{"id":7107,"date":"2026-07-29T12:08:46","date_gmt":"2026-07-29T12:08:46","guid":{"rendered":"https:\/\/defihukuk.com\/?p=7107"},"modified":"2026-07-29T12:08:46","modified_gmt":"2026-07-29T12:08:46","slug":"supheli-islem-bildirimi-bankanin-sorumlulugu","status":"publish","type":"post","link":"https:\/\/defihukuk.com\/en\/supheli-islem-bildirimi-bankanin-sorumlulugu\/","title":{"rendered":"\u015e\u00fcpheli \u0130\u015flem Bildirimi ve Bankan\u0131n Sorumlulu\u011fu: Emsal Karar 2026"},"content":{"rendered":"<style>.dfh-wrap{width:100%!important;max-width:100%!important;box-sizing:border-box;font-family:inherit!important;color:#000;line-height:1.8;font-size:1.05rem}.dfh-wrap *{font-family:inherit;box-sizing:border-box}.dfh-wrap h1,.dfh-wrap h2,.dfh-wrap h3,.dfh-wrap h4{color:#000;font-family:inherit!important;line-height:1.3;margin:28px 0 14px}.dfh-wrap h2{font-size:1.5rem;border-bottom:2px solid #000;padding-bottom:8px}.dfh-wrap h3{font-size:1.2rem}.dfh-wrap p{margin:0 0 1.1rem;font-family:inherit!important}.dfh-wrap a{color:#000;text-decoration:underline;font-weight:600}.dfh-wrap ul,.dfh-wrap ol{margin:0 0 1.1rem;padding-left:22px}.dfh-wrap li{margin:6px 0}.dfh-ozet{width:100%!important;background:#f5f5f5;border-left:5px solid #000;padding:20px 22px;margin:0 0 26px;border-radius:4px}.dfh-ozet-baslik{display:block;margin-bottom:8px;font-size:.9rem;letter-spacing:.3px;text-transform:uppercase;font-weight:700}.dfh-toc{width:100%!important;background:#fafafa;border:1px solid #000;padding:20px 24px;margin:0 0 30px;border-radius:4px}.dfh-toc .toc_widget,.dfh-toc #ez-toc-container,.dfh-toc .lwptoc,.dfh-toc .wp-block-heading{display:none!important}.dfh-toc h2{border:none;margin:0 0 12px;font-size:1.35rem;padding:0}.dfh-toc ol{margin:0;padding-left:22px}.dfh-toc li{margin:7px 0}.dfh-toc a{text-decoration:none}.dfh-toc a:hover{text-decoration:underline}.dfh-table{width:100%!important;border-collapse:collapse;margin:20px 0;font-size:.97rem}.dfh-table th,.dfh-table td{border:1px solid #000;padding:11px 13px;text-align:left;vertical-align:top}.dfh-table th{background:#000;color:#fff;font-weight:700}.dfh-table tr:nth-child(even) td{background:#f7f7f7}.dfh-case{width:100%!important;border:1px solid #000;border-radius:4px;padding:20px 22px;margin:22px 0;background:#fff}.dfh-case h3{margin-top:0}.dfh-case .dfh-meta{font-size:.9rem;background:#f0f0f0;padding:10px 14px;border-radius:4px;margin-bottom:14px}.dfh-note{width:100%!important;background:#f5f5f5;border:1px dashed #000;padding:16px 20px;margin:20px 0;border-radius:4px}.dfh-faq{width:100%!important;margin:14px 0}.dfh-faq details{border:1px solid #000;border-radius:4px;padding:14px 18px;margin-bottom:12px}.dfh-faq summary{font-weight:700;cursor:pointer;font-size:1.05rem}.dfh-faq details p{margin:12px 0 0}.dfh-bio{width:100%!important;background:#000;color:#fff;padding:26px 28px;border-radius:6px;margin:34px 0 10px}.dfh-bio h3{color:#fff;margin:0 0 6px;font-size:1.4rem}.dfh-bio p{color:#fff;margin:0 0 12px;font-size:.95rem}.dfh-bio a{color:#fff}.dfh-bio .dfh-cred{font-size:.85rem;line-height:1.9;border-top:1px solid #fff;padding-top:14px;margin-top:6px}.dfh-bio .dfh-cred span{display:block}.dfh-cta{width:100%!important;border:2px solid #000;padding:20px 24px;border-radius:6px;margin:24px 0;text-align:center}.dfh-cta strong{font-size:1.1rem;display:block;margin-bottom:6px}.dfh-time{width:100%!important;margin:20px 0;padding-left:0;list-style:none}.dfh-time li{border-left:3px solid #000;padding:4px 0 14px 18px;position:relative;margin:0}.dfh-time li strong{display:block}@media(max-width:600px){.dfh-wrap{font-size:1rem}.dfh-wrap h2{font-size:1.3rem}.dfh-table{font-size:.85rem}.dfh-table th,.dfh-table td{padding:8px}}<\/style>\n<div class=\"dfh-wrap\">\n<div class=\"dfh-ozet ai-ozet speakable\">\n<p>Bankalar, g\u00fcven kurumu olmalar\u0131 nedeniyle <strong>objektif \u00f6zen borcu<\/strong> alt\u0131ndad\u0131r ve <strong>hafif kusurlar\u0131ndan dahi sorumludur<\/strong>. Ancak bu a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f sorumluluk, Yarg\u0131tay ve derece mahkemesi uygulamas\u0131nda kural olarak <strong>bankan\u0131n kendi mudilerine<\/strong> y\u00f6neliktir. Paras\u0131 sahte bir hesaba y\u00f6nlendirilen ancak o bankan\u0131n m\u00fc\u015fterisi olmayan zarar g\u00f6ren bak\u0131m\u0131ndan sorumluluk s\u00f6zle\u015fmeye de\u011fil, <strong>haks\u0131z fiile<\/strong> dayan\u0131r ve \u00e7ok daha dar bir alanda do\u011far.<\/p>\n<p>\u0130stanbul Anadolu 4. Asliye Ticaret Mahkemesi (E.2016\/24, K.2023\/130, T.16.02.2023), sahte e-posta ile hesap bilgisi de\u011fi\u015ftirilerek yakla\u015f\u0131k <strong>7,2 milyon TL<\/strong> de\u011ferinde tutar\u0131n sahte bir \u015firket hesab\u0131na y\u00f6nlendirildi\u011fi dosyada bankay\u0131 <strong>s\u0131n\u0131rl\u0131 bi\u00e7imde<\/strong> sorumlu tutmu\u015ftur. Gerek\u00e7e nettir: bankan\u0131n geni\u015f \u00f6zen sorumlulu\u011fu mudisine kar\u015f\u0131d\u0131r; davac\u0131 mudi de\u011fildir. Buna kar\u015f\u0131l\u0131k banka, g\u00f6nderen banka taraf\u0131ndan <strong>paran\u0131n iadesi talebi iletildikten sonra<\/strong> yapt\u0131\u011f\u0131 \u00f6deme bak\u0131m\u0131ndan \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc ihlal etmi\u015ftir ve yaln\u0131zca bu tutardan sorumludur. \u015e\u00fcpheli i\u015flem bildirimi ise 5549 say\u0131l\u0131 Kanun m.4 ve Tedbirler Y\u00f6netmeli\u011fi m.27-28 uyar\u0131nca <strong>tutar g\u00f6zetilmeksizin, \u015f\u00fcphenin olu\u015ftu\u011fundan itibaren en ge\u00e7 10 i\u015f g\u00fcn\u00fc i\u00e7inde<\/strong> MASAK&#8217;a yap\u0131lmak zorundad\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-toc\">\n<h2>Bu Yaz\u0131m\u0131zda Neler Bulacaks\u0131n\u0131z<\/h2>\n<ol>\n<li><a href=\"#dfh-nedir\">Banka \u015e\u00fcpheli \u0130\u015flem Bildirimi Nedir?<\/a><\/li>\n<li><a href=\"#dfh-kim\">\u015e\u00fcpheli \u0130\u015flem Bildiriminden Kim Sorumludur?<\/a><\/li>\n<li><a href=\"#dfh-neolur\">\u015e\u00fcpheli \u0130\u015flem Bildiriminde Ne Olur? S\u00fcre\u00e7 Ad\u0131m Ad\u0131m<\/a><\/li>\n<li><a href=\"#dfh-bilgiguvenlik\">Bankalarda Bilgi G\u00fcvenli\u011finden Kim Sorumludur?<\/a><\/li>\n<li><a href=\"#dfh-emsal\">Emsal Karar: Sahte E-posta ile 7,2 Milyon TL&#8217;lik Y\u00f6nlendirme<\/a><\/li>\n<li><a href=\"#dfh-sinir\">Karar\u0131n \u00c7izdi\u011fi S\u0131n\u0131r: Mudi ve Mudi Olmayan Ayr\u0131m\u0131<\/a><\/li>\n<li><a href=\"#dfh-an\">Sorumlulu\u011fun Do\u011fdu\u011fu An: \u0130ade Talebinden Sonraki \u00d6deme<\/a><\/li>\n<li><a href=\"#dfh-kararlar\">Bankan\u0131n \u00d6zen Borcuna \u0130li\u015fkin Yedi Emsal Karar<\/a><\/li>\n<li><a href=\"#dfh-emare\">\u015e\u00fcphe Emareleri Katalo\u011fu: Dosyada Nelere Bak\u0131l\u0131r?<\/a><\/li>\n<li><a href=\"#dfh-yaptirim\">Bildirim Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc \u0130hlalin \u0130dari ve Adli Yapt\u0131r\u0131mlar\u0131<\/a><\/li>\n<li><a href=\"#dfh-baskasi\">Ba\u015fkas\u0131 Hesab\u0131na \u0130\u015flem Yap\u0131ld\u0131\u011f\u0131n\u0131n Beyan Edilmemesi Su\u00e7u<\/a><\/li>\n<li><a href=\"#dfh-strateji\">Mudi Olmayan Zarar G\u00f6renin Dava Stratejisi<\/a><\/li>\n<li><a href=\"#dfh-muterafik\">M\u00fcterafik Kusur: Basiretli Tacir Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ve Zarar G\u00f6renin Pay\u0131<\/a><\/li>\n<li><a href=\"#dfh-kripto\">Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131lar\u0131 da Y\u00fck\u00fcml\u00fc m\u00fc?<\/a><\/li>\n<li><a href=\"#dfh-hatalar\">Dosyalarda En S\u0131k Yap\u0131lan Sekiz Hata<\/a><\/li>\n<li><a href=\"#dfh-sss\">S\u0131k\u00e7a Sorulan Sorular<\/a><\/li>\n<\/ol>\n<\/div>\n<h2 id=\"dfh-nedir\">Banka \u015e\u00fcpheli \u0130\u015flem Bildirimi Nedir?<\/h2>\n<p>\u015e\u00fcpheli i\u015flem bildirimi, k\u0131saca \u015e\u0130B, bir bankan\u0131n veya di\u011fer y\u00fck\u00fcml\u00fclerin nezdinde ya da arac\u0131l\u0131\u011f\u0131yla yap\u0131lan veya yap\u0131lmaya te\u015febb\u00fcs edilen bir i\u015fleme konu malvarl\u0131\u011f\u0131n\u0131n yasa d\u0131\u015f\u0131 yollardan elde edildi\u011fine veya yasa d\u0131\u015f\u0131 ama\u00e7larla kullan\u0131ld\u0131\u011f\u0131na dair bilgi, \u015f\u00fcphe ya da \u015f\u00fcpheyi gerektirecek bir husus bulunmas\u0131 h\u00e2linde <a href=\"https:\/\/masak.hmb.gov.tr\/\" target=\"_blank\" rel=\"dofollow noopener\">MASAK<\/a> Ba\u015fkanl\u0131\u011f\u0131na yap\u0131lan resm\u00ee bildirimdir. Dayana\u011f\u0131 5549 say\u0131l\u0131 Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi Hakk\u0131nda Kanun&#8217;un 4. maddesi ile Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n ve Ter\u00f6r\u00fcn Finansman\u0131n\u0131n \u00d6nlenmesine Dair Tedbirler Hakk\u0131nda Y\u00f6netmelik&#8217;in 27 ve 28. maddeleridir.<\/p>\n<p>Uygulamada en \u00e7ok kar\u0131\u015ft\u0131r\u0131lan \u00fc\u00e7 noktay\u0131 ba\u015ftan netle\u015ftirelim:<\/p>\n<ul>\n<li><strong>Parasal s\u0131n\u0131r yoktur.<\/strong> \u015e\u00fcpheli i\u015flemler herhangi bir tutar g\u00f6zetilmeksizin bildirilir. &#8220;Tutar d\u00fc\u015f\u00fckt\u00fc, bildirim gerekmezdi&#8221; savunmas\u0131 mevzuata ayk\u0131r\u0131d\u0131r.<\/li>\n<li><strong>\u015e\u00fcphe yeterlidir, kesinlik aranmaz.<\/strong> Y\u00fck\u00fcml\u00fcn\u00fcn su\u00e7un i\u015flendi\u011fini ispat etmesi beklenmez; \u015f\u00fcpheyi gerektirecek bir hususun bulunmas\u0131 bildirim y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc do\u011furur.<\/li>\n<li><strong>Tek i\u015flem \u015fart de\u011fildir.<\/strong> \u015e\u00fcphe veya \u015f\u00fcpheyi gerektiren makul sebebin bulunup bulunmad\u0131\u011f\u0131, gerekti\u011finde birden \u00e7ok i\u015flem bir arada ele al\u0131narak de\u011ferlendirilir. Tek ba\u015f\u0131na ola\u011fan g\u00f6r\u00fcnen \u00fc\u00e7 transfer, birlikte bak\u0131ld\u0131\u011f\u0131nda \u015f\u00fcpheli olabilir ve bunlar i\u00e7in tek bir bildirim formu d\u00fczenlenir.<\/li>\n<\/ul>\n<p><strong>S\u00fcre:<\/strong> \u015e\u00fcpheli i\u015flemler, i\u015fleme ili\u015fkin \u015f\u00fcphenin olu\u015ftu\u011fu tarihten itibaren en ge\u00e7 <strong>on i\u015f g\u00fcn\u00fc<\/strong> i\u00e7inde, gecikmesinde sak\u0131nca bulunan h\u00e2llerde ise <strong>derh\u00e2l<\/strong> Ba\u015fkanl\u0131\u011fa bildirilir. Bildirimde bulunulan i\u015flemle ilgili sonradan yeni bilgi ve bulgular elde edilirse, \u00f6nceki bildirime ek oldu\u011fu belirtilerek gecikmeksizin yeni form g\u00f6nderilir.<\/p>\n<h2 id=\"dfh-kim\">\u015e\u00fcpheli \u0130\u015flem Bildiriminden Kim Sorumludur?<\/h2>\n<p>Bu sorunun cevab\u0131 iki katmanl\u0131d\u0131r ve her iki katman da hukuki sonu\u00e7 do\u011furur.<\/p>\n<p><strong>Birinci katman, kurumsal sorumluluktur.<\/strong> Bildirim y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc, 5549 say\u0131l\u0131 Kanun&#8217;un 2. maddesinde tan\u0131mlanan <strong>y\u00fck\u00fcml\u00fclere<\/strong> aittir. Bankalar bu tan\u0131m\u0131n merkezindedir; ayr\u0131ca kat\u0131l\u0131m bankalar\u0131, finansal kiralama \u015firketleri, sigorta ve reas\u00fcrans \u015firketleri, emeklilik \u015firketleri, sermaye piyasas\u0131 kurumlar\u0131, yetkili m\u00fcesseseler, \u00f6deme ve elektronik para kurulu\u015flar\u0131 ile y\u00f6netmelikle belirlenen di\u011fer kurulu\u015flar da y\u00fck\u00fcml\u00fc s\u0131fat\u0131n\u0131 ta\u015f\u0131r.<\/p>\n<p><strong>\u0130kinci katman, bildirimi fiilen yapacak ki\u015fidir.<\/strong> Tedbirler Y\u00f6netmeli\u011fi uyar\u0131nca \u015f\u00fcpheli i\u015flem bildirimi; ger\u00e7ek ki\u015fi y\u00fck\u00fcml\u00fcn\u00fcn bizzat kendisi, t\u00fczel ki\u015fi y\u00fck\u00fcml\u00fcn\u00fcn kanuni temsilcileri, t\u00fczel ki\u015fili\u011fi bulunmayanlar\u0131n y\u00f6neticileri veya bunlar taraf\u0131ndan yetkili k\u0131l\u0131nanlar, <strong>uyum g\u00f6revlisi atanm\u0131\u015f y\u00fck\u00fcml\u00fclerde ise uyum g\u00f6revlisi<\/strong> taraf\u0131ndan yerine getirilir. Bankalarda uyum g\u00f6revlisi atamas\u0131 zorunlu oldu\u011fundan, pratikte bildirim uyum birimi \u00fczerinden yap\u0131l\u0131r.<\/p>\n<div class=\"dfh-note\">\n<p><strong>\u015eubedeki personelin rol\u00fc nedir?<\/strong> \u015eube \u00e7al\u0131\u015fan\u0131 do\u011frudan MASAK&#8217;a bildirim yapmaz; ancak \u015f\u00fcpheyi tespit edip i\u00e7 kanallar \u00fczerinden uyum birimine iletmekle y\u00fck\u00fcml\u00fcd\u00fcr. Bu zincirin kopmas\u0131, kurumun y\u00fck\u00fcml\u00fcl\u00fck ihlaline yol a\u00e7ar ve tazminat davalar\u0131nda kusur de\u011ferlendirmesinin merkezine yerle\u015fir. A\u015fa\u011f\u0131da inceleyece\u011fimiz emsal kararda da mahkeme, bankan\u0131n kurumsal sorumlulu\u011funu \u015fube personelinin somut davran\u0131\u015flar\u0131 \u00fczerinden de\u011ferlendirmi\u015ftir.<\/p>\n<\/div>\n<h2 id=\"dfh-neolur\">\u015e\u00fcpheli \u0130\u015flem Bildiriminde Ne Olur? S\u00fcre\u00e7 Ad\u0131m Ad\u0131m<\/h2>\n<p>Bildirimin ard\u0131ndan i\u015fleyen s\u00fcre\u00e7, hem y\u00fck\u00fcml\u00fc hem de zarar g\u00f6ren bak\u0131m\u0131ndan kritik sonu\u00e7lar do\u011furur.<\/p>\n<ul class=\"dfh-time\">\n<li><strong>Ara\u015ft\u0131rma ve form.<\/strong> Y\u00fck\u00fcml\u00fc, \u015f\u00fcpheli i\u015flemle kar\u015f\u0131la\u015ft\u0131\u011f\u0131nda yetki ve imk\u00e2nlar\u0131 \u00f6l\u00e7\u00fcs\u00fcnde ara\u015ft\u0131rma yapar, edindi\u011fi bilgi ve bulgular \u00e7er\u00e7evesinde \u015e\u00fcpheli \u0130\u015flem Bildirim Formunu doldurur. Bildirimler zorunlu h\u00e2ller d\u0131\u015f\u0131nda elektronik ortamda g\u00f6nderilir.<\/li>\n<li><strong>Gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc.<\/strong> 5549 say\u0131l\u0131 Kanun m.4\/2 uyar\u0131nca y\u00fck\u00fcml\u00fcler, bildirimde bulunuldu\u011funu; y\u00fck\u00fcml\u00fcl\u00fck denetimiyle g\u00f6revli denetim elemanlar\u0131 ile yarg\u0131lama s\u0131ras\u0131nda mahkemeler d\u0131\u015f\u0131nda, <strong>i\u015fleme taraf olanlar d\u00e2hil hi\u00e7 kimseye a\u00e7\u0131klayamaz<\/strong>. M\u00fc\u015fteriyi uyarmak ba\u015fl\u0131 ba\u015f\u0131na su\u00e7 olu\u015fturur.<\/li>\n<li><strong>\u0130\u015flemin ertelenmesi.<\/strong> 5549 say\u0131l\u0131 Kanun&#8217;un 19\/A maddesi uyar\u0131nca, aklama veya ter\u00f6r\u00fcn finansman\u0131 su\u00e7uyla ili\u015fkili oldu\u011funa dair \u015f\u00fcphe bulunan i\u015flemi <strong>yedi i\u015f g\u00fcn\u00fc<\/strong> s\u00fcreyle ask\u0131ya almaya veya ger\u00e7ekle\u015fmesine izin vermemeye Bakan yetkilidir. Bu karara ayk\u0131r\u0131 davranan y\u00fck\u00fcml\u00fcye i\u015flem tutar\u0131 kadar, ancak elli bin T\u00fcrk liras\u0131ndan az olmamak \u00fczere idari para cezas\u0131 verilir.<\/li>\n<li><strong>Analiz ve intikal.<\/strong> Ba\u015fkanl\u0131k bildirimi analiz eder; aklama veya ter\u00f6r\u00fcn finansman\u0131 \u015f\u00fcphesi kuvvetlendi\u011finde dosya Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na intikal ettirilir.<\/li>\n<\/ul>\n<div class=\"dfh-note\">\n<p><strong>Erteleme yetkisi ile adli el koyma kar\u0131\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/strong> 19\/A kapsam\u0131ndaki ask\u0131ya alma <strong>s\u00fcreli bir idari tedbirdir<\/strong>; s\u00fcresi i\u00e7inde adli makamlarca el koyma karar\u0131 al\u0131nmazsa kendili\u011finden kalkar ve fon yeniden hareket eder. Kal\u0131c\u0131 koruma yaln\u0131zca Ceza Muhakemesi Kanunu kapsam\u0131ndaki adli el koyma karar\u0131yla sa\u011flan\u0131r. Zarar g\u00f6ren vekili olarak dosyaya girdi\u011fimizde en \u00e7ok kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z hak kayb\u0131, idari blokenin adli el koymaya d\u00f6n\u00fc\u015ft\u00fcr\u00fclmemesidir.<\/p>\n<\/div>\n<figure id=\"attachment_7109\" aria-describedby=\"caption-attachment-7109\" style=\"width: 1920px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-7109\" src=\"https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur.jpg\" alt=\"Bankalarda Bilgi G\u00fcvenli\u011finden Kim Sorumludur?\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur.jpg 1920w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur-300x169.jpg 300w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur-1024x576.jpg 1024w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur-768x432.jpg 768w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur-1536x864.jpg 1536w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/bankalarda-bilgi-guvenliginden-kim-sorumludur-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption id=\"caption-attachment-7109\" class=\"wp-caption-text\">Bankalarda Bilgi G\u00fcvenli\u011finden Kim Sorumludur?<\/figcaption><\/figure>\n<h2 id=\"dfh-bilgiguvenlik\">Bankalarda Bilgi G\u00fcvenli\u011finden Kim Sorumludur?<\/h2>\n<p>Bilgi g\u00fcvenli\u011fi, \u015f\u00fcpheli i\u015flem bildiriminden ayr\u0131 ancak onunla i\u00e7 i\u00e7e ge\u00e7mi\u015f bir sorumluluk alan\u0131d\u0131r ve tazminat davalar\u0131nda s\u0131kl\u0131kla birlikte tart\u0131\u015f\u0131l\u0131r. Sorumluluk \u00fc\u00e7 d\u00fczeyde da\u011f\u0131l\u0131r.<\/p>\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>D\u00fczey<\/th>\n<th>Sorumlu<\/th>\n<th>Kapsam<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Kurumsal<\/td>\n<td>Bankan\u0131n t\u00fczel ki\u015fili\u011fi ve y\u00f6netim kurulu<\/td>\n<td>Bilgi sistemleri y\u00f6netimi, i\u00e7 kontrol, risk y\u00f6netimi ve uyum sistemlerinin kurulmas\u0131 ile etkin i\u015fletilmesi<\/td>\n<\/tr>\n<tr>\n<td>Operasyonel<\/td>\n<td>Bilgi sistemleri ve uyum birimleri, uyum g\u00f6revlisi<\/td>\n<td>\u0130\u015flem izleme, anomali tespiti, \u015f\u00fcpheli i\u015flem de\u011ferlendirme s\u00fcre\u00e7lerinin y\u00fcr\u00fct\u00fclmesi, personel e\u011fitimi<\/td>\n<\/tr>\n<tr>\n<td>Bireysel<\/td>\n<td>\u015eube ve operasyon personeli<\/td>\n<td>Kimlik tespiti, ger\u00e7ek faydalan\u0131c\u0131n\u0131n ortaya \u00e7\u0131kar\u0131lmas\u0131, \u015f\u00fcphenin i\u00e7 kanala iletilmesi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Hukuki sorumluluk bak\u0131m\u0131ndan belirleyici olan husus \u015fudur: bankan\u0131n sorumlulu\u011fu, tek tek personelin kusuruna indirgenemez. 5549 say\u0131l\u0131 Kanun y\u00fck\u00fcml\u00fclere <strong>personelini e\u011fitme ve vas\u0131fl\u0131 personel \u00e7al\u0131\u015ft\u0131rma<\/strong> y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc de getirir. Bu nedenle bir tazminat davas\u0131nda &#8220;ilgili personel gerekli \u00f6zeni g\u00f6stermedi&#8221; savunmas\u0131 bankay\u0131 sorumluluktan kurtarmaz; aksine, e\u011fitim ve i\u00e7 kontrol sisteminin yetersizli\u011fine i\u015faret ederek kurumsal kusuru g\u00fc\u00e7lendirir.<\/p>\n<h2 id=\"dfh-emsal\">Emsal Karar: Sahte E-posta ile 7,2 Milyon TL&#8217;lik Y\u00f6nlendirme<\/h2>\n<p>Konunun b\u00fct\u00fcn katmanlar\u0131n\u0131 tek dosyada g\u00f6steren en \u00f6\u011fretici karar, \u0130stanbul Anadolu 4. Asliye Ticaret Mahkemesinin 16.02.2023 tarihli karar\u0131d\u0131r. Dosya, uluslararas\u0131 literat\u00fcrde tedarik\u00e7i e-postas\u0131n\u0131n ele ge\u00e7irilmesi yoluyla i\u015flenen doland\u0131r\u0131c\u0131l\u0131k olarak bilinen senaryonun T\u00fcrk mahkemesi \u00f6n\u00fcndeki kar\u015f\u0131l\u0131\u011f\u0131d\u0131r.<\/p>\n<div class=\"dfh-case speakable\">\n<h3>Sahte Hesap Bildirimi ile Y\u00f6nlendirilen \u00d6deme \u2014 Bankan\u0131n S\u0131n\u0131rl\u0131 Sorumlulu\u011fu<\/h3>\n<div class=\"dfh-meta\"><strong>Mahkeme:<\/strong> \u0130stanbul Anadolu 4. Asliye Ticaret Mahkemesi | <strong>Esas\/Karar:<\/strong> 2016\/24 E. \u2014 2023\/130 K. | <strong>Tarih:<\/strong> 16.02.2023 | <strong>Dava:<\/strong> Haks\u0131z fiilden kaynaklanan tazminat<\/div>\n<p><strong>Olay:<\/strong> Yurt d\u0131\u015f\u0131nda faaliyet g\u00f6steren davac\u0131 \u015firket, tedarik\u00e7isine muhasebe sistemindeki tan\u0131ml\u0131 hesap bilgilerine g\u00f6re \u00f6deme yapmaktad\u0131r. Kendisini tedarik\u00e7inin muhasebe yetkilisi olarak tan\u0131tan bir ki\u015fi telefonla irtibata ge\u00e7mi\u015f, hesap bilgilerinin de\u011fi\u015fti\u011fini bildirmi\u015f ve <strong>sahte imzal\u0131 belgeyi sahte bir e-posta adresi \u00fczerinden<\/strong> davac\u0131n\u0131n muhasebe b\u00f6l\u00fcm\u00fcne iletmi\u015ftir. Davac\u0131, hesap de\u011fi\u015fikli\u011fini <strong>tek bir elektronik posta ile<\/strong> ger\u00e7ekle\u015ftirmi\u015ftir. Ard\u0131ndan iki fatura \u00f6demesi, aralar\u0131nda yakla\u015f\u0131k bir ay bulunacak \u015fekilde yeni hesaba havale edilmi\u015ftir.<\/p>\n<p><strong>Bankadaki s\u00fcre\u00e7:<\/strong> Para, k\u0131sa s\u00fcre \u00f6nce kurulmu\u015f ve ger\u00e7ekte faaliyet g\u00f6stermeyen bir \u015firketin hesab\u0131na gelmi\u015ftir. Banka paran\u0131n mahiyetini sormu\u015f, \u00f6nce &#8220;arsa al\u0131m\u0131 ama\u00e7l\u0131 yat\u0131r\u0131m&#8221; cevab\u0131 al\u0131nm\u0131\u015f; i\u015flemin sermaye mi, kredi mi, serbest transfer mi oldu\u011fu soruldu\u011funda &#8220;kredi&#8221; denilmi\u015ftir. Banka <strong>kredi s\u00f6zle\u015fmesi ibraz\u0131<\/strong> istemi\u015f, buna kar\u015f\u0131l\u0131k sahte bir kredi s\u00f6zle\u015fmesi ve terc\u00fcmesi sunulmu\u015ftur. Banka damga vergisinin \u00f6denmesini ve belgelendirilmesini istemi\u015f; paran\u0131n par\u00e7a par\u00e7a gelece\u011fi bildirilince <strong>her transfer i\u00e7in ayr\u0131 kredi s\u00f6zle\u015fmesi bulunmas\u0131 gerekti\u011fini belirterek y\u00f6nlendirmede bulunmu\u015ftur<\/strong>. Bunun \u00fczerine ikinci ve \u00fc\u00e7\u00fcnc\u00fc sahte kredi s\u00f6zle\u015fmeleri d\u00fczenlenip ibraz edilmi\u015f, tutarlar hesaba ge\u00e7irilmi\u015f ve farkl\u0131 \u015fubelerden par\u00e7a par\u00e7a nakit olarak \u00e7ekilmi\u015ftir.<\/p>\n<p><strong>Bildirim yap\u0131lmam\u0131\u015ft\u0131r:<\/strong> Savc\u0131l\u0131k m\u00fczekkeresine verilen cevapta, banka taraf\u0131ndan bu i\u015flemler silsilesine ili\u015fkin <strong>hi\u00e7bir \u015f\u00fcpheli i\u015flem bildirimi yap\u0131lmad\u0131\u011f\u0131<\/strong> tespit edilmi\u015ftir.<\/p>\n<p><strong>Bankan\u0131n savunmas\u0131:<\/strong> Davac\u0131 m\u00fc\u015fterisi de\u011fildir, aralar\u0131nda s\u00f6zle\u015fme ili\u015fkisi yoktur. Para davac\u0131n\u0131n kendi hesab\u0131ndan, kendi iradesiyle ve kendi muhasebe kay\u0131tlar\u0131na uygun olarak \u00e7\u0131km\u0131\u015ft\u0131r. Hesap bilgisinin tek bir e-posta ile de\u011fi\u015ftirilebilmesine olanak sa\u011flayan taraf davac\u0131d\u0131r. \u0130ki \u00f6deme aras\u0131nda bir ay ge\u00e7mesine ra\u011fmen davac\u0131 sessiz kalm\u0131\u015ft\u0131r. MASAK inceleme raporunda banka hakk\u0131nda su\u00e7 te\u015fkil eden bir tespit yoktur.<\/p>\n<p><strong>Bilirki\u015fi raporu:<\/strong> Davac\u0131n\u0131n kendi \u00f6deme sisteminin g\u00fcvenli\u011fini sa\u011flayamad\u0131\u011f\u0131, <strong>a\u011f\u0131r kusuru ve ihmali<\/strong> bulundu\u011fu; buna kar\u015f\u0131l\u0131k daval\u0131 bankan\u0131n da \u00fcstlendi\u011fi i\u015fi titizlikle yerine getirmedi\u011fi, bir g\u00fcven kurumu olarak <strong>objektif \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getiremedi\u011fi ve hafif kusurundan dahi sorumlu oldu\u011fu<\/strong>; banka en az\u0131ndan paray\u0131 g\u00f6nderen yabanc\u0131 bankadan paran\u0131n kredi oldu\u011funu teyit etmesini isteseydi zarar\u0131n \u00f6nlenebilece\u011fi belirtilmi\u015ftir. Kusur oranlar\u0131n\u0131n takdiri mahkemeye b\u0131rak\u0131lm\u0131\u015ft\u0131r.<\/p>\n<p><strong>Mahkemenin gerek\u00e7esi:<\/strong> &#8220;Bankalar\u0131n g\u00fcven kurumu olmalar\u0131 ve \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131 davranamayacaklar\u0131, birer itimat kurumu olan bankalar\u0131n ald\u0131klar\u0131 mevduatlar\u0131 sahtecilere kar\u015f\u0131 \u00f6zenle korumak zorunda olduklar\u0131, bu konuda objektif \u00f6zen bor\u00e7lar\u0131n\u0131n bulundu\u011fu ve bu nedenle hafif kusurlar\u0131ndan dahi sorumlu olduklar\u0131 do\u011frudur <strong>ancak bu kadar geni\u015f sorumluluk ancak kendi mudilerine kar\u015f\u0131d\u0131r<\/strong>. Davac\u0131 taraf, daval\u0131 bankan\u0131n mudisi de\u011fildir.&#8221; Mahkeme ayr\u0131ca, paran\u0131n iadesi talebi iletildikten <strong>sonra<\/strong> banka taraf\u0131ndan \u00f6deme yap\u0131lmas\u0131n\u0131n \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131 oldu\u011funu belirlemi\u015f ve bankay\u0131 <strong>yaln\u0131zca bu tutarla s\u0131n\u0131rl\u0131 olmak \u00fczere<\/strong> di\u011fer daval\u0131larla birlikte sorumlu tutmu\u015ftur.<\/p>\n<p><strong>H\u00fck\u00fcm:<\/strong> Davan\u0131n k\u0131smen kabul\u00fc. Ger\u00e7ek ki\u015fi daval\u0131lar m\u00fc\u015ftereken ve m\u00fcteselsilen sorumlu tutulmu\u015f; banka s\u0131n\u0131rl\u0131 sorumlu k\u0131l\u0131nm\u0131\u015ft\u0131r.<\/p>\n<\/div>\n<h3>Rakamlar Ne S\u00f6yl\u00fcyor?<\/h3>\n<p>Karar\u0131n h\u00fck\u00fcm f\u0131kras\u0131ndaki har\u00e7 ve vek\u00e2let \u00fccreti kalemleri, sonucun a\u011f\u0131rl\u0131\u011f\u0131n\u0131 say\u0131sal olarak da ortaya koyuyor. Al\u0131nmas\u0131 gerekli nispi karar ve ilam harc\u0131 492.599,66 TL, dava a\u00e7\u0131l\u0131rken yat\u0131r\u0131lan pe\u015fin har\u00e7 ise 123.149,92 TL olarak belirtilmi\u015ftir. Pe\u015fin harc\u0131n nispi harc\u0131n tam d\u00f6rtte biri olmas\u0131, hesab\u0131n binde 68,31 oran\u0131 \u00fczerinden yap\u0131ld\u0131\u011f\u0131n\u0131 do\u011frular; buradan uyu\u015fmazl\u0131k de\u011ferinin <strong>yakla\u015f\u0131k 7,21 milyon TL<\/strong> d\u00fczeyinde oldu\u011fu anla\u015f\u0131l\u0131r.<\/p>\n<p>As\u0131l \u00e7arp\u0131c\u0131 olan ise vek\u00e2let \u00fccretleridir. Davac\u0131 lehine <strong>310.112,38 TL<\/strong>, daval\u0131 banka lehine ise <strong>309.702,43 TL<\/strong> vek\u00e2let \u00fccretine h\u00fckmedilmi\u015ftir. Aradaki fark yaln\u0131zca 409,95 TL&#8217;dir. Yani banka, davac\u0131n\u0131n kendisinden ald\u0131\u011f\u0131 tutara neredeyse e\u015fit bir vek\u00e2let \u00fccretini davac\u0131dan tahsil etmi\u015ftir. Bu tablo, bankan\u0131n davay\u0131 esas itibar\u0131yla kazand\u0131\u011f\u0131n\u0131 ve sorumlulu\u011funun dosyan\u0131n \u00e7ok k\u00fc\u00e7\u00fck bir dilimiyle s\u0131n\u0131rl\u0131 kald\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/p>\n<h2 id=\"dfh-sinir\">Karar\u0131n \u00c7izdi\u011fi S\u0131n\u0131r: Mudi ve Mudi Olmayan Ayr\u0131m\u0131<\/h2>\n<p>Bu karar, uygulamada \u00e7ok\u00e7a tekrarlanan &#8220;banka g\u00fcven kurumudur, hafif kusurundan dahi sorumludur&#8221; c\u00fcmlesinin s\u0131n\u0131r\u0131n\u0131 \u00e7izmesi bak\u0131m\u0131ndan de\u011ferlidir. C\u00fcmle do\u011frudur, ancak eksik aktar\u0131ld\u0131\u011f\u0131nda yan\u0131lt\u0131c\u0131d\u0131r.<\/p>\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>\u00d6l\u00e7\u00fct<\/th>\n<th>Zarar g\u00f6ren bankan\u0131n mudisi ise<\/th>\n<th>Zarar g\u00f6ren mudi de\u011filse<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Sorumlulu\u011fun kayna\u011f\u0131<\/td>\n<td>Mevduat s\u00f6zle\u015fmesi; usuls\u00fcz tevdi h\u00fck\u00fcmleri<\/td>\n<td>Haks\u0131z fiil (TBK m.49 vd.)<\/td>\n<\/tr>\n<tr>\n<td>\u00d6zen \u00f6l\u00e7\u00fcs\u00fc<\/td>\n<td>A\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f objektif \u00f6zen; hafif kusurdan dahi sorumluluk<\/td>\n<td>Genel haks\u0131z fiil sorumlulu\u011fu; kusurun ayr\u0131ca ispat\u0131 gerekir<\/td>\n<\/tr>\n<tr>\n<td>\u0130spat y\u00fck\u00fc<\/td>\n<td>Banka kusursuzlu\u011funu ispatla y\u00fck\u00fcml\u00fcd\u00fcr<\/td>\n<td>Zarar g\u00f6ren, bankan\u0131n kusurunu ve illiyet ba\u011f\u0131n\u0131 ispatlar<\/td>\n<\/tr>\n<tr>\n<td>Sorumsuzluk anla\u015fmas\u0131<\/td>\n<td>Ge\u00e7ersizdir<\/td>\n<td>Zaten s\u00f6zle\u015fme ili\u015fkisi yoktur<\/td>\n<\/tr>\n<tr>\n<td>Kapsam<\/td>\n<td>Kural olarak zarar\u0131n tamam\u0131; m\u00fcterafik kusur oran\u0131nda indirim<\/td>\n<td>Yaln\u0131zca bankan\u0131n kendi kusurlu davran\u0131\u015f\u0131yla illiyet ba\u011f\u0131 kurulabilen dilim<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Emsal kararda mahkeme bu ayr\u0131m\u0131 bilin\u00e7li bi\u00e7imde kurmu\u015f ve sonucu buna g\u00f6re belirlemi\u015ftir. Al\u0131c\u0131 hesab\u0131n bulundu\u011fu banka bak\u0131m\u0131ndan davac\u0131 \u00fc\u00e7\u00fcnc\u00fc ki\u015fidir; banka yurt d\u0131\u015f\u0131ndan d\u00f6viz geldi\u011fi i\u00e7in mevzuata g\u00f6re i\u015flem yapm\u0131\u015ft\u0131r ve kendisine bunun \u00f6tesinde bir y\u00fck\u00fcml\u00fcl\u00fck y\u00fcklenmesi beklenemez. Bir <a href=\"https:\/\/defihukuk.com\/\" rel=\"dofollow\">kripto hukuku avukat\u0131<\/a> olarak benzer dosyalarda g\u00f6rd\u00fc\u011f\u00fcm\u00fcz en yayg\u0131n hata, bu ayr\u0131m\u0131n g\u00f6zden ka\u00e7\u0131r\u0131larak davan\u0131n mudi ili\u015fkisine dayal\u0131 i\u00e7tihat \u00fczerine kurulmas\u0131d\u0131r. Bu, dosyan\u0131n daha ilk a\u015famada zay\u0131f d\u00fc\u015fmesine yol a\u00e7ar.<\/p>\n<div class=\"dfh-note\">\n<p><strong>Ayr\u0131m mutlak de\u011fildir.<\/strong> Karar\u0131n s\u00f6yledi\u011fi \u015fey, mudi olmayan \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye kar\u015f\u0131 bankan\u0131n hi\u00e7bir sorumlulu\u011fu bulunmad\u0131\u011f\u0131 de\u011fildir. S\u00f6yledi\u011fi \u015fey, <strong>a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f s\u00f6zle\u015fmesel \u00f6zen rejiminin<\/strong> \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye uzat\u0131lamayaca\u011f\u0131d\u0131r. Banka, haks\u0131z fiil h\u00fck\u00fcmleri \u00e7er\u00e7evesinde kendi kusurlu davran\u0131\u015f\u0131ndan \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye kar\u015f\u0131 da sorumlu olur. Nitekim ayn\u0131 kararda banka, iade talebinden sonraki \u00f6deme bak\u0131m\u0131ndan tam olarak bu esasa g\u00f6re sorumlu tutulmu\u015ftur.<\/p>\n<\/div>\n<h2 id=\"dfh-an\">Sorumlulu\u011fun Do\u011fdu\u011fu An: \u0130ade Talebinden Sonraki \u00d6deme<\/h2>\n<p>Karar\u0131n uygulamada en \u00e7ok i\u015fe yarayacak b\u00f6l\u00fcm\u00fc budur. Mahkeme, bankan\u0131n sorumlulu\u011funu belirli bir <strong>ana<\/strong> ba\u011flam\u0131\u015ft\u0131r: paray\u0131 g\u00f6nderen banka taraf\u0131ndan iade talebi iletildi\u011fi an.<\/p>\n<p>O ana kadar banka, \u00f6n\u00fcne gelen belgelerle i\u015flem yapan ve mevzuat\u0131n kendisinden bekledi\u011fi kimlik tespiti ile bilgi taleplerini yerine getiren konumdad\u0131r. Ancak iade talebi geldikten sonra tablo de\u011fi\u015fir: art\u0131k bankan\u0131n \u00f6n\u00fcnde, i\u015flemin s\u0131hhatine ili\u015fkin a\u00e7\u0131k ve resm\u00ee bir uyar\u0131 vard\u0131r. Bu uyar\u0131ya ra\u011fmen \u00f6deme yap\u0131lmas\u0131, mahkemenin ifadesiyle <strong>\u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131 bir davran\u0131\u015ft\u0131r<\/strong> ve haks\u0131z fiil sorumlulu\u011fu do\u011furur.<\/p>\n<p>Zarar g\u00f6ren vekili bak\u0131m\u0131ndan bunun pratik sonucu \u015fudur: dosyan\u0131n merkezine bankan\u0131n genel uyum zafiyetlerini de\u011fil, <strong>iade talebinin bankaya ula\u015ft\u0131\u011f\u0131 an ile ondan sonra yap\u0131lan i\u015flemleri<\/strong> yerle\u015ftirmek gerekir. Bu, ispat\u0131 \u00e7ok daha kolay ve illiyet ba\u011f\u0131 \u00e7ok daha g\u00fc\u00e7l\u00fc bir iddiad\u0131r. Talep edilmesi gereken deliller \u015funlard\u0131r:<\/p>\n<ul>\n<li>G\u00f6nderen bankadan al\u0131c\u0131 bankaya iletilen iade veya durdurma mesaj\u0131n\u0131n tarih ve saat damgal\u0131 \u00e7\u0131kt\u0131s\u0131<\/li>\n<li>Mesaj\u0131n bankan\u0131n hangi biriminde, kim taraf\u0131ndan, ne zaman g\u00f6r\u00fcld\u00fc\u011f\u00fcne ili\u015fkin sistem kay\u0131tlar\u0131<\/li>\n<li>Mesaj\u0131n al\u0131nmas\u0131ndan sonra hesap \u00fczerinde yap\u0131lan t\u00fcm i\u015flemlerin dakika baz\u0131nda d\u00f6k\u00fcm\u00fc<\/li>\n<li>\u015eube kamera kay\u0131tlar\u0131 ve nakit \u00e7ekim tutanaklar\u0131<\/li>\n<li>Banka personeli ile hesap sahibi aras\u0131ndaki telefon g\u00f6r\u00fc\u015fme kay\u0131tlar\u0131<\/li>\n<\/ul>\n<h2 id=\"dfh-kararlar\">Bankan\u0131n \u00d6zen Borcuna \u0130li\u015fkin Yedi Emsal Karar<\/h2>\n<p>A\u015fa\u011f\u0131da, bankan\u0131n \u00f6zen borcunun s\u0131n\u0131rlar\u0131n\u0131 farkl\u0131 y\u00f6nlerden \u00e7izen kararlar\u0131 derledim. Tablonun okunma bi\u00e7imi \u00f6nemlidir: ilk be\u015f karar <strong>mudi ili\u015fkisine<\/strong>, son iki karar ise sorumlulu\u011fun s\u0131n\u0131r\u0131na ili\u015fkindir.<\/p>\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>Karar<\/th>\n<th>\u00c7\u00f6zd\u00fc\u011f\u00fc Sorun<\/th>\n<th>Sonu\u00e7<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Yarg\u0131tay Hukuk Genel Kurulu, E. 2012\/11-550, K. 2012\/820, T. 21.11.2012<\/td>\n<td>Bankan\u0131n \u00f6zen borcunun hukuki niteli\u011fi nedir?<\/td>\n<td>Bankalar g\u00fcven kurumudur; a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f sorumlulu\u011fun gere\u011fi olarak objektif \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc alt\u0131ndad\u0131r ve hafif kusurlar\u0131ndan dahi sorumludur. Bu sorumlulu\u011fu kald\u0131ran s\u00f6zle\u015fme h\u00fck\u00fcmleri ge\u00e7ersizdir.<\/td>\n<\/tr>\n<tr>\n<td>Yarg\u0131tay 11. Hukuk Dairesi, E. 2020\/5738 (kanun yarar\u0131na bozma; 28.12.2020 tarihli ve 31348 say\u0131l\u0131 Resm\u00ee Gazete)<\/td>\n<td>Banka aleyhine a\u00e7\u0131lan davada pasif husumet yoklu\u011fundan ret verilebilir mi?<\/td>\n<td>Hay\u0131r. Yerel mahkemenin pasif husumet yoklu\u011fundan ret karar\u0131 bozulmu\u015ftur; banka somut olay\u0131n ko\u015fullar\u0131na g\u00f6re daval\u0131 s\u0131fat\u0131n\u0131 ta\u015f\u0131r.<\/td>\n<\/tr>\n<tr>\n<td>Yarg\u0131tay 11. Hukuk Dairesi, E. 2007\/12559, K. 2009\/1362, T. 09.02.2009<\/td>\n<td>Sahtecilik yoluyla yap\u0131lan i\u015flemlerde bankan\u0131n konumu<\/td>\n<td>G\u00fcven kurulu\u015fu olan bankalar toplad\u0131klar\u0131 mevduat\u0131 sahtecilere kar\u015f\u0131 \u00f6zenle korumak zorundad\u0131r; objektif \u00f6zen borcu alt\u0131ndad\u0131rlar.<\/td>\n<\/tr>\n<tr>\n<td>Yarg\u0131tay 11. Hukuk Dairesi, E. 2016\/7337, K. 2017\/5353<\/td>\n<td>G\u00fcvenlik tedbirlerindeki eksikli\u011fin sonucu<\/td>\n<td>Bankan\u0131n g\u00fcvenlik tedbirlerindeki eksiklik nedeniyle objektif \u00f6zen borcunu yerine getirmedi\u011fi ve en hafif kusurundan dahi sorumlu oldu\u011fu vurgulanm\u0131\u015ft\u0131r.<\/td>\n<\/tr>\n<tr>\n<td>Yarg\u0131tay 11. Hukuk Dairesi, E. 2015\/14040, K. 2017\/2093<\/td>\n<td>Yetersiz teknik altyap\u0131n\u0131n kusura etkisi<\/td>\n<td>Hukuki ve teknik altyap\u0131s\u0131 bulunmayan \u015fifre sistemi kullanan bankan\u0131n objektif \u00f6zen borcunu ihlal etti\u011fi kabul edilmi\u015ftir.<\/td>\n<\/tr>\n<tr>\n<td>\u0130stanbul Anadolu 4. Asliye Ticaret Mahkemesi, E. 2016\/24, K. 2023\/130, T. 16.02.2023<\/td>\n<td>A\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f \u00f6zen sorumlulu\u011fu mudi olmayan \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye uzar m\u0131?<\/td>\n<td>Hay\u0131r. Bu geni\u015f sorumluluk kural olarak bankan\u0131n kendi mudilerine kar\u015f\u0131d\u0131r. Banka yaln\u0131zca iade talebinden sonra yapt\u0131\u011f\u0131 \u00f6deme bak\u0131m\u0131ndan haks\u0131z fiil esas\u0131na g\u00f6re sorumlu tutulmu\u015ftur.<\/td>\n<\/tr>\n<tr>\n<td>\u0130stanbul Anadolu 7. Asliye Ticaret Mahkemesi, E. 2022\/256, K. 2023\/35, T. 25.01.2023<\/td>\n<td>Mudi i\u015fleme bizzat onay vermi\u015fse banka sorumlu olur mu?<\/td>\n<td>Somut olayda hay\u0131r. Telefonla kand\u0131r\u0131lan davac\u0131n\u0131n kendi onay\u0131yla ger\u00e7ekle\u015fen \u00e7ok say\u0131da transfer bak\u0131m\u0131ndan bankan\u0131n kusursuz oldu\u011fu kabul edilerek dava reddedilmi\u015ftir.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Bu Kararlar Birlikte Ne S\u00f6yl\u00fcyor?<\/h3>\n<p>\u00dc\u00e7 katmanl\u0131 bir yap\u0131 ortaya \u00e7\u0131k\u0131yor. <strong>Birinci katman:<\/strong> banka kendi mudisine kar\u015f\u0131 a\u011f\u0131r bir sorumluluk alt\u0131ndad\u0131r ve kusursuzlu\u011funu kendisi ispat etmek zorundad\u0131r. <strong>\u0130kinci katman:<\/strong> bu a\u011f\u0131r sorumluluk mudi olmayan \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye kendili\u011finden uzamaz; \u00fc\u00e7\u00fcnc\u00fc ki\u015fi bak\u0131m\u0131ndan haks\u0131z fiilin unsurlar\u0131 ayr\u0131ca ispatlanmal\u0131d\u0131r. <strong>\u00dc\u00e7\u00fcnc\u00fc katman:<\/strong> mudi bak\u0131m\u0131ndan dahi sorumluluk mutlak de\u011fildir; i\u015fleme bizzat ve bilin\u00e7li onay veren mudi kar\u015f\u0131s\u0131nda bankan\u0131n kusursuzlu\u011fu kabul edilebilmektedir.<\/p>\n<p>Dosya kurulurken hangi katmanda bulunuldu\u011funun ba\u015ftan belirlenmesi, hem talep sonucunun hem de delil listesinin do\u011fru \u015fekillendirilmesini sa\u011flar.<\/p>\n<h2 id=\"dfh-emare\">\u015e\u00fcphe Emareleri Katalo\u011fu: Dosyada Nelere Bak\u0131l\u0131r?<\/h2>\n<p>Bankan\u0131n \u015f\u00fcpheli i\u015flem bildirimi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc ihlal etti\u011fini ileri s\u00fcrerken soyut iddia yeterli de\u011fildir; \u015f\u00fcphenin hangi somut emarelerle do\u011fdu\u011funun g\u00f6sterilmesi gerekir. Emsal dosyada ileri s\u00fcr\u00fclen ve bilirki\u015fi raporuyla desteklenen emareler, benzer davalar i\u00e7in kullan\u0131\u015fl\u0131 bir kontrol listesi olu\u015fturuyor.<\/p>\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>Emare<\/th>\n<th>Neden \u015f\u00fcphe do\u011furur?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>D\u00fc\u015f\u00fck sermayeli, yeni kurulmu\u015f \u015firkete \u00e7ok y\u00fcksek tutarl\u0131 transfer<\/td>\n<td>\u015eirketin i\u015fi, mesle\u011fi ve mali durumu ile i\u015flemleri aras\u0131nda makul orant\u0131 bulunmamas\u0131<\/td>\n<\/tr>\n<tr>\n<td>\u0130\u015flemin hukuki ve ekonomik amac\u0131n\u0131n sorulana dek belirtilmemesi<\/td>\n<td>\u0130\u015flemin ger\u00e7ek mahiyetinin gizlenmeye \u00e7al\u0131\u015f\u0131lmas\u0131<\/td>\n<\/tr>\n<tr>\n<td>Teminats\u0131z ve faizsiz y\u00fcksek tutarl\u0131 kredi iddias\u0131<\/td>\n<td>Ticari hayat\u0131n ola\u011fan ak\u0131\u015f\u0131na ayk\u0131r\u0131l\u0131k<\/td>\n<\/tr>\n<tr>\n<td>\u0130braz edilen s\u00f6zle\u015fmenin tutar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re a\u015f\u0131r\u0131 basit, eksik h\u00fck\u00fcml\u00fc ve \u00f6zensiz formatta olmas\u0131<\/td>\n<td>Kredi sa\u011flayan bir kurulu\u015f olan bankaca ilk bak\u0131\u015fta fark edilebilecek nitelikte sahtelik g\u00f6stergesi<\/td>\n<\/tr>\n<tr>\n<td>Farkl\u0131 tutarl\u0131 s\u00f6zle\u015fmelerin ayn\u0131 tarihi ta\u015f\u0131mas\u0131<\/td>\n<td>Belgenin i\u015flem tutar\u0131na g\u00f6re sonradan uyarland\u0131\u011f\u0131na i\u015faret<\/td>\n<\/tr>\n<tr>\n<td>S\u00f6zle\u015fme sayfalar\u0131nda imza veya paraf bulunmamas\u0131, ayn\u0131 formda tekrar eden paraflar<\/td>\n<td>Belge b\u00fct\u00fcnl\u00fc\u011f\u00fcn\u00fcn sa\u011flanmam\u0131\u015f olmas\u0131<\/td>\n<\/tr>\n<tr>\n<td>Gelen tutar\u0131n par\u00e7a par\u00e7a ve makul a\u00e7\u0131klama yap\u0131lmaks\u0131z\u0131n nakde \u00e7evrilmesi<\/td>\n<td>\u0130z b\u0131rakmama ve katmanlama davran\u0131\u015f\u0131<\/td>\n<\/tr>\n<tr>\n<td>\u0130\u015flemlerden sonra hesab\u0131n hareketsiz kalmas\u0131<\/td>\n<td>Hesab\u0131n ger\u00e7ek ticari faaliyet i\u00e7in de\u011fil, tek seferlik transfer i\u00e7in a\u00e7\u0131ld\u0131\u011f\u0131 izlenimi<\/td>\n<\/tr>\n<tr>\n<td>Hesap sahibinin s\u00fcrekli farkl\u0131 ki\u015filerle \u015fubeye gelmesi, paran\u0131n gelip gelmedi\u011fini \u0131srarla sormas\u0131<\/td>\n<td>Davran\u0131\u015fsal risk g\u00f6stergesi<\/td>\n<\/tr>\n<tr>\n<td>\u015eirketin fiilen faaliyet g\u00f6stermedi\u011finin mali m\u00fc\u015favir beyan\u0131yla sabit olmas\u0131<\/td>\n<td>Paravan yap\u0131 \u015f\u00fcphesi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"dfh-note\">\n<p><strong>En g\u00fc\u00e7l\u00fc emare \u00e7o\u011fu zaman bankan\u0131n kendi davran\u0131\u015f\u0131d\u0131r.<\/strong> Emsal dosyada banka, ibraz edilen sahte s\u00f6zle\u015fmenin tutar\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcp <strong>her transfer i\u00e7in ayr\u0131 s\u00f6zle\u015fme bulunmas\u0131 gerekti\u011fini s\u00f6yleyerek y\u00f6nlendirmede bulunmu\u015ftur<\/strong>. Davac\u0131 bu davran\u0131\u015f\u0131, bankan\u0131n i\u015flemin ola\u011fand\u0131\u015f\u0131l\u0131\u011f\u0131n\u0131 fiilen fark etti\u011finin kan\u0131t\u0131 olarak ileri s\u00fcrm\u00fc\u015ft\u00fcr. Bir kurumun eksikli\u011fi fark edip giderilmesi i\u00e7in yol g\u00f6stermesi, ayn\u0131 eksikli\u011fi \u015f\u00fcphe g\u00f6stergesi olarak de\u011ferlendirmemi\u015f olmas\u0131n\u0131 a\u00e7\u0131klamay\u0131 g\u00fc\u00e7le\u015ftirir. Bu t\u00fcr davran\u0131\u015fsal delillerin dosyaya ta\u015f\u0131nmas\u0131, soyut uyum ele\u015ftirilerinden \u00e7ok daha etkilidir.<\/p>\n<\/div>\n<h2 id=\"dfh-yaptirim\">Bildirim Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc \u0130hlalin \u0130dari ve Adli Yapt\u0131r\u0131mlar\u0131<\/h2>\n<p>\u015e\u00fcpheli i\u015flem bildirimi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn ihlali iki ayr\u0131 yapt\u0131r\u0131m rejimi do\u011furur ve bunlar birbirinin alternatifi de\u011fildir.<\/p>\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>\u0130hlal<\/th>\n<th>Dayanak<\/th>\n<th>Yapt\u0131r\u0131m<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Kimlik tespiti, bildirim, kay\u0131t d\u00fczeni gibi y\u00fck\u00fcml\u00fcl\u00fcklerin ihlali<\/td>\n<td>5549 say\u0131l\u0131 Kanun m.13<\/td>\n<td>\u0130dari para cezas\u0131. Finansal kurulu\u015flarda ceza i\u015flem tutar\u0131na endekslenebilmekte, tebli\u011fle birlikte yaz\u0131l\u0131 ihtar ve yeni s\u00fcre verilmekte, eksiklik giderilmezse ilk cezan\u0131n iki kat\u0131 uygulanmaktad\u0131r<\/td>\n<\/tr>\n<tr>\n<td>Bildirimde bulunuldu\u011funun a\u00e7\u0131klanmas\u0131 (gizlilik ihlali)<\/td>\n<td>5549 say\u0131l\u0131 Kanun m.4\/2 ve m.14<\/td>\n<td>Bir y\u0131ldan \u00fc\u00e7 y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131. T\u00fczel ki\u015filer hakk\u0131nda g\u00fcvenlik tedbirleri<\/td>\n<\/tr>\n<tr>\n<td>Ask\u0131ya alma karar\u0131na ayk\u0131r\u0131 i\u015flem yap\u0131lmas\u0131<\/td>\n<td>5549 say\u0131l\u0131 Kanun m.19\/A<\/td>\n<td>\u0130\u015flem tutar\u0131 kadar, elli bin T\u00fcrk liras\u0131ndan az olmamak \u00fczere idari para cezas\u0131<\/td>\n<\/tr>\n<tr>\n<td>Ba\u015fkas\u0131 hesab\u0131na hareket edildi\u011finin beyan edilmemesi<\/td>\n<td>5549 say\u0131l\u0131 Kanun m.15<\/td>\n<td>Alt\u0131 aydan bir y\u0131la kadar hapis veya be\u015f bin g\u00fcne kadar adli para cezas\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Burada tazminat davas\u0131 bak\u0131m\u0131ndan kritik olan nokta \u015fudur: idari yapt\u0131r\u0131m uygulanmam\u0131\u015f olmas\u0131, hukuki sorumlulu\u011fu ortadan kald\u0131rmaz. Emsal dosyada banka, MASAK inceleme raporunda kendisi hakk\u0131nda su\u00e7 te\u015fkil eden bir tespit bulunmad\u0131\u011f\u0131n\u0131 savunmu\u015ftur. Mahkeme yine de bankan\u0131n \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131 davrand\u0131\u011f\u0131n\u0131 belirli bir dilim bak\u0131m\u0131ndan kabul etmi\u015ftir. \u0130dari denetimin sonucu ile \u00f6zel hukuk sorumlulu\u011fu ayr\u0131 de\u011ferlendirilir.<\/p>\n<figure id=\"attachment_7110\" aria-describedby=\"caption-attachment-7110\" style=\"width: 1920px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-7110\" src=\"https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu.jpg\" alt=\"Ba\u015fkas\u0131 Hesab\u0131na \u0130\u015flem Yap\u0131ld\u0131\u011f\u0131n\u0131n Beyan Edilmemesi Su\u00e7u\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu.jpg 1920w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu-300x169.jpg 300w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu-1024x576.jpg 1024w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu-768x432.jpg 768w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu-1536x864.jpg 1536w, https:\/\/defihukuk.com\/wp-content\/uploads\/2026\/07\/baskasi-hesabina-islem-yapildiginin-beyan-edilmemesi-sucu-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption id=\"caption-attachment-7110\" class=\"wp-caption-text\">Ba\u015fkas\u0131 Hesab\u0131na \u0130\u015flem Yap\u0131ld\u0131\u011f\u0131n\u0131n Beyan Edilmemesi Su\u00e7u<\/figcaption><\/figure>\n<h2 id=\"dfh-baskasi\">Ba\u015fkas\u0131 Hesab\u0131na \u0130\u015flem Yap\u0131ld\u0131\u011f\u0131n\u0131n Beyan Edilmemesi Su\u00e7u<\/h2>\n<p>Bu ba\u015fl\u0131k, \u015f\u00fcpheli i\u015flem bildiriminin madalyonun di\u011fer y\u00fcz\u00fcd\u00fcr. Y\u00fck\u00fcml\u00fcye bildirim \u00f6devi y\u00fcklenirken, i\u015flem yapan ki\u015fiye de bir beyan \u00f6devi y\u00fcklenmi\u015ftir.<\/p>\n<p>5549 say\u0131l\u0131 Kanun&#8217;un 15. maddesine g\u00f6re, y\u00fck\u00fcml\u00fcler nezdinde veya arac\u0131l\u0131\u011f\u0131yla yap\u0131lacak kimlik tespitini gerektiren i\u015flemlerde <strong>kendi ad\u0131na ve fakat ba\u015fkas\u0131 hesab\u0131na hareket eden kimse<\/strong>, bu i\u015flemleri yapmadan \u00f6nce kimin hesab\u0131na hareket etti\u011fini y\u00fck\u00fcml\u00fclere <strong>yaz\u0131l\u0131 olarak<\/strong> bildirmedi\u011fi takdirde alt\u0131 aydan bir y\u0131la kadar hapis veya be\u015f bin g\u00fcne kadar adli para cezas\u0131yla cezaland\u0131r\u0131l\u0131r.<\/p>\n<p>Maddenin gerek\u00e7esi a\u00e7\u0131kt\u0131r: y\u00fck\u00fcml\u00fcler nezdinde yap\u0131lan i\u015flemlerde i\u015flemin esas sahibinin kimli\u011finin gizli tutulmas\u0131n\u0131n \u00f6nlenmesi ama\u00e7lanm\u0131\u015ft\u0131r. Ki\u015fi kendi ad\u0131na ancak ba\u015fkas\u0131 hesab\u0131na i\u015flem yap\u0131p bunu gizlerse, kimlik tespiti y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcyle hedeflenen amaca ula\u015f\u0131lamaz.<\/p>\n<p>Pratik sonu\u00e7 \u015fudur: hesab\u0131n\u0131 ba\u015fkas\u0131na kulland\u0131ran ki\u015fi, aklama su\u00e7u veya doland\u0131r\u0131c\u0131l\u0131\u011fa i\u015ftirak ispatlanamasa dahi, yaln\u0131zca bu bildirimi yapmam\u0131\u015f olmas\u0131 nedeniyle ba\u011f\u0131ms\u0131z bir su\u00e7tan sorumlu tutulabilir. Buna kar\u015f\u0131l\u0131k, hesab\u0131n ba\u015fkas\u0131 hesab\u0131na kullan\u0131laca\u011f\u0131 en ba\u015ftan bankaya yaz\u0131l\u0131 olarak bildirilmi\u015fse bu su\u00e7 olu\u015fmaz. Konunun ceza boyutuyla ilgili ayr\u0131nt\u0131l\u0131 de\u011ferlendirmelerimizi <a href=\"https:\/\/defihukuk.com\/\" rel=\"dofollow\">kripto para doland\u0131r\u0131c\u0131l\u0131\u011f\u0131<\/a> ba\u015fl\u0131kl\u0131 \u00e7al\u0131\u015fmalar\u0131m\u0131zda bulabilirsiniz.<\/p>\n<h2 id=\"dfh-strateji\">Mudi Olmayan Zarar G\u00f6renin Dava Stratejisi<\/h2>\n<p>Emsal karar, bu t\u00fcr dosyalarda izlenmesi gereken yolu da g\u00f6stermektedir. A\u015fa\u011f\u0131daki s\u0131ralama, uygulad\u0131\u011f\u0131m\u0131z yakla\u015f\u0131m\u0131n omurgas\u0131d\u0131r.<\/p>\n<ul class=\"dfh-time\">\n<li><strong>Hedefi do\u011fru belirleyin.<\/strong> As\u0131l sorumlular, paray\u0131 \u00e7eken ve organizasyonu kuran ger\u00e7ek ki\u015filerdir; bunlar m\u00fc\u015ftereken ve m\u00fcteselsilen sorumludur. Banka ikincil ve s\u0131n\u0131rl\u0131 bir hedeftir. Davan\u0131n a\u011f\u0131rl\u0131k merkezini bankaya kayd\u0131rmak, tahsil imk\u00e2n\u0131n\u0131 de\u011fil yaln\u0131zca vek\u00e2let \u00fccreti riskini art\u0131r\u0131r.<\/li>\n<li><strong>Bankaya kar\u015f\u0131 iddiay\u0131 daralt\u0131n.<\/strong> Genel uyum ele\u015ftirisi yerine, iade talebinin ula\u015ft\u0131\u011f\u0131 an ile sonras\u0131ndaki i\u015flemlere odaklan\u0131n. \u0130lliyet ba\u011f\u0131 burada kurulabilir.<\/li>\n<li><strong>\u0130htiyati haciz talep edin.<\/strong> Emsal dosyada davac\u0131, \u0130cra ve \u0130flas Kanunu m.257 vd. uyar\u0131nca daval\u0131lar\u0131n malvarl\u0131klar\u0131 \u00fczerinde ihtiyati haciz ve sicillere devir k\u0131s\u0131tlamas\u0131 \u015ferhi talep etmi\u015ftir. Bu talep dava dilek\u00e7esiyle birlikte ve gerek\u00e7elendirilerek yap\u0131lmal\u0131d\u0131r.<\/li>\n<li><strong>Ceza dosyas\u0131n\u0131 takip edin ancak bekletici mesele tuza\u011f\u0131na dikkat edin.<\/strong> Emsal dosya 2016&#8217;da a\u00e7\u0131lm\u0131\u015f ve 2023&#8217;te karara ba\u011flanm\u0131\u015ft\u0131r; bu s\u00fcrenin \u00f6nemli bir b\u00f6l\u00fcm\u00fc ceza yarg\u0131lamas\u0131n\u0131n beklenmesinden kaynaklanm\u0131\u015ft\u0131r. Ceza mahkemesinin maddi olguya ili\u015fkin kesinle\u015fmi\u015f tespitleri hukuk h\u00e2kimini ba\u011flar, ancak her dosyada beklemek stratejik olarak do\u011fru olmayabilir.<\/li>\n<li><strong>Faiz talebini do\u011fru kurun.<\/strong> Emsal dosyada d\u00f6viz \u00fczerinden zarar s\u00f6z konusu oldu\u011fundan, ilgili para birimi i\u00e7in devlet bankalar\u0131nca uygulanan bir y\u0131l vadeli mevduat hesab\u0131na \u00f6denen en y\u00fcksek faiz oran\u0131 esas al\u0131nm\u0131\u015ft\u0131r. Faiz t\u00fcr\u00fc ve ba\u015flang\u0131\u00e7 tarihi dilek\u00e7ede a\u00e7\u0131k\u00e7a belirtilmelidir.<\/li>\n<\/ul>\n<div class=\"dfh-cta\">\n<p><strong>Sahte Hesap Bildirimi ile \u00d6demeniz Y\u00f6nlendirildi mi?<\/strong>\u0130ade talebi s\u00fcreci, bankaya kar\u015f\u0131 haks\u0131z fiil sorumlulu\u011funun kurulmas\u0131, ihtiyati haciz ve MASAK bildirimi konular\u0131nda hukuki destek alabilirsiniz.<\/p>\n<\/div>\n<h2 id=\"dfh-muterafik\">M\u00fcterafik Kusur: Basiretli Tacir Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ve Zarar G\u00f6renin Pay\u0131<\/h2>\n<p>Bu ba\u015fl\u0131k, davac\u0131 taraf\u0131n en \u00e7ok haz\u0131rl\u0131ks\u0131z yakaland\u0131\u011f\u0131 aland\u0131r. Emsal dosyada bilirki\u015fi, davac\u0131 \u015firketin <strong>a\u011f\u0131r kusuru ve ihmali bulundu\u011funu<\/strong> a\u00e7\u0131k\u00e7a tespit etmi\u015ftir.<\/p>\n<p>Dayanak, T\u00fcrk Ticaret Kanunu m.18\/2&#8217;deki basiretli i\u015f adam\u0131 gibi hareket etme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcd\u00fcr. Tacirden beklenen \u00f6zen, s\u0131radan bir ki\u015fiden beklenenden y\u00fcksektir. Emsal dosyada davac\u0131 aleyhine de\u011ferlendirilen hususlar \u015funlard\u0131r:<\/p>\n<ul>\n<li>Tedarik\u00e7inin hesap bilgisinin <strong>tek bir elektronik posta ile<\/strong> de\u011fi\u015ftirilebilmesine olanak tan\u0131yan bir i\u00e7 s\u00fcre\u00e7 kurulmu\u015f olmas\u0131<\/li>\n<li>De\u011fi\u015fikli\u011fin bilinen ileti\u015fim kanallar\u0131 \u00fczerinden teyit edilmemesi<\/li>\n<li>\u0130lk \u00f6deme muhatab\u0131na ula\u015fmam\u0131\u015fken, yakla\u015f\u0131k bir ay sonra <strong>ayn\u0131 hesaba ikinci \u00f6demenin<\/strong> yap\u0131lmas\u0131<\/li>\n<li>Yurt d\u0131\u015f\u0131nda yerle\u015fik tedarik\u00e7iye \u00f6deme yap\u0131l\u0131rken al\u0131c\u0131 hesab\u0131n niteli\u011finin kontrol edilmemesi<\/li>\n<li>\u015eirket y\u00f6netim, organizasyon ve personel denetiminde zafiyet bulunmas\u0131<\/li>\n<\/ul>\n<p>T\u00fcrk Bor\u00e7lar Kanunu m.52 uyar\u0131nca zarar g\u00f6renin kusuru, tazminat\u0131n belirlenmesinde indirim sebebidir. Dolay\u0131s\u0131yla dava a\u00e7\u0131lmadan \u00f6nce kendi i\u00e7 s\u00fcre\u00e7lerinizin d\u00fcr\u00fcst\u00e7e de\u011ferlendirilmesi ve savunulabilir y\u00f6nlerinin dilek\u00e7ede \u00f6nceden ele al\u0131nmas\u0131, daval\u0131 taraf\u0131n bu arg\u00fcman\u0131 s\u00fcrpriz bi\u00e7imde kullanmas\u0131n\u0131 engeller.<\/p>\n<h2 id=\"dfh-kripto\">Kripto Varl\u0131k Hizmet Sa\u011flay\u0131c\u0131lar\u0131 da Y\u00fck\u00fcml\u00fc m\u00fc?<\/h2>\n<p>Evet. Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131, Tedbirler Y\u00f6netmeli\u011fi kapsam\u0131na al\u0131narak 5549 say\u0131l\u0131 Kanun bak\u0131m\u0131ndan <strong>y\u00fck\u00fcml\u00fc<\/strong> say\u0131lm\u0131\u015ft\u0131r. Bunun anlam\u0131, bu yaz\u0131da anlat\u0131lan b\u00fct\u00fcn rejimin bu platformlar i\u00e7in de ge\u00e7erli olmas\u0131d\u0131r: kimlik tespiti, ger\u00e7ek faydalan\u0131c\u0131n\u0131n ortaya \u00e7\u0131kar\u0131lmas\u0131, \u015f\u00fcpheli i\u015flem bildirimi, gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ve yapt\u0131r\u0131mlar.<\/p>\n<p>Pratikte ortaya \u00e7\u0131kan tablo \u015fudur. Banka sisteminde b\u00f6l\u00fcnen fon, \u00e7o\u011fu dosyada son a\u015famada bir kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131na aktar\u0131l\u0131yor. Bu noktada iki y\u00f6nl\u00fc bir imk\u00e2n do\u011fuyor:<\/p>\n<ul>\n<li><strong>Zarar g\u00f6ren bak\u0131m\u0131ndan:<\/strong> Fonun T\u00fcrkiye&#8217;de faaliyet g\u00f6steren bir platforma ula\u015fmas\u0131 asl\u0131nda lehe bir durumdur. Platform y\u00fck\u00fcml\u00fc s\u0131fat\u0131 ta\u015f\u0131d\u0131\u011f\u0131ndan m\u00fc\u015fterini tan\u0131 kay\u0131tlar\u0131 mevcuttur ve savc\u0131l\u0131k m\u00fczekkeresiyle hesap sahibinin kimli\u011fi tespit edilebilir. Ayr\u0131ca platforma ve MASAK&#8217;a yap\u0131lacak bildirimle hesab\u0131n i\u015fleme kapat\u0131lmas\u0131 sa\u011flanabilir.<\/li>\n<li><strong>Platform bak\u0131m\u0131ndan:<\/strong> \u015e\u00fcpheli i\u015flem bildirimi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn ihlali, banka i\u00e7in ge\u00e7erli olan ayn\u0131 sorumluluk tart\u0131\u015fmas\u0131n\u0131 platform i\u00e7in de g\u00fcndeme getirir. Emsal karar\u0131n kurdu\u011fu mudi ve mudi olmayan ayr\u0131m\u0131 burada da uygulanabilir niteliktedir.<\/li>\n<\/ul>\n<p>Bu t\u00fcr dosyalarda hem 5549 say\u0131l\u0131 Kanun mevzuat\u0131 hem de blokzincir tekni\u011fi bilgisi birlikte gerekti\u011finden, dosyan\u0131n erken a\u015famada bir <a href=\"https:\/\/defihukuk.com\/\" rel=\"dofollow\">kripto para avukat\u0131<\/a> taraf\u0131ndan de\u011ferlendirilmesi, idari blokenin adli el koymaya d\u00f6n\u00fc\u015ft\u00fcr\u00fclememesi gibi telafisi g\u00fc\u00e7 kay\u0131plar\u0131 \u00f6nler. Su\u00e7 geliriyle m\u00fccadeleye ili\u015fkin genel \u00e7er\u00e7eve i\u00e7in <a href=\"https:\/\/www.hmb.gov.tr\/\" target=\"_blank\" rel=\"dofollow noopener\">Hazine ve Maliye Bakanl\u0131\u011f\u0131<\/a> ile <a href=\"https:\/\/www.bddk.org.tr\/\" target=\"_blank\" rel=\"dofollow noopener\">BDDK<\/a> d\u00fczenlemeleri de birlikte incelenmelidir.<\/p>\n<h2 id=\"dfh-hatalar\">Dosyalarda En S\u0131k Yap\u0131lan Sekiz Hata<\/h2>\n<ol>\n<li><strong>Mudi i\u00e7tihad\u0131na dayanmak.<\/strong> Zarar g\u00f6ren bankan\u0131n m\u00fc\u015fterisi de\u011filse, hafif kusurdan sorumluluk i\u00e7tihad\u0131na dayanan dilek\u00e7e daha ilk a\u015famada zay\u0131f d\u00fc\u015fer. Haks\u0131z fiilin unsurlar\u0131 ayr\u0131ca kurulmal\u0131d\u0131r.<\/li>\n<li><strong>\u0130ade talebinin belgelendirilmemesi.<\/strong> Sorumlulu\u011fun do\u011fdu\u011fu an budur. Talebin bankaya ne zaman ula\u015ft\u0131\u011f\u0131 tarih ve saat damgal\u0131 olarak ispatlanamazsa en g\u00fc\u00e7l\u00fc arg\u00fcman kaybedilir.<\/li>\n<li><strong>Genel uyum ele\u015ftirisiyle yetinmek.<\/strong> &#8220;Banka MASAK y\u00fck\u00fcml\u00fcl\u00fcklerini ihlal etti&#8221; ifadesi tek ba\u015f\u0131na sonu\u00e7 do\u011furmaz; \u015f\u00fcphenin hangi somut emarelerle do\u011fdu\u011fu g\u00f6sterilmelidir.<\/li>\n<li><strong>Bankan\u0131n y\u00f6nlendirme davran\u0131\u015f\u0131n\u0131n atlanmas\u0131.<\/strong> Banka personelinin eksik belgenin nas\u0131l tamamlanaca\u011f\u0131na dair yol g\u00f6stermesi, ola\u011fand\u0131\u015f\u0131l\u0131\u011f\u0131n fiilen fark edildi\u011fini g\u00f6steren g\u00fc\u00e7l\u00fc bir delildir.<\/li>\n<li><strong>Kendi kusurunu de\u011ferlendirmemek.<\/strong> Basiretli tacir y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131l\u0131k, tazminatta ciddi indirime yol a\u00e7ar. Dilek\u00e7ede \u00f6nceden ele al\u0131nmazsa kar\u015f\u0131 taraf s\u00fcrpriz arg\u00fcman olarak kullan\u0131r.<\/li>\n<li><strong>\u0130htiyati haciz talebinin geciktirilmesi.<\/strong> Ger\u00e7ek ki\u015fi daval\u0131lar\u0131n malvarl\u0131klar\u0131 \u00fczerinde erken tedbir al\u0131nmazsa, kazan\u0131lan dava tahsil edilemez.<\/li>\n<li><strong>Adli el koymaya d\u00f6n\u00fc\u015ft\u00fcr\u00fclmeyen idari bloke.<\/strong> S\u00fcreli idari tedbir sona erdi\u011finde fon yeniden hareket eder.<\/li>\n<li><strong>Ceza dosyas\u0131n\u0131n otomatik olarak beklenmesi.<\/strong> Bekletici mesele yap\u0131lmas\u0131 her dosyada isabetli de\u011fildir; emsal dosyada yarg\u0131lama yedi y\u0131l s\u00fcrm\u00fc\u015ft\u00fcr.<\/li>\n<\/ol>\n<h2 id=\"dfh-sss\">S\u0131k\u00e7a Sorulan Sorular<\/h2>\n<div class=\"dfh-faq\">\n<details open=\"open\">\n<summary>\u015e\u00fcpheli i\u015flem bildiriminden kim sorumludur?<\/summary>\n<p>Y\u00fck\u00fcml\u00fcl\u00fck, 5549 say\u0131l\u0131 Kanun m.2&#8217;de tan\u0131mlanan y\u00fck\u00fcml\u00fclere aittir; bankalar bu tan\u0131m\u0131n merkezindedir. Bildirimi fiilen yapacak ki\u015fi ise Tedbirler Y\u00f6netmeli\u011fi uyar\u0131nca ger\u00e7ek ki\u015fi y\u00fck\u00fcml\u00fcn\u00fcn kendisi, t\u00fczel ki\u015fi y\u00fck\u00fcml\u00fcn\u00fcn kanuni temsilcileri veya yetkili k\u0131ld\u0131\u011f\u0131 ki\u015filer, uyum g\u00f6revlisi atanm\u0131\u015f y\u00fck\u00fcml\u00fclerde ise uyum g\u00f6revlisidir. \u015eube personeli do\u011frudan MASAK&#8217;a bildirim yapmaz ancak \u015f\u00fcpheyi i\u00e7 kanal \u00fczerinden uyum birimine iletmekle y\u00fck\u00fcml\u00fcd\u00fcr; bu zincirin kopmas\u0131 kurumun y\u00fck\u00fcml\u00fcl\u00fck ihlaline yol a\u00e7ar.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Banka \u015f\u00fcpheli i\u015flem bildirimi nedir?<\/summary>\n<p>Banka nezdinde veya arac\u0131l\u0131\u011f\u0131yla yap\u0131lan ya da yap\u0131lmaya te\u015febb\u00fcs edilen bir i\u015fleme konu malvarl\u0131\u011f\u0131n\u0131n yasa d\u0131\u015f\u0131 yollardan elde edildi\u011fine veya yasa d\u0131\u015f\u0131 ama\u00e7larla kullan\u0131ld\u0131\u011f\u0131na dair bilgi, \u015f\u00fcphe veya \u015f\u00fcpheyi gerektiren bir husus bulunmas\u0131 h\u00e2linde MASAK Ba\u015fkanl\u0131\u011f\u0131na yap\u0131lan resm\u00ee bildirimdir. Dayana\u011f\u0131 5549 say\u0131l\u0131 Kanun m.4 ile Tedbirler Y\u00f6netmeli\u011fi m.27 ve 28&#8217;dir. Bildirim herhangi bir parasal s\u0131n\u0131r g\u00f6zetilmeksizin yap\u0131l\u0131r ve \u015f\u00fcphenin kesinli\u011fe ula\u015fmas\u0131 aranmaz.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>\u015e\u00fcpheli i\u015flem bildiriminde ne olur?<\/summary>\n<p>Y\u00fck\u00fcml\u00fc, yetki ve imk\u00e2nlar\u0131 \u00f6l\u00e7\u00fcs\u00fcnde ara\u015ft\u0131rma yapt\u0131ktan sonra \u015e\u00fcpheli \u0130\u015flem Bildirim Formunu doldurarak Ba\u015fkanl\u0131\u011fa g\u00f6nderir. Bildirim, \u015f\u00fcphenin olu\u015ftu\u011fu tarihten itibaren en ge\u00e7 on i\u015f g\u00fcn\u00fc i\u00e7inde, gecikmesinde sak\u0131nca bulunan h\u00e2llerde derh\u00e2l yap\u0131l\u0131r. Bildirimde bulunuldu\u011fu, denetim elemanlar\u0131 ve mahkemeler d\u0131\u015f\u0131nda i\u015fleme taraf olanlar d\u00e2hil hi\u00e7 kimseye a\u00e7\u0131klanamaz. 5549 say\u0131l\u0131 Kanun m.19\/A uyar\u0131nca i\u015flem yedi i\u015f g\u00fcn\u00fc s\u00fcreyle ask\u0131ya al\u0131nabilir. Ba\u015fkanl\u0131k bildirimi analiz eder ve \u015f\u00fcphe kuvvetlenirse dosya Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na intikal ettirilir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Bankalarda bilgi g\u00fcvenli\u011finden kim sorumludur?<\/summary>\n<p>Sorumluluk \u00fc\u00e7 d\u00fczeyde da\u011f\u0131l\u0131r. Kurumsal d\u00fczeyde bankan\u0131n t\u00fczel ki\u015fili\u011fi ve y\u00f6netim kurulu, bilgi sistemleri y\u00f6netimi ile i\u00e7 kontrol, risk y\u00f6netimi ve uyum sistemlerinin kurulmas\u0131ndan sorumludur. Operasyonel d\u00fczeyde bilgi sistemleri ve uyum birimleri i\u015flem izleme ile \u015f\u00fcpheli i\u015flem de\u011ferlendirme s\u00fcre\u00e7lerini y\u00fcr\u00fct\u00fcr. Bireysel d\u00fczeyde \u015fube personeli kimlik tespiti ve \u015f\u00fcphenin iletilmesinden sorumludur. Hukuki sorumluluk tek tek personelin kusuruna indirgenemez; 5549 say\u0131l\u0131 Kanun y\u00fck\u00fcml\u00fclere personelini e\u011fitme ve vas\u0131fl\u0131 personel \u00e7al\u0131\u015ft\u0131rma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc de getirir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Bankan\u0131n m\u00fc\u015fterisi de\u011filim; yine de bankaya dava a\u00e7abilir miyim?<\/summary>\n<p>Evet, ancak dayanak farkl\u0131d\u0131r. Bankan\u0131n m\u00fc\u015fterisiyseniz sorumluluk s\u00f6zle\u015fmeye dayan\u0131r ve banka objektif \u00f6zen borcu gere\u011fi hafif kusurundan dahi sorumludur. M\u00fc\u015fterisi de\u011filseniz sorumluluk haks\u0131z fiile dayan\u0131r; bankan\u0131n kusurunu ve zararla aras\u0131ndaki illiyet ba\u011f\u0131n\u0131 siz ispatlars\u0131n\u0131z. \u0130stanbul Anadolu 4. Asliye Ticaret Mahkemesinin 2016\/24 E., 2023\/130 K. say\u0131l\u0131 karar\u0131nda da a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f sorumlulu\u011fun kural olarak bankan\u0131n kendi mudilerine kar\u015f\u0131 oldu\u011fu belirtilmi\u015f, buna kar\u015f\u0131l\u0131k banka iade talebinden sonra yapt\u0131\u011f\u0131 \u00f6deme bak\u0131m\u0131ndan sorumlu tutulmu\u015ftur.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Bankan\u0131n sorumlulu\u011fu tam olarak hangi anda do\u011fuyor?<\/summary>\n<p>Emsal kararda belirleyici an, paray\u0131 g\u00f6nderen banka taraf\u0131ndan iade veya durdurma talebinin al\u0131c\u0131 bankaya iletildi\u011fi and\u0131r. O ana kadar banka \u00f6n\u00fcne gelen belgelerle i\u015flem yapan konumdad\u0131r. Talep ula\u015ft\u0131ktan sonra ise i\u015flemin s\u0131hhatine ili\u015fkin a\u00e7\u0131k bir uyar\u0131 vard\u0131r; buna ra\u011fmen \u00f6deme yap\u0131lmas\u0131 \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131d\u0131r. Bu nedenle dosyan\u0131n merkezine iade talebinin ula\u015ft\u0131\u011f\u0131 an ile sonras\u0131ndaki i\u015flemler yerle\u015ftirilmelidir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Banka hakk\u0131nda MASAK cezas\u0131 yoksa tazminat davas\u0131 kaybedilir mi?<\/summary>\n<p>Hay\u0131r. \u0130dari yapt\u0131r\u0131m uygulanmam\u0131\u015f olmas\u0131 \u00f6zel hukuk sorumlulu\u011funu ortadan kald\u0131rmaz. Emsal dosyada banka, MASAK inceleme raporunda kendisi hakk\u0131nda su\u00e7 te\u015fkil eden bir tespit bulunmad\u0131\u011f\u0131n\u0131 savunmu\u015f; mahkeme yine de belirli bir dilim bak\u0131m\u0131ndan \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ihlali kabul etmi\u015ftir. \u0130dari denetimin sonucu ile tazminat sorumlulu\u011fu ayr\u0131 ayr\u0131 de\u011ferlendirilir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>\u015e\u00fcpheli i\u015flem bildirimi i\u00e7in parasal s\u0131n\u0131r var m\u0131?<\/summary>\n<p>Hay\u0131r. \u015e\u00fcpheli i\u015flemler herhangi bir tutar g\u00f6zetilmeksizin bildirilir. Ayr\u0131ca \u015f\u00fcphe veya \u015f\u00fcpheyi gerektiren makul sebebin bulunup bulunmad\u0131\u011f\u0131 gerekti\u011finde birden \u00e7ok i\u015flem bir arada ele al\u0131narak de\u011ferlendirilir; birlikte de\u011ferlendirildi\u011finde \u015f\u00fcphe arz eden i\u015flemler i\u00e7in tek bir bildirim formu d\u00fczenlenir. Tek ba\u015f\u0131na ola\u011fan g\u00f6r\u00fcnen i\u015flemlerin toplu de\u011ferlendirmede \u015f\u00fcpheli h\u00e2le gelmesi m\u00fcmk\u00fcnd\u00fcr.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Banka bildirimde bulundu\u011funu bana s\u00f6yleyebilir mi?<\/summary>\n<p>Hay\u0131r. 5549 say\u0131l\u0131 Kanun m.4\/2 uyar\u0131nca y\u00fck\u00fcml\u00fcler, bildirimde bulunuldu\u011funu; y\u00fck\u00fcml\u00fcl\u00fck denetimiyle g\u00f6revli denetim elemanlar\u0131 ile yarg\u0131lama s\u0131ras\u0131nda mahkemeler d\u0131\u015f\u0131nda, i\u015fleme taraf olanlar d\u00e2hil hi\u00e7 kimseye a\u00e7\u0131klayamaz. Bu y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn ihlali Kanun&#8217;un 14. maddesi uyar\u0131nca bir y\u0131ldan \u00fc\u00e7 y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131 gerektirir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Hesab\u0131m\u0131 ba\u015fkas\u0131na kulland\u0131rd\u0131m ama bankaya s\u00f6ylemedim; su\u00e7 mu?<\/summary>\n<p>Evet, ba\u011f\u0131ms\u0131z bir su\u00e7 olu\u015fabilir. 5549 say\u0131l\u0131 Kanun m.15 uyar\u0131nca, kimlik tespitini gerektiren i\u015flemlerde kendi ad\u0131na ve fakat ba\u015fkas\u0131 hesab\u0131na hareket eden kimse, i\u015flemleri yapmadan \u00f6nce kimin hesab\u0131na hareket etti\u011fini y\u00fck\u00fcml\u00fclere yaz\u0131l\u0131 olarak bildirmezse alt\u0131 aydan bir y\u0131la kadar hapis veya be\u015f bin g\u00fcne kadar adli para cezas\u0131yla cezaland\u0131r\u0131l\u0131r. Aklama veya doland\u0131r\u0131c\u0131l\u0131\u011fa i\u015ftirak ispatlanamasa dahi bu su\u00e7 g\u00fcndeme gelebilir. Durum en ba\u015ftan bankaya yaz\u0131l\u0131 olarak bildirilmi\u015fse su\u00e7 olu\u015fmaz.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Kripto para borsalar\u0131 da \u015f\u00fcpheli i\u015flem bildirimi yapmak zorunda m\u0131?<\/summary>\n<p>Evet. Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131 Tedbirler Y\u00f6netmeli\u011fi kapsam\u0131na al\u0131narak 5549 say\u0131l\u0131 Kanun bak\u0131m\u0131ndan y\u00fck\u00fcml\u00fc say\u0131lm\u0131\u015ft\u0131r. Kimlik tespiti, ger\u00e7ek faydalan\u0131c\u0131n\u0131n ortaya \u00e7\u0131kar\u0131lmas\u0131, \u015f\u00fcpheli i\u015flem bildirimi, gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ve yapt\u0131r\u0131mlar bu platformlar i\u00e7in de ge\u00e7erlidir. Fonun T\u00fcrkiye&#8217;de faaliyet g\u00f6steren bir platforma ula\u015fmas\u0131 zarar g\u00f6ren a\u00e7\u0131s\u0131ndan lehe bir durumdur; m\u00fc\u015fterini tan\u0131 kay\u0131tlar\u0131 \u00fczerinden hesap sahibinin kimli\u011fi savc\u0131l\u0131k m\u00fczekkeresiyle tespit edilebilir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Kendi ihmalim varsa tazminat alamaz m\u0131y\u0131m?<\/summary>\n<p>Alabilirsiniz ancak tazminat indirime tabi tutulabilir. T\u00fcrk Bor\u00e7lar Kanunu m.52 uyar\u0131nca zarar g\u00f6renin kusuru tazminat\u0131n belirlenmesinde indirim sebebidir. Tacirler bak\u0131m\u0131ndan \u00f6l\u00e7\u00fct T\u00fcrk Ticaret Kanunu m.18\/2&#8217;deki basiretli i\u015f adam\u0131 gibi hareket etme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcd\u00fcr. Emsal dosyada davac\u0131n\u0131n hesap bilgisini tek bir e-posta ile de\u011fi\u015ftirmesi, de\u011fi\u015fikli\u011fi bilinen kanallardan teyit etmemesi ve ilk \u00f6deme ula\u015fmam\u0131\u015fken ayn\u0131 hesaba ikinci \u00f6demeyi yapmas\u0131 a\u011f\u0131r kusur olarak de\u011ferlendirilmi\u015ftir.<\/p>\n<\/details>\n<details open=\"open\">\n<summary>Bu t\u00fcr davalar ne kadar s\u00fcr\u00fcyor?<\/summary>\n<p>Emsal dosyada dava 08.01.2016 tarihinde a\u00e7\u0131lm\u0131\u015f ve 16.02.2023 tarihinde karara ba\u011flanm\u0131\u015ft\u0131r; yarg\u0131lama yedi y\u0131ldan uzun s\u00fcrm\u00fc\u015ft\u00fcr. S\u00fcrenin \u00f6nemli bir b\u00f6l\u00fcm\u00fc ceza yarg\u0131lamas\u0131n\u0131n sonucunun beklenmesinden kaynaklanmaktad\u0131r. Ceza mahkemesinin maddi olguya ili\u015fkin kesinle\u015fmi\u015f tespitleri hukuk h\u00e2kimini ba\u011flad\u0131\u011f\u0131ndan bekleme \u00e7o\u011fu zaman gereklidir; ancak her dosyada bekletici mesele yap\u0131lmas\u0131 stratejik olarak isabetli olmayabilir. Bu nedenle ihtiyati haciz gibi koruyucu tedbirlerin dava ile birlikte talep edilmesi \u00f6nem ta\u015f\u0131r.<\/p>\n<\/details>\n<\/div>\n<div class=\"dfh-bio\">\n<h3>Avukat Taraf\u0131ndan Yaz\u0131lm\u0131\u015ft\u0131r<\/h3>\n<p><strong>Av. Ahmet Karaca<\/strong>, Marmara \u00dcniversitesi Hukuk Fak\u00fcltesi&#8217;nden onur derecesiyle mezun olmu\u015f, \u0130stanbul Barosu&#8217;na kay\u0131tl\u0131 bir T\u00fcrk avukatt\u0131r. Kripto para hukuku, blockchain hukuku, bili\u015fim hukuku ve yapay zeka hukuku alanlar\u0131nda uzmanla\u015fm\u0131\u015f olup, T\u00fcrkiye&#8217;nin her yerinde avukatl\u0131k ve hukuki dan\u0131\u015fmanl\u0131k hizmeti vermektedir. Haberler.com&#8217;da &#8220;Bili\u015fim Avukat\u0131 | Kripto Para Avukat\u0131&#8221; imzas\u0131yla k\u00f6\u015fe yaz\u0131lar\u0131 kaleme almaktad\u0131r.<\/p>\n<div class=\"dfh-cred\"><strong>TBB Sicil No:<\/strong> 234456 | <strong>\u0130stanbul Barosu Sicil:<\/strong> 92414<strong>Mezuniyet:<\/strong> Marmara \u00dcniversitesi Hukuk Fak\u00fcltesi (Onur Derecesi)<strong>Sertifikalar:<\/strong> UNICEF &amp; Habitat Derne\u011fi Sertifikal\u0131 E\u011fitmen | Decentralized Finance (DeFi) Primitives \u2014 Duke University | Artificial Intelligence and Legal Issues \u2014 Politecnico di Milano | AI &amp; Law \u2014 Lund University<strong>Online E\u011fitim:<\/strong> Udemy \u2014 Blockchain ve Kripto Para Hukuku<strong>LinkedIn:<\/strong> <a href=\"https:\/\/www.linkedin.com\/in\/ahmet-karaca-\" target=\"_blank\" rel=\"nofollow noopener\">linkedin.com\/in\/ahmet-karaca-<\/a><\/div>\n<\/div>\n<p style=\"font-size: .85rem; color: #000; margin-top: 16px;\"><em>Bu i\u00e7erik yaln\u0131zca genel bilgilendirme ama\u00e7l\u0131d\u0131r; somut hukuki g\u00f6r\u00fc\u015f veya avukat-m\u00fcvekkil ili\u015fkisi olu\u015fturmaz. Aktar\u0131lan mahkeme karar\u0131 somut olay\u0131n kendi ko\u015fullar\u0131 i\u00e7inde verilmi\u015f olup her dosyada ayn\u0131 sonucun do\u011faca\u011f\u0131 anlam\u0131na gelmez. Mevzuat ve i\u00e7tihat de\u011fi\u015febilece\u011finden, somut bir uyu\u015fmazl\u0131kta g\u00fcncel metinler ayr\u0131ca kontrol edilmeli ve profesyonel hukuki destek al\u0131nmal\u0131d\u0131r.<\/em><\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"\u015e\u00fcpheli \u0130\u015flem Bildirimi ve Bankan\u0131n Mudi Olmayana Sorumlulu\u011fu\",\"description\":\"Bankan\u0131n objektif \u00f6zen borcu mudi olmayan \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye uzar m\u0131? \u0130stanbul Anadolu 4. ATM karar\u0131, 5549 say\u0131l\u0131 Kanun \u015f\u00fcpheli i\u015flem bildirimi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ve yedi emsal karar.\",\"inLanguage\":\"tr-TR\",\"datePublished\":\"2026-07-29\",\"dateModified\":\"2026-07-29\",\"author\":{\"@type\":\"Person\",\"name\":\"Av. Ahmet Karaca\",\"jobTitle\":\"Kripto Para Avukat\u0131\",\"url\":\"https:\/\/defihukuk.com\/\",\"knowsAbout\":[\"Bankac\u0131l\u0131k Hukuku\",\"Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi\",\"MASAK Mevzuat\u0131\",\"Kripto Para Hukuku\",\"Bili\u015fim Ceza Hukuku\",\"Haks\u0131z Fiil Sorumlulu\u011fu\"]},\"publisher\":{\"@type\":\"LegalService\",\"name\":\"DeFi Hukuk B\u00fcrosu\",\"url\":\"https:\/\/defihukuk.com\/\"},\"speakable\":{\"@type\":\"SpeakableSpecification\",\"cssSelector\":[\".speakable\"]},\"about\":[{\"@type\":\"Legislation\",\"name\":\"5549 say\u0131l\u0131 Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi Hakk\u0131nda Kanun\"},{\"@type\":\"Thing\",\"name\":\"Bankan\u0131n Objektif \u00d6zen Borcu\"}]}<\/script><br \/>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"inLanguage\":\"tr-TR\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"\u015e\u00fcpheli i\u015flem bildiriminden kim sorumludur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Y\u00fck\u00fcml\u00fcl\u00fck, 5549 say\u0131l\u0131 Kanun m.2'de tan\u0131mlanan y\u00fck\u00fcml\u00fclere aittir; bankalar bu tan\u0131m\u0131n merkezindedir. Bildirimi fiilen yapacak ki\u015fi ise Tedbirler Y\u00f6netmeli\u011fi uyar\u0131nca ger\u00e7ek ki\u015fi y\u00fck\u00fcml\u00fcn\u00fcn kendisi, t\u00fczel ki\u015fi y\u00fck\u00fcml\u00fcn\u00fcn kanuni temsilcileri veya yetkili k\u0131ld\u0131\u011f\u0131 ki\u015filer, uyum g\u00f6revlisi atanm\u0131\u015f y\u00fck\u00fcml\u00fclerde ise uyum g\u00f6revlisidir. \u015eube personeli do\u011frudan MASAK'a bildirim yapmaz ancak \u015f\u00fcpheyi i\u00e7 kanal \u00fczerinden uyum birimine iletmekle y\u00fck\u00fcml\u00fcd\u00fcr.\"}},{\"@type\":\"Question\",\"name\":\"Banka \u015f\u00fcpheli i\u015flem bildirimi nedir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Banka nezdinde veya arac\u0131l\u0131\u011f\u0131yla yap\u0131lan ya da yap\u0131lmaya te\u015febb\u00fcs edilen bir i\u015fleme konu malvarl\u0131\u011f\u0131n\u0131n yasa d\u0131\u015f\u0131 yollardan elde edildi\u011fine veya yasa d\u0131\u015f\u0131 ama\u00e7larla kullan\u0131ld\u0131\u011f\u0131na dair bilgi, \u015f\u00fcphe veya \u015f\u00fcpheyi gerektiren bir husus bulunmas\u0131 halinde MASAK Ba\u015fkanl\u0131\u011f\u0131na yap\u0131lan resmi bildirimdir. Dayana\u011f\u0131 5549 say\u0131l\u0131 Kanun m.4 ile Tedbirler Y\u00f6netmeli\u011fi m.27 ve 28'dir. Bildirim herhangi bir parasal s\u0131n\u0131r g\u00f6zetilmeksizin yap\u0131l\u0131r.\"}},{\"@type\":\"Question\",\"name\":\"\u015e\u00fcpheli i\u015flem bildiriminde ne olur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Y\u00fck\u00fcml\u00fc, ara\u015ft\u0131rma yapt\u0131ktan sonra \u015e\u00fcpheli \u0130\u015flem Bildirim Formunu doldurarak Ba\u015fkanl\u0131\u011fa g\u00f6nderir. Bildirim, \u015f\u00fcphenin olu\u015ftu\u011fu tarihten itibaren en ge\u00e7 on i\u015f g\u00fcn\u00fc i\u00e7inde, gecikmesinde sak\u0131nca bulunan hallerde derhal yap\u0131l\u0131r. Bildirimde bulunuldu\u011fu, denetim elemanlar\u0131 ve mahkemeler d\u0131\u015f\u0131nda hi\u00e7 kimseye a\u00e7\u0131klanamaz. 5549 say\u0131l\u0131 Kanun m.19\/A uyar\u0131nca i\u015flem yedi i\u015f g\u00fcn\u00fc s\u00fcreyle ask\u0131ya al\u0131nabilir. Ba\u015fkanl\u0131k bildirimi analiz eder ve \u015f\u00fcphe kuvvetlenirse dosya Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na intikal ettirilir.\"}},{\"@type\":\"Question\",\"name\":\"Bankalarda bilgi g\u00fcvenli\u011finden kim sorumludur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sorumluluk \u00fc\u00e7 d\u00fczeyde da\u011f\u0131l\u0131r. Kurumsal d\u00fczeyde bankan\u0131n t\u00fczel ki\u015fili\u011fi ve y\u00f6netim kurulu, bilgi sistemleri y\u00f6netimi ile i\u00e7 kontrol, risk y\u00f6netimi ve uyum sistemlerinin kurulmas\u0131ndan sorumludur. Operasyonel d\u00fczeyde bilgi sistemleri ve uyum birimleri i\u015flem izleme ile \u015f\u00fcpheli i\u015flem de\u011ferlendirme s\u00fcre\u00e7lerini y\u00fcr\u00fct\u00fcr. Bireysel d\u00fczeyde \u015fube personeli kimlik tespiti ve \u015f\u00fcphenin iletilmesinden sorumludur. Hukuki sorumluluk tek tek personelin kusuruna indirgenemez.\"}},{\"@type\":\"Question\",\"name\":\"Bankan\u0131n m\u00fc\u015fterisi de\u011filim; yine de bankaya dava a\u00e7abilir miyim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Evet, ancak dayanak farkl\u0131d\u0131r. Bankan\u0131n m\u00fc\u015fterisiyseniz sorumluluk s\u00f6zle\u015fmeye dayan\u0131r ve banka objektif \u00f6zen borcu gere\u011fi hafif kusurundan dahi sorumludur. M\u00fc\u015fterisi de\u011filseniz sorumluluk haks\u0131z fiile dayan\u0131r; bankan\u0131n kusurunu ve illiyet ba\u011f\u0131n\u0131 siz ispatlars\u0131n\u0131z. \u0130stanbul Anadolu 4. Asliye Ticaret Mahkemesinin 2016\/24 E., 2023\/130 K. say\u0131l\u0131 karar\u0131nda a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f sorumlulu\u011fun kural olarak bankan\u0131n kendi mudilerine kar\u015f\u0131 oldu\u011fu belirtilmi\u015ftir.\"}},{\"@type\":\"Question\",\"name\":\"Bankan\u0131n sorumlulu\u011fu tam olarak hangi anda do\u011fuyor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Emsal kararda belirleyici an, paray\u0131 g\u00f6nderen banka taraf\u0131ndan iade veya durdurma talebinin al\u0131c\u0131 bankaya iletildi\u011fi and\u0131r. O ana kadar banka \u00f6n\u00fcne gelen belgelerle i\u015flem yapan konumdad\u0131r. Talep ula\u015ft\u0131ktan sonra i\u015flemin s\u0131hhatine ili\u015fkin a\u00e7\u0131k bir uyar\u0131 vard\u0131r; buna ra\u011fmen \u00f6deme yap\u0131lmas\u0131 \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcne ayk\u0131r\u0131d\u0131r.\"}},{\"@type\":\"Question\",\"name\":\"Banka hakk\u0131nda MASAK cezas\u0131 yoksa tazminat davas\u0131 kaybedilir mi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\u0131r. \u0130dari yapt\u0131r\u0131m uygulanmam\u0131\u015f olmas\u0131 \u00f6zel hukuk sorumlulu\u011funu ortadan kald\u0131rmaz. Emsal dosyada banka, MASAK inceleme raporunda kendisi hakk\u0131nda su\u00e7 te\u015fkil eden bir tespit bulunmad\u0131\u011f\u0131n\u0131 savunmu\u015f; mahkeme yine de belirli bir dilim bak\u0131m\u0131ndan \u00f6zen y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ihlali kabul etmi\u015ftir.\"}},{\"@type\":\"Question\",\"name\":\"\u015e\u00fcpheli i\u015flem bildirimi i\u00e7in parasal s\u0131n\u0131r var m\u0131?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\u0131r. \u015e\u00fcpheli i\u015flemler herhangi bir tutar g\u00f6zetilmeksizin bildirilir. Ayr\u0131ca \u015f\u00fcphe veya \u015f\u00fcpheyi gerektiren makul sebebin bulunup bulunmad\u0131\u011f\u0131 gerekti\u011finde birden \u00e7ok i\u015flem bir arada ele al\u0131narak de\u011ferlendirilir; birlikte de\u011ferlendirildi\u011finde \u015f\u00fcphe arz eden i\u015flemler i\u00e7in tek bir bildirim formu d\u00fczenlenir.\"}},{\"@type\":\"Question\",\"name\":\"Banka bildirimde bulundu\u011funu bana s\u00f6yleyebilir mi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hay\u0131r. 5549 say\u0131l\u0131 Kanun m.4\/2 uyar\u0131nca y\u00fck\u00fcml\u00fcler, bildirimde bulunuldu\u011funu; y\u00fck\u00fcml\u00fcl\u00fck denetimiyle g\u00f6revli denetim elemanlar\u0131 ile yarg\u0131lama s\u0131ras\u0131nda mahkemeler d\u0131\u015f\u0131nda, i\u015fleme taraf olanlar dahil hi\u00e7 kimseye a\u00e7\u0131klayamaz. Bu y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn ihlali Kanun'un 14. maddesi uyar\u0131nca bir y\u0131ldan \u00fc\u00e7 y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131 gerektirir.\"}},{\"@type\":\"Question\",\"name\":\"Hesab\u0131m\u0131 ba\u015fkas\u0131na kulland\u0131rd\u0131m ama bankaya s\u00f6ylemedim; su\u00e7 mu?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Evet, ba\u011f\u0131ms\u0131z bir su\u00e7 olu\u015fabilir. 5549 say\u0131l\u0131 Kanun m.15 uyar\u0131nca, kimlik tespitini gerektiren i\u015flemlerde kendi ad\u0131na ve fakat ba\u015fkas\u0131 hesab\u0131na hareket eden kimse, i\u015flemleri yapmadan \u00f6nce kimin hesab\u0131na hareket etti\u011fini y\u00fck\u00fcml\u00fclere yaz\u0131l\u0131 olarak bildirmezse alt\u0131 aydan bir y\u0131la kadar hapis veya be\u015f bin g\u00fcne kadar adli para cezas\u0131yla cezaland\u0131r\u0131l\u0131r. Durum en ba\u015ftan bankaya yaz\u0131l\u0131 olarak bildirilmi\u015fse su\u00e7 olu\u015fmaz.\"}},{\"@type\":\"Question\",\"name\":\"Kripto para borsalar\u0131 da \u015f\u00fcpheli i\u015flem bildirimi yapmak zorunda m\u0131?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Evet. Kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131 Tedbirler Y\u00f6netmeli\u011fi kapsam\u0131na al\u0131narak 5549 say\u0131l\u0131 Kanun bak\u0131m\u0131ndan y\u00fck\u00fcml\u00fc say\u0131lm\u0131\u015ft\u0131r. Kimlik tespiti, ger\u00e7ek faydalan\u0131c\u0131n\u0131n ortaya \u00e7\u0131kar\u0131lmas\u0131, \u015f\u00fcpheli i\u015flem bildirimi, gizlilik y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ve yapt\u0131r\u0131mlar bu platformlar i\u00e7in de ge\u00e7erlidir.\"}},{\"@type\":\"Question\",\"name\":\"Kendi ihmalim varsa tazminat alamaz m\u0131y\u0131m?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Alabilirsiniz ancak tazminat indirime tabi tutulabilir. T\u00fcrk Bor\u00e7lar Kanunu m.52 uyar\u0131nca zarar g\u00f6renin kusuru tazminat\u0131n belirlenmesinde indirim sebebidir. Tacirler bak\u0131m\u0131ndan \u00f6l\u00e7\u00fct T\u00fcrk Ticaret Kanunu m.18\/2'deki basiretli i\u015f adam\u0131 gibi hareket etme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcd\u00fcr. Emsal dosyada davac\u0131n\u0131n hesap bilgisini tek bir e-posta ile de\u011fi\u015ftirmesi a\u011f\u0131r kusur olarak de\u011ferlendirilmi\u015ftir.\"}},{\"@type\":\"Question\",\"name\":\"Bu t\u00fcr davalar ne kadar s\u00fcr\u00fcyor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Emsal dosyada dava 08.01.2016 tarihinde a\u00e7\u0131lm\u0131\u015f ve 16.02.2023 tarihinde karara ba\u011flanm\u0131\u015ft\u0131r; yarg\u0131lama yedi y\u0131ldan uzun s\u00fcrm\u00fc\u015ft\u00fcr. S\u00fcrenin \u00f6nemli bir b\u00f6l\u00fcm\u00fc ceza yarg\u0131lamas\u0131n\u0131n sonucunun beklenmesinden kaynaklanmaktad\u0131r. Bu nedenle ihtiyati haciz gibi koruyucu tedbirlerin dava ile birlikte talep edilmesi \u00f6nem ta\u015f\u0131r.\"}}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankalar, g\u00fcven kurumu olmalar\u0131 nedeniyle objektif \u00f6zen borcu alt\u0131ndad\u0131r ve hafif kusurlar\u0131ndan dahi sorumludur. Ancak bu a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f sorumluluk, Yarg\u0131tay ve derece mahkemesi uygulamas\u0131nda kural olarak bankan\u0131n kendi mudilerine y\u00f6neliktir. Paras\u0131 sahte bir hesaba y\u00f6nlendirilen ancak o bankan\u0131n m\u00fc\u015fterisi olmayan zarar g\u00f6ren bak\u0131m\u0131ndan sorumluluk s\u00f6zle\u015fmeye de\u011fil, haks\u0131z fiile dayan\u0131r ve \u00e7ok daha dar bir alanda do\u011far. \u0130stanbul Anadolu 4. Asliye Ticaret [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7108,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u015e\u00fcpheli \u0130\u015flem Bildirimi ve Bankan\u0131n Sorumlulu\u011fu: Emsal Karar 2026<\/title>\n<meta name=\"description\" content=\"Bankan\u0131n objektif \u00f6zen borcu mudi olmayana uzar m\u0131? 7,2 milyon TL&#039;lik emsal kararda banka s\u0131n\u0131rl\u0131 sorumlu tutuldu. 5549 say\u0131l\u0131 Kanun \u015e\u0130B rehberi ve 7 karar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/defihukuk.com\/en\/supheli-islem-bildirimi-bankanin-sorumlulugu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u015e\u00fcpheli \u0130\u015flem Bildirimi ve Bankan\u0131n Sorumlulu\u011fu: Emsal Karar 2026\" \/>\n<meta property=\"og:description\" content=\"Bankan\u0131n objektif \u00f6zen borcu mudi olmayana uzar m\u0131? 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