar\u0131na ili\u015fkin beklenti daha s\u0131n\u0131rl\u0131 kal\u0131yor.\u00a0<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:9.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>Dijitalle\u015fmeyle birlikte bankac\u0131l\u0131kta \u201cnormal\u201d yeniden tan\u0131mlan\u0131yor. Masrafs\u0131z bankac\u0131l\u0131k alan\u0131nda \u00f6nc\u00fc ad\u0131mlar atan ING T\u00fcrkiye\u2019nin \u201cEskiyen Normaller Ara\u015ft\u0131rmas\u0131\u201d, t\u00fcketicilerin g\u00fcnl\u00fck finansal i\u015flemlerde art\u0131k normal bulmad\u0131\u011f\u0131 uygulamalar\u0131, de\u011fi\u015fim taleplerini ve \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131la ili\u015fkin beklentilerini ortaya koyuyor. Ara\u015ft\u0131rma, t\u00fcketicilerin daha az masraf ve daha az zahmet beklentisinin g\u00fc\u00e7lendi\u011fine i\u015faret ediyor. Masrafs\u0131z ve zahmetsiz bankac\u0131l\u0131k yakla\u015f\u0131m\u0131yla bu beklentileri merkeze alan ING T\u00fcrkiye, ING Mobil \u00fczerinden FAST\/Havale\/EFT ve SWIFT i\u015flemlerini bireysel m\u00fc\u015fterilerine masrafs\u0131z sunuyor; aidats\u0131z kredi kart\u0131 imk\u00e2n\u0131 sa\u011fl\u0131yor ve yat\u0131r\u0131m i\u015flemlerinde MKK \u00fccreti alm\u0131yor.<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:11.2pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:13px;line-height:107%;font-family:\"ING Me\";'>De\u011fi\u015fim talebi g\u00fc\u00e7l\u00fc, de\u011fi\u015fim beklentisi daha s\u0131n\u0131rl\u0131<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:9.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>Ara\u015ft\u0131rma, ek maliyet ve fiziksel zahmet yaratan bankac\u0131l\u0131k uygulamalar\u0131n\u0131n art\u0131k \"eskiyen normaller\" aras\u0131nda g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc ortaya koyuyor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 80\u2019i kredi kart\u0131na y\u0131ll\u0131k aidat \u00f6demeyi, y\u00fczde 73\u2019\u00fc FAST\/Havale\/EFT i\u015flemlerinde \u00fccret \u00f6demeyi ve y\u00fczde 65\u2019i SWIFT i\u015flemlerinde masraf \u00f6demeyi normal bulmuyor. Ayr\u0131ca, fatura \u00f6demek i\u00e7in \u015fubeye veya fiziksel bir noktaya gitmek y\u00fczde 76, ba\u015fka bir bankan\u0131n ATM\u2019sini kullan\u0131rken \u00fccret \u00f6demek y\u00fczde 69 ve bankac\u0131l\u0131k i\u015flemleri i\u00e7in \u015fubeye gitmek y\u00fczde 68 oran\u0131nda \u201cnormal de\u011fil\u201d olarak de\u011ferlendiriliyor.<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:9.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>Ara\u015ft\u0131rman\u0131n dikkat \u00e7ekici bulgular\u0131ndan biri, t\u00fcketicilerin de\u011fi\u015fim talebi ile \u00f6n\u00fcm\u00fczdeki d\u00f6neme ili\u015fkin beklentileri aras\u0131ndaki fark oldu. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 60\u2019\u0131 kredi kart\u0131 y\u0131ll\u0131k aidat\u0131n\u0131n, y\u00fczde 58\u2019i FAST\/Havale\/EFT \u00fccretlerinin ve y\u00fczde 41\u2019i SWIFT \u00fccretlerinin \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131l i\u00e7inde hayatlar\u0131ndan \u00e7\u0131kmas\u0131n\u0131 istiyor.<\/span><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";'>\u00a0<\/span><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>Buna kar\u015f\u0131l\u0131k, bu uygulamalar\u0131n ger\u00e7ekten ortadan kalkaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnenlerin oran\u0131 daha d\u00fc\u015f\u00fck seviyede kal\u0131yor. Kredi kart\u0131 y\u0131ll\u0131k aidat\u0131n\u0131n \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131lda hayat\u0131m\u0131zdan \u00e7\u0131kaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnenlerin oran\u0131 y\u00fczde 41 iken, bu oran FAST\/Havale\/EFT \u00fccretlerinde y\u00fczde 37 ve SWIFT \u00fccretlerinde y\u00fczde 24 olarak ger\u00e7ekle\u015fiyor.<\/span><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";'>\u00a0<\/span><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>\u00d6zellikle SWIFT \u00fccretleri, t\u00fcketicilerin de\u011fi\u015fmesini istedi\u011fi ancak de\u011fi\u015fim beklentisinin daha s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131 alanlardan biri olarak \u00f6ne \u00e7\u0131k\u0131yor.\u00a0<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:11.2pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:13px;line-height:107%;font-family:\"ING Me\";'>Yeni beklenti: Daha az masraf, daha az zahmet<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:9.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>Ara\u015ft\u0131rmaya g\u00f6re t\u00fcketicilerin \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131lda en fazla \u00f6nem verece\u011fi beklentilerin ba\u015f\u0131nda y\u00fczde 83 ile masrafs\u0131zl\u0131k ve y\u00fczde 81 ile zahmetsizlik geliyor. Zahmetsizlik taraf\u0131nda bankac\u0131l\u0131k i\u015flemleri i\u00e7in \u015fubeye gitmek \u00f6ne \u00e7\u0131k\u0131yor. Kat\u0131l\u0131mc\u0131lar\u0131n y\u00fczde 50\u2019si \u015fubeye gitmenin hayat\u0131ndan \u00e7\u0131kmas\u0131n\u0131 isterken, y\u00fczde 56\u2019s\u0131 bunun \u00f6n\u00fcm\u00fczdeki be\u015f y\u0131l i\u00e7inde ger\u00e7ekten ortadan kalkaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor.<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:11.2pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><span style='font-size:13px;line-height:107%;font-family:\"ING Me\";'>ING\u2019den masrafs\u0131z ve zahmetsiz bankac\u0131l\u0131k yakla\u015f\u0131m\u0131<\/span><\/strong><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:9.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>ING T\u00fcrkiye, yenilik\u00e7i yakla\u015f\u0131m\u0131yla bankac\u0131l\u0131kta geleneksel olarak kabul edilen masraflar\u0131 ortadan kald\u0131rmaya y\u00f6nelik ad\u0131mlar att\u0131.<\/span><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";'>\u00a0<\/span><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>Bu kapsamda bireysel ING m\u00fc\u015fterileri, EFT\/Havale\/FAST i\u015flemlerini ING Mobil \u00fczerinden \u00fccretsiz ger\u00e7ekle\u015ftirebiliyor. ING Dijital Kredi Kart\u0131 ve ING Light Kredi Kart\u0131 aidats\u0131z olarak sunulurken, ING Bonus Kredi Kart\u0131 ise ayl\u0131k 5.000 TL harcama ko\u015fuluyla aidats\u0131z kullan\u0131labiliyor.<\/span><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";'>\u00a0<\/span><span style='font-size:12px;line-height:107%;font-family:\"ING Me\";'>ING, ayr\u0131ca dijital kanallar \u00fczerinden ger\u00e7ekle\u015ftirilen SWIFT i\u015flemlerinde hem banka hem de muhabir banka masraflar\u0131n\u0131 kald\u0131rarak, T\u00fcrkiye\u2019de t\u00fcm bireysel m\u00fc\u015fterilerine masrafs\u0131z SWIFT hizmeti sunan ilk ve tek banka olarak \u00f6ne \u00e7\u0131k\u0131yor. Bunun yan\u0131 s\u0131ra m\u00fc\u015fterilerine yat\u0131r\u0131m i\u015flemlerini MKK \u00fccreti \u00f6demeden ger\u00e7ekle\u015ftirme imk\u00e2n\u0131 da sa\u011fl\u0131yor.<\/span><\/p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:9.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:\"Calibri\",sans-serif;text-align:justify;'><strong fr-original-style=\"\" style=\"font-weight: 700;\"><em><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";'>Ara\u015ft\u0131rma Hakk\u0131nda:<\/span><\/em><\/strong><em><span style='font-size:9px;line-height:107%;font-family:\"ING Me\";'>\u00a0Ara\u015ft\u0131rma, 31 Temmuz\u20139 A\u011fustos 2026 tarihlerinde Estima Ara\u015ft\u0131rma Dan\u0131\u015fmanl\u0131k ve Ticaret A.\u015e. taraf\u0131ndan ING ad\u0131na, online anket (CAWI) y\u00f6ntemiyle ger\u00e7ekle\u015ftirilmi\u015ftir. 18 ya\u015f ve \u00fczeri, ABC1 sosyoekonomik grupta toplam 500 ki\u015fiyle g\u00f6r\u00fc\u015f\u00fclm\u00fc\u015ft\u00fcr. Ara\u015ft\u0131rmada kat\u0131l\u0131mc\u0131lar\u0131n beyanlar\u0131n\u0131n yan\u0131 s\u0131ra Implicit Reaction Test (IRT) ile uygulamalara y\u00f6nelik ilk tepkiler ve tepki s\u00fcreleri de \u00f6l\u00e7\u00fcmlenmi\u015ftir.\u00a0<\/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=11862573&uidchk=8a0e5&ct=tr&pt=1278921&pts=1013531&e=bulten@mercek.net&o=28894&ot=4&chk=d40cf\" target=\"_blank\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/faselis_tr\/brands\/28252\/s1793697491_ESKIYEN_NORMALLER_.jpg.jpg\" style=\"-ms-interpolation-mode: bicubic; border: 0; height: auto; line-height: 100%; max-width: 160px; outline: none; text-decoration: none;\" class=\"photoimage\"><\/a><p class=\"alttext\" style=\"width:194px;max-width: 194px;padding:0 20px;padding-bottom: 0; padding-left: 20px; padding-right: 20px; padding-top: 0; font-family: Helvetica,Arial,sans-serif; font-size: 11px;overflow:hidden;\" align=\"left\" valign=\"top\"><\/p><\/td><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=11862574&uidchk=59f05&ct=tr&pt=1278921&pts=1013531&e=bulten@mercek.net&o=28894&ot=4&chk=d40cf\" target=\"_blank\"><img border=\"0\" src=\"https:\/\/img.faselis.com\/faselis_tr\/brands\/28252\/s1793697492_ING_T__rkiye_GM_Binas__.jpeg.jpg\" style=\"-ms-interpolation-mode: bicubic; border: 0; height: auto; line-height: 100%; max-width: 160px; outline: none; text-decoration: none;\" class=\"photoimage\"><\/a><p class=\"alttext\" style=\"width:194px;max-width: 194px;padding:0 20px;padding-bottom: 0; padding-left: 20px; padding-right: 20px; padding-top: 0; font-family: Helvetica,Arial,sans-serif; font-size: 11px;overflow:hidden;\" align=\"left\" valign=\"top\"><\/p><\/td><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;\" width=\"200\"><\/td><\/tr><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;\" 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=\"download\" 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 valign=\"top\" class=\"downloadright\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; border-collapse: collapse; font-family: Helvetica,Arial,sans-serif; font-size: 11px; height: 22px; line-height: 22px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding-right: 20px; text-align: right;\">T\u00fcm g\u00f6rselleri indirmek i\u00e7in <a href=\"https:\/\/get.faselis.com\/download.php?type=2&ct=tr&pt=1278921&pts=1013531&e=bulten@mercek.net&o=28894&ot=4&chk=d40cf\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; color: #0c1820; text-decoration: underline;\"><img src=\"https:\/\/img.faselis.com\/mailing\/download.png\" alt=\" style=\" bicubic border: height: auto line-height: outline: none text-decoration:><\/a><\/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_BB_03112026.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=11862575&uidchk=f67e8&ct=tr&pt=1278921&pts=1013531&e=bulten@mercek.net&o=28894&ot=4&chk=d40cf\" style=\"-ms-text-size-adjust: none; -webkit-text-size-adjust: none; color: #1c2b28; text-decoration: underline;\">\u0130ndir<\/a><\/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=\"footer\" 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-bottom: 20px; padding-left: 20px; padding-right: 20px; padding-top: 0px;\"><tr style=\"border: 0px none; border-collapse: collapse; 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