Can I Buy Bitcoin with Ziraat Bank?

Ziraat Bank does not offer direct Bitcoin or cryptocurrency purchases through its banking services. However, clients can still invest in digital assets by transferring Turkish Lira (TRY) from their bank accounts to crypto exchanges in Turkey regulated by the Capital Markets Board (CMB).

Funding options generally include traditional bank transfers, debit card payments, or mobile banking channels linked to Ziraat Bank. 

How to Buy Crypto with Ziraat Bank

Ziraat Bank customers in Turkey can buy cryptocurrencies by using licensed exchanges that accept Turkish Lira (TRY). 

Among the available platforms, Bybit is one of the most reliable choices, offering access to more than 2,000 digital assets, competitive fees, and strong liquidity for fast order execution.

Follow this guide to buy crypto with Ziraat Bank on Bybit:

1. Open a Bybit Account: Visit Bybit’s official website or app and create an account using your email or phone number. Complete identity verification by uploading a valid passport or national ID, as required by regulatory standards.
2. Fund Your Account with TRY: Log in to Bybit, go to the “Buy Crypto” section, and select Turkish Lira (TRY) as your deposit currency. Choose your funding method, such as direct bank transfer, debit card, or mobile banking. Confirm the transaction to complete your deposit.
3. Select a Cryptocurrency: After your deposit clears, browse Bybit’s markets and choose the cryptocurrency you’d like to purchase, such as Bitcoin, Ethereum, or other supported assets.
4. Place Your Order: Enter the amount you want to invest, double-check the transaction details, and submit your order. Once completed, your purchased crypto will appear in your Bybit wallet, where it can be stored, traded, or withdrawn.

Ziraat Bank Cryptocurrency Policy

A review of Ziraat Bank’s terms shows that customers are not restricted from transferring Turkish Lira (TRY) to licensed cryptocurrency exchanges. Transfers can be completed through standard banking services such as wire payments, debit cards, or mobile channels, provided that the recipient exchange complies with Turkey’s financial regulations.

Ziraat Bank maintains a strict Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT) program, aligned with both domestic and international standards. The bank’s policy specifically emphasizes Know Your Customer (KYC) checks, suspicious transaction reporting, and ongoing monitoring obligations to prevent illicit use of financial products.

Alternative Crypto Exchanges for Ziraat Customers

In addition to Bybit, Ziraat Bank customers in Turkey can also connect their accounts to other reputable global exchanges that support Turkish Lira (TRY) funding:

• Gate – Gate offers access to more than 3,600 cryptocurrencies, making it attractive to investors seeking depth in altcoin markets. It supports TRY deposits through Visa, Mastercard, and direct bank transfers with fees starting from 0.2%.
• Kraken – Kraken is widely respected for its security and regulatory standards. It lists more than 460 cryptocurrencies, with strong support for spot and futures trading. Fees begin at 0.16% for makers and 0.26% for takers.
• Binance – Binance remains one of the largest exchanges globally, offering more than 350 cryptocurrencies. TRY deposits are supported through bank cards, bank transfers, and local payment partners, with trading fees starting at 0.1%.

Before choosing a platform, Ziraat Bank customers should assess key factors such as supported assets, deposit convenience, fee transparency, and security.

About Ziraat Bank

Ziraat Bank was founded in 1863 as an agricultural support institution. It has since evolved into Turkey’s largest state‑owned bank, anchored in Ankara and backed solely by the Türkiye Wealth Fund. 

It offers a full suite of retail, corporate, and investment banking services, delivered through an extensive network of over 1,700 branches and more than 7,000 ATMs. With assets surging to nearly TL 7 trillion by mid‑2025, the bank maintains strong financial stability and profitability.

Final Thoughts

For Ziraat Bank customers, the path to crypto investing lies in using licensed exchanges that support Turkish Lira deposits while staying aligned with Turkey’s financial regulations. 

By combining Ziraat Bank’s reliable transfer options with regulated platforms like Bybit, Kraken, Gate, or Binance, investors can safely access digital assets and build a strategy that balances opportunity with security.