The first 24 hours are vital in phishing collection. Bank chargeback + MASAK + coordinated intervention proceeding in parallel with the prosecutor's office.
First 0-2 hours — shock management
2-12 hours — legal process
12-24 hours — support mechanism
Bank refund channels
- Chargeback (card): 30-60 days; The success rate is high.
- EFT/Money Transfer refund: Receiving bank approval is required; Action within 24-72 hours is critical.
- Consumer referee: Below 25,500 TL; If the bank does not decide, arbitration is available.
- Bank complaint: + lawsuit through BRSA / CBRT.
Frequently asked questions
The bank says it will not refund; what do i do?
Consumer referee → Coverage below 25,500 TL; consumer court for above. Allegation that "the bank's security measures were inadequate" — the burden of proof shifts to the bank. If the transaction is made without SMS password + 2FA, there is a high chance of winning.
I am a SIM swap victim; How do I collect?
Liability to GSM operator: KVKK + consumer + communication right violation. If operator KYC deficiency is proven, the bank + operator are jointly liable. Total compensation ranges from 50K-300K TL.
Money sent to a foreign bank; Will it come back?
The first 24 hours are critical; "Recall" is possible on the SWIFT channel. Foreign bank request with MLAT after 24 hours (3-12 months). If on-chain (crypto) on-chain forensics + exchange notification.
Police said "It's outside Türkiye, we can't do it"; what do i do?
Open a file at the Office of the Public Prosecutor; The prosecutor's office initiates Europol + Interpol cooperation. In addition, the use of special forensics + Chainalysis increases practical collection.
I neglected to give the password myself; Will I receive compensation?
If there is individual negligence, compensation is reduced (TBK article 51 - contributory fault). However, partial compensation if there is security negligence at the bank (e.g. no social engineering detection of AnyDesk/TeamViewer permission). Consumer peer review.
Relevant legislation
- TCK art.243-245 — Basic articles of cyber crimes.
- TCK art.158/1-f — Qualified fraud (information tool).
- CMK article 134 — Search for digital evidence.
- 5651 SK — Access blocking and content removal.
- Budapest Cybercrime Convention — Türkiye is a party; international cooperation.