# Ziraat Bankası (Turkey)

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

Specifications:
- [Ziraat Bankası — official](https://www.ziraatbank.com.tr/)

## Key details

- **Users:** 30M customers

## Overview

**Ziraat Bankası (Turkey)** is **Turkey's largest bank by assets + oldest Turkish bank since 1863** + **Turkish government Turkey Wealth Fund TWF fully owned post-2017** + **~30M customers** + **22+ countries international banking footprint** + **founded by Mithat Paşa Ottoman statesman** <sup>[1][1], [Türkiye report](https://docs.barcoder.ai/docs/payments/TR)</sup>.

## History

**1863 — Ziraat Bankası founded by Mithat Paşa Ottoman statesman in Pirot (then Ottoman Empire, now Serbia)** distinctive Ottoman + Turkish banking heritage (one of world's oldest agricultural development banks).

**1924 — Ziraat Bankası reorganized as joint-stock company by Atatürk's Republic of Turkey**.

**2010 — Ziraat Mobil mobile banking app launch** distinctive Turkish mobile banking strategy.

**2017 — Ziraat Bankası transferred to Turkey Wealth Fund TWF as state-owned commercial bank**.

## Ownership & operator

**Operating entity**: **T.C. Ziraat Bankası A.Ş.** (Turkey's largest bank by assets + oldest Turkish bank since 1863).

**Major shareholders**: **Turkey Wealth Fund TWF (Turkish state sovereign wealth fund) fully owned**.

**Regulators**: **BDDK Turkey (Banking Regulation and Supervision Agency) + CBRT (Central Bank of the Republic of Türkiye)**.

## Technical integration

Ziraat Mobil mobile banking app (iOS + Android; ~30M customers) + ziraatbank.com.tr online + Ziraat Bankası branch network across Turkey + 22+ countries + Ziraat Visa + Mastercard + Troy cards; TR IBAN + Troy (Turkish card payment network) + FAST (Turkish instant payments).

## Implementations & partners

**Major Turkish banking + payments competitors**: [İşbank (İşCep)](https://docs.barcoder.ai/docs/wallets/isbank-tr) (Türkiye İş Bankası; Turkey's largest private commercial bank by assets) + [Garanti BBVA Turkey](https://docs.barcoder.ai/docs/wallets/garanti-bbva) (Garanti BBVA Turkey; BBVA Spanish parent ~85% controlling) + [Akbank](https://docs.barcoder.ai/docs/wallets/akbank) (Akbank Turkey; Sabancı Holding majority controlling) + [Yapı Kredi / Yapı Kredi Mobile (SuperApp)](https://docs.barcoder.ai/docs/wallets/yapi-kredi) (Yapı ve Kredi Bankası; Koç Holding + UniCredit JV) + [DenizBank / MobilDeniz / fastPay](https://docs.barcoder.ai/docs/wallets/denizbank) (DenizBank Turkey; Emirates NBD UAE parent ~99.85% controlling) + [QNB Finansbank / QNB Mobil & Dijital Köprü](https://docs.barcoder.ai/docs/wallets/qnb-finansbank) (QNB Finansbank; QNB Qatar parent ~99.81% controlling) + [Halkbank / Halka Mobile](https://docs.barcoder.ai/docs/wallets/halkbank) (Türkiye Halk Bankası Turkish state-owned commercial bank) + [VakıfBank / VakıfBank Mobile](https://docs.barcoder.ai/docs/wallets/vakifbank) (VakıfBank Turkish state-owned commercial bank) + [Enpara.com (Turkey)](https://docs.barcoder.ai/docs/wallets/enpara) (Enpara.com QNB Finansbank Turkish digital bank) + [TEB Türkiye Ekonomi Bankası](https://docs.barcoder.ai/docs/wallets/teb-tr) (Türk Ekonomi Bankası TEB; BNP Paribas French parent + Çolakoğlu Group JV).

**Regulators**: BDDK + CBRT.

## Status

**Active, Turkey's largest bank by assets + oldest Turkish bank since 1863 + Turkish government Turkey Wealth Fund TWF fully owned + ~30M customers + 22+ countries international banking footprint** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.ziraatbank.com.tr/ "Ziraat Bankası — official"
[2]: https://en.wikipedia.org/wiki/Ziraat_Bankas%C4%B1 "Ziraat Bankası — Wikipedia"
[tr-cro]: https://docs.barcoder.ai/docs/payments/TR

- [1] [Ziraat Bankası — official][1]
- [2] [Ziraat Bankası — Wikipedia][2]
- <sup>[Türkiye report](https://docs.barcoder.ai/docs/payments/TR)</sup> In-corpus: `reports/countries/TR-turkey.md`

## Source

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