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wages
(51 Messages in 6 pages - View all)
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1.       ekd
322 posts
 24 Aug 2006 Thu 09:04 pm

hi all

can anyone tell me the average wages for a teacher and for a nurse in turkey?

thanks for reading.

emma. x

2.       erdinc
2151 posts
 24 Aug 2006 Thu 09:52 pm

I can tell you that. I'm a teacher for 10 years and 8 of those where in Turkia. Today the average wage for a teacher is 820 YTL per month.

A newly started teacher will get about 770 and a 10 year experienced teacher gets 860 YTL. There is also a small bonus for the workhours after 15 hours per month. Most teachers work 30 hours per week and they get about 200 YTL extra for the months when they actually work (not when the schools are off). A nurses sallary would be smillar to a teacher's but without that extra bonus.

These are internet prices in Turkia:

Unlimited connection is as follows:
512 KB speed > 88 YTL (67 USD)
1 MB speed > 150 YTL (114 USD)
2 MB speed > 239 YTL (182 USD)

The average cost of renting a flat is 350 YTL per month. Landline phone will cost about 50-70 YTL and electricity will cost about 30-50 YTL per month.

Oil is the World's most expensive in Turkia and there are many taxes for car owners. This means add a minimum of 40 YTL per person per month travel cost to that list.

3.       ekd
322 posts
 24 Aug 2006 Thu 10:32 pm

thank you for the information! x

4.       vonnyz
176 posts
 25 Aug 2006 Fri 06:10 am

I have been wanting to know the standard of living in Turkey.

After reading this thread, it reall confirms my knowledge of the standard of living. Conclusion is, wages are low but things are expensive.

5.       Seticio
550 posts
 25 Aug 2006 Fri 10:38 am

yes, and Turkey is not an exeption...

6.       sophie
2712 posts
 25 Aug 2006 Fri 10:53 am

Quoting Seticio:

yes, and Turkey is not an exeption...



Tell ME about it! An average salary in Greece is from 600 to 800 euros and to rent a house of 80m2 you need to pay 400-500 euros. A single cup of coffee costs 4 euros!

I really wonder how can a family live with such a salarary, pay for the rent and manage to eat and dress at the same time. I m lucky enough to have a salary twice as big as the average and still I find it very difficult to make ends meet.

When I visit Turkia, it feels like paradise to me, concerning the prices and the value that my money have there. But if you consider the amount of money that Turks earn in a month, I m afraid that these prices are really expensive.

7.       susie k
1330 posts
 25 Aug 2006 Fri 11:05 am

8.       vonnyz
176 posts
 25 Aug 2006 Fri 05:00 pm

Last December was my first time in Turkey. I was quite alarmed to find out that the things there were quite expensive.

Well, maybe its not a good judgement as I didnt have enough time to explore more places/shops. But those apparel shops which I saw selling trendy clothings were priced quite high. Even for someone like me who have travelled to different parts of the world, i felt it was expensive. At that moment, I "thought" the people in Turkey were paid well at their work to afford such luxury goods.

But I was wrong. In fact, I felt "why" is it that way? That is...some people are not earning alot while some even have difficulty finding jobs and yet things are expensive.

9.       erdinc
2151 posts
 25 Aug 2006 Fri 05:23 pm

Quoting vonnyz:

In fact, I felt "why" is it that way? That is...some people are not earning alot while some even have difficulty finding jobs and yet things are expensive.



I can tell you why this is so. In Turkia the government doesnt bother collecting tax from income. There is of course an income tax and it is very high. I think it is %30 to %40 percent of your yearly income. The problem is that nobody pays income tax and everybody shows zero income on paper. There is no control. Only %2 of tax payers are controlled whether or not they are paying a fair tax.

Since the government doesnt like collecting tax from income they collect it in indirect ways. For instance oil prices are World's highest in Turkis because %70 of it is tax.

Mobile phone bills are incredibly high since more than half of it is tax. There is a commonication tax in for mobile phones and there is a vat of total costs. This means they are taxing taxes.

Luxury goods are taxed highly. All branded goods, sproting goods (nike, adidas etc.), fashion good, imported alcohol, imported cigarets, electronics (mp3 players, mobile phones) fall in this category.
Unfortunately because there is no income tax and there is only these indirect taxes, the poor gets poorer and the rich gets richer. There are more rich people in Turkia than you can imagine.

10.       vonnyz
176 posts
 25 Aug 2006 Fri 05:59 pm

Hi erdinc,

Thanks for sharing. I felt I learn something new again about Turkey. So on a scale of 100%, how would you rate the % of the poor, middle, high income people in Turkey. Ok maybe not Turkey, just focus in Istanbul?

11.       ekd
322 posts
 25 Aug 2006 Fri 06:06 pm

thanks for all the information! x

12.       erdinc
2151 posts
 25 Aug 2006 Fri 06:16 pm

This is a good question. It is also a popular discussion in Turkia. There are statistics on this issue. The main source is Devlet İstatistik Enstitüsü (The Official Institute of Statistics).

This is their offical website in English:
http://www.turkstat.gov.tr/

Here are latest figures:
http://www.die.gov.tr/english/SONIST/sonist.html

Here is "The Results of Income Distribution"
http://www.die.gov.tr/ENGLISH/SONIST/GELIR/gelir.html

Here is the latest statistics on this issue:
http://www.die.gov.tr/ENGLISH/SONIST/GELIR/k_270206.xls

They are deviding the total population to quintile (a fifth of total). The richest quintile gets %46 of national total income and the poorest gets %6.

In other words, when considering the total incomes in Turkia for a year, half of it goes to %22 of the population and the other half goes to %78.

13.       Elisa
0 posts
 25 Aug 2006 Fri 06:27 pm

Quoting erdinc:

I can tell you why this is so. In Turkia the government doesnt bother collecting tax from income. There is of course an income tax and it is very high. I think it is %30 to %40 percent of your yearly income. The problem is that nobody pays income tax and everybody shows zero income on paper. There is no control. Only %2 of tax payers are controlled whether or not they are paying a fair tax.

Since the government doesnt like collecting tax from income they collect it in indirect ways. For instance oil prices are World's highest in Turkis because %70 of it is tax.

Mobile phone bills are incredibly high since more than half of it is tax. There is a commonication tax in for mobile phones and there is a vat of total costs. This means they are taxing taxes.

Luxury goods are taxed highly. All branded goods, sproting goods (nike, adidas etc.), fashion good, imported alcohol, imported cigarets, electronics (mp3 players, mobile phones) fall in this category.
Unfortunately because there is no income tax and there is only these indirect taxes, the poor gets poorer and the rich gets richer. There are more rich people in Turkia than you can imagine.



Coincidentally I read an article about tax in Turkey in Time Out Istanbul magazine. This is what it says:

A taxing life

"For most people the taxman is somewhere up there with the Grim Reaper in terms of popularity, and escaping the swift sweep of the scythe seems to be a favourite Turkish passtime. According to figures released by the Finance Ministry a massive 6.2 billion YTL of tax is unpaid from last year. For every 100YTL collected in tax by the government, it is estimated that 110YTL goes unpaid."

Does make you think, doesn't it..

14.       vonnyz
176 posts
 25 Aug 2006 Fri 06:38 pm

erdinc Thanks again. Will check out the sites you mentioned.

Gosh, in my country when it comes to paying tax. No one dares to escape from it. You can get charged for not filing the income tax.

I have to call the authority and make sure the documents were sent to me so that I can fill it in. (thats the olden days, now we do e-filing. You are given a login ID and password, login, enter details and CLICK! There goes your form and of course deduction of the tax from your account) And I have to ensure that it was submitted on time.

15.       Elisa
0 posts
 25 Aug 2006 Fri 06:41 pm

Quoting vonnyz:


Gosh, in my country when it comes to paying tax. No one dares to escape from it. You can get charged for not filing the income tax.



Same here. We all fill in our tax forms, but if you would dare to put another amount, they would still know that it is wrong. Sometimes we wonder why we take the effort to fill it in, since they know everything already anyway..

16.       christine_usa
284 posts
 25 Aug 2006 Fri 06:42 pm

These links are very helpful, and I've pasted them into my Turkey folder bookmarks.

Throughout my visit, I was amazed at how well of many people seemed in many cities. I find it surprising that mortgages are not given by banks in turkey, and that people actually have to pay for a home or car with cash! I can't fathom how someone could come up with 100,000 USD- to buy a home, but it seems many do.

I was surprised also not to see any homeless people. In Phila, and many other cities poverty is very visible.

17.       Elisa
0 posts
 25 Aug 2006 Fri 06:51 pm

Quoting christine_usa:

These links are very helpful, and I've pasted them into my Turkey folder bookmarks.

Throughout my visit, I was amazed at how well of many people seemed in many cities. I find it surprising that mortgages are not given by banks in turkey, and that people actually have to pay for a home or car with cash! I can't fathom how someone could come up with 100,000 USD- to buy a home, but it seems many do.

I was surprised also not to see any homeless people. In Phila, and many other cities poverty is very visible.



I think it has never been common to take a mortgage to buy sth, since the interests are/were so high.

As for not seeing poverty, I think you should look twice.. I saw a lot of wealth in Istanbul, but loads of poverty too. Beggars, people sleeping in parks (and no, it wasn't just an afternoon nap) people who are rumbling through trash cans to see if they can find anything they can sell, the "eskici" passing every morning, collecting old pots all kinds of stuff that people want to get rid off. That guy was passing by 7 days a week, I can't imagine it is the job he has been dreaming of..

18.       erdinc
2151 posts
 25 Aug 2006 Fri 06:51 pm

Greetings,
I found new figures about income levels. The biggest worker's union Türk-iş makes researches on this issue for years. They have two income limits that they keep updated.

One is "açlık sınırı" (starvation limit) and the other is
"yoksulluk sınırı" (poverty limit) of income.

According their researches %18 of the population lives under starvation limit and %37 lives under the poverty limit.
The poverty limit is 1867 YTL per family.

If they don't start collecting income tax and if they don't start setting economical law sentences to economical crimes (this is rarely the case) then the poor will get poorer by these indirect taxes.

The only thing that is relatively cheap in Turkia is bread. When I buy bread in Turkia I sometimes see people buying five or more breads. They have nothing better to eat than bread.

Many local authorities in Turkia have founded bread factories. They have hundreds of small shops all over the city where they sell cheaper bread.

Here is one example. They are the biggest in İstanbul in this field.
"established by the İstanbul Great City Municipality"
http://www.ihe.com.tr/english/default.asp

Here is one from Ankara:
http://www.ankhalkekmek.com.tr/main.asp

The poor people don't understand anything from income levels or from income tax or from indirect taxes. The only thing they understand are the price of bread. If the price is good they will again vote for the same party.

19.       erdinc
2151 posts
 25 Aug 2006 Fri 06:54 pm

Quoting vonnyz:

You can get charged for not filing the income tax.



There is no economical punishment in Turkia for economical crimes which is a very big problem. 16 year boys who were starving took a few sweets from a shop and they were sentenced more than a bussinessman who bankrupted his own bank and made the government pay billions.

20.       Chantal
587 posts
 25 Aug 2006 Fri 08:23 pm

Quoting vonnyz:

Last December was my first time in Turkey. I was quite alarmed to find out that the things there were quite expensive.



Funny that you say that Because I was there 6 weeks ago, and I thought everything was so cheap! lol

I've spend way too much money in 2 weeks, because everything was so cheap! If you try to have dinner for 2 persons here in Holland, you pay at least 35 euros, in Turkey it wasn't more than 20 - 25YTL (in the most expensive looking restaurants..).

And about the tax.. I think that this is also the reason why there are so many fake electronics, the 'real' ones are way too expensive!
A friend of mine bought a very pretty looking mp3player, but when we were looking at the backside, there was a spelling mistake somewhere, which gave it away .

Oh well.. it's a good thing that Turkey wants to join the EU, because now they have to change a lot before they will be allowed to enter! Maybe the government will open their eyes

21.       ekd
322 posts
 25 Aug 2006 Fri 08:44 pm

Quoting Chantal:

Oh well.. it's a good thing that Turkey wants to join the EU, because now they have to change a lot before they will be allowed to enter! Maybe the government will open their eyes



yes but when they join the prices of meal, drinks etc will go up making it more expensive for tourists, like what has happened in greece and spain since the euro came in.

22.       Seticio
550 posts
 25 Aug 2006 Fri 09:16 pm

But interesting thing that I saw in Turkey is buying things by instalments, even shoes or T-shirts. I found it good, because in this way even not rich student can afford buying something. In Poland you can buy only expensive things, like cars or fridges by instalments. And only very well earning people can get a credit card in Poland.

23.       erdinc
2151 posts
 25 Aug 2006 Fri 10:04 pm

In Turkia getting a credit card is very easy but using a credit card can be very troublesome.

You almost need nothing. The banks are doing everthing to give you a credit card. They are giving away credit cards on a desk on pavements as pedestrians are passing by. I'm not kidding.

On the other hand using a credit card can be very troublesome in Turkia. The banks charge too much interest.

One way or another, following this trick or that trick at the end it is always the same story. They charge you %10 per month. I know people who spend lots of money every month just to pay the interest.

If you owe the bank 3000 YTL (and there are thousands of people who owe that much) then you pay 300 YTL interest every month. If you earn 1000 YTL a month thats a huge money and with the remaining money you can hardly live let alone paying your main debt.

Too many people have commited suicide just because credit card debts.

24.       SineNomine
81 posts
 25 Aug 2006 Fri 10:28 pm

10%! That is extortion! I can't believe they charge so much . So, even if you managed to pay off your 3000 YTL in a year, your total amount paid would be 6600 YTL?? The trouble is, many people still think of credit cards as a sign of status and wealth. I thought UK credit card companies were bad, but that is unbelievable!

25.       Seticio
550 posts
 25 Aug 2006 Fri 10:38 pm

We have very different countries for comparison, Erdinc. England is great country for living, but Poland isn't very different from Turkey...
You are right about credit cards, but someone who has 3000YTL debt jus didn't think at all while spending money...
On the other hand, in Poland I can't buy expencive shoes or dress unless I don't have enough cash.
Having credit card one has to be very careful. But Turkish seem not to think much when they buy things.
charges in Poland are also very similar.

26.       erdinc
2151 posts
 25 Aug 2006 Fri 11:21 pm

Quoting Seticio:

but someone who has 3000YTL debt jus didn't think at all while spending money...



You are right on this but it gets out of control without you even realising. With time you start ignoring your debts. You start pretending they don't exist or you can manage them.
I don't want to tell you how bad I did but it was very very bad. At the time, a few years ago there was no limit on number of credit cards you could get from different banks. I was worse than the people you describe as "who don't think at all".
I know many people who were in smillar situations.

27.       Deli_kizin
6376 posts
 25 Aug 2006 Fri 11:33 pm

I heard about those wages. I compared to one of my friends and if I would work fulltime in my un-educated waitress job, I'd earn almost twice as much in Holland, wehreas the friend had a job after studying!!

Seticio is really right about the comparison being made.

For Turkish standards, I come from a very rich family. And my dad is a teacher!! I can easily make 700YTL a month in Holland, in an uneducated job, if I'd work fulltime. But for Dutch standards, I'm just an average girl. I don't buy so many designer clothes, I don't go out every weekend, going to the cinema costs me around 18YTL and the popcorn is at least 8YTL. Holland is an expensive country and our fuel is in the same price-category as Turkey (this even reached a Turkish newspaper ).

But I wonder about the Turkish payment system. Kadir has many bankaccounts and a creditcard. I understood it had to do with interest. I have just one bankaccount and I know nothin about interest! So what's it about? It's not like you use a different bankaccount for a different shop, or is it??

28.       erdinc
2151 posts
 25 Aug 2006 Fri 11:42 pm

No, you don't need many bank accounts. It is just that the banking system is different in Turkia.

In the UK when I wanted to open a bank account and the bank has given me an appontment to next week and I should come with a few papers and I should see a certain person in a certain branch. I was in shock when I heard this.

In Turkia I would open a bank account in any bank the minute I walk in to any branch without any questions asked and by just showing my ID. In Turkia you can open a bank account in all major banks with a short time depending on your walking speed from a bank to another.

29.       cari
2 posts
 26 Aug 2006 Sat 12:31 am

Quoting erdinc:


In the UK when I wanted to open a bank account and the bank has given me an appontment to next week and I should come with a few papers and I should see a certain person in a certain branch. I was in shock when I heard this.



Being born and brought up in England.I could walking into a bank or several banks tomorrow in England and open a bank account within minutes if i had the correct ID such as a driving licence,passport or a birth certificate.
Maybe you had to go though this procedure erdinc because you had just come into the country.

30.       Elisa
0 posts
 26 Aug 2006 Sat 02:23 am

Quoting Seticio:

But interesting thing that I saw in Turkey is buying things by instalments, even shoes or T-shirts. I found it good, because in this way even not rich student can afford buying something. In Poland you can buy only expensive things, like cars or fridges by instalments. And only very well earning people can get a credit card in Poland.



I guess this is the "taksit" system you are talking about. When I was in Istanbul a couple of weeks ago, I saw "taksit" mentioned on practically every shop. If you are a wise person who knows how to budget, it's OK to make use of that. But I think that a lot of people spend a lot of money (before realizing it) on shoes, clothing, small furniture and stuff. And eventually those small "taksitler" pile up to a big amount of money..
Overhere in Belgium you can buy loads of things with monthly installments, but not shoes or clothes.
And almost every week I get a letter in my mailbox from companies that offer very tempting loans. If you want, they put like 5000 euros or more on your bank account the next day. They don't even want to know what you will be using it for, they just "give" it to you. But a lot of people don't realize that you pay HUGE interests on that loan, and they fall into the trap.. Some even get a second loan to pay off the first loan, and then there is no end..
Overhere there is a kind of blacklist with names of people who can't get a loan anymore because of the fact that they have too much debts. And that list is getting longer and longer..
Government should do something about this, because when money is involved, a lot of people lose their common sense. And yes, with suicide as a result in the worst case...

31.       Deli_kizin
6376 posts
 26 Aug 2006 Sat 02:51 pm

Elisa is right. And it indeed is called taksit. I saw it everywhere too in Izmir.

In Holland we only have it on expensive things like LCD Televisions, computer related things, refridgerators. Things you might suddenly need when they get broken, but are too expensive to buy just at once.

I wondered also this thing: In Holland you can have an 'abonne' on a phone-company: you pay them around 40YTL each month and for this money you get credits ánd a free phone. The newest models can be picked, but you have to be attached to the phonecompany with 40YTL for 1 or 2 years. Do they have this in Turkey too?

32.       Elisa
0 posts
 26 Aug 2006 Sat 02:58 pm

Quoting Deli_kizin:

I wondered also this thing: In Holland you can have an 'abonne' on a phone-company: you pay them around 40YTL each month and for this money you get credits ánd a free phone. The newest models can be picked, but you have to be attached to the phonecompany with 40YTL for 1 or 2 years. Do they have this in Turkey too?



It doesn't. I heard that Vodaphone was going to do a similar thing but until now, nothing..
It exists in England too I think. But not in Belgium

33.       Deli_kizin
6376 posts
 26 Aug 2006 Sat 03:01 pm

Quoting Elisa:


It doesn't. I heard that Vodaphone was going to do a similar thing but until now, nothing..
It exists in England too I think. But not in Belgium



Ohh ne yazık yaaa!!!

I hope Vodaphone will do soon, because my phone is becoming 'lazy' so I need a new one. And I want it to have a camera so that I can MMS my Dutchies every once in a while.

Btw Elisa, in Holland the companies will quit with it soon I heard. They advice you to do it now before it stops. I never did it because by the time it got really popular, I didn't have two years left ebfore I'd go to Turkey anymore

34.       aenigma x
0 posts
 26 Aug 2006 Sat 03:02 pm

Quoting Elisa:

Quoting Deli_kizin:

I wondered also this thing: In Holland you can have an 'abonne' on a phone-company: you pay them around 40YTL each month and for this money you get credits ánd a free phone. The newest models can be picked, but you have to be attached to the phonecompany with 40YTL for 1 or 2 years. Do they have this in Turkey too?



It doesn't. I heard that Vodaphone was going to do a similar thing but until now, nothing..
It exists in England too I think. But not in Belgium



I have this type of contract. I get free phone, sms and calls in the UK, but it doesn't include calls outside the UK so any international calls are charged extra, and at a higher rate than normal. My bill should be £40 per month, but it is generally about £100 per month!
My advice is check the small print!

35.       Deli_kizin
6376 posts
 26 Aug 2006 Sat 03:05 pm

Quoting aenigma x:



I have this type of contract. I get free phone, sms and calls in the UK, but it doesn't include calls outside the UK so any international calls are charged extra, and at a higher rate than normal. My bill should be £40 per month, but it is generally about £100 per month!



So high!! No wonder you work day and night

In Holland it's about 20-40 euros the contract, but it's limited: you get like..300 sms a month or 150 minutes to call. The rest gets indeed rated higher than usual.

(im not sure if i mixed it up, maybe its 150 sms and 300 minutes call )

36.       Elisa
0 posts
 26 Aug 2006 Sat 03:09 pm

My provider offers me a nice service though:
when you subscribe to the "Ay Yıldız" formula, you can phone to Turkish landlines for 0.15 euros per minute, cell phones is 0.35 euros per minute, and an sms to Turkey 0.15 euros. Great service, and it doesn't cost me anything extra. Reason for this service is that there is a very large Turkish community here, so that provider discovered a gap in the market there..

37.       Deli_kizin
6376 posts
 26 Aug 2006 Sat 03:12 pm

Quoting Elisa:

My provider offers me a nice service though:
when you subscribe to the "Ay Yıldız" formula, you can phone to Turkish landlines for 0.15 euros per minute, cell phones is 0.35 euros per minute, and an sms to Turkey 0.15 euros. Great service, and it doesn't cost me anything extra. Reason for this service is that there is a very large Turkish community here, so that provider discovered a gap in the market there..



Ohh great! Maybe Holland has it too! We have those numbers that you can call andthen you get a country code and then you can also call for cheap rates, but their starters rate to get that code is already about €1,25 and it doesn't always work. So sometimes you pay €3.75 just to get that code :-S

I'll try to find out if we have it too, would be great for my parents to have.

Is there such a thing for calls to Europe in Türkiye too?

38.       aenigma x
0 posts
 26 Aug 2006 Sat 03:13 pm

Quoting erdinc:

You are right on this but it gets out of control without you even realising. With time you start ignoring your debts. You start pretending they don't exist or you can manage them.
I don't want to tell you how bad I did but it was very very bad. At the time, a few years ago there was no limit on number of credit cards you could get from different banks. I was worse than the people you describe as "who don't think at all".
I know many people who were in smillar situations.



This is so sad. I know many people in the UK who are in this situation, and I confess I've been there too. I can't even begin to imagine what it's like with the extortionate interest rates they charge in Turkey. It is true that we get ourselves into this situation, but it is so easy and you realise you are sinking further and further into debt. I remember ignoring bills and not even opening the envelope. Too many people are committing suicide over debt and its so sad. To end a life because of money .

39.       Elisa
0 posts
 26 Aug 2006 Sat 03:15 pm

Quoting Deli_kizin:

We have those numbers that you can call andthen you get a country code and then you can also call for cheap rates, but their starters rate to get that code is already about €1,25 and it doesn't always work. So sometimes you pay €3.75 just to get that code :-S



I know those :-S Indeed, you don't pay too much for the actual international call, but before you get there you have to dial a number that charges a lot.. So in the end you are probably worse off..

40.       ekd
322 posts
 26 Aug 2006 Sat 05:20 pm

Quoting erdinc:


In the UK when I wanted to open a bank account and the bank has given me an appontment to next week and I should come with a few papers and I should see a certain person in a certain branch. I was in shock when I heard this.



erdinc, sometimes some branches of banks make appointments for things like opening accounts, mortgage advice, loan advice etc but other branches have advisors who can help you there and then. i have walked into one branch of my bank and asked about opening a student account (bearing in mind i already have a normal account with them) and was told i had to make an appointment for the following week but when i walked into a bigger branch of the same bank somewhere else on the same day, i was seen straight away!

41.       Kassie
102 posts
 26 Aug 2006 Sat 06:33 pm

If you are in the UK and have a phone with inclusive minutes you can use a company called Your Call (www.yourcallworld.com) to phone Turkey for free. The access number is a UK mobile number and then you dial the Turkish number. It works with Orange, T-mobile and Virgin to landlines and mobiles and O2 to landlines. I think vodafone charge. Also my Turkish friend has an English simcard in another phone. I can send free sms to him as part of my inclusive texts but he would be charged if I call him on it.

42.       Seticio
550 posts
 26 Aug 2006 Sat 09:03 pm

If talking about bank accounts: is it possible for a student like me, goint to Turkey for 5 months with a student visa, to open an USD or EURO account in a bank in Turkey? I need it to get money from Poland without wasting a part of it by changing from USD or EUR into YTL in a bank...

43.       Elisa
0 posts
 26 Aug 2006 Sat 09:17 pm

Quoting Seticio:

If talking about bank accounts: is it possible for a student like me, goint to Turkey for 5 months with a student visa, to open an USD or EURO account in a bank in Turkey? I need it to get money from Poland without wasting a part of it by changing from USD or EUR into YTL in a bank...



Do you have a bank account with a debit card in Poland? If so, wouldn't it be easier for you to just keep your money in that account, and use the bankamatik in Turkey with your Polish debit card?

44.       Seticio
550 posts
 26 Aug 2006 Sat 09:26 pm

Maybe easier, but the bank in Turkey will take a charge for every operation of taking out the money, and the USD or EUR courses in banks anre generally lower than in exchange offices. I won't have much money so every euro will be precious for me...

45.       Elisa
0 posts
 26 Aug 2006 Sat 09:34 pm

Quoting Seticio:

Maybe easier, but the bank in Turkey will take a charge for every operation of taking out the money, and the USD or EUR courses in banks anre generally lower than in exchange offices. I won't have much money so every euro will be precious for me...



I can't advise on this, but you definitely have to find out with your bank. When I used my debit card abroad, my bank charged money for conversions and stuff. Not too much, but you are right, every euro counts.
But it is so different for every country. Just go to your bank and ask them what would be the best thing for you.
And surely there must be Turkish people here who can advise you on this as well.

46.       Seticio
550 posts
 26 Aug 2006 Sat 09:38 pm

Quote:

And surely there must be Turkish people here who can advise you on this as well.


I hope there are.
Anyway, thank you for advice, Elisa

47.       Deli_kizin
6376 posts
 26 Aug 2006 Sat 09:49 pm

Well, in my case, keeping my Dutch bankaccount will be cheaper than opening a Turkish one: even if you have a Turkish bankaccount that accepts euros/dollars, your parents will have to pay for sending you the money anyway.

If you take out ALL your money at once in the bankomatik, it's cheaper then having your parents to pay for sending the money to your turkish bankaccount plús paying the exchange rates in an office or bank.

I don't know about Poland, but this is how it is for me. Ithink for each country it counts that you have to pay for sending money to an account in a different country.

48.       Elisa
0 posts
 26 Aug 2006 Sat 10:26 pm

Quoting Deli_kizin:


I don't know about Poland, but this is how it is for me. Ithink for each country it counts that you have to pay for sending money to an account in a different country.



Within the EU money transfers are free of charge for a while now. But outside the EU those transfers can be very expensive.

49.       Deli_kizin
6376 posts
 26 Aug 2006 Sat 10:30 pm

Quoting Elisa:

Quoting Deli_kizin:


I don't know about Poland, but this is how it is for me. Ithink for each country it counts that you have to pay for sending money to an account in a different country.



Within the EU money transfers are free of charge for a while now. But outside the EU those transfers can be very expensive.



Ohh, well the last time we sent it via a bank-account to Turkey, we had to pay. And it took long. Now we always use Western Union. but that's not a good idea for Seticio and me, as it's expensive and you can't have such amounts of money (we paid 40 euros to send kadir 750 euros) just to send money each month!

But I guess Turkey is not in the zone of EU transfers yet, right?

50.       Elisa
0 posts
 26 Aug 2006 Sat 10:42 pm

Quoting Deli_kizin:

But I guess Turkey is not in the zone of EU transfers yet, right?



No..

51.       ekd
322 posts
 26 Aug 2006 Sat 11:24 pm

you could use one of those american express travellers cheque card things? not sure if you're parents could top it up online or from poland? worth looking into!

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