{"id":9312,"date":"2025-10-19T17:25:00","date_gmt":"2025-10-19T14:25:00","guid":{"rendered":"https:\/\/unicount.eu\/estonya-e-resident-uyeleri-icin-en-iyi-bankacilik-rehberi\/"},"modified":"2024-08-22T14:33:57","modified_gmt":"2024-08-22T11:33:57","slug":"estonya-e-resident-uyeleri-icin-en-iyi-bankacilik-rehberi","status":"publish","type":"post","link":"https:\/\/unicount.eu\/tr\/estonya-e-resident-uyeleri-icin-en-iyi-bankacilik-rehberi\/","title":{"rendered":"Estonya e-resident \u00fcyeleri i\u00e7in en iyi bankac\u0131l\u0131k rehberi"},"content":{"rendered":"\n<p>Nomad Gate&#8217;deki arkada\u015flar\u0131m\u0131z, Estonya bankac\u0131l\u0131\u011f\u0131n\u0131n tarihine k\u0131sa bir genel bak\u0131\u015f\u0131n yan\u0131 s\u0131ra Estonya \u015firketiniz i\u00e7in \u00f6nerilen bankalar\u0131n ve fintech \u015firketlerinin bir listesini ve bu platformlarda hesap a\u00e7mak i\u00e7in gerekenleri i\u00e7eren bir makale yazd\u0131. <a href=\"e-Residency%20https:\/\/unicount.eu\/estonian-e-residency\/\">E-Residency<\/a> arac\u0131l\u0131\u011f\u0131yla Estonya&#8217;da bir <a href=\"https:\/\/unicount.eu\/tr\/estonyada-sirket-kurmak\/\">\u015firket kurma<\/a> dan \u00f6nce mutlaka okunmal\u0131d\u0131r.\n<!--more-->\n<\/p><h3>Estonya bankac\u0131l\u0131\u011f\u0131n\u0131n k\u0131sa bir tarihi<\/h3>\n<p>Estonya bankac\u0131l\u0131k tarihi, en basit tabirle f\u0131rt\u0131nal\u0131d\u0131r. 1991&#8217;de Estonya ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131n\u0131 yeniden kazand\u0131ktan sonra yeni a\u00e7\u0131lan bankalar\u0131n patlamas\u0131 ya\u015fand\u0131. Rekor zaman\u0131nda 1,5 milyon ki\u015fi ya\u015fayan \u00fclkede 40 banka vard\u0131. Bu d\u00f6nem, d\u00f6viz b\u00fcrolar\u0131 ve k\u00f6t\u00fc \u015f\u00f6hretli taraflar \u00fczerine yap\u0131lan spek\u00fclasyonlarla \u00f6zetlenebilir. Tahmin edebilece\u011finiz gibi, bir\u00e7o\u011funun \u00f6mr\u00fc uzun s\u00fcrmedi. \u0130lgin\u00e7 bir \u015fekilde, son derece masrafl\u0131 bir Estonya dizisi olan <a href=\"https:\/\/www.imdb.com\/title\/tt8943574\/?ref_=fn_al_tt_1\">\u201cThe Bank&#8221;<\/a> de bu d\u00f6nemlerde \u00e7ekilmi\u015ftir. \u0130flaslar ve birle\u015fmeler, Estonya bankac\u0131l\u0131k tarihinin ikinci b\u00f6l\u00fcm\u00fcn\u00fc olu\u015fturur. \u00d6rne\u011fin, Eesti \u00dchispank (Estonian Common Bank) bankas\u0131 k\u00fc\u00e7\u00fck on farkl\u0131 bankan\u0131n birle\u015fmesiyle kuruldu.<\/p>\n<!--more-->\n<p>B\u00fcy\u00fck \u0130skandinav bankalar\u0131, 2004 y\u0131l\u0131nda AB&#8217;ye kat\u0131ld\u0131ktan sonra kaotik Estonya bankac\u0131l\u0131\u011f\u0131na ilgi duymaya ba\u015flad\u0131. Swedish SEB ve Swedbank kademeli olarak Estonya&#8217;n\u0131n en pop\u00fcler bankalar\u0131 olan Eesti \u00dchispank ve Hansapank&#8217;\u0131 devrald\u0131. Hansapank&#8217;\u0131n kurucular\u0131ndan biri, iki meslekta\u015f\u0131yla birlikte 1999 y\u0131l\u0131nda LHV yat\u0131r\u0131m bankas\u0131n\u0131 kurdu. On y\u0131l sonra, bir bankac\u0131l\u0131k lisans\u0131 almay\u0131 ba\u015fard\u0131lar. \u0130skandinav bankalar\u0131 DNB ve Nordea, 2017 y\u0131l\u0131nda Balt\u0131k b\u00f6lgesi operasyonlar\u0131n\u0131 birle\u015ftirdi. Yeni banka Luminor, Estonya&#8217;n\u0131n \u00fc\u00e7\u00fcnc\u00fc b\u00fcy\u00fck bankas\u0131 oldu. K\u0131sa bir s\u00fcre sonra, 2019 y\u0131l\u0131nda, Amerikan \u00f6zel sermaye fonu \u015firketi Blackstone, Luminor&#8217;un %60&#8217;\u0131n\u0131 sat\u0131n ald\u0131.<\/p>\n<p>\u015eu anda ise Estonya&#8217;da dokuz lisansl\u0131 kredi kurumu bulunmaktad\u0131r:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.inbank.ee\/en\">AS Inbank<\/a> (EE)\u2014vadeli mevduatlar, t\u00fcketici kredileri, kiralama ve taksitle sat\u0131n alma. Bir uygulama arac\u0131l\u0131\u011f\u0131yla ki\u015fisel \u00f6demeler (\u015fu anda yaln\u0131zca Estonya telefon numaras\u0131yla kullan\u0131labilir).<\/li>\n<li><a href=\"https:\/\/www.lhv.ee\/en\/non-residents\">AS LHV Pank<\/a> (EE)\u2014Yat\u0131r\u0131m \u00fcr\u00fcnleri ve krediler dahil olmak \u00fczere bireysel, kurumsal ve \u00f6zel bankac\u0131l\u0131k.<\/li>\n<li><a href=\"https:\/\/www.seb.ee\/eng\/new-business-client\">AS SEB Pank<\/a> (SE)\u2014Yat\u0131r\u0131m \u00fcr\u00fcnleri ve krediler dahil olmak \u00fczere bireysel, kurumsal ve \u00f6zel bankac\u0131l\u0131k.<\/li>\n<li><a href=\"https:\/\/www.tbb.ee\/en\/\">AS TBB pank<\/a> (\u00f6nceki ad\u0131 Tallinna \u00c4ripank) (EE)\u2014Bireysel ve kurumsal bankac\u0131l\u0131k, krediler, de\u011ferli madenler.<\/li>\n<li><a href=\"https:\/\/www.bigbank.eu\/\">Bigbank AS<\/a> (EE)\u2014vadeli mevduatlar, bireysel ve ticari krediler.<\/li>\n<li><a href=\"https:\/\/www.cooppank.ee\/en\">Coop Pank AS<\/a> (EE)\u2014Bireysel ve kurumsal bankac\u0131l\u0131k, krediler.<\/li>\n<li><a href=\"https:\/\/www.holmbank.ee\/en\/\">Holm Bank AS<\/a> (EE)\u2014vadeli mevduatlar, t\u00fcketici kredileri ve taksitle sat\u0131n alma, k\u00fc\u00e7\u00fck i\u015fletme kredileri.<\/li>\n<li><a href=\"https:\/\/luminor.ee\/business\/become-customer\">Luminor Bank AS<\/a> (EE)\u2014Yat\u0131r\u0131m \u00fcr\u00fcnleri ve krediler dahil olmak \u00fczere bireysel, kurumsal ve \u00f6zel bankac\u0131l\u0131k.<\/li>\n<li><a href=\"https:\/\/www.swedbank.ee\/business\/d2d\/accounts\/open\">Swedbank AS<\/a> (SE)\u2014Yat\u0131r\u0131m \u00fcr\u00fcnleri ve krediler dahil olmak \u00fczere bireysel, kurumsal ve \u00f6zel bankac\u0131l\u0131k.<\/li>\n<\/ul>\n<p>Bankalar\u0131n \u00e7o\u011fu k\u00fc\u00e7\u00fckt\u00fcr (ad\u0131 Bigbank olan banka da dahil). Ger\u00e7ekten dikkate almaya de\u011fer sadece d\u00f6rt b\u00fcy\u00fck oyuncu var. Daha \u00f6nce bahsedilen iki \u0130sve\u00e7 \u201cdevi\u201d Swedbank ve SEB, Luminor ile modern Estonya bankas\u0131 LHV&#8217;yi birle\u015ftirdi.<\/p>\n<h2 id=\"bank-accounts-for-e-residents\">e-resident \u00fcyeler i\u00e7in banka hesaplar\u0131<\/h2>\n<p>E-Residency program\u0131 2014 y\u0131l\u0131nda uygulamaya kondu ve Estonya&#8217;da yerle\u015fik olmayanlar\u0131n \u00fclkenin dijital hizmetlerine (\u015firket olu\u015fumu, vergi raporlamas\u0131, bankac\u0131l\u0131k vb.) eri\u015fmesine izin vermektedir.<\/p>\n<p>Bir e-resident kuruculu, Estonya&#8217;da banka hesab\u0131 alabilen ba\u015fl\u0131ca iki t\u00fcr \u015firket vard\u0131r.<\/p>\n<p><strong>\u0130lk t\u00fcr<\/strong>, Estonya ile g\u00fc\u00e7l\u00fc bir ba\u011flant\u0131s\u0131 olan \u015firketlerdir. Bu, Estonya&#8217;da \u00e7al\u0131\u015fan personeller, i\u015f ortaklar\u0131 (maalesef muhasebeci firmalar say\u0131lmaz), tedarik\u00e7iler veya \u00fcretim olabilir.<\/p>\n<p><strong>\u0130kinci t\u00fcr<\/strong> ise kolayca izlenebilir geliri olan tipik tek ki\u015filik \u00e7evrimi\u00e7i i\u015fletmelerdir. Pazarlamac\u0131lar, blog yazarlar\u0131, ko\u00e7lar, influencerlar, m\u00fcteahhitler, seyahat eden yoga e\u011fitmenleri&#8230; Hepsi bu kategoride yer al\u0131r.<\/p>\n<p>Di\u011fer t\u00fcr \u015firketler, Estonya banka hesab\u0131na sahip olmay\u0131 \u00e7ok zor bulacakt\u0131r. Bankalar normalde tek bir \u00fclkede veya AB d\u0131\u015f\u0131nda faaliyet g\u00f6steren b\u00fcy\u00fck \u015firketleri ve i\u015fletmeleri reddeder. E-ticaret, imalat, toptan sat\u0131\u015f, arac\u0131l\u0131k hizmetleri gibi alanlar genellikle bankalara kabul edilmezler. \u0130\u015fletmeniz kripto para birimiyle u\u011fra\u015f\u0131yorsa, neredeyse hi\u00e7 \u015fans\u0131n\u0131z yok.<\/p>\n<p>Bankalar\u0131n ikinci t\u00fcr olan dijital giri\u015fimcilerle \u00e7al\u0131\u015fma iste\u011fi, 2017-2018 y\u0131llar\u0131nda <a href=\"https:\/\/en.wikipedia.org\/wiki\/Danske_Bank_money_laundering_scandal\">Danske Bank kara para aklama skandal\u0131<\/a>n\u0131n ortaya \u00e7\u0131kmas\u0131ndan sonra \u00f6nemli \u00f6l\u00e7\u00fcde d\u00fc\u015ft\u00fc. Estonya&#8217;n\u0131n itibar\u0131n\u0131 zedeleyen, 2007-2015 y\u0131llar\u0131 aras\u0131nda \u00fclkeden \u00e7ok miktarda \u015f\u00fcpheli i\u015flemin ge\u00e7ti\u011fi ortaya \u00e7\u0131kt\u0131. Buna yan\u0131t olarak, Estonya&#8217;da yerle\u015fik olmayanlarla ilgilenen bankalara \u00e7ok daha kat\u0131 KYC d\u00fczenlemeleri getirildi. Geli\u015fmi\u015f durum tespiti \u00f6nlemleri, bir\u00e7ok e-resident hesab\u0131n\u0131n sona erdirilmesiyle ve kalanlara uygulanan \u00fccretlerle sonu\u00e7land\u0131. Bu nedenle, yeni hesap a\u00e7mak da \u00e7ok daha zor hale geldi.<\/p>\n<h2>Estonya&#8217;daki en b\u00fcy\u00fck bankalar<\/h2>\n<p>G\u00fcn\u00fcm\u00fczde, Estonya&#8217;daki en b\u00fcy\u00fck \u00fc\u00e7 banka genellikle yaln\u0131zca Estonya ile g\u00fc\u00e7l\u00fc bir ba\u011flant\u0131s\u0131 olan i\u015fletmelerle veya \u015fahsen Estonya&#8217;da ikamet ediyorsan\u0131z e-resident kurucular\u0131 kabul eder.<\/p>\n<p>Bu \u00fc\u00e7 banka, Estonya&#8217;da yerle\u015fik olmayanlar i\u00e7in hesap a\u00e7ma \u00fccreti yerine durum tespiti s\u00fcreci \u00fccreti uygulam\u0131\u015ft\u0131r. Olumsuz bir yan\u0131t alman\u0131z durumunda iade yap\u0131lmaz. Maliyet SEB ve Swedbank&#8217;ta 300-750 Euro aras\u0131nda de\u011fi\u015fiyor ve Luminor&#8217;da 1000 Euro&#8217;dan ba\u015fl\u0131yor. Swedbank ve Luminor, sahipleri AB\/AEA s\u0131n\u0131rlar\u0131 i\u00e7indeyse Estonya \u015firketlerinden ayl\u0131k \u00fccret talep etmez. Ancak, bu konuda fikirlerini de\u011fi\u015ftirirlerse \u015fa\u015f\u0131rmam. AEA s\u0131n\u0131rlar\u0131 d\u0131\u015f\u0131nda veya tipik vergi cennetlerinde ikamet ediyorsan\u0131z, hesap a\u00e7ma ve ayl\u0131k \u00fccretler i\u00e7in y\u00fcksek mebla\u011flar \u00f6deyeceksiniz.<\/p>\n<p>Herhangi bir nedenle LHV&#8217;de bir hesap alam\u0131yorsan\u0131z ancak o zaman bu bankalarda bir hesap i\u00e7in ba\u015fvurman\u0131z\u0131 tavsiye ederiz. \u00dccretler genellikle daha y\u00fcksektir, i\u015flem s\u00fcreleri daha uzundur ve art\u0131k Estonya&#8217;da yerle\u015fik olmayanlara pek s\u0131cak bak\u0131lm\u0131yor.<\/p>\n<h3>LHV bank<\/h3>\n<p>LHV, e-Residency program\u0131n\u0131n lansman orta\u011f\u0131yd\u0131.<\/p>\n<p>Estonya&#8217;da yerle\u015fik olmayanlar\u0131n ve bir\u00e7ok yerlinin favorisi, sade, iyi ve modern bir bankac\u0131l\u0131k deneyimi sunuyor. LHV \u00fccretleri Estonya&#8217;daki en d\u00fc\u015f\u00fck \u00fccretlerdendir, m\u00fc\u015fteri hizmetleri en iyi se\u00e7ilir ve iyi \u00fcr\u00fcnler sunarlar. Her zaman i\u015fleri biraz farkl\u0131 yapmay\u0131 hedeflemi\u015ftir. Sebebi Estonyal\u0131 tasar\u0131mc\u0131 k\u0131yafetleri giyen m\u00fc\u015fteri hizmetleri ekibi, Noel&#8217;de zencefilli kurabiye da\u011f\u0131tmalar\u0131 veya \u00e7at\u0131ya ar\u0131 kovanlar\u0131 kurmalar\u0131 olabilir.<\/p>\n<p>LHV bankas\u0131n\u0131n ana kurucusu Rain L\u00f5hmus, Estonya bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn en renkli \u015fahs\u0131d\u0131r. Balt\u0131k&#8217;\u0131n en b\u00fcy\u00fck bankas\u0131 Hansapank&#8217;\u0131n ilk y\u0131llar\u0131nda kurucular\u0131 aras\u0131nda yer alm\u0131\u015ft\u0131r. 1999&#8217;da birka\u00e7 meslekta\u015f\u0131yla birlikte yat\u0131r\u0131m bankas\u0131 LHV&#8217;yi kurmaya karar verdi. Bankan\u0131n ad\u0131 asl\u0131nda L\u00f5hmus, Haavel ve Viisemann ba\u015f harflerinden geliyor. M\u00fc\u015fteri say\u0131s\u0131 ve sundu\u011fu \u00fcr\u00fcnlerdeki h\u0131zl\u0131 b\u00fcy\u00fcmenin ard\u0131ndan, \u015fimdi Estonya&#8217;n\u0131n d\u00f6rd\u00fcnc\u00fc en b\u00fcy\u00fck bankas\u0131 ve yerli bankalar aras\u0131nda ilk. 2016&#8217;dan beri Balt\u0131k borsas\u0131nda da i\u015flem g\u00f6r\u00fcyor ve hisse fiyat\u0131 \u015fu ana kadar %125 artt\u0131.<\/p>\n<p>Rain L\u00f5hmus, \u015firketin Noel galalar\u0131nda rap m\u00fczi\u011fi \u00e7almay\u0131 sever ve LHV&#8217;nin y\u00f6netimi, i\u015f kararlar\u0131 verirken ayn\u0131 derecede cesurdur. Fintech \u015firketlerine (Wise, Coinbase, Trustly, vb.) \u00f6deme altyap\u0131s\u0131 sunan ilk \u015firket onlard\u0131. Ayr\u0131ca dijital tan\u0131mlamaya \u00f6nc\u00fcl\u00fck ettiler ve skandall\u0131 Danske bankas\u0131ndan \u00f6zel krediler portf\u00f6y\u00fcn\u00fc sat\u0131n ald\u0131lar. LHV hakk\u0131nda \u201c<a href=\"https:\/\/www.rahvaraamat.ee\/p\/e-raamat-pangasaladus\/1374638\/et?isbn=9789949018260\">Pangasaladus<\/a>\u201d (<em>Banking Secret<\/em>) ad\u0131nda koca bir kitap var ama hadi hesap a\u00e7\u0131l\u0131\u015f\u0131na geri d\u00f6nelim.<\/p>\n<p>Daha \u00f6nce de belirtti\u011fim gibi Estonya ile ba\u011f\u0131n\u0131z olmadan da banka hesab\u0131 alabilirsiniz. Ancak yine de bu \u00fclkede neden bir hesaba ihtiyac\u0131n\u0131z oldu\u011funu belirtmeniz gerekiyor. \u0130yi bir sebep bulam\u0131yorsan\u0131z, Balt\u0131k borsas\u0131na yat\u0131r\u0131m yapmak istedi\u011finizi s\u00f6yleyebilirsiniz. \u015eimdiye kadar, ge\u00e7erli bir sebep olarak kabul edildi ve herkes bu sebebi kullanabilir.<\/p>\n<p>Belgeleri g\u00f6ndermeniz ve \u00e7evrimi\u00e7i ba\u015fvuru yapman\u0131z gerekti\u011fini unutmay\u0131n, direkt ofise gitmeyin. \u00d6nce onay alman\u0131z gerekiyor. Estonya&#8217;da yerle\u015fik olmayanlar i\u00e7in gerekli t\u00fcm ad\u0131mlar\u0131, belgeleri ve fiyatlar\u0131 i\u00e7eren <a href=\"https:\/\/www.lhv.ee\/en\/non-residents\">bir sayfa<\/a>var. Genellikle, bir karar\u0131n al\u0131nmas\u0131 yakla\u015f\u0131k iki hafta s\u00fcrer. Bundan sonra, banka ofisini ziyaret edebilirsiniz. Kimlik tespiti i\u00e7in yaln\u0131zca bir kez gelmeniz yeterlidir, daha sonra di\u011fer her \u015fey \u00e7evrimi\u00e7i olarak yap\u0131labilir. Ayr\u0131ca bir banka kart\u0131 istiyorsan\u0131z, ziyaretiniz s\u0131ras\u0131nda alabilmeniz i\u00e7in \u00f6n sipari\u015f verdi\u011finizden emin olun.<\/p>\n<p>Yine de tersini yapt\u0131ysan\u0131z ve \u00f6nce onay almadan Estonya&#8217;ya gittiyseniz, banka \u015fubesine gidip kimli\u011finizi belirlemelerini isteyebilirsiniz. Bundan sonra, \u00e7evrimi\u00e7i bir ba\u015fvuru g\u00f6nderebilir ve gerekli belgeleri e-posta ile g\u00f6nderebilirsiniz. Olumlu bir karar al\u0131nmas\u0131 durumunda e-resident kart\u0131n\u0131z ile s\u00f6zle\u015fmelerinizi dijital olarak imzalayabilirsiniz ve art\u0131k bankaya \u015fahsen gitmenize gerek kalmaz.<\/p>\n<p>Ba\u015far\u0131l\u0131 bir i\u015fletme hesab\u0131na sahip oldu\u011funuzda size g\u00fcm\u00fc\u015f tepside bireysel bir hesap sunulaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnmeyin. Estonya ile hi\u00e7bir ba\u011flant\u0131n\u0131z olmadan, bireysel bir hesap i\u00e7in de\u011ferlendirilmeden \u00f6nce en az alt\u0131 ay boyunca \u015firketinizin bu bankayla \u00e7al\u0131\u015fmas\u0131 gerekir. Muhtemelen buna olan ihtiyac\u0131 da a\u00e7\u0131klaman\u0131z gerekecek. \u0130yi olan \u015fu ki, Balt\u0131k hisse senetlerine \u00f6zel ki\u015fi olarak da yat\u0131r\u0131m yapabilirsiniz.<\/p>\n<br>\n<h4>\u00d6ne \u00c7\u0131kanlar<\/h4>\n<ul>\n<li>\u0130yi \u00e7evrimi\u00e7i bankac\u0131l\u0131k ve uygulamalar<\/li>\n<li>\u0130lk g\u00f6r\u00fc\u015fmeden sonra kesinlikle \u015fahsen gelmenize gerek yok<\/li>\n<li>Estonyal\u0131lar tamamen dijital olarak bireysel bir hesap a\u00e7abilir<\/li>\n<li>\u00dccretsiz SEPA transferleri<\/li>\n<li>Wise entegrasyonu (baz\u0131 para birimleri i\u00e7in)<\/li>\n<li>Nispeten makul fiyatl\u0131 yat\u0131r\u0131m se\u00e7enekleri ve en geni\u015f <a href=\"https:\/\/www.lhv.ee\/search\/shortname.cfm?l3=et&amp;submit=1&amp;type=12001\">hisse senedi<\/a>se\u00e7imi. Balt\u0131k pazarlar\u0131nda serbest ticaret.<\/li>\n<li>Daha k\u00fc\u00e7\u00fck miktarlarda ETF&#8217;lere otomatik yat\u0131r\u0131m yapmak i\u00e7in <a href=\"https:\/\/www.lhv.ee\/en\/growthaccount\">Growth Account<\/a>se\u00e7ene\u011fi. Ayr\u0131ca LHV banka kart\u0131n\u0131z\u0131 buna ba\u011flayabilirsiniz, b\u00f6ylece her \u00f6demede bir miktar sent Growth Account&#8217;a gidecektir.<\/li>\n<li>Daha aktif t\u00fcccarlar i\u00e7in LHV Trader (Interactive Brokers platformunu kullan\u0131r)<\/li>\n<li>W-8BEN sayesinde, ABD temett\u00fclerinde %30 yerine %15 vergi oran\u0131<\/li>\n<li>API (muhasebe vb. ile entegrasyon i\u00e7in). LHV + Xolo kullan\u0131yorsan\u0131z, vergi \u00f6demelerinizi her ay haz\u0131rlayacaklard\u0131r, bu nedenle her ay biraz zaman kazand\u0131ran LHV uygulamas\u0131nda bunlar\u0131 onaylaman\u0131z yeterlidir.<\/li>\n<li><a href=\"https:\/\/every-pay.com\/\">EveryPay<\/a>arac\u0131l\u0131\u011f\u0131yla d\u00fc\u015f\u00fck maliyetli kredi kart\u0131 i\u015fleme<\/li>\n<li>Apple \u00f6deme, Google \u00f6deme, Garmin \u00f6deme, Fitbit \u00f6deme<\/li>\n<\/ul>\n<br>\n<h4>Dikkat edilmesi gerekenler<\/h4>\n<ul>\n<li>Estonya&#8217;da yerle\u015fik olmayanlar i\u00e7in hesap a\u00e7ma ve ayl\u0131k \u00fccretler. Estonya, Norve\u00e7 ve AB&#8217;de (K\u0131br\u0131s, L\u00fcksemburg, Malta hari\u00e7) kay\u0131tl\u0131 \u015firketler i\u00e7in a\u00e7\u0131l\u0131\u015f i\u00e7in 200 Euro ve ayl\u0131k 20 Euro \u00fccret \u00f6deyin. Di\u011ferleri i\u00e7in 500 Euro ve 50 Euro \u015feklinde \u00fccretlendirilir.<\/li>\n<li>Uluslararas\u0131 banka kart\u0131 \u00fccretleri (baz\u0131 d\u00f6viz kuru art\u0131\u015flar\u0131, ATM \u00fccretleri)<\/li>\n<li>Yabanc\u0131 \u00fclkelere banka kart\u0131 g\u00f6ndermiyorlar. Kart\u0131n\u0131z\u0131 kaybederseniz veya s\u00fcresi dolarsa, Estonya&#8217;daki bir arkada\u015f\u0131n\u0131za (varsa) veya muhasebecinize g\u00f6nderilmesini sa\u011flayabilirsiniz ve onlar da kart\u0131n\u0131z\u0131 size iletebilirler.<\/li>\n<li>Nakitsiz ofisler. Para yat\u0131rma ve \u00e7ekme i\u015flemleri sadece ATM&#8217;lerden yap\u0131labilmektedir.<\/li>\n<li>USD cinsinden transfer g\u00f6nderme ve alma yaln\u0131zca Estonya&#8217;da ikamet edenler i\u00e7in eri\u015filebilirdir (hem \u00f6zel ki\u015filer hem de Estonya&#8217;da kay\u0131tl\u0131 \u015firketler)<\/li>\n<\/ul>\n<br>\n<h2 id=\"fintech-alternatives\">Fintech alternatifleri<\/h2>\n<p>\u0130yi haber \u015fu ki, 2019&#8217;un ba\u015f\u0131ndan itibaren, Estonya \u015firketinizin sermayesini \u00f6demek i\u00e7in art\u0131k bir Estonya banka hesab\u0131na ihtiyac\u0131n\u0131z yok. Bu, bir e-resident olarak, orada bir banka hesab\u0131 a\u00e7mak i\u00e7in Estonya&#8217;ya seyahat etmek istemiyorsan\u0131z, AB\/AEA&#8217;daki herhangi bir bankay\u0131 veya dijital bankay\u0131 kullanabilece\u011finiz anlam\u0131na gelir. Estonya&#8217;da ikamet edenler i\u00e7in \u00f6zellikle iki uluslararas\u0131 i\u015fletme hesab\u0131 uygundur: Wise ve Paysera.<\/p>\n<h3>Wise<\/h3>\n<p>\u0130lk tavsiyemiz, ba\u015fka bir Estonya \u015firketi olan <a href=\"https:\/\/wise.prf.hn\/l\/7YELZAg%20\">Wise<\/a> olacakt\u0131r. \u0130lk zamanlarda, kurucular fikirlerine fon sa\u011flamak i\u00e7in LHV&#8217;den Rain L\u00f5hmus&#8217;a bile gittiler. L\u00f5hmus, kurucular\u0131 sevdi ama bankac\u0131l\u0131\u011f\u0131n nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131 hakk\u0131nda hi\u00e7bir fikirleri olmad\u0131\u011f\u0131na karar verdi, bu y\u00fczden yat\u0131r\u0131m yapmad\u0131. Yine de Londra&#8217;daki ba\u011flant\u0131lar\u0131 ve 2016&#8217;da LHV ve Wise ortakl\u0131\u011f\u0131na d\u00f6n\u00fc\u015fen dostluk ile onlara yard\u0131m etti.<\/p>\n<p>Size \u00e7e\u015fitli para birimlerinde yerel banka bilgilerini, bir ticari banka kart\u0131n\u0131 ve \u00e7ok ucuz uluslararas\u0131 transferleri (kendinize veya uluslararas\u0131 serbest \u00e7al\u0131\u015fanlara \u00f6deme yapmak i\u00e7in m\u00fckemmeldir) sa\u011flayacaklard\u0131r. Ayr\u0131ca, hesab\u0131n\u0131z\u0131 hem a\u00e7mak hem de s\u00fcrd\u00fcrmek \u00fccretsizdir!<\/p>\n<p>Hesab\u0131n\u0131zda 50&#8217;den fazla farkl\u0131 para birimi tutabilir ve bunlar\u0131 c\u00fczi bir \u00fccret kar\u015f\u0131l\u0131\u011f\u0131nda piyasa ortalamas\u0131 bir kurdan \u00e7evirebilirsiniz. Ayr\u0131ca t\u00fcm bu para birimlerinde kartvizitiniz ile ekstra \u00fccret \u00f6demeden \u00f6deme yapabilirsiniz.<\/p>\n<p>Amazon, Paypal ve Stripe&#8217;den \u015fu para birimlerinde \u00fccretsiz olarak \u00f6deme alabilirsiniz: EUR, USD, GBP, AUD ve NZD. Bu farkl\u0131 para birimleri i\u00e7in banka ayr\u0131nt\u0131lar\u0131n\u0131 ayarlamak i\u00e7in bir kerelik \u00fccret \u00f6demeniz gerekir. (Not: Normal ACH transferleri tamamen \u00fccretsizken, ABD transferleri 7,50 Dolar \u00fccrete tabidir.)<\/p>\n<p>Euro B\u00f6lgesi&#8217;nin negatif faiz oranlar\u0131 nedeniyle (bu, bankalar\u0131n ECB&#8217;de Euro tutmak i\u00e7in para \u00f6demesi gerekti\u011fi anlam\u0131na gelir), Wise, i\u015fletme hesab\u0131n\u0131zdaki 70.000 Euro&#8217;nun \u00fczerindeki bakiyelere %0,4&#8217;l\u00fck bir negatif faiz oran\u0131 uygulayacakt\u0131r. Di\u011fer para birimlerini tutmak \u00fccretsizdir.<\/p>\n<br>\n<h4>\u00d6ne \u00c7\u0131kanlar<\/h4>\n<ul>\n<li>Estonya \u015firketiniz i\u00e7in sermaye \u00f6demesi i\u00e7in uygundur<\/li>\n<li>\u00dccretsiz hesap a\u00e7ma<\/li>\n<li>Sekiz farkl\u0131 para birimi i\u00e7in banka bilgileri sunar: Euro b\u00f6lgesinde <img decoding=\"async\" class=\"emoji\" title=\"eu\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1ea-1f1fa.svg\" alt=\"\ud83c\uddea\ud83c\uddfa\" width=\"20\" height=\"20\"> (Almanya <img decoding=\"async\" class=\"emoji\" title=\"de\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1e9-1f1ea.svg\" alt=\"\ud83c\udde9\ud83c\uddea\" width=\"20\" height=\"20\">\/Bel\u00e7ika <img decoding=\"async\" class=\"emoji\" title=\"bel\u00e7ika\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1e7-1f1ea.svg\" alt=\"\ud83c\udde7\ud83c\uddea\" width=\"20\" height=\"20\">), Macaristan <img decoding=\"async\" class=\"emoji\" title=\"macaristan\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1ed-1f1fa.svg\" alt=\"\ud83c\udded\ud83c\uddfa\" width=\"20\" height=\"20\">, Romanya <img decoding=\"async\" class=\"emoji\" title=\"romanya\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1f7-1f1f4.svg\" alt=\"\ud83c\uddf7\ud83c\uddf4\" width=\"20\" height=\"20\">, Birle\u015fik Krall\u0131k <img decoding=\"async\" class=\"emoji\" title=\"gb\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1ec-1f1e7.svg\" alt=\"\ud83c\uddec\ud83c\udde7\" width=\"20\" height=\"20\">, ABD <img decoding=\"async\" class=\"emoji\" title=\"abd\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1fa-1f1f8.svg\" alt=\"\ud83c\uddfa\ud83c\uddf8\" width=\"20\" height=\"20\">, Avustralya <img decoding=\"async\" class=\"emoji\" title=\"avustralya\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1e6-1f1fa.svg\" alt=\"\ud83c\udde6\ud83c\uddfa\" width=\"20\" height=\"20\">, Yeni Zelanda <img decoding=\"async\" class=\"emoji\" title=\"new_zealand\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1f3-1f1ff.svg\" alt=\"\ud83c\uddf3\ud83c\uddff\" width=\"20\" height=\"20\">, ve Singapur <img decoding=\"async\" class=\"emoji\" title=\"singapur\" src=\"https:\/\/twemoji.maxcdn.com\/v\/latest\/svg\/1f1f8-1f1ec.svg\" alt=\"\ud83c\uddf8\ud83c\uddec\" width=\"20\" height=\"20\">.<\/li>\n<li>Wise hesaplar\u0131 aras\u0131nda \u00fccretsiz transferler, \u00e7ok ucuz uluslararas\u0131 transferler<\/li>\n<li>50&#8217;den fazla para birimini destekler<\/li>\n<li>Para birimi d\u00f6n\u00fc\u015ft\u00fcrme ve giden transferler i\u00e7in ortalama piyasa oran\u0131. Kart\u0131n\u0131zla \u00f6deme yapt\u0131\u011f\u0131n\u0131zda, sahip oldu\u011funuz para birimleri i\u00e7in herhangi bir kar marj\u0131 olmaz<\/li>\n<li>Amazon, Paypal ve Stripe&#8217;den baz\u0131 para birimlerinde \u00fccretsiz \u00f6demeler<\/li>\n<li>Nakit \u00e7ekimler ayda 200 Pound&#8217;a kadar \u00fccretsizdir<\/li>\n<\/ul>\n<br>\n<h4>Dikkat edilmesi gerekenler<\/h4>\n<ul>\n<li>Di\u011fer bankalara SEPA transferleri \u00fccretsiz de\u011fildir.<\/li>\n<li>USD banka havalesi alma \u00fccreti<\/li>\n<li>B\u00fcy\u00fck miktarda EUR tutma \u00fccreti<\/li>\n<li>10.000 Pound\/g\u00fcn ve 30,000 Pound\/ay olan \u00e7evrimi\u00e7i kart harcama limiti baz\u0131 kullan\u0131c\u0131lar i\u00e7in k\u0131s\u0131tlay\u0131c\u0131 olabilir<\/li>\n<\/ul>\n<br>\n<h3>Paysera<\/h3>\n<p>Bir ba\u015fka iyi se\u00e7enek de i\u015f i\u00e7in \u00e7oklu para birimi hesaplar\u0131 sunan <a href=\"https:\/\/www.paysera.com\/\">Paysera<\/a>&#8216;d\u0131r. \u0130\u015fletmeniz SEPA b\u00f6lgesinde kay\u0131tl\u0131ysa a\u00e7mak \u00fccretsizdir (bu nedenle Estonya \u015firketleri i\u00e7in \u00fccretsizdir). Ancak Paysera ile \u00f6nce bireysel bir hesab\u0131n\u0131z\u0131n olmas\u0131 gerekir. Makul derecede iyi d\u00f6viz kurlar\u0131 vard\u0131r ama orta piyasa kurunu alam\u0131yorsunuz. SEPA transferleri pahal\u0131 olmamakla birlikte yabanc\u0131 transferlerin en ucuzu Paysera&#8217;da de\u011fildir. Bir \u00fccret kar\u015f\u0131l\u0131\u011f\u0131nda bir VISA banka kart\u0131 sunarlar ve bu kart yaln\u0131zca AB\/AEA \u00fclkelerine teslim edilebilir.<\/p>\n<br>\n<h4>\u00d6ne \u00c7\u0131kanlar<\/h4>\n<ul>\n<li>Estonya \u015firketiniz i\u00e7in sermaye \u00f6demesi i\u00e7in uygundur<\/li>\n<li>SEPA b\u00f6lgesinde kay\u0131tl\u0131 i\u015fletmeler i\u00e7in a\u00e7\u0131lmas\u0131 kolay, \u00fccretsiz<\/li>\n<li>Transferler, \u00e7o\u011fu Paysera kullan\u0131c\u0131s\u0131 aras\u0131nda \u00fccretsiz ve an\u0131nda ger\u00e7ekle\u015fir (uluslararas\u0131 \u015firketler ve \u00f6deme hizmeti sa\u011flay\u0131c\u0131lar\u0131 hari\u00e7)<\/li>\n<li>30 farkl\u0131 para birimini destekler<\/li>\n<li>Muhasebe programlar\u0131 ile entegrasyon<\/li>\n<\/ul>\n<br>\n<h4>Dikkat edilmesi gerekenler<\/h4>\n<ul>\n<li>SEPA ve an\u0131nda SEPA transferlerinin maliyeti 0,20 Euro<\/li>\n<li>Uluslararas\u0131 transferlerin en ucuzu de\u011fil<\/li>\n<li>\u00c7o\u011fu ana para birimi i\u00e7in yakla\u015f\u0131k %1-3 d\u00f6viz kuru marj\u0131<\/li>\n<li>Banka kartlar\u0131 yaln\u0131zca AEA \u00fclkelerine teslim edilir<\/li>\n<li>Kart\u0131n \u00e7\u0131kar\u0131lmas\u0131 5 Euro, EUR ve di\u011fer para birimlerinde para \u00e7ekme \u00fccretleri ve kartla \u00f6deme (EUR d\u0131\u015f\u0131nda)<\/li>\n<\/ul>\n<br>\nNomad Gate&#8217;den Hanna Linnasm\u00e4e&#8217;nin <a href=\"https:\/\/nomadgate.com\/banking-estonian-e-residents\/\">orijinal makalesi<\/a>.\n","protected":false},"excerpt":{"rendered":"<p>Nomad Gate&#8217;deki arkada\u015flar\u0131m\u0131z, Estonya bankac\u0131l\u0131\u011f\u0131n\u0131n tarihine k\u0131sa bir genel bak\u0131\u015f\u0131n yan\u0131 s\u0131ra Estonya \u015firketiniz i\u00e7in \u00f6nerilen bankalar\u0131n ve fintech \u015firketlerinin bir listesini ve bu platformlarda hesap a\u00e7mak i\u00e7in gerekenleri i\u00e7eren bir makale yazd\u0131. E-Residency arac\u0131l\u0131\u011f\u0131yla Estonya&#8217;da bir \u015firket kurma dan \u00f6nce mutlaka okunmal\u0131d\u0131r.<\/p>\n","protected":false},"author":7,"featured_media":16914,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[105],"tags":[65,74],"class_list":["post-9312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-tr","tag-english","tag-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Estonya e-resident \u00fcyeleri i\u00e7in en iyi bankac\u0131l\u0131k rehberi | Unicount<\/title>\n<meta name=\"description\" content=\"Nomad Gate&#039;deki arkada\u015flar\u0131m\u0131z, size Estonya bankac\u0131l\u0131\u011f\u0131n\u0131n tarihi hakk\u0131nda k\u0131sa bir bilgi ve sizin i\u00e7in 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