OptimumCard

We offer you a credit card which will make you discover very special features beyond shopping.

For your purchases, your Optimum card is accepted worldwide. Shop to your heart’s content.

In thousands of stores carrying our Optimum logo, you have the freedom to shop either in full or on installments. You can withdraw cash either from a branch or an ATM. Meanwhile, you also earn points.

OptimumCard offers you unique possibilities and advantages such as OptimumInstallment, OptimumAdvance, OptimumPoints and so many others.

• Features of OptimumCard

  • OptimumCard you get points with every transaction, not just when you shop.

  You get points even from Automatic Request Payment and even while using your OptimumPoints on your card.

  • OptimumCard has limitless possibilities... the Call Centre on (0392) 600 02 02, the Internet Branch, the Mobile Branch and all KOOP24 ATMs are at your service.

  You can access your balance and statement details, change your password, take out cash advances and make credit card or cash payments from accounts linked to your card at our KOOP24plus+ ATMs 24-Hour.

  • OptimumCard thinks of your relatives as well... It offers special opportunities with extra cards issued to them.

  If you wish, an additional card could be provided either to your spouse or another family member above 18 years old. Moreover,you can determine yourself for the additional card’s credit limit.

  • OptimumCard communicates with you in every way .

  E-mail, SMS, Fax. You can ask for your statements to be sent to you via e-mail or fax. If you wish, you can receive payment information as a short message on your telephone.

  • Use OptimumCard to shop safely while abroad.
  • The details of every purchase made using your OptimumCard while abroad will be sent to you as an SMS to ensure your safety in maximum level.
  • OptimumCard will not leave you in difficult. It is insured against loss or theft.

  In case of loss or theft of your card do not worry and call us right away.From the moment you inform us, you are not responsible for any purchase transaction.

  • Payments are easy with OptimumCard... Your purchases can be paid for easily when payments are due.

  With OptimumCard you have many payment options... Pay the minimum amount indicated on your statement and leave the balance on your card. Place a standing order instruction to settle either the whole balance on your statement or the minimum payment.

  Payments made via the Telephone Banking on (0392) 600 02 02, the Internet Branch, the Mobile Branch or using KOOP24 ATMs before 23.30 are credited on the same day. Alternatively you can pay cash direct from KOOP24plus+ATMs.

  • Get OptimumPoints with OptimumCard... Your first points are complimentary from us.

  We offer you your first OptimumPoints worth 5.00 TL with your new OptimumCard as a “Welcome gift”.Moreover, for our customers whose salaries are directly deposited to our bank and for our new customers who will request direct salary payment to our bank, we give away full double points, meaning a total of 10.00 TL. we wish you pleasant shoppings.

  • OptimumCard can be obtained easily... Start exploring the world without delay.

  All you have to do is visit your nearest KoopBank Branch and fill in an application form. Bring a photocopy of your ID, your residency certificate or an electricity or water utility bill in your name and a document indicating your income (payslip, employer's letter - if you are a pensioner or a freelancer, please indicate your income on the application form) and give them to one of our customer service staff. Those who can not provide an Income statement to get an Optimumcard , a deposite account will be blocked in order to be able to get the card. Don't forget that first OptiumumPoints are complimentary from us.

Click here for fees and rates valid on Credit cards.

Optimum Instalment

Delayed Instalment

OptimumAdvance

OptimumPoints

• OptimumInstalments

  Don’t postpone your dreams. Choose the instalment option for your purchase payments.

  Use Optimum Instalment for your OptimumCard payments. You can take advantage of favourable shopping opportunities and payment conditions whenever you see the Optimum symbol in more than 4,000 outlets. With OptimumCard you have the option to either pay in full or in interest-free instalments regardless of the payment period.

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• Optimum Delayed Instalment

  Shop first, and pay later anywhere in the world. You can even pay off your full purchases in instalments!

  With OptimumCard spread all your single payment purchases as instalment payments at home or abroad. All you need to do to make your payments is visit our Internet Branch online, use our Mobile Branch via your mobile phone or tablet or contact our Call Centre on (0392) 600 02 02.

  • Delayed Instalment Fees

    Number of Instalments	Fee (BSIV not included)
    3	% 2.63
    6	% 4.88
    9	% 7.23
    12	% 9.70

  • How to calculate a delayed instalment

    • Paying for your 100 TL purchase in 3 instalments
    • Fee for a 3 instalment delayed payment is 2.63%
    • Purchase fee =100 TL x %2.63 + BSIV = 2.63 TL + BSIV
    • Total amount to pay = 100 + 2.63 + 0.08 BSIV = 102.71 TL
    • Each of the three instalments is 34.24 TL
    • Paying for your 1,000 TL purchase in 12 instalments
    • Fee for a 12 instalment delayed payment is %9.70 (BSIV not included).
    • Purchase fee = 1000 TL x %9.70 + BSIV = 97 TL + BSIV
    • Total amount to pay = 100 + 97 + 2.91 BSIV = 1099.91 TL
    • Each of the 12 instalments is 91.66 TL.
    • Paying for your 400 Euro purchase in 6 instalments
    • Following the exchange procedure completed within the banking system, a fee of 4.88% and its BSIV is added to the TL equivalent of your purchase price. Then the “Total amount to pay” is divided by six and the resulting amount is paid in six instalments.

  • Channels for applying for Delayed Instalment

    • Internet Branch
    • Mobile Branch
    • Dial 0 on (0 392) 600 02 02 to connect to one of our customer services representative at our Call Centre

  • Details about how to apply

    • You need to request delayed instalment payment prior to the payment statement date ( 27th or 10th ) of the credit card used for your purchase.
    • You can request delayed instalment on each of your purchases and pay for as many purchases as you like.
    • You can also request instalment payment for the purchases made with the additional card/s. Delayed instalment payment requests for purchases made on the additional card need to be made by the main card holder.
    • Purchases made over the POSNet as an E-.Commerrce are included.
    • In order for your single payment purchases to be converted to a delayed instalment payment, the purchase needs to appear as a debt on your card but not to be included in your current statement.
    • Payments not made using Optimum POS terminals can take approximately 2 working days to appear on your card, so you can request delayed instalment after this period.
    • For single payment purchases made using Optimum POS terminals, a delayed instalment request can be made after the day of purchase.
    • Payments made during any special campaign offers, such as delayed payment or extra instalment, will not be eligible for delayed instalments. Even if your request is accepted and entered through the system, it will be cancelled.
    • A request made for a delayed instalment can be cancelled on the same day. A new request for delayed instalment payment on a purchase can be made the next day following the cancellation of a delayed instalment request on it.
    • Purchases made using Optimum Points are not included in this application.
    • Cash advances, expenditure in casinos or on other forms of gambling and purchases previously divided into instalments are not included in this application.
    • There is no refund of payments made if you wish to complete the payment of your purchase prior to the instalment period.
    • The due date of the credit card used for the payment of the instalments can only be changed following the payment of the final instalment

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  Calculate a delayed instalment

• Optimum Advance

  Do not make a big deal … Simply withdraw cash advance from ATMs and our branches.

  If you have an OptimumCard, you have the freedom of a cash advance anytime you need. You can withdraw cash from all KOOP24 ATMs, our branches and all ATMs displaying the MasterCard/Visa symbol, at home or abroad.

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• Optimum Points

  Earn all the time… Shop for free by spending points rather than money.

  Optimum Points with OptimumCard. Single payments or instalments, you earn Optimum Points on all purchases paid for with OptimumCard. What's more, you can double and quadruple your points at certain point levels and at certain periods. Then you can use the Optimum Points as money for shopping at various outlets.

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