Bank’O Card​

You can use cash advance within your credit card limit to meet urgent cash needs and track your debt through your statements. Within certain limits and conditions, you can instantly use cash advances 24/7.

Channels for Cash Advance Usage:

• Odea Application,
• Odeabank Internet Banking,
• Odeabank ATM,
• 4444 8 444 Odeabank Communication Center
• Other bank ATMs

For information on fees and interest rates for all our bank and credit cards, please visit the 'Credit Cards and Bank Cards' section on our 'Product and Service Fees' page.

You can meet your cash needs 24/7 within the limit of your credit card, repay easily with fixed installments between 3 months and with very favorable interest rates. You can use your installment cash advance without paying a transaction fee.

You can access detailed calculation here.

Channels for Installment Cash Advance Usage:

• Odea Application,
• Odeabank Internet Banking
• Odeabank ATM,
• 4444 8 444 Odeabank Communication Center

For information on fees and interest rates for all our bank and credit cards, please visit the 'Credit Cards and Bank Cards' section on our 'Product and Service Fees' page.

Instead of waiting in long queues to track and pay your bills, you can simplify your transactions by setting up automatic instructions from your credit card.

Channels to Set Up Automatic Bill Payment:

• Odea Application,
• Odeabank Internet Banking,
• Odeabank Branches,
• Odeabank ATM,
• 4444 8 444 Odeabank Communication Center

Contracted Institutions:
ASKİ – Adana Water, ANTALYA WATER, Türk Telekom (Mobile), CK Bosphorus Electricity, BUSKİ – Bursa Water, BURSAGAZ, Digiturk, D-Smart Tv, D-Smart Net, ESKİŞEHİR NATURAL GAS, Gaziantep Natural Gas, İgdaş, İski, ISU Kocaeli Water, İzmir Water, Kayseri Gas, KASKİ – Kayseri Water, Kayseri and Environs Electricity, Mersin Water, MUGLASU, Palen - Erzurum Natural Gas, Palgaz - Kocaeli Gebze Natural Gas, Pronet, Samgaz – Samsun Natural Gas, SGKTAHSILAT, Superonline, Türk Telekom (Phone), Türk Telekom (Internet), Turkcell, Turknet, Vodafone, Waternet

To access fee and interest information for all our bank and credit cards, you can visit the "Credit Cards and Bank Cards" section on our "Product and Service Fees" page.

You can divide your cash purchases between 200 TL and 10,000 TL into installments for up to 3 months with Bank’O card. You can take advantage of installment payment facilities.

You can make installment transactions after your purchase by responding to the SMS sent to you or before your statement is issued through Odea Application, Odeabank Internet Banking, 444 8 444 Odeabank Communication Center, or our branches.

Details:

• You can convert your immediate purchases into installments through instructed installment payment. 
• Single payment purchases can be converted into installments when they fall within the billing cycle. If the statement is issued, installment cannot be arranged.
• There is no charge for instructed installment. However, the interest rate applied for installment transactions is the same as the contractual interest determined by the Central Bank.
• For a transaction that has been already divided into installments, you cannot request another installment.
• You can cancel your instructed installment request until your account's closing date. In this case, the interest is refunded. For cancellation requests after the closing date, you can make an early closure. You can request early closure through 444 8 444 Odeabank Communication Center, Odea Application, Odeabank Internet Banking, and our branches.
• You can only perform instruction-based installment transactions for public, education, and healthcare payments.
• If the maximum installment count applied in the campaign exceeds the Banking Regulation and Supervision Agency (BDDK) limits, installment arrangements can be made within the limits determined by the BDDK. (For example: Although 6 installments may be applicable under the campaign, according to BDDK regulations, only 3 installments may appear for your expenditure.)
• You can access product service and fee schedules here.
• The responsibility for the accuracy of the registered sector information of the merchant where the purchase is made lies with the merchant.
• Odeabank A.Ş. reserves the right to change the terms of the campaign and to terminate the campaign.

You can issue an additional card personalized for your relatives’ names with Bank’O card, allowing your loved ones to benefit from the advantages you enjoy. You can set the limit for your additional cards yourself and easily track expenses.

Channels for Additional Card Application:

• Odea Application,
• Odeabank Internet Banking,
• Odeabank Branches,
• 4444 8 444 Odeabank Communication Center

You can issue up to 5 additional cards linked to your card through Odea Application, Internet Branch, and 444 8 444 Communication Center for individuals aged at least 18 and above, and from Odeabank Branches for individuals aged at least 16 and above.

You can create a virtual card for more secure online and mail-order shopping and conduct your transactions swiftly. Moreover, you can determine your limit and not pay any card fees.

• You can apply for a virtual card via Odea Application, Odeabank Internet Banking, or 444 8 444 Odeabank Communication Center.
• While using your virtual card, you can access your card number, expiration date, and security code (CVC2) through Odea Application and Odeabank Internet Banking.
• Virtual cards are cards that are not physically printed.
• You can track your virtual card expenses from your main card statements.

To reduce paper consumption in POS devices, you can receive a digital document instead of a physical slip for purchases made with your credit card at physical POSs.

You can choose to receive digital slip for all transactions or only for contactless transactions under the transaction limit by calling 444 8 444 Odeabank Communication Center or through Odea Application by following the menu sequence: Banking -> All -> Cards -> Credit Cards -> Choose Card -> Upper right settings -> Digital Slip Settings.

You can query, view, and share digital slips for transactions made in the last 6 months. This way, you can quickly and easily track your expenses while contributing to the environment.

If you wish, you can receive your Bank’O Card statement either in TL only or as TL/USD. This way, your transactions made abroad or in foreign currency will be included in your USD statement, and you can easily pay from your USD account.

Channels to Change Statement Type:

• Odea Application,
• Odeabank Internet Banking,
• Odeabank Branches,
• 4444 8 444 Odeabank Communication Center

You can receive your Bank’O Card statement either in TL or in TL/USD. This way, your purchases made abroad or in foreign currency will be added to your USD statement, allowing you to easily pay from your USD account

Channels to Request Limit Change:

• Odea Application,
• Odeabank Internet Banking,
• Odeabank Branches,
• 4444 8 444 Odeabank Communication Center