How to Establish Electronic Money Institution 2025 - Step by Step Guide

Establishing an electronic money institution in Turkey is subject to BDDK (Banking Regulation and Supervision Agency) regulations. In this guide, we will examine the legal processes, requirements, and step-by-step guide for establishing an electronic money institution.

🏛️ Legal Framework

BDDK Regulations

Important Regulations:

• ✅ Electronic money institutions are subject to BDDK supervision
• ✅ License requirement exists
• ✅ Capital adequacy requirements determined (10 million TL)
• ✅ Payment services regulations apply

📋 Electronic Money Institution Establishment Process

1. Company Establishment

Requirements:

• ✅ Joint stock company (AŞ) structure mandatory
• ✅ 10 million TL minimum paid-in capital
• ✅ Established in Turkey

2. BDDK Application

Requirements:

• ✅ BDDK license application
• ✅ Preparation of required documents
• ✅ Capital adequacy certificate
• ✅ Compliance documents

💰 Capital Requirements

Minimum Capital

BDDK Requirements:

• ✅ 10 million TL minimum paid-in capital
• ✅ Capital adequacy requirements

📊 Related Content

• How to Get Payment Institution License - License process
• Electronic Money Institutions - E-money institutions list
• What is Electronic Money - E-money explanation
• Payment Institution Platforms - Platform development

🎯 Conclusion

Establishing an electronic money institution in Turkey is subject to BDDK regulations and has license requirements. Important points:

1. ✅ Joint stock company structure mandatory
2. ✅ 10 million TL capital requirement
3. ✅ BDDK license mandatory
4. ✅ Technical infrastructure requirements

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