# Yapı Kredi / Yapı Kredi Mobile (SuperApp)

> Source: https://docs.barcoder.ai/docs/wallets/yapi-kredi
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Yapı Kredi — official](https://www.yapikredi.com.tr/)

## Overview

**Yapı Kredi (Yapı ve Kredi Bankası)** is **Turkey's 3rd-largest private bank by assets** + **post-Nov 9 + Nov 19 2021 UniCredit full divestiture completion** <sup>[1][1], [2][2], [Türkiye report](https://docs.barcoder.ai/docs/payments/TR)</sup>. **First 9 months 2025**: Yapı Kredi total assets TL 3.3 trillion + cash and non-cash loans TL 2.4 trillion + Turkey's 3rd-largest private bank by assets; **Yapı Kredi Mobile SuperApp distinctive Turkish banking app** ("Turkey's most beloved mobile banking app"; hundreds of transactions for both retail and corporate customers).

**Distinctive Yapı Kredi positioning** <sup>[1][1], [2][2], [3][3]</sup>:
- **Turkey's 3rd-largest private bank by assets** (first 9 months 2025; TL 3.3T total assets + TL 2.4T cash and non-cash loans)
- **Yapı Kredi Mobile SuperApp distinctive Turkish banking app** ("Turkey's most beloved mobile banking app"; hundreds of transactions for both retail and corporate customers)
- **Turkey's first retail-focused private bank with nationwide presence** (since 1944 Yapı Kredi founding) → distinctive Turkish private retail banking heritage
- **Koç Group total ownership 67.99% post-Nov 19 2021 UniCredit full divestiture completion** (Koç Holding 20.22% + Koç Financial Services 40.95% = 61.17%; Nov 9 2021 Koç +18% €300M UniCredit acquisition + Nov 19 2021 UniCredit 2% accelerated bookbuild)
- **2002 Koç + UniCredit Yapı Kredi joint controlling** + **Nov 9 + Nov 19 2021 UniCredit full divestiture completion** → distinctive Turkish-Italian banking strategic ownership transition
- **Yapı Kredi targets "branchless banking" revolution in Turkey** distinctive Turkish banking digital transformation

## History

**Sep 9 1944 — Yapı Kredi founded** in Turkey → distinctive Turkish private retail banking heritage (Turkey's first retail-focused private bank with nationwide presence).

**2002 — Koç + UniCredit Yapı Kredi joint controlling** → distinctive Turkish-Italian banking strategic ownership.

**2011 — Yapı Kredi Mobile mobile banking app launches**.

**Nov 9 2021 — Koç Holding acquires 18% Yapı Kredi shares from UniCredit for €300M** → distinctive Turkish-Italian banking divestiture.

**Nov 19 2021 — UniCredit sells remaining 2% Yapı Kredi stake via accelerated bookbuild** → UniCredit full divestiture completion + Koç Group total Yapı Kredi ownership 67.99% <sup>[2][2]</sup>.

**2025 — Yapı Kredi first 9 months 2025 total assets TL 3.3T + cash and non-cash loans TL 2.4T + Turkey's 3rd-largest private bank by assets + Yapı Kredi Mobile SuperApp "Turkey's most beloved mobile banking app"** <sup>[1][1], [2][2], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **Yapı ve Kredi Bankası A.Ş. (BIST: YKBNK)**.

**Major shareholders**: **Koç Holding A.Ş. 20.22% direct + Koç Financial Services A.Ş. (Koç Group fully-owned subsidiary) 40.95% = Koç Group total 61.17% + post-Nov 9 + Nov 19 2021 UniCredit full divestiture completion → Koç Group total Yapı Kredi ownership 67.99% + Turkish institutional + Turkish retail public float**.

**Regulators**: **BDDK + CBRT (Central Bank of the Republic of Turkey)**.

## Technical integration

**Yapı Kredi Mobile SuperApp distinctive Turkish banking app** (iOS + Android; "Turkey's most beloved mobile banking app"; hundreds of transactions for both retail and corporate customers) + yapikredi.com.tr online + Yapı Kredi cards (Visa + Mastercard) + Yapı Kredi Turkish branch network; FAST + BKM Turkish national payment system; **Yapı Kredi targets "branchless banking" revolution in Turkey** distinctive Turkish banking digital transformation.

## Users & growth

**First 9 months 2025**: Yapı Kredi total assets TL 3.3 trillion + cash and non-cash loans TL 2.4 trillion + Turkey's 3rd-largest private bank by assets; **Yapı Kredi Mobile SuperApp distinctive Turkish banking app** ("Turkey's most beloved mobile banking app").

## Use cases

Turkish retail + private + corporate + SME + investment banking via Yapı Kredi Mobile SuperApp + yapikredi.com.tr online + cards + branches; FAST + BKM Turkish national payment system; **Yapı Kredi targets "branchless banking" revolution in Turkey**.

## Implementations & partners

**Operator**: Yapı ve Kredi Bankası A.Ş. (BIST: YKBNK); **Koç Holding A.Ş. + Koç Financial Services A.Ş. = Koç Group total 67.99%+ post-Nov 19 2021 UniCredit full divestiture completion**.

**Major Turkish banking competitors**: [Ziraat Bankası (Turkey)](https://docs.barcoder.ai/docs/wallets/ziraat-bankasi) (Türkiye's largest bank by assets state-controlled) + [İşbank (İşCep)](https://docs.barcoder.ai/docs/wallets/isbank-tr) (Türkiye İş Bankası; largest Turkish private bank by assets; 1924 Atatürk founding) + [Garanti BBVA Turkey](https://docs.barcoder.ai/docs/wallets/garanti-bbva) (BBVA Turkish subsidiary 86%+; Turkey #3 by assets) + [Akbank](https://docs.barcoder.ai/docs/wallets/akbank) (Sabancı family; Turkey #4 by assets; Akbank Mobile) + [QNB Finansbank / QNB Mobil & Dijital Köprü](https://docs.barcoder.ai/docs/wallets/qnb-finansbank) (QNB Group Turkish subsidiary; Turkey's 8th largest bank with 4.31% Turkish market share 2025) + [Halkbank / Halka Mobile](https://docs.barcoder.ai/docs/wallets/halkbank) (Turkish state-controlled; Halka Mobile) + [VakıfBank / VakıfBank Mobile](https://docs.barcoder.ai/docs/wallets/vakifbank) (Turkish Treasury-controlled; VakıfBank Mobile) + [DenizBank / MobilDeniz / fastPay](https://docs.barcoder.ai/docs/wallets/denizbank) (Emirates NBD Turkish subsidiary post-Jul 2019 Sberbank divestiture).

**Regulators**: BDDK + CBRT.

## Fun facts

- **Turkey's 3rd-largest private bank by assets** (first 9 months 2025; TL 3.3T total assets + TL 2.4T cash and non-cash loans).
- **Yapı Kredi Mobile SuperApp distinctive Turkish banking app** ("Turkey's most beloved mobile banking app"; hundreds of transactions for both retail and corporate customers).
- **Turkey's first retail-focused private bank with nationwide presence** (since 1944 Yapı Kredi founding) → distinctive Turkish private retail banking heritage.
- **Koç Group total ownership 67.99% post-Nov 19 2021 UniCredit full divestiture completion**.
- **2002 Koç + UniCredit Yapı Kredi joint controlling** + **Nov 9 + Nov 19 2021 UniCredit full divestiture completion** → distinctive Turkish-Italian banking strategic ownership transition.
- **Yapı Kredi targets "branchless banking" revolution in Turkey** distinctive Turkish banking digital transformation.

## Comparison

| Feature | Yapı Kredi / Yapı Kredi Mobile (SuperApp) | [İşbank (İşCep)](https://docs.barcoder.ai/docs/wallets/isbank-tr) (Türkiye İş Bankası rival; largest Turkish private bank by assets) | [Garanti BBVA Turkey](https://docs.barcoder.ai/docs/wallets/garanti-bbva) (BBVA Turkish subsidiary 86%+ rival; Turkey #3 by assets) | [Akbank](https://docs.barcoder.ai/docs/wallets/akbank) (Sabancı family rival; Turkey #4 by assets; Akbank Mobile) | [QNB Finansbank / QNB Mobil & Dijital Köprü](https://docs.barcoder.ai/docs/wallets/qnb-finansbank) (QNB Group Turkish subsidiary rival; Turkey's 8th largest bank with 4.31% Turkish market share 2025) |
|---|---|---|---|---|---|
| Operator | **Yapı ve Kredi Bankası A.Ş. (BIST: YKBNK; Koç Group 67.99%+ post-Nov 19 2021 UniCredit full divestiture completion)** | Türkiye İş Bankası A.Ş. (BIST: ISCTR) | Garanti BBVA (BBVA Turkish subsidiary 86%+; BIST: GARAN) | Akbank T.A.Ş. (BIST: AKBNK) | QNB Finansbank A.Ş. (QNB Group subsidiary; Qatar National Bank parent QE: QNBK) |
| Type | **Turkey's 3rd-largest private bank by assets + Yapı Kredi Mobile SuperApp ("Turkey's most beloved mobile banking app") + Turkey's first retail-focused private bank with nationwide presence + Koç Group 67.99%+ post-Nov 19 2021 UniCredit full divestiture + first 9 months 2025 TL 3.3T assets + TL 2.4T loans** | Türkiye İş Bankası + largest Turkish private bank by assets + 1924 Atatürk founding | BBVA Turkish subsidiary 86%+ + Garanti BBVA + Turkey #3 by assets | Sabancı family + Turkey #4 by assets + Akbank Mobile | QNB Group's Turkish subsidiary + Turkey #8 by assets with 4.31% Turkish market share 2025 + 1,837.28B TRY total assets + QNB Mobil 10M+ Android downloads |
| Country | TR | TR + 20+ countries | TR | TR + 4+ countries | TR |
| Distinctive | **Sep 9 1944 Yapı Kredi founding (Turkey's first retail-focused private bank with nationwide presence); 2002 Koç + UniCredit Yapı Kredi joint controlling; 2011 Yapı Kredi Mobile launch; Nov 9 2021 Koç +18% Yapı Kredi UniCredit €300M acquisition; Nov 19 2021 UniCredit 2% accelerated bookbuild full divestiture; Koç Group total 67.99% post-divestiture; Yapı Kredi "branchless banking" revolution target** | 1924 Türkiye İş Bankası founding by Atatürk; CHP party 28% historically | 1946 Garanti Bank founding; 2011 BBVA Garanti 24.9% acquisition; 2017 BBVA Garanti 49.85% controlling acquisition; 2022 BBVA Garanti 86%+ acquisition | 1948 Akbank founding by Sabancı family; 1972 IPO | 1987 Finansbank founding; Jun 15 2016 QNB Group Finansbank $2.94B acquisition from NBG; 2017 Finansbank renamed QNB Finansbank |

## Status

**Active, Turkey's 3rd-largest private bank by assets + post-Nov 19 2021 UniCredit full divestiture completion** <sup>[1][1], [2][2], [3][3]</sup>:
- **Yapı ve Kredi Bankası A.Ş. (BIST: YKBNK; Koç Group 67.99%+ post-Nov 19 2021 UniCredit full divestiture completion)** since Sep 9 1944 Yapı Kredi founding (Turkey's first retail-focused private bank with nationwide presence) + 2002 Koç + UniCredit Yapı Kredi joint controlling + Nov 9 + Nov 19 2021 UniCredit full divestiture completion.
- **First 9 months 2025: TL 3.3T total assets + TL 2.4T cash and non-cash loans + Yapı Kredi Mobile SuperApp distinctive Turkish banking app "Turkey's most beloved mobile banking app"**.
- **BDDK + CBRT regulated**.

## Sources

[1]: https://grokipedia.com/page/Yap%C4%B1_Kredi "Yapı Kredi — Grokipedia"
[2]: https://www.yapikredi.com.tr/en/ "Yapı Kredi — official"
[3]: https://www.fintechfutures.com/bankingtech/yapi-kredi-targets-branchless-banking-revolution-in-turkey "Yapı Kredi targets 'branchless banking' revolution in Turkey — FinTech Futures"
[tr-cro]: https://docs.barcoder.ai/docs/payments/TR

- [1] [Yapı Kredi — Grokipedia][1]
- [2] [Yapı Kredi — official][2]
- [3] [Yapı Kredi targets 'branchless banking' revolution in Turkey — FinTech Futures][3]
- <sup>[Türkiye report](https://docs.barcoder.ai/docs/payments/TR)</sup> In-corpus: `reports/countries/TR-turkey.md`

## Source

Biography extracted from [yapi-kredi.md](https://docs.barcoder.ai/source/wallets/yapi-kredi). See `matrix.md` for standards-support matrix if present.