{"id":9110,"date":"2026-08-17T12:09:00","date_gmt":"2026-08-17T12:09:00","guid":{"rendered":"https:\/\/defihukuk.com\/?p=9110"},"modified":"2026-08-17T20:17:11","modified_gmt":"2026-08-17T20:17:11","slug":"banka-dolandiriciligi","status":"publish","type":"post","link":"https:\/\/defihukuk.com\/en\/banka-dolandiriciligi\/","title":{"rendered":"Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131: T\u00fcrleri, Sorumluluk ve \u0130ade"},"content":{"rendered":"<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/defihukuk.com\/banka-dolandiriciligi\/#article\",\"headline\":\"Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131: T\u00fcrleri, Sorumluluk ve \u0130ade 2026\",\"description\":\"Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 t\u00fcrleri: sahte temsilci aramas\u0131, hesap ele ge\u00e7irme, kart su\u00e7lar\u0131 ve sahte kredi; TCK 158\/1-f cezalar\u0131, bankan\u0131n g\u00fcven kurumu sorumlulu\u011fu ve para iadesinin \u00fc\u00e7 hatt\u0131.\",\"url\":\"https:\/\/defihukuk.com\/banka-dolandiriciligi\/\",\"dateModified\":\"2026-08-17\",\"inLanguage\":\"tr\",\"author\":{\"@type\":\"Person\",\"name\":\"Av. Ahmet Karaca\",\"jobTitle\":\"Bankac\u0131l\u0131k ve Doland\u0131r\u0131c\u0131l\u0131k Su\u00e7lar\u0131 Uzman\u0131\",\"url\":\"https:\/\/defihukuk.com\/avukat-ahmet-karaca-kimdir\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/ahmet-karaca-\"]},\"publisher\":{\"@type\":\"LegalService\",\"name\":\"DeFi Hukuk B\u00fcrosu\",\"url\":\"https:\/\/defihukuk.com\",\"telephone\":\"+905313360981\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"So\u011fanl\u0131k Yeni Mahalle, Pegagaz Sokak, Kat:32 No:6A D:197\",\"addressLocality\":\"Kartal\",\"addressRegion\":\"\u0130stanbul\",\"postalCode\":\"34880\",\"addressCountry\":\"TR\"}},\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/defihukuk.com\/banka-dolandiriciligi\/\"},\"speakable\":{\"@type\":\"SpeakableSpecification\",\"cssSelector\":[\".dfh-speakable\",\".dfh-ai-answer\"]}},{\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131nda param geri 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yapmal\u0131y\u0131m?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Derhal bankay\u0131 resmi numaradan aray\u0131p i\u015flemlere itiraz ve al\u0131c\u0131 hesaplara bloke isteyin; arama kay\u0131tlar\u0131 ve mesajlarla ayn\u0131 g\u00fcn savc\u0131l\u0131\u011fa su\u00e7 duyurusu yap\u0131n. \u0130lk saatler paran\u0131n yakalanma penceresidir.\"}},{\"@type\":\"Question\",\"name\":\"Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n\u0131n cezas\u0131 nedir?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bili\u015fim ara\u00e7l\u0131 nitelikli doland\u0131r\u0131c\u0131l\u0131k TCK m.158\/1-f ile 4-10 y\u0131l; banka-kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 m.245 ile 3-8 y\u0131l hapis cezas\u0131 gerektirir.\"}},{\"@type\":\"Question\",\"name\":\"Hesab\u0131mdan gece yap\u0131lan transferleri banka neden engellemedi?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tam da dava konusu soru budur: yerle\u015fik i\u00e7tihatta bankalar g\u00fcven kurumudur ve ola\u011fan d\u0131\u015f\u0131 i\u015flem kal\u0131plar\u0131n\u0131 izlemekle y\u00fck\u00fcml\u00fcd\u00fcr; bu y\u00fck\u00fcm\u00fcn ihlali kusur sorumlulu\u011fu do\u011furur.\"}},{\"@type\":\"Question\",\"name\":\"Chargeback nedir, s\u00fcresi var m\u0131?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kartla yap\u0131lan i\u015flemlere kart kurulu\u015flar\u0131 kurallar\u0131 \u00e7er\u00e7evesinde bankan\u0131z \u00fczerinden itirazd\u0131r; s\u00fcreler kural setine g\u00f6re de\u011fi\u015fir ve dard\u0131r \u2014 itiraz gecikmeden a\u00e7\u0131lmal\u0131d\u0131r.\"}}]}]}<\/script><\/p>\n<style>@import url('https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600;700&display=swap');.dfh-wrap{width:100%;max-width:100%;font-family:'Poppins','Segoe UI',sans-serif!important;color:#000;font-size:1.12em;line-height:1.8;box-sizing:border-box}.dfh-wrap a{color:#000!important}.dfh-wrap 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.dfh-cta-btn.siyah:hover{background:#fff;color:#000!important}.dfh-cta-alt{font-size:.85em;color:#555;margin-top:8px}.ez-toc-container,.ez-toc-wrap,.toc_container,.wp-toc-container,[class*=\"ez-toc\"],[id*=\"ez-toc\"],[class*=\"toc_\"],[id*=\"toc_\"]{display:none!important}<\/style>\n<div class=\"dfh-wrap\">\n<div id=\"hizli-cevap\" class=\"dfh-speakable\">\n<h3>Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131: T\u00fcrleri, Banka Sorumlulu\u011fu ve Para \u0130adesi<\/h3>\n<p>Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n\u0131n d\u00f6rt yayg\u0131n kurgusu: <strong>sahte m\u00fc\u015fteri temsilcisi-g\u00fcvenlik aramalar\u0131<\/strong> (&#8220;hesab\u0131n\u0131z risk alt\u0131nda, paray\u0131 g\u00fcvenli hesaba aktar\u0131n&#8221;), <strong>hesap ele ge\u00e7irme<\/strong> (SMS-phishing ile mobil bankac\u0131l\u0131k giri\u015fleri), <strong>kart su\u00e7lar\u0131<\/strong> (kopyalama, bilgi \u00e7alma) ve <strong>sahte kredi-kampanya siteleri<\/strong>. Ceza boyutu: bili\u015fim ara\u00e7l\u0131 hallerde TCK m.158\/1-f (<strong>4-10 y\u0131l<\/strong>) ve kart su\u00e7lar\u0131nda m.245 (3-8 y\u0131l). En kritik hukuki ger\u00e7ek: para iadesi yaln\u0131zca failden de\u011fil, kusurlu <strong>bankadan da<\/strong> istenebilir \u2014 Yarg\u0131tay yerle\u015fik i\u00e7tihad\u0131na g\u00f6re bankalar g\u00fcven kurumudur ve ola\u011fan d\u0131\u015f\u0131 i\u015flemleri izleme, \u015f\u00fcpheli transferleri sorgulama, g\u00fcvenlik altyap\u0131s\u0131n\u0131 sa\u011flama y\u00fck\u00fcm\u00fc alt\u0131ndad\u0131r; bu y\u00fck\u00fcm\u00fc ihlal eden banka, ma\u011fdurun zarar\u0131ndan kusuru oran\u0131nda sorumlu tutulur. \u0130lk saat: bankay\u0131 aray\u0131p i\u015flemlere itiraz + bloke; ilk 24 saat: savc\u0131l\u0131\u011fa su\u00e7 duyurusu.<\/p>\n<\/div>\n<div class=\"dfh-ozet-grid\">\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">4 kurgu<\/span><span class=\"doi-label\">Arama, Ele Ge\u00e7irme,<br \/>\nKart, Sahte Kredi<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">4-10 y\u0131l<\/span><span class=\"doi-label\">TCK 158\/1-f<br \/>\nCeza Aral\u0131\u011f\u0131<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">2 muhatap<\/span><span class=\"doi-label\">Fail + Kusurlu<br \/>\nBanka<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">G\u00fcven kurumu<\/span><span class=\"doi-label\">Bankan\u0131n Y\u00fckseltilmi\u015f<br \/>\n\u00d6zen Borcu<\/span><\/div>\n<div class=\"dfh-ozet-item\"><span class=\"doi-sayi\">\u0130lk 1 saat<\/span><span class=\"doi-label\">\u0130tiraz ve Bloke<br \/>\nPenceresi<\/span><\/div>\n<\/div>\n<p>&#8220;Bankan\u0131z\u0131n g\u00fcvenlik biriminden ar\u0131yoruz&#8221; c\u00fcmlesiyle ba\u015flayan bir telefon, on dakika sonra birikiminizi &#8220;g\u00fcvenli hesaba&#8221; ta\u015f\u0131tm\u0131\u015f olabilir. Ya da hi\u00e7 telefon \u00e7almaz: bir sabah hesab\u0131n\u0131zda sizin yapmad\u0131\u011f\u0131n\u0131z transferler g\u00f6r\u00fcrs\u00fcn\u00fcz.<\/p>\n<p>Bu rehber banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n\u0131n iki katman\u0131n\u0131 birlikte anlat\u0131yor: <strong>ceza katman\u0131<\/strong> (failin bulunmas\u0131, su\u00e7 ve cezalar) ve ma\u011fdurlar\u0131n \u00e7o\u011funun bilmedi\u011fi <strong>tazminat katman\u0131<\/strong> \u2014 bankan\u0131n kendi kusurundan do\u011fan sorumlulu\u011fu. \u00c7\u00fcnk\u00fc bu dosyalarda para, san\u0131landan daha s\u0131k geri gelir; yeter ki iki katman birlikte i\u015fletilsin.<\/p>\n<p><em>\u2014 Av. Ahmet Karaca, DeFi Hukuk B\u00fcrosu<\/em><\/p>\n<hr class=\"dfh-divider\" \/>\n<div id=\"icerik\" class=\"dfh-toc\">\n<div class=\"dfh-toc-title\">Bu Yaz\u0131m\u0131zda Neler Bulacaks\u0131n\u0131z<\/div>\n<ol>\n<li><a href=\"\/#turler\">4 Yayg\u0131n Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 Kurgusu<\/a><\/li>\n<li><a href=\"\/#ceza\">Ceza Boyutu ve \u015eikayet<\/a><\/li>\n<li><a href=\"\/#banka-sorumlulugu\">Bankan\u0131n Sorumlulu\u011fu<\/a><\/li>\n<li><a href=\"\/#iade\">Para \u0130adesi: \u00dc\u00e7 Paralel Hat<\/a><\/li>\n<li><a href=\"\/#sss\">S\u0131k\u00e7a Sorulan Sorular (SSS)<\/a><\/li>\n<\/ol>\n<\/div>\n<h2 id=\"turler\">4 Yayg\u0131n Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 Kurgusu<\/h2>\n<div class=\"dfh-table-wrap\">\n<table class=\"dfh-table\">\n<thead>\n<tr>\n<th>Kurgu<\/th>\n<th>Senaryo<\/th>\n<th>\u0130lk Hamleniz<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Sahte temsilci-g\u00fcvenlik aramas\u0131<\/strong><\/td>\n<td>&#8220;Hesab\u0131n\u0131z sald\u0131r\u0131 alt\u0131nda&#8221; pani\u011fiyle \u015fifre-kod alma veya &#8220;g\u00fcvenli hesaba&#8221; transfer yapt\u0131rma; sahte polis-savc\u0131 varyant\u0131 dahil<\/td>\n<td>Telefonu kapat\u0131n, bankay\u0131 resmi numaradan siz aray\u0131n; yap\u0131lan transferlere derhal itiraz<\/td>\n<\/tr>\n<tr>\n<td><strong>Hesap ele ge\u00e7irme<\/strong><\/td>\n<td>Phishing SMS-e-postas\u0131yla mobil bankac\u0131l\u0131k bilgilerinin \u00e7al\u0131nmas\u0131; SIM kopyalamayla SMS onaylar\u0131n\u0131n a\u015f\u0131lmas\u0131<\/td>\n<td>T\u00fcm kanallar\u0131 kapatt\u0131r\u0131n, \u015fifreleri s\u0131f\u0131rlay\u0131n, i\u015flem d\u00f6k\u00fcm\u00fcn\u00fc al\u0131n<\/td>\n<\/tr>\n<tr>\n<td><strong>Kart su\u00e7lar\u0131<\/strong><\/td>\n<td>Kart kopyalama, e-ticarette bilgi \u00e7al\u0131nmas\u0131, habersiz harcamalar<\/td>\n<td>Kart\u0131 iptal + chargeback itiraz\u0131; <a href=\"https:\/\/defihukuk.com\/kart-kopyalama-ve-banka-sorumlulugu\/\">kart kopyalama rehberimiz<\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>Sahte kredi-kampanya<\/strong><\/td>\n<td>&#8220;D\u00fc\u015f\u00fck faizli kredi onayland\u0131&#8221; sitesi-aramas\u0131; dosya masraf\u0131-sigorta ad\u0131yla \u00f6n \u00f6deme toplama<\/td>\n<td>\u00d6n \u00f6deme yapmay\u0131n; \u00f6dediyseniz dekontlarla derhal \u015fikayet<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"ceza\">Ceza Boyutu ve \u015eikayet<\/h2>\n<ul class=\"dfh-checklist\">\n<li><strong>Su\u00e7lar:<\/strong> Bili\u015fim ara\u00e7l\u0131 nitelikli doland\u0131r\u0131c\u0131l\u0131k TCK m.158\/1-f (4-10 y\u0131l), banka-kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 m.245 (3-8 y\u0131l), banka-kredi kurumu ara\u00e7 k\u0131l\u0131narak doland\u0131r\u0131c\u0131l\u0131k m.158\/1-j<\/li>\n<li><strong>Nereye:<\/strong> Cumhuriyet Ba\u015fsavc\u0131l\u0131\u011f\u0131 veya polis-jandarma; teknik boyutta <a href=\"https:\/\/www.egm.gov.tr\/sibersuclarlamucadele\" target=\"_blank\" rel=\"dofollow noopener\">EGM Siber Su\u00e7larla M\u00fccadele<\/a><\/li>\n<li><strong>Deliller:<\/strong> \u0130\u015flem d\u00f6k\u00fcm\u00fc, arama kay\u0131tlar\u0131-numaralar\u0131, SMS-e-postalar, IP-cihaz kay\u0131tlar\u0131n\u0131n bankadan talebi<\/li>\n<li><strong>Sahte kamu g\u00f6revlisi varyant\u0131nda:<\/strong> <a href=\"https:\/\/defihukuk.com\/sahte-polis-savci-feto-dolandiriciligi\/\">sahte polis-savc\u0131 doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 rehberimiz<\/a><\/li>\n<li><strong>Genel yol haritas\u0131:<\/strong> <a href=\"https:\/\/defihukuk.com\/internetten-dolandirildim\/\">internetten doland\u0131r\u0131ld\u0131m rehberimiz<\/a><\/li>\n<\/ul>\n<div class=\"dfh-cta-wrap\"><a class=\"dfh-cta-btn\" href=\"https:\/\/defihukuk.com\/\">Kripto Para Avukat\u0131 \u2014 Hukuki Dan\u0131\u015fmanl\u0131k Al<\/a><\/p>\n<p class=\"dfh-cta-alt\">Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131nda iade ve sorumluluk analizi i\u00e7in uzman destek<\/p>\n<\/div>\n<h2 id=\"banka-sorumlulugu\">Bankan\u0131n Sorumlulu\u011fu: Az Bilinen \u0130kinci Kanal<\/h2>\n<div class=\"dfh-ai-answer\">\n<h3>G\u00fcven Kurumu Doktrini<\/h3>\n<p>Yarg\u0131tay&#8217;\u0131n yerle\u015fik yakla\u015f\u0131m\u0131nda bankalar s\u0131radan tacir de\u011fil, <strong>g\u00fcven kurumudur<\/strong>: toplad\u0131klar\u0131 mevduat\u0131 \u00f6zenle koruma, sistemlerini g\u00fcncel tehditlere kar\u015f\u0131 donatma ve ola\u011fan d\u0131\u015f\u0131 i\u015flemleri izleyip sorgulama y\u00fck\u00fcm\u00fc alt\u0131ndad\u0131rlar. Pratik yans\u0131malar\u0131: y\u0131llard\u0131r hareketsiz hesaptan dakikalar i\u00e7inde bo\u015falt\u0131lan birikim, gece saatlerinde art arda tavan limitli transferler, yeni cihazdan giri\u015fle an\u0131nda y\u00fcksek tutarl\u0131 i\u015flemler \u2014 bunlara kay\u0131ts\u0131z kalan banka, a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f \u00f6zen borcunu ihlal etmi\u015f say\u0131labilir ve zarardan kusuru oran\u0131nda sorumlu tutulur. Ma\u011fdurun \u015fifre-kod payla\u015f\u0131m\u0131 m\u00fcterafik kusur tart\u0131\u015fmas\u0131 do\u011furur ama bankan\u0131n sorumlulu\u011funu otomatik kald\u0131rmaz; kusur oranlar\u0131 somut olayda tart\u0131l\u0131r. Bu kanal; failin bulunamad\u0131\u011f\u0131 dosyalarda \u00e7o\u011fu zaman <strong>tek ger\u00e7ek\u00e7i tahsil yoludur<\/strong> ve ceza \u015fikayetiyle paralel y\u00fcr\u00fct\u00fclmelidir. Ayr\u0131nt\u0131: <a href=\"https:\/\/defihukuk.com\/supheli-islem-bildirimi-bankanin-sorumlulugu\/\">\u015f\u00fcpheli i\u015flem bildirimi ve banka sorumlulu\u011fu<\/a> | <a href=\"https:\/\/defihukuk.com\/forex-chargeback-banka-sorumlulugu\/\">chargeback rehberi<\/a>. Bankac\u0131l\u0131k d\u00fczenlemeleri i\u00e7in <a href=\"https:\/\/www.bddk.org.tr\/\" target=\"_blank\" rel=\"dofollow noopener\">BDDK<\/a> kaynak al\u0131n\u0131r.<\/p>\n<\/div>\n<h2 id=\"iade\">Para \u0130adesi: \u00dc\u00e7 Paralel Hat<\/h2>\n<div class=\"dfh-step-wrap\">\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">1<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Banka \u0130\u00e7i: \u0130tiraz + Bloke + Chargeback<\/p>\n<p>\u0130lk saat: i\u015flemlere yaz\u0131l\u0131 itiraz, al\u0131c\u0131 hesaplara bloke talebi; kart i\u015flemlerinde chargeback s\u00fcreci.<\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">2<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Ceza Hatt\u0131: Fail \u00dczerinden Tahsil<\/p>\n<p>Al\u0131c\u0131 hesap sahiplerinin tespiti, zincirin \u00e7\u00f6z\u00fclmesi, etkin pi\u015fmanl\u0131k iadeleri ve kat\u0131lma-tazminat; para kriptoya \u00e7evrildiyse on-chain takip + <a href=\"https:\/\/defihukuk.com\/calinan-kripto-paralar-nasil-geri-alinir-cmk-128-a-ve-bloke-sureci\/\">CMK 128\/A<\/a><\/p>\n<\/div>\n<\/div>\n<div class=\"dfh-step\">\n<div class=\"dfh-step-num\">3<\/div>\n<div class=\"dfh-step-body\">\n<p class=\"dfh-step-title\">Hukuk Hatt\u0131: Bankaya Kar\u015f\u0131 Dava<\/p>\n<p>Kusur analizine dayal\u0131 sorumluluk davas\u0131; i\u015flem saat-kal\u0131p analizleri ve g\u00fcvenlik loglar\u0131n\u0131n celbi ile ispat.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"dfh-blockquote\">\n<p>&#8220;Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 dosyalar\u0131nda ma\u011fdura sorulan ilk soru hep &#8216;\u015fifreni sen mi verdin&#8217; oluyor \u2014 sanki dosya orada bitiyormu\u015f gibi. Bitmiyor. As\u0131l soru \u015fu: senin panik i\u00e7inde yapt\u0131\u011f\u0131n hatay\u0131, milyarl\u0131k g\u00fcvenlik altyap\u0131s\u0131na sahip banka neden yakalamad\u0131? Gece 03.00&#8217;te, ilk kez g\u00f6r\u00fclen bir cihazdan, hesab\u0131n tamam\u0131n\u0131 bo\u015faltan transferler &#8216;ola\u011fan&#8217; say\u0131lamaz. Kusur tart\u0131\u015fmas\u0131 iki tarafl\u0131d\u0131r \u2014 ve biz o tart\u0131\u015fmay\u0131 a\u00e7may\u0131 biliriz.&#8221;<\/p>\n<p><em>\u2014 Av. Ahmet Karaca<\/em><\/p>\n<\/div>\n<div id=\"iletisim\" class=\"dfh-iletisim-box\">\n<p class=\"dfh-ib-title\">Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 \u2014 DeFi Hukuk B\u00fcrosu<\/p>\n<p>\u0130tiraz penceresi dard\u0131r \u2014 i\u015flemi g\u00f6rd\u00fc\u011f\u00fcn\u00fcz saat aray\u0131n.<\/p>\n<p>Telefon \/ WhatsApp: <strong>0531 336 09 81<\/strong><\/p>\n<p>Web: defihukuk.com\/<\/p>\n<p>Adres: So\u011fanl\u0131k Yeni Mahalle, Pegagaz Sokak, Kat:32 No:6A D:197, 34880 Kartal\/\u0130stanbul<\/p>\n<\/div>\n<h2 id=\"sss\">S\u0131k\u00e7a Sorulan Sorular (SSS)<\/h2>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131nda param geri al\u0131n\u0131r m\u0131?<\/p>\n<p class=\"dfh-faq-a\">\u00dc\u00e7 hattan m\u00fcmk\u00fcnd\u00fcr: banka i\u00e7i itiraz-bloke-chargeback, ceza dosyas\u0131 \u00fczerinden fail ve hesap sahiplerinden tahsil, ve bankan\u0131n g\u00fcvenlik-izleme kusuru varsa bankaya kar\u015f\u0131 sorumluluk davas\u0131.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">\u015eifremi kendim verdim, banka yine de sorumlu olur mu?<\/p>\n<p class=\"dfh-faq-a\">Olabilir \u2014 ma\u011fdurun kusuru, bankan\u0131n a\u011f\u0131rla\u015ft\u0131r\u0131lm\u0131\u015f \u00f6zen borcunu otomatik ortadan kald\u0131rmaz; ola\u011fan d\u0131\u015f\u0131 i\u015flemlere kay\u0131ts\u0131z kalan bankan\u0131n kusuru oran\u0131nda sorumlulu\u011fu tart\u0131\u015f\u0131l\u0131r (m\u00fcterafik kusur).<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">&#8216;Bankan\u0131zdan ar\u0131yoruz&#8217; dediler, para transfer ettim \u2014 ne yapmal\u0131y\u0131m?<\/p>\n<p class=\"dfh-faq-a\">Derhal bankay\u0131 resmi numaradan aray\u0131p i\u015flemlere itiraz ve al\u0131c\u0131 hesaplara bloke isteyin; arama kay\u0131tlar\u0131 ve mesajlarla ayn\u0131 g\u00fcn savc\u0131l\u0131\u011fa su\u00e7 duyurusu yap\u0131n. \u0130lk saatler paran\u0131n yakalanma penceresidir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n\u0131n cezas\u0131 nedir?<\/p>\n<p class=\"dfh-faq-a\">Bili\u015fim ara\u00e7l\u0131 nitelikli doland\u0131r\u0131c\u0131l\u0131k TCK m.158\/1-f ile 4-10 y\u0131l; banka-kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 m.245 ile 3-8 y\u0131l hapis cezas\u0131 gerektirir.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Hesab\u0131mdan gece yap\u0131lan transferleri banka neden engellemedi?<\/p>\n<p class=\"dfh-faq-a\">Tam da dava konusu soru budur: yerle\u015fik i\u00e7tihatta bankalar g\u00fcven kurumudur ve ola\u011fan d\u0131\u015f\u0131 i\u015flem kal\u0131plar\u0131n\u0131 izlemekle y\u00fck\u00fcml\u00fcd\u00fcr; bu y\u00fck\u00fcm\u00fcn ihlali kusur sorumlulu\u011fu do\u011furur.<\/p>\n<\/div>\n<div class=\"dfh-faq-item\">\n<p class=\"dfh-faq-q\">Chargeback nedir, s\u00fcresi var m\u0131?<\/p>\n<p class=\"dfh-faq-a\">Kartla yap\u0131lan i\u015flemlere kart kurulu\u015flar\u0131 kurallar\u0131 \u00e7er\u00e7evesinde bankan\u0131z \u00fczerinden itirazd\u0131r; s\u00fcreler kural setine g\u00f6re de\u011fi\u015fir ve dard\u0131r \u2014 itiraz gecikmeden a\u00e7\u0131lmal\u0131d\u0131r.<\/p>\n<\/div>\n<div class=\"dfh-cta-wrap\"><a class=\"dfh-cta-btn siyah\" href=\"https:\/\/defihukuk.com\/\">Kripto Para Avukat\u0131 \u2014 DeFi Hukuk B\u00fcrosu<\/a><\/p>\n<p class=\"dfh-cta-alt\">Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131, chargeback ve sorumluluk davalar\u0131nda dan\u0131\u015fmanl\u0131k<\/p>\n<\/div>\n<hr class=\"dfh-divider\" \/>\n<div class=\"dfh-author\">\n<div class=\"dfh-author-header\">\n<div class=\"dfh-author-info\">\n<p class=\"dfh-author-name\">Av. Ahmet Karaca<\/p>\n<p class=\"dfh-author-title\">Bankac\u0131l\u0131k ve Doland\u0131r\u0131c\u0131l\u0131k Su\u00e7lar\u0131 Uzman\u0131 | \u0130stanbul Barosu<\/p>\n<p class=\"dfh-author-bar\">TBB Sicil No: 234456 | Baro Sicil No: 92414 | \u0130stanbul Barosu | DeFi Hukuk B\u00fcrosu<\/p>\n<\/div>\n<\/div>\n<p class=\"dfh-author-bio\">Bu rehber, \u0130stanbul Barosu&#8217;na kay\u0131tl\u0131 (Sicil No: 92414), TBB Sicil No 234456 numaral\u0131 ruhsata sahip Av. Ahmet Karaca taraf\u0131ndan haz\u0131rlanm\u0131\u015ft\u0131r. Marmara \u00dcniversitesi Hukuk Fak\u00fcltesi&#8217;nden onur derecesiyle mezun olan Karaca; banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 dosyalar\u0131nda ma\u011fdur vekilli\u011fi, chargeback-bloke s\u00fcre\u00e7leri ve bankaya kar\u015f\u0131 kusur sorumlulu\u011fu davalar\u0131n\u0131 y\u00fcr\u00fctmektedir. Duke University (DeFi Primitives), Politecnico di Milano (AI &amp; Legal Issues) ve Lund University (AI &amp; Law) sertifika programlar\u0131n\u0131 tamamlam\u0131\u015f; Haberler.com&#8217;da &#8220;Bili\u015fim Avukat\u0131 | Kripto Para Avukat\u0131&#8221; k\u00f6\u015fe yazar\u0131 olarak g\u00f6rev yapmakta ve Udemy&#8217;de T\u00fcrkiye&#8217;nin ilk kapsaml\u0131 blockchain hukuku online e\u011fitimlerinden birini y\u00fcr\u00fctmektedir. Sorular\u0131n\u0131z i\u00e7in <a href=\"https:\/\/defihukuk.com\/\">kripto hukuku avukat\u0131<\/a> ve <a href=\"https:\/\/defihukuk.com\/\">kripto para avukat\u0131<\/a> deste\u011fimize, <a href=\"https:\/\/defihukuk.com\/kripto-para-dolandiriciligi\/\">kripto para doland\u0131r\u0131c\u0131l\u0131\u011f\u0131<\/a> rehberimize ba\u015fvurabilirsiniz.<\/p>\n<div class=\"dfh-author-creds\"><span class=\"dfh-cred\">Marmara \u00dcniversitesi Hukuk \u2014 Onur Derecesi<\/span><br \/>\n<span class=\"dfh-cred\">DeFi Primitives \u2014 Duke University<\/span><br \/>\n<span class=\"dfh-cred\">AI &amp; Legal Issues \u2014 Politecnico di Milano<\/span><br \/>\n<span class=\"dfh-cred\">AI &amp; Law \u2014 Lund University<\/span><br \/>\n<span class=\"dfh-cred\">UNICEF &amp; Habitat \u2014 Sertifikal\u0131 E\u011fitmen<\/span><br \/>\n<span class=\"dfh-cred\">Udemy \u2014 Blockchain ve Kripto Para Hukuku<\/span><br \/>\n<span class=\"dfh-cred\">Haberler.com K\u00f6\u015fe Yazar\u0131<\/span><br \/>\n<span class=\"dfh-cred\">\u0130stanbul Barosu Bili\u015fim Hukuku Komisyonu \u00dcyesi<\/span><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n\u0131n 4 kurgusu, ceza boyutu, Yarg\u0131tay&#8217;\u0131n g\u00fcven kurumu doktrini ile bankan\u0131n kusur sorumlulu\u011fu ve iade s\u00fcrecinin \u00fc\u00e7 paralel hatt\u0131.<\/p>","protected":false},"author":1,"featured_media":9137,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[130],"tags":[],"class_list":["post-9110","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dolandiricilik-suclari-avukati"],"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>Banka Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131: T\u00fcrleri, Sorumluluk ve \u0130ade<\/title>\n<meta name=\"description\" content=\"Banka doland\u0131r\u0131c\u0131l\u0131\u011f\u0131: sahte arama, hesap ele ge\u00e7irme ve kart su\u00e7lar\u0131; bankan\u0131n kusur sorumlulu\u011fu ve para iadesinin 3 hukuki hatt\u0131. 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