Money, Cards, ATMs, Tipping & Tax-Free VAT Refunds in Türkiye

Last reviewed: October 25, 2026 · Prices in Turkish Lira (₺ TRY) and Euros (€ EUR) are approximate and for orientation only.

Key Takeaways

• Use Ziraat Bankası, VakıfBank, or Halkbank (state-owned banks) to avoid hefty private-ATM surcharges, and always decline 'Continue with Conversion'.
• Tip 5–10% at sit-down restaurants and meyhanes if service is not already included on the bill; round up ₺20–₺50 for taxis.
• Look for 'Tax Free' decals on clothing, carpet, jewelry, and leather purchases over ₺1,000+VAT to claim your refund at IST, SAW, AYT, or ADB airport customs.

Best No-Fee ATMs & Avoiding Dynamic Currency Conversion

Avoid standalone yellow/blue Euronet ATMs in tourist zones, which charge up to 10–13% in combined fees and exchange rate markups. Instead, use bank-branch ATMs operated by Ziraat Bankası, Halkbank, or VakıfBank. When the screen asks 'Would you like to be debited in your home currency (USD/EUR/GBP) or TRY?', always select Without Conversion / Charge in TRY (₺).

Tipping Etiquette Across Türkiye

• Casual Lokantas & Street Food: No tip expected (small change in tip box appreciated).
• Sit-Down Restaurants & Meyhanes: 5–10% in cash (check if a 10% kuver / servis ücreti is already itemized).
• Turkish Hammam Attendants (Tellak/Natır): 10–15% of the treatment price handed directly to your attendant.
• Hot Air Balloon Crew & Tour Guides: ₺300–₺600 (€8–€15) per person for guides; ₺150–₺300 for drivers.