تركيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في تركيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
دليل تنفيذ قابل للتنزيل
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11 مجالات رقابية · 38 فحوص تنفيذ
تاريخ آخر مراجعة: 8 October 2026 · الإصدار 1.0
تنزيل قائمة التحققإجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ تركيا؟
تحوّل قائمة تركيا قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و38 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Primary AML law
- Law No. 5549
- FIU
- Financial Crimes Investigation Board (MASAK)
- STR timing
- Within 10 business days from suspicion; immediately where delay is prejudicial
- Records
- 8 years from the applicable document, record or transaction trigger
- Beneficial ownership
- Identify the natural person who ultimately owns or controls; apply current Measures Regulation tests
- Sanctions
- Laws No. 6415 and 7262; Presidential and Official Gazette decisions
- Privacy law
- Personal Data Protection Law No. 6698, as amended
- FATF public lists
- Not listed at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في تركيا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify the activity, Türkiye nexus and competent supervisor before launch.3 عناصر+
Determine whether each activity is an obliged-party activity.
- إجراء التنفيذ
- Map services and delivery models to the categories in Law 5549 and the current Measures Regulation, including financial institutions, designated businesses and professions and crypto-asset service providers.
- الأدلة الواجب الاحتفاظ بها
- Perimeter memo, service map and authority confirmation.
- المصدر الأساسي
- Law 5549 article 2(d); Measures Regulation article 4
Obtain each activity-specific authorisation before operating.
- إجراء التنفيذ
- Classify banking, payments, electronic money, money transfer, capital markets, insurance, exchange and crypto services under the live sector regime.
- الأدلة الواجب الاحتفاظ بها
- Licence matrix, approvals and conditions.
- المصدر الأساسي
- Applicable BRSA, CBRT, CMB and Treasury legislation
Use current Turkish legislation and MASAK publications.
- إجراء التنفيذ
- Track Official Gazette amendments, MASAK communiqués, sector guides and supervisory decisions; treat English translations as aids only.
- الأدلة الواجب الاحتفاظ بها
- Source register, translations and change log.
- المصدر الأساسي
- Law 5549 and implementing legislation
02Governance and risk assessmentControls must be risk-based, documented and effective at entity and financial-group level.3 عناصر+
Maintain an enterprise ML/TF/PF risk assessment.
- إجراء التنفيذ
- Assess customers, countries, products, delivery channels, transactions, new technologies and group exposure using current national and sector risk information.
- الأدلة الواجب الاحتفاظ بها
- Methodology, assessment, approval and updates.
- المصدر الأساسي
- Law 5549 article 5; Compliance Programme Regulation
Operate the required compliance programme.
- إجراء التنفيذ
- Where applicable, appoint an authorised compliance officer and maintain policies, risk management, monitoring, training, internal control and audit.
- الأدلة الواجب الاحتفاظ بها
- Appointment, programme, reports, testing and remediation.
- المصدر الأساسي
- Law 5549 article 5; Compliance Programme Regulation
Apply group-wide controls without weakening local duties.
- إجراء التنفيذ
- Govern permitted intra-group CDD, account and transaction information sharing and apply stricter local restrictions where required.
- الأدلة الواجب الاحتفاظ بها
- Group standard, legal analysis and access controls.
- المصدر الأساسي
- Law 5549 article 5(2)
03Natural-person identificationIdentify and verify the customer, beneficiary and representative at every applicable trigger.4 عناصر+
Complete CDD before the relevant transaction or relationship.
- إجراء التنفيذ
- Identify and verify the person conducting the transaction and the person on whose behalf or for whose benefit it is conducted using reliable evidence.
- الأدلة الواجب الاحتفاظ بها
- Identity attributes, document provenance and verification result.
- المصدر الأساسي
- Law 5549 article 3; Measures Regulation
Apply the current trigger and monetary threshold rules.
- إجراء التنفيذ
- Configure relationship, suspicious-transaction and occasional-transaction triggers from the current Measures Regulation and MASAK amendments; do not hard-code an undated lira amount.
- الأدلة الواجب الاحتفاظ بها
- Dated threshold register, configuration and change tests.
- المصدر الأساسي
- Law 5549 article 3(2); Measures Regulation articles 5-6
Verify representatives and authority.
- إجراء التنفيذ
- Identify the representative and represented person and authenticate the mandate before accepting instructions.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, mandate and validation.
- المصدر الأساسي
- Measures Regulation customer-identification provisions
Do not establish or continue an inadequately identified relationship.
- إجراء التنفيذ
- Apply the current prohibition and termination rules where CDD cannot be completed and assess whether an STR is required without tipping off.
- الأدلة الواجب الاحتفاظ بها
- Failure reason, restriction and STR assessment.
- المصدر الأساسي
- Measures Regulation article 22
04KYB and beneficial ownershipVerify legal existence, authority, ownership and ultimate control.4 عناصر+
Verify the legal person and authorised persons.
- إجراء التنفيذ
- Obtain current trade-registry, constitutional, tax, activity, director and signatory evidence and validate authority through the live registry process.
- الأدلة الواجب الاحتفاظ بها
- MERSIS or registry extract, documents and discrepancy log.
- المصدر الأساسي
- Measures Regulation; Turkish Commercial Code; Trade Registry Regulation
Identify the natural person who ultimately owns or controls.
- إجراء التنفيذ
- Trace direct, indirect, layered, nominee and other control arrangements and apply the current ownership, control and senior-managing-official fallback sequence.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, calculations, control rationale and verified identities.
- المصدر الأساسي
- Measures Regulation article 17/A
Do not treat a percentage as a safe harbour.
- إجراء التنفيذ
- Use the current regulatory ownership indicator while still testing control by other means and applying the prescribed fallback where no natural person is identified.
- الأدلة الواجب الاحتفاظ بها
- Criterion-by-criterion analysis and escalation.
- المصدر الأساسي
- Measures Regulation article 17/A
Reconcile AML CDD with registry and tax beneficial-owner duties.
- إجراء التنفيذ
- Capture the applicable MERSIS, trade-registry and Revenue Administration declarations separately from the AML identification conclusion.
- الأدلة الواجب الاحتفاظ بها
- Registry evidence, declaration receipts and discrepancy decisions.
- المصدر الأساسي
- Tax Procedure Law General Communiqué 529; registry rules
05PEPs, EDD, and remote onboardingApply enhanced controls to PEPs and higher-risk relationships.3 عناصر+
Identify domestic and foreign PEP exposure.
- إجراء التنفيذ
- Screen customers, beneficial owners, family members and close associates and apply the approval, source-of-wealth, source-of-funds and monitoring measures required by current MASAK rules.
- الأدلة الواجب الاحتفاظ بها
- Screening, classification, approval and corroboration.
- المصدر الأساسي
- MASAK General Communiqué No. 21; Measures Regulation
Apply enhanced measures to higher risk.
- إجراء التنفيذ
- Obtain additional identity, purpose, ownership, wealth and funds evidence; increase review and monitoring intensity and document the rationale.
- الأدلة الواجب الاحتفاظ بها
- Risk trigger, enhanced CDD and approval.
- المصدر الأساسي
- Measures Regulation enhanced-measures provisions
Control remote identification by sector.
- إجراء التنفيذ
- Use only a method permitted by the competent supervisor and retain liveness, authentication, fraud, consent and exception evidence.
- الأدلة الواجب الاحتفاظ بها
- Method assessment, session evidence and exceptions.
- المصدر الأساسي
- Applicable BRSA, CBRT, CMB and insurance remote-identification rules
06Monitoring and suspicious reportingOngoing scrutiny supports timely reporting to MASAK.4 عناصر+
Monitor and refresh on a risk basis.
- إجراء التنفيذ
- Compare activity with purpose, expected behaviour, customer risk and source of funds; update CDD when events, material changes or doubts arise.
- الأدلة الواجب الاحتفاظ بها
- Scenarios, alerts, reviews and refresh history.
- المصدر الأساسي
- Measures Regulation ongoing-monitoring provisions
Escalate suspicion without waiting for proof.
- إجراء التنفيذ
- Assess completed and attempted transactions promptly and record the information, suspicion or reasonable grounds and formation time.
- الأدلة الواجب الاحتفاظ بها
- Case chronology, facts and decision.
- المصدر الأساسي
- Law 5549 article 4
Report to MASAK within the statutory period.
- إجراء التنفيذ
- Submit through the current MASAK Online route within 10 business days from formation of suspicion and immediately where delay is prejudicial.
- الأدلة الواجب الاحتفاظ بها
- Suspicion timestamp, submission and acknowledgement.
- المصدر الأساسي
- MASAK General Communiqué No. 13 article 5
Prevent tipping off and protect report information.
- إجراء التنفيذ
- Restrict access, communications and disclosure to the statutory exceptions.
- الأدلة الواجب الاحتفاظ بها
- Access logs, scripts, training and incidents.
- المصدر الأساسي
- Law 5549 article 4(2)
07Payments, wires, thresholds, and crypto-assetsSeparate CDD triggers, periodic reporting and activity-specific licensing.4 عناصر+
Carry and screen required transfer information.
- إجراء التنفيذ
- Apply current originator and beneficiary fields, missing-data procedures, sanctions checks and sector travel-rule requirements.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, samples and repair queue.
- المصدر الأساسي
- Measures Regulation wire-transfer provisions; MASAK crypto guidance
Apply current periodic-reporting rules only to covered activity.
- إجراء التنفيذ
- Maintain a dated matrix of reportable transaction types, amounts, periods and exemptions issued by the Ministry; do not present a CDD threshold as a universal reporting threshold.
- الأدلة الواجب الاحتفاظ بها
- Rule register, reports, receipts and reconciliation.
- المصدر الأساسي
- Law 5549 article 6; current MASAK reporting rules
Obtain payment and electronic-money authorisation.
- إجراء التنفيذ
- Map account, wallet, acquiring, transfer, agent and outsourcing features to Law 6493 and current CBRT secondary rules.
- الأدلة الواجب الاحتفاظ بها
- Product memo, authorisation and control tests.
- المصدر الأساسي
- Law 6493; CBRT payment-services regulations
Obtain crypto-asset authorisation and apply current AML rules.
- إجراء التنفيذ
- Map trading, transfer, custody and key-management services to Capital Markets Law articles 35/B-35/C, CMB communiqués III-35/B.1 and III-35/B.2, and MASAK travel-rule and STR guidance.
- الأدلة الواجب الاحتفاظ بها
- CMB status, permissions, product map and AML tests.
- المصدر الأساسي
- Law 6362 as amended by Law 7518; CMB communiqués III-35/B.1 and III-35/B.2
08Targeted financial sanctionsUse current UN-derived and domestic freezing decisions.3 عناصر+
Screen designations, ownership and control.
- إجراء التنفيذ
- Screen relevant parties at onboarding, transactions and list updates against current UN and Türkiye decisions and resolve potential indirect control.
- الأدلة الواجب الاحتفاظ بها
- List versions, screening logs and match decisions.
- المصدر الأساسي
- Laws 6415 and 7262
Implement published freezes without delay.
- إجراء التنفيذ
- Block prohibited disposal or availability when a Presidential asset-freezing decision is published and notify or coordinate through the prescribed MASAK route.
- الأدلة الواجب الاحتفاظ بها
- Decision, restriction timestamp and notification.
- المصدر الأساسي
- Law 7262 article 3; Law 6415 and implementing regulation
Use licences, exemptions, delisting or release only under written authority.
- إجراء التنفيذ
- Apply the designation-specific procedure and preserve every condition and approval.
- الأدلة الواجب الاحتفاظ بها
- Legal analysis, permission and release record.
- المصدر الأساسي
- Law 6415; implementing regulations
09Records and regulator accessRetention triggers are record-specific.3 عناصر+
Retain AML documents and records for eight years.
- إجراء التنفيذ
- Run the period from the document date, last record date or last transaction date as applicable and preserve reconstructable evidence.
- الأدلة الواجب الاحتفاظ بها
- Schedule, trigger, samples and retrieval test.
- المصدر الأساسي
- Law 5549 article 8
Preserve STR, CDD, monitoring and compliance evidence.
- إجراء التنفيذ
- Keep decisions, supporting material, acknowledgements, training, controls and audits subject to statutory and lawful-hold requirements.
- الأدلة الواجب الاحتفاظ بها
- Case files, schedule and legal holds.
- المصدر الأساسي
- Law 5549 articles 4, 5 and 8
Produce complete records to competent authorities.
- إجراء التنفيذ
- Maintain controlled access and an auditable process for MASAK and supervisory information requests.
- الأدلة الواجب الاحتفاظ بها
- Access matrix, production log and integrity checks.
- المصدر الأساسي
- Law 5549 articles 7-8
10Privacy, biometrics, breaches, and transfersApply Law 6698 as amended and current Personal Data Protection Board instruments.4 عناصر+
Map processing conditions, notices and data-subject rights.
- إجراء التنفيذ
- Inventory personal and special-category data, identify an Article 5 or 6 condition, provide Article 10 information and support Article 11 rights.
- الأدلة الواجب الاحتفاظ بها
- Data map, legal-basis record, notices and rights log.
- المصدر الأساسي
- Law 6698 articles 4-6 and 10-11
Apply enhanced controls to biometric and special-category data.
- إجراء التنفيذ
- Document necessity and proportionality, apply current Board adequate measures and implement security appropriate to the sensitivity and onboarding risk.
- الأدلة الواجب الاحتفاظ بها
- Assessment, controls, test results and approvals.
- المصدر الأساسي
- Law 6698 article 6; KVKK biometric-data guideline
Notify personal-data breaches without delay.
- إجراء التنفيذ
- Escalate, contain, document and notify the Board and affected persons using the current Board decision and form; do not convert the Board's 72-hour interpretation into a statutory text claim.
- الأدلة الواجب الاحتفاظ بها
- Incident chronology, assessment and notifications.
- المصدر الأساسي
- Law 6698 article 12(5); Board Decision 2019/10
Use the amended cross-border transfer regime.
- إجراء التنفيذ
- Apply adequacy, an Article 9 appropriate safeguard or a limited incidental-transfer exception and file standard-contract notifications within five business days where used.
- الأدلة الواجب الاحتفاظ بها
- Transfer map, mechanism, contract and notification receipt.
- المصدر الأساسي
- Law 6698 article 9; 2024 Cross-Border Transfer By-Law
11Practical evidence packsEvidence must reconstruct decisions end to end.3 عناصر+
Maintain an onboarding pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, beneficial ownership, PEP, sanctions, purpose, risk, privacy and approvals.
- الأدلة الواجب الاحتفاظ بها
- Complete sample and retrieval result.
- المصدر الأساسي
- Operational control supporting Law 5549
Maintain STR and sanctions case packs.
- إجراء التنفيذ
- Link activity, suspicion time, report, receipt, confidentiality, restrictions and communications.
- الأدلة الواجب الاحتفاظ بها
- Case pack, timeline and access record.
- المصدر الأساسي
- Law 5549 article 4; Laws 6415 and 7262
Maintain a launch and legal-change pack.
- إجراء التنفيذ
- Record perimeter, licences, reporting, sanctions, privacy, vendors, current thresholds and tests.
- الأدلة الواجب الاحتفاظ بها
- Signed pack, source register and approvals.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
18 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Law No. 5549 on Prevention of Laundering Proceeds of CrimeMASAK · Primary legislation - official English translation
- Measures Regulation and consolidated AML legislation registerMASAK · Official legislation register
- MASAK General Communiqué No. 13 - suspicious transaction reportingMASAK · Official binding communiqué
- Current sector suspicious transaction reporting guides and MASAK Online routeMASAK · Official filing guidance
- Law No. 6415 on Prevention of Financing of TerrorismMASAK · Primary legislation - official English translation
- Law No. 7262 on Prevention of Financing of ProliferationMASAK · Primary legislation - official English translation
- Current asset-freezing decisions and listsMASAK · Official sanctions register
- Company establishment and MERSIS guideMinistry of Trade · Official registry guidance
- Payment Services and Electronic Money Law No. 6493Central Bank of the Republic of Türkiye · Primary sector legislation and official framework
- Crypto-asset service-provider communiqués III-35/B.1 and III-35/B.2Capital Markets Board · Official supervisory announcement
- Capital Markets Board legislation systemCapital Markets Board · Official legislation register
- Personal Data Protection Law No. 6698Personal Data Protection Authority · Primary legislation - official English translation
- Cross-border transfer by-law and standard contractsPersonal Data Protection Authority · Official regulation and instruments
- Guideline on processing biometric dataPersonal Data Protection Authority · Official regulator guidance
- FATF Türkiye country assessment pageFATF · Authoritative assessment
- FATF Plenary outcomes - 19 June 2026FATF · Authoritative current assessment status
- FATF increased monitoring - 19 June 2026FATF · Authoritative current public-list status
- FATF call for action - 19 June 2026FATF · Authoritative current public-list status
إجابات مباشرة
أسئلة KYC وKYB وAML في تركيا
Who receives suspicious transaction reports?+
MASAK receives reports through the current MASAK Online route and sector guide.
When must an STR be filed?+
Within ten business days from formation of suspicion, and immediately where delay is prejudicial.
How long are AML records retained?+
Eight years from the applicable document date, last record date or last transaction date under Law 5549 article 8.
What is Türkiye's beneficial-owner threshold?+
Apply the current Measures Regulation ownership indicator, control-by-other-means test and senior-managing-official fallback; a percentage is not a safe harbour.
Is there one universal transaction threshold?+
No. CDD triggers and periodic-reporting duties vary by transaction, obliged-party category and current MASAK rule; maintain a dated threshold register.
Can onboarding be electronic?+
Yes where the applicable sector supervisor permits the method and all identity, liveness, authentication, fraud and record controls are met.
Are crypto-asset services regulated?+
Yes. CMB licensing and operating rules and MASAK AML, reporting and travel-rule obligations apply according to the service.
How are cross-border data transfers handled?+
Use the amended Law 6698 article 9 hierarchy: adequacy, an appropriate safeguard, or a limited incidental-transfer exception; standard contracts require notification within five business days.
Is Türkiye on a FATF public list?+
No at 19 June 2026. FATF adopted a new mutual evaluation in June 2026, and absence from a list is not a low-risk conclusion.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
General information, not legal advice. Reviewed 8 October 2026. Confirm controlling Turkish text, current monetary thresholds, sector rules, MASAK Online specifications, sanctions decisions, registry and beneficial-owner procedures, KVKK decisions and licensing conditions with the competent authority and qualified Türkiye counsel.