When you want to transfer money from your bank account to someone else's, you have to state the reason why you are making that transfer. This reason is known as açıklama in Turkish banks.


açıklama in Turkish banks is not just for show, it has legal value as well. You are required to state the reason behind your transfers. Imagine you are paying some instalments and for some reason, the recipient claims you didn't transfer the money. in that case, açıklama in your transfers could save you a lot of legal trouble.


If you are in Turkey with a tourist visa, you are able to open a personal bank account. This personal bank account should be used for your day to day transactions such as shopping. If you are using your personal bank account as a business account, your bank will most likely block your account. Thats why its important to have an explanation for your transactions and transfers to and from your bank account.
Maybe a company owes you a refund for a purchase you returned, they have to state why they are sending your bank account money to show the reason behind the payment you are receiving.
Seems like a lot of extra work, and it is, but also açıklama can save you a lot of trouble.