{"id":54153,"date":"2026-10-05T00:06:37","date_gmt":"2026-10-04T21:06:37","guid":{"rendered":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64.jpg"},"modified":"2026-10-05T00:10:39","modified_gmt":"2026-10-04T21:10:39","slug":"1-15-768x201-3513","status":"inherit","type":"attachment","link":"https:\/\/adanaseshaber.com.tr\/habercim\/foto-galeri\/iban-ile-para\/attachment\/1-15-768x201-3513\/","title":{"rendered":"IBAN ile para"},"author":2,"comment_status":"open","ping_status":"closed","template":"","meta":[],"description":{"rendered":"<p class=\"attachment\"><a href='https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64.jpg'><img width=\"300\" height=\"79\" src=\"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-300x79.jpg\" class=\"attachment-medium size-medium\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-300x79.jpg 300w, https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64.jpg 768w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n"},"caption":{"rendered":"<p>Hukuk\u00e7ular, vatanda\u015flar\u0131n son d\u00f6nemde yo\u011fun \u015fekilde kulland\u0131\u011f\u0131 IBAN yoluyla para transferleri nedeniyle hukuki sorun ya\u015famamas\u0131 i\u00e7in &#8220;a\u00e7\u0131klama&#8221; k\u0131sm\u0131n\u0131 doldurmas\u0131 ve bilmedikleri numaralara para g\u00f6ndermemesi uyar\u0131s\u0131nda bulundu.<br \/>\nDerlenen bilgilere g\u00f6re, vatanda\u015flar\u0131n son d\u00f6nemde \u00f6demelerinde s\u0131k s\u0131k kulland\u0131\u011f\u0131 IBAN yoluyla para transferi, baz\u0131 sak\u0131ncalar\u0131 da beraberinde getiriyor.<br \/>\nKredi kart\u0131 komisyonundan ka\u00e7\u0131nmak ya da fi\u015f ve fatura d\u00fczenlememek i\u00e7in m\u00fc\u015fterilerden IBAN yoluyla tahsilat yapmak isteyen baz\u0131 i\u015fletmeler, hizmeti sat\u0131n alan ki\u015fi a\u00e7\u0131s\u0131ndan da risk yarat\u0131yor.<\/p>\n<p>Ki\u015finin para g\u00f6nderdi\u011fi IBAN&#8217;\u0131n su\u00e7 gelirleri riski ya da ba\u015fka nedenlerle takip alt\u0131nda olmas\u0131, o hesaba para g\u00f6nderen ki\u015fi a\u00e7\u0131s\u0131ndan da hukuki sorun do\u011furabiliyor.<\/p>\n<p>&#8220;IBAN YOLUYLA G\u00d6NDER\u0130LEN PARA BAZI SONU\u00c7LAR DO\u011eURAB\u0130L\u0130R&#8221;<\/p>\n<p>TOBB ET\u00dc Hukuk Fak\u00fcltesi Ceza ve Ceza Muhakemesi Hukuku \u00d6\u011fretim \u00dcyesi Prof. Dr. Olgun De\u011firmenci, konuya ili\u015fkin AA muhabirine yapt\u0131\u011f\u0131 de\u011ferlendirmede, IBAN yoluyla para g\u00f6ndermenin, hukuki olarak sebebe dayal\u0131 i\u015flem oldu\u011funa i\u015faret etti.<\/p>\n<p>Para transferinde a\u00e7\u0131klama k\u0131sm\u0131na sebebin yaz\u0131lmas\u0131n\u0131n, en az\u0131ndan yanl\u0131\u015f anla\u015f\u0131lmalar\u0131 \u00f6nleyece\u011fine dikkati \u00e7eken De\u011firmenci, &#8220;Transfer yoluyla gelen parayla gelir elde edilmesi s\u00f6z konusu oldu\u011funda bir vergi de olu\u015fuyor. E\u011fer IBAN \u00fczerinden para g\u00f6nderimi herhangi bir s\u00f6zle\u015fme edimi ise s\u00f6z konusu hususun not edilmesi gereklidir.&#8221; dedi. De\u011firmenci, IBAN yoluyla g\u00f6nderilen paran\u0131n hesap sahibi ki\u015fi bak\u0131m\u0131ndan baz\u0131 sonu\u00e7lar do\u011furabilece\u011fi uyar\u0131s\u0131nda bulunarak, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n<p>&#8220;IBAN&#8217;\u0131na para g\u00f6nderilen ki\u015fi a\u00e7\u0131s\u0131ndan, Su\u00e7 Gelirlerinin Aklanmas\u0131n\u0131n \u00d6nlenmesi Hakk\u0131nda Kanun gere\u011fince \u015f\u00fcpheli i\u015flem bildirimi i\u00e7in hesaplar\u0131n takibi gerekebilir. Bu kapsamda bankalar taraf\u0131ndan yap\u0131lan bildirimler, Mali Su\u00e7lar\u0131 Ara\u015ft\u0131rma Kurulu (MASAK) b\u00fcnyesinde ilgilinin takibini gerektirebilir. IBAN&#8217;a g\u00f6nderilen paralar\u0131n kayna\u011f\u0131 su\u00e7 geliri olmasa bile su\u00e7 veya ter\u00f6r \u00f6rg\u00fctleri taraf\u0131ndan kullan\u0131lan hesaplardan gelen paralar, ilgili ki\u015fi bak\u0131m\u0131ndan s\u00f6z konusu \u00f6rg\u00fctlenmeye dahil oldu\u011fu y\u00f6n\u00fcnde \u015f\u00fcpheyi olu\u015fturabilir. IBAN&#8217;a para g\u00f6nderen a\u00e7\u0131s\u0131ndan, para g\u00f6nderilen IBAN&#8217;\u0131n su\u00e7 \u00f6rg\u00fct\u00fc b\u00fcnyesinde takip edilen bir hesap olmas\u0131 durumunda baz\u0131 sorunlarla kar\u015f\u0131la\u015f\u0131lmas\u0131 muhtemel olacakt\u0131r. Tabii ki gerek su\u00e7 gelirlerinin aklanmas\u0131 gerekse de ter\u00f6rizmin finansman\u0131 kapsam\u0131ndaki incelemelerde tek seferlik g\u00f6nderimlerden ziyade bir \u00f6rg\u00fc te\u015fkil etmesi durumu daha \u00f6nemlidir.&#8221; Tacir veya esnaf\u0131n IBAN&#8217;lar\u0131na yap\u0131lan \u00f6demelerde kural olarak al\u0131nan mal veya hizmetin belirtilmesinin \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131na dikkati \u00e7eken De\u011firmenci, &#8220;Para g\u00f6nderimi s\u00fcreklilik arz edecekse mutlaka mal ve hizmet al\u0131m\u0131na ili\u015fkin notun d\u00fc\u015f\u00fclmesi, gelecekte al\u0131nan mal veya hizmetin bedelinin \u00f6dendi\u011fine ili\u015fkin ihtilaflar\u0131 \u00f6nleyecektir.&#8221; diye konu\u015ftu.<\/p>\n<p>&#8220;\u0130\u015eLETMEYE KAYITLI IBAN KULLANILMALI&#8221;<\/p>\n<p>Ankara Sosyal Bilimler \u00dcniversitesi Hukuk Fak\u00fcltesi Mali Hukuk Ana Bilim Dal\u0131 \u00d6\u011fretim \u00dcyesi Prof. Dr. Mustafa \u00c7olak da ekonomide temel problemlerden birinin kay\u0131t d\u0131\u015f\u0131l\u0131k olgusu oldu\u011funu belirterek, kay\u0131t d\u0131\u015f\u0131l\u0131kla m\u00fccadeleye, y\u00fcr\u00fcrl\u00fc\u011fe konulan dijital uygulamalar ve denetim s\u00fcre\u00e7lerinin \u00f6nemli katk\u0131 sundu\u011funu s\u00f6yledi.<\/p>\n<p>IBAN yoluyla yap\u0131lan para transferlerinde yasal sorumluluk alt\u0131na girilmemesi i\u00e7in dikkat edilmesi gereken kritik noktalar bulundu\u011funa i\u015faret eden \u00c7olak, &#8220;Herhangi bir i\u015fletmeden mal ve hizmet al\u0131yorsan\u0131z, \u00f6demede i\u015fletme sahibinin veya bir \u00e7al\u0131\u015fan\u0131n \u015fahsi IBAN&#8217;\u0131n\u0131n de\u011fil, i\u015fletmenin kay\u0131tl\u0131 banka hesab\u0131na tan\u0131ml\u0131 IBAN kullan\u0131m\u0131na \u00f6zen g\u00f6sterilmelidir.&#8221; ifadesini kulland\u0131. \u00c7olak, al\u0131c\u0131lar taraf\u0131ndan IBAN transferinde al\u0131m ve sat\u0131ma konu i\u015flemin k\u0131saca belirtilmesinin \u00f6nemli oldu\u011funu belirterek, &#8220;\u00d6rne\u011fin &#8216;ara\u00e7 tamir kar\u015f\u0131l\u0131\u011f\u0131&#8217;, &#8216;X konutun sat\u0131\u015f tutar\u0131&#8217;, &#8216;Y plakal\u0131 arac\u0131n kaporas\u0131&#8217;, &#8216;\u00f6zel ders bedeli&#8217;, &#8216;taksi \u00fccreti&#8217; ve &#8216;muayene paras\u0131&#8217; gibi. \u0130leride do\u011fabilecek ticari uyu\u015fmazl\u0131klarda kan\u0131t olarak kullan\u0131labilecek, kay\u0131t d\u0131\u015f\u0131l\u0131kla m\u00fccadeleye katk\u0131 sunacakt\u0131r.&#8221; de\u011ferlendirmesinde bulundu.<\/p>\n<p>IBAN \u00fczerinden yap\u0131lan para transferlerinin, do\u011fru \u015fekilde gerek\u00e7elendirilmedi\u011fi takdirde mali ve hukuki a\u00e7\u0131dan ciddi ma\u011fduriyetlere yol a\u00e7abilece\u011fini bildiren, \u00c7olak, &#8220;Ticari bir faaliyet arz etmeyen, bireysel i\u015flemlere dayal\u0131 bor\u00e7 ve alacaklar ile hibe gibi \u00f6deme kalemleri d\u0131\u015f\u0131nda hesaba gelen y\u00fcksek tutarl\u0131 ve d\u00fczenli para transferleri, vergi denetimleri sonucu ticari nitelik ta\u015f\u0131d\u0131\u011f\u0131 tespit ve ispat edildi\u011finde, kay\u0131t d\u0131\u015f\u0131 gelir ve kazan\u00e7 olarak cezal\u0131 vergilendirmeye konu edilebilecektir.&#8221; bilgisini payla\u015ft\u0131. &#8220;ADL\u0130 SORU\u015eTURMA YAPILAB\u0130L\u0130R&#8221;<\/p>\n<p>\u00c7olak, kayna\u011f\u0131 belirsiz, y\u00fcksek tutarl\u0131 i\u015flemlere y\u00f6nelik su\u00e7 gelirlerinin aklanmas\u0131 veya ter\u00f6r\u00fcn finansman\u0131 su\u00e7uyla ili\u015fkili oldu\u011funa dair \u015f\u00fcphe bulunmas\u0131 \u00fczerine, banka hesaplar\u0131na ve mal varl\u0131klar\u0131na el konulabildi\u011fini, adli soru\u015fturma ve kovu\u015fturma yap\u0131labildi\u011fini belirterek, &#8220;\u0130leride ki\u015filerin ma\u011fduriyet ya\u015famamas\u0131 i\u00e7in yapt\u0131klar\u0131 IBAN transferlerine, &#8216;a\u00e7\u0131klama&#8217; yazmalar\u0131 ve gerek\u00e7elendirmeleri, bilmedikleri ve teyit etmedikleri IBAN kullanmamalar\u0131, mal ve hizmet ald\u0131klar\u0131 i\u015fletme unvanlar\u0131 ile IBAN e\u015fle\u015fmesine dikkat etmeleri, \u00f6demeleri kar\u015f\u0131l\u0131\u011f\u0131nda yasal belge istemeleri yerinde olacakt\u0131r.&#8221; dedi.<\/p>\n<p>Mal ve hizmet sunan ki\u015fi veya i\u015fletmelerin de zaman zaman nakit ve kartla \u00f6deme yerine IBAN&#8217;a para transferi talep etti\u011fine i\u015faret eden \u00c7olak, \u015funlar\u0131 kaydetti:<\/p>\n<p>&#8220;Verilen hizmet kar\u015f\u0131l\u0131\u011f\u0131nda, fatura, fi\u015f veya di\u011fer ge\u00e7erli belge aramak ve talep etmek, hizmetten faydalanan\u0131n hem hakk\u0131 hem de kanuni g\u00f6revidir. Son d\u00f6nemde yap\u0131lan vergi d\u00fczenlemeleriyle fatura ve di\u011fer vesikalar\u0131 d\u00fczenlemeyenler ve bunlar\u0131 almayanlara, art\u0131r\u0131lm\u0131\u015f \u00f6zel usuls\u00fczl\u00fck cezalar\u0131 uygulanmaktad\u0131r. Hizmet veren ki\u015fi IBAN ile \u00f6demeyi zorunlu tutuyor ancak ge\u00e7erli bir belge vermiyorsa Gelir \u0130daresi Ba\u015fkanl\u0131\u011f\u0131n\u0131n dijital kanallar\u0131 \u00fczerinden s\u00fcresinde bu i\u015flemlerin ihbar edilmesi, t\u00fcketiciler a\u00e7\u0131s\u0131ndan en g\u00fcvenli yol olacakt\u0131r. Aksi durumlarda, yani IBAN ile g\u00f6nderilen a\u00e7\u0131klamas\u0131z ve belgesiz transferler, ileride yap\u0131lacak denetim ve kontroller sonucunda hem al\u0131c\u0131lar hem de hizmet verenler a\u00e7\u0131s\u0131ndan ciddi mali k\u00fclfetlere ve vergi cezalar\u0131n\u0131n uygulanmas\u0131na yol a\u00e7abilecektir.&#8221; <\/p>\n<p>Kaynak : milliyet.com.tr<\/p>\n"},"alt_text":"","media_type":"image","mime_type":"image\/jpeg","media_details":{"width":768,"height":201,"file":"2026\/10\/1-15-768x201-64.jpg","sizes":{"medium":{"file":"1-15-768x201-64-300x79.jpg","width":300,"height":79,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-300x79.jpg"},"thumbnail":{"file":"1-15-768x201-64-150x150.jpg","width":150,"height":150,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-150x150.jpg"},"kucukResim":{"file":"1-15-768x201-64-80x50.jpg","width":80,"height":50,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-80x50.jpg"},"sliderResim":{"file":"1-15-768x201-64-670x201.jpg","width":670,"height":201,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-670x201.jpg"},"resim1":{"file":"1-15-768x201-64-184x140.jpg","width":184,"height":140,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-184x140.jpg"},"resim2":{"file":"1-15-768x201-64-216x103.jpg","width":216,"height":103,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-216x103.jpg"},"resim3":{"file":"1-15-768x201-64-145x70.jpg","width":145,"height":70,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-145x70.jpg"},"sagSlider":{"file":"1-15-768x201-64-300x150.jpg","width":300,"height":150,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-300x150.jpg"},"yeniSlider":{"file":"1-15-768x201-64-500x201.jpg","width":500,"height":201,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64-500x201.jpg"},"full":{"file":"1-15-768x201-64.jpg","width":768,"height":201,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":54151,"source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2026\/10\/1-15-768x201-64.jpg","_links":{"self":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/media\/54153"}],"collection":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/media"}],"about":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/types\/attachment"}],"author":[{"embeddable":true,"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/comments?post=54153"}]}}