DenizBank Virtual Card

General Information

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You can use your DenizBank Virtual Card for transactions made via mobile or online channels. This means that your card details cannot be used via other channels, thereby enhancing the security of your card. This way, you can shop securely using your Virtual Card, which is under your sole control. The DenizBank Virtual Card allows you to make purchases even if there is no balance in your account. You can have DenizBank Virtual Card without paying any fee at all.

Features

Privileges of DenizBank Virtual Card

You can use your DenizBank Virtual card for all your domestic and international* transactions you will make online.
You can even make purchases with no balance in your account with DenizBank Virtual Card.
You can pay for your transactions you will make on international websites either in TL or USD, as you wish.
You can track the transactions made with your DenizBank Virtual Card via the internet banking branch.
You will be able to view your current-period spending for your DenizBank Virtual Card under that card, while transactions made after the statement cutoff date will appear under the details of the linked credit card.
Your DenizBank Virtual Card will be created as a supplementary card linked to the card for which you applied.
DenizBank Virtual Card is free of charge.
You can access the card number, expiration date, and Security Code (CVC2) information required to use virtual credit cards at any time via the MobilDeniz app, our Internet Banking, or Telephone Banking.
You can cancel your DenizBank Virtual Card by calling Telephone Banking.

*The use of Virtual Cards in gambling and betting sites has been restricted. The use of virtual cards on foreign-based gambling and betting sites has been restricted.

Why is DenizBank Virtual Card Secure?

The DenizBank Virtual Card eliminates security issues that may arise with credit cards online.
You can set the limit for your DenizBank Virtual Card before making purchases and, if you wish, lower the limit again after completing your shopping. This also prevents your DenizBank Virtual Card from being used by someone else without your knowledge.
Since the DenizBank Virtual Card is not issued as a physical card, there is no risk of it falling into anyone else's hands.
You can use your DenizBank Virtual Card only for transactions made via the internet and by phone. The inability to use virtual credit cards outside of these channels enhances the confidentiality and consequently the security of card details.

Points to Consider When Using Virtual Credit Cards

Before making a purchase, you can increase the available limit of your DenizBank Virtual Card to the required amount using the Internet Branch; if you wish, you can also lower the available limit after the purchase, again using the DenizBank Internet Branch. You can pay for your transactions you will make on international websites either in TL or USD, as you wish. Since exchange rate differences may occur during purchases on international websites, you should allocate a limit to your card equivalent to approximately 10% more than the price in Turkish Lira.
You can apply for the new DenizBank Virtual Card via Telephone Banking or at branches.
Since the DenizBank Virtual Card is not physically printed, it is not possible to hold it in your hand like a real credit card. When you make a purchase from an online store and the transaction is successful, your card is blocked equal to the purchase amount is placed on your card. However, even if this transaction is cancelled later on, your limit may remain blocked. The reason for this is the delay by the counterparty bank in sending the cancellation order. If your limit remains blocked despite having a cancelled transaction, you can call Telephone Banking. The block placed on your limit will be lifted once the necessary investigation has been conducted and approval has been obtained from the counterparty bank.
As of October 1, 2001, the Credit Card Security Code must be queried by merchants and controlled by banks for online purchases. It has been observed that the security code is not requested on some international websites. For your own security, we advise against proceeding with transactions that do not involve a security code.
Some websites operating abroad impose restrictions on Turkish credit cards for security reasons. If you are unable to successfully complete your purchase despite having a sufficient limit, please first try to contact the site administrators.
Do not perform transactions for testing purposes.

Application Points

We would like to see you on Mobildeniz for your application! To apply for your credit card via MobilDeniz or to apply to become our customer via MobilDeniz if you are not one already, click here
Internet Banking
08502220800 Telephone Banking
All DenizBank Branches
All DenizBank ATMs

Payment Points

Going to Branches

All DenizBank branches and Internet Banking ATMs,
All Practical points*,
All Garanti Bank branches and ATMs*,
All PTT branches and ATMs*.

Wherever You Are

Mobile Applications,
Other banks via EFT,
Your DenizBank account with automatic payment instruction,
08502220800 Telephone Banking,
www.denizbank.com internet banking.

*Transaction fee will be charged to your statement for the payments you will be making via these points. Click here for current fee information.

Legal Information

For your security, your credit card is delivered in a deactivated state. One day after the courier notifies us that you have received your card, it will be automatically activated for use, and you will be notified via SMS.
In the event that your card is lost or stolen, your PIN is compromised, or you notice your card being used for any transaction made without your authorization, please notify us immediately by calling Telephone Banking at 08502220800.
You are liable for losses arising from unauthorized use occurring within the 24 hours prior to the report of loss or theft, up to a limit of 150 TL. However, if the notification is not made, this limit will not apply, and you will be liable for the entire amount of the expenses incurred You can arrange for an insurance company to cover the 150 TL for which you would be liable in the event of loss or theft; if you wish, you can call our Telephone Banking service at 08502220800 to obtain this product through our bank.
You are required to update any changes to your contact information within 15 days at the latest via our branches, the number 08502220800, or www.denizbank.com. Otherwise, the notifications sent to you may not reach you.
The Bank converts the expenses incurred by the Customer abroad and other fx transactions using his card into TL based on its own fx sales rate on the day they are recorded into the account or monthly average rate that it will identify for these kinds of expenses. In international credit card transactions, the Bank’s agreement with institutions is made in USD currency. Regardless of the original currency, overseas expenditures are first converted into USD based on the exchange rates applied by the international card-issuing organizations (Visa International and/or MasterCard International) and are charged to the BANK in USD to include the commission amounting to up to 3% applied by said organizations. The transaction fees charged by these international card-issuing organizations are charged to the account summary as USD or TL by the Bank based on the customer preferences, the Customer may pay off his debt in TL or USD. The current fx sales rate of the Bank will be used on the day the transaction comes from settlement while converting the amount converted into USD by Visa/MasterCard and submitted to the Bank by the settlement. However, the expenses made in the foreign airlines in Türkiye are issued in TL on their sales certificate whereas they might be shown in USD in the account summary. The expenses made by the customer at home and abroad, the related authorization expenses regarding cash advance withdrawals are included in the account summary (domestic authorization expenses in TL, international authorization expenses in USD account summary).

Frequently Asked Questions

How can I apply to DenizBank Virtual Card?

You can make your card application by going to DenizBank branch that is closest to you, through DenizBank Online Banking, through 08502220800 Telephone Banking or all DenizBank ATM.

Why is DenizBank Virtual Card secure?

DenizBank Virtual Card removes the security issues which may arise regarding the credit cards online.
You can set your DenizBank Virtual Card limit before your shopping and if you wish, you can reduce your limit once your shopping is completed. Thus, the use of your card by someone else outside of your knowledge will be prevented.
Since your DenizBank Virtual Card is not printed as a plastic card, there is no risk of 3rd parties getting hold of it.
You can only use your DenizBank Virtual Card for transactions made online or via phone. The failure to use the virtual credit cards outside of these channels increases the confidentiality of the card information and thus security.

Points to note while using my DenizBank virtual card?

Since DenizBank Virtual Card is not printed in a physical form, you cannot keep it as a real credit card. When the transaction is successful in your shopping in department stores selling online, your credit card will be blocked for the amount of the shopping you have made. However, even if this shopping is cancelled, your limit may be blocked. The reason is that the counterbank is delayed to send the cancellation order. If your limit is blocked despite having a cancelled transaction, you may call the Telephone Banking. The block on your limit will be removed after the necessary inquiry is made and counterbank approval is obtained
As of 1 October 2001, the Credit Card Security Code needs to be inquired by the department stores in online shopping and controlled by the banks. On some international websites, the Security Code information is not requested; we advise that you do not make transactions with no Security Code information for your security.
Some websites operating abroad impose restrictions on Turkish credit cards due to security. Despite having sufficient limit, if you cannot finalize your shopping with success, you first need to contact the site administrators.
You should not make a transaction for trial purposes.

How can I realize my card payments?

By going to DenizBank branches;

Through all DenizBank branches and Internet Banking ATMs,
All Practical points*
All Garanti Bank branches and ATMs*,
All PTT branch and ATMs*.
All ICBC Turkey branches.

Wherever you are;

Other banks via EFT,
from your DenizBank account through automatic payment order,
08502220800 Telephone Banking,
www.denizbank.com internet banking.