{"id":1629,"date":"2026-10-01T10:40:00","date_gmt":"2026-10-01T07:40:00","guid":{"rendered":"https:\/\/ahmetgokhanmutlu.av.tr\/?p=1629"},"modified":"2026-10-01T12:50:48","modified_gmt":"2026-10-01T09:50:48","slug":"banka-kredi-kartinin-kotuye-kullanilmasi-tck-245","status":"publish","type":"post","link":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2026\/10\/01\/banka-kredi-kartinin-kotuye-kullanilmasi-tck-245\/","title":{"rendered":"Banka veya Kredi Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 (TCK 245): Cezas\u0131 ve Etkin Pi\u015fmanl\u0131k"},"content":{"rendered":"<p><!-- HK-YENI 2026-09-30 kaynak:p38 --><\/p>\n<div class=\"hk-guncel\"><span class=\"hk-guncel__etiket\">Mevzuat kontrol\u00fc<\/span> <time datetime=\"2026-09-30\">30 Eyl\u00fcl 2026<\/time><span class=\"hk-guncel__ayrac\">\u00b7<\/span><span>Kaynak: Resm\u00ee Gazete ve mevzuat.gov.tr<\/span><span class=\"hk-guncel__ayrac\">\u00b7<\/span><span>Yazar: <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/ankara-agir-ceza-avukati-avukat-ahmet-gokhan-mutlu\/\">Av. Ahmet G\u00f6khan Mutlu<\/a><\/span><\/div>\n<p>Banka veya kredi kart\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131, ba\u015fkas\u0131na ait bir kart\u0131 ele ge\u00e7iren ya da elinde bulunduran ki\u015finin, kart sahibinin r\u0131zas\u0131 olmadan bu kartla kendisine veya ba\u015fkas\u0131na yarar sa\u011flamas\u0131d\u0131r. TCK 245&#8217;te d\u00fczenlenen su\u00e7un temel h\u00e2li i\u00e7in \u00fc\u00e7 y\u0131ldan alt\u0131 y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcr.<\/p>\n<p>\u00d6rne\u011fin bir kafede masada unutulan kartla gece yar\u0131s\u0131 temass\u0131z \u00f6demeyle market al\u0131\u015fveri\u015fi yap\u0131ld\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnelim. Kart\u0131n bulunmas\u0131, elde tutulmas\u0131 ve kullan\u0131lmas\u0131, TCK 245\/1&#8217;in t\u00fcm unsurlar\u0131n\u0131 tamamlayabilir. Bu yaz\u0131, kart\u0131n fiziken ele ge\u00e7irildi\u011fi olaylarla internet al\u0131\u015fveri\u015finde yaln\u0131zca kart bilgilerinin kullan\u0131ld\u0131\u011f\u0131 olaylar\u0131 ay\u0131r\u0131yor, etkin pi\u015fmanl\u0131k imk\u00e2n\u0131n\u0131 ve 2025&#8217;te getirilen hesap ask\u0131ya alma yetkisini anlat\u0131yor.<\/p>\n<div class=\"hk-ozet\">\n<p class=\"hk-ozet__baslik\">K\u0131saca<\/p>\n<ul>\n<li>Ba\u015fkas\u0131n\u0131n kart\u0131n\u0131 r\u0131zas\u0131 olmadan kullanmak (m. 245\/1): 3\u20136 y\u0131l hapis ve 5.000 g\u00fcne kadar adli para cezas\u0131.<\/li>\n<li>Sahte kart \u00fcretmek veya satmak (m. 245\/2): 3\u20137 y\u0131l; sahte kart\u0131 kullanmak (m. 245\/3): 4\u20138 y\u0131l hapis.<\/li>\n<li>Yaln\u0131zca 245\/1&#8217;de etkin pi\u015fmanl\u0131k uygulan\u0131r: zarar kovu\u015fturma ba\u015flamadan tamamen giderilirse cezada \u00fc\u00e7te ikiye kadar indirim yap\u0131l\u0131r (m. 245\/5, 168).<\/li>\n<li>Su\u00e7 \u015fik\u00e2yete ba\u011fl\u0131 de\u011fildir ve uzla\u015ft\u0131rma kapsam\u0131nda de\u011fildir.<\/li>\n<li>7571 say\u0131l\u0131 Kanun&#8217;la 25.12.2025&#8217;ten beri banka, su\u00e7ta kullan\u0131lan hesab\u0131 48 saate kadar ask\u0131ya alabilir (CMK m. 128\/A). Ma\u011fdurun bankaya ve savc\u0131l\u0131\u011fa hemen ba\u015fvurmas\u0131 bu y\u00fczden \u00f6nemlidir.<\/li>\n<\/ul>\n<\/div>\n<h2>Kredi Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Su\u00e7u Nedir?<\/h2>\n<p>TCK 245\/1&#8217;in unsurlar\u0131 \u015f\u00f6yle s\u0131ralan\u0131r: ba\u015fkas\u0131na ait bir banka veya kredi kart\u0131, bu kart\u0131n \u201cher ne suretle olursa olsun\u201d ele ge\u00e7irilmesi ya da elde bulundurulmas\u0131, kart sahibinin veya kart\u0131n verilmesi gereken ki\u015finin r\u0131zas\u0131 olmadan kullan\u0131lmas\u0131 ya da kulland\u0131r\u0131lmas\u0131 ve bu kullan\u0131m sonucunda yarar sa\u011flanmas\u0131. Kart\u0131n \u00e7al\u0131nm\u0131\u015f, bulunmu\u015f ya da postadan al\u0131nm\u0131\u015f olmas\u0131 sonucu de\u011fi\u015ftirmez.<\/p>\n<p>Su\u00e7, yarar sa\u011fland\u0131\u011f\u0131 anda tamamlan\u0131r. Kart elde tutuldu\u011fu h\u00e2lde hi\u00e7 kullan\u0131lmam\u0131\u015fsa ya da kullanma denemesi reddedilmi\u015fse su\u00e7 tamamlanmam\u0131\u015f olabilir; bu durumda te\u015febb\u00fcs h\u00fck\u00fcmleri tart\u0131\u015f\u0131l\u0131r. Bili\u015fim alan\u0131ndaki su\u00e7lar\u0131n genel s\u0131n\u0131fland\u0131rmas\u0131 <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2021\/08\/24\/bilisim-suclari\/\">bili\u015fim su\u00e7lar\u0131 yaz\u0131m\u0131zda<\/a> yer ald\u0131\u011f\u0131 i\u00e7in burada yaln\u0131zca TCK 245&#8217;e odaklan\u0131yoruz.<\/p>\n<p>Kanun banka kart\u0131 ile kredi kart\u0131n\u0131 ay\u0131rmaz. Banka kart\u0131 ile yap\u0131lan ATM \u00e7ekimi, kredi kart\u0131 ile yap\u0131lan al\u0131\u015fveri\u015f ya da temass\u0131z \u00f6deme ayn\u0131 f\u0131kra kapsam\u0131nda de\u011ferlendirilir.<\/p>\n<h2>TCK 245 F\u0131kralar\u0131na G\u00f6re Ceza Ne Kadar?<\/h2>\n<div class=\"hk-tablo\">\n<table>\n<thead>\n<tr>\n<th>F\u0131kra<\/th>\n<th>Fiil<\/th>\n<th>Ceza<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>245\/1<\/td>\n<td>Ba\u015fkas\u0131na ait kart\u0131 r\u0131zas\u0131 olmadan kullanarak yarar sa\u011flama<\/td>\n<td>3\u20136 y\u0131l hapis ve 5.000 g\u00fcne kadar adli para<\/td>\n<\/tr>\n<tr>\n<td>245\/2<\/td>\n<td>Ba\u015fkalar\u0131n\u0131n hesaplar\u0131yla ili\u015fkilendirilmi\u015f sahte kart \u00fcretme, satma, devretme, sat\u0131n alma, kabul etme<\/td>\n<td>3\u20137 y\u0131l hapis ve 10.000 g\u00fcne kadar adli para<\/td>\n<\/tr>\n<tr>\n<td>245\/3<\/td>\n<td>Sahte olu\u015fturulan veya \u00fczerinde sahtecilik yap\u0131lan kart\u0131 kullanarak yarar sa\u011flama<\/td>\n<td>4\u20138 y\u0131l hapis ve 5.000 g\u00fcne kadar adli para<\/td>\n<\/tr>\n<tr>\n<td>245\/4<\/td>\n<td>245\/1&#8217;in e\u015f, \u00fcstsoy, altsoy, evlatl\u0131k veya ayn\u0131 konutta ya\u015fayan karde\u015f zarar\u0131na i\u015flenmesi<\/td>\n<td>Cezaya h\u00fckmolunmaz<\/td>\n<\/tr>\n<tr>\n<td>245\/A<\/td>\n<td>Bu su\u00e7lar i\u00e7in yap\u0131lm\u0131\u015f cihaz veya program \u00fcretme, satma, bulundurma<\/td>\n<td>1\u20133 y\u0131l hapis ve 5.000 g\u00fcne kadar adli para<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>245\/3&#8217;te kanun bir s\u0131n\u0131r koyar: fiil daha a\u011f\u0131r cezay\u0131 gerektiren ba\u015fka bir su\u00e7 olu\u015fturmuyorsa bu f\u0131kra uygulan\u0131r. Kopyalanm\u0131\u015f kart \u00fcretip kullanan ki\u015fi hakk\u0131nda 245\/2 ve 245\/3 ayr\u0131 ayr\u0131 g\u00fcndeme gelebilir.<\/p>\n<figure class=\"hk-gorsel\"><img src=\"https:\/\/ahmetgokhanmutlu.av.tr\/wp-content\/uploads\/2026\/09\/banka-kredi-kartinin-kotuye-kullanilmasi-tck-245-1.webp\" alt=\"Kredi kart\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7unda TCK 245 f\u0131kralar\u0131na g\u00f6re ceza aral\u0131klar\u0131n\u0131 g\u00f6steren tablo\" width=\"1200\" height=\"664\" loading=\"lazy\" decoding=\"async\" \/><figcaption>TCK 245: F\u0131kralara G\u00f6re Ceza<\/figcaption><\/figure>\n<h2>\u0130nternet Al\u0131\u015fveri\u015finde Kart Bilgilerinin Kullan\u0131lmas\u0131<\/h2>\n<p>Bug\u00fcn pek \u00e7ok dosyada fiziki kart hi\u00e7 ele ge\u00e7irilmez. Kart numaras\u0131, son kullanma tarihi ve g\u00fcvenlik kodu bir \u015fekilde \u00f6\u011frenilir ve internet al\u0131\u015fveri\u015finde kullan\u0131l\u0131r. TCK 245\/1&#8217;in metni \u201ckart\u201d \u00fczerinden kurulmu\u015ftur; bu y\u00fczden yaln\u0131zca kart bilgilerinin kullan\u0131ld\u0131\u011f\u0131 olaylarda hangi h\u00fckm\u00fcn uygulanaca\u011f\u0131, bilgilerin nas\u0131l elde edildi\u011fine ve i\u015flemin nas\u0131l yap\u0131ld\u0131\u011f\u0131na g\u00f6re belirlenir.<\/p>\n<p>Somut olayda d\u00f6rt h\u00fck\u00fcm kar\u015f\u0131la\u015ft\u0131r\u0131l\u0131r: TCK 245\/1 (ba\u015fkas\u0131na ait kart\u0131n kullan\u0131lmas\u0131), 245\/3 (sahte olu\u015fturulan kart), 142\/2-e (bili\u015fim sistemlerinin kullan\u0131lmas\u0131yla h\u0131rs\u0131zl\u0131k) ve 158\/1-f (bili\u015fim sistemlerinin veya bankalar\u0131n ara\u00e7 olarak kullan\u0131lmas\u0131yla doland\u0131r\u0131c\u0131l\u0131k). Hangisinin se\u00e7ildi\u011fi yaln\u0131zca ceza aral\u0131\u011f\u0131n\u0131 de\u011fil, etkin pi\u015fmanl\u0131k oran\u0131n\u0131 ve HAGB ihtimalini de de\u011fi\u015ftirir. Bu nedenle iddianamedeki su\u00e7 vasf\u0131, savunman\u0131n ilk kontrol edece\u011fi noktad\u0131r.<\/p>\n<p>Bu bilgilerin elde edilmesi de ayr\u0131 bir su\u00e7 olu\u015fturabilir. Ki\u015fisel verilerin hukuka ayk\u0131r\u0131 ele ge\u00e7irilmesi (TCK 136) ya da kimlik bilgileriyle i\u015flem yap\u0131lmas\u0131 bu dosyalarda s\u0131k\u00e7a birlikte an\u0131l\u0131r. Kimlik bilgilerinin kullan\u0131lmas\u0131yla ilgili h\u00fck\u00fcmler i\u00e7in <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2023\/08\/16\/baskasina-ait-kimlik-ve-kimlik-bilgilerinin-kullanilmasi-sucu-ve-cezasi\/\">ba\u015fkas\u0131na ait kimlik bilgilerinin kullan\u0131lmas\u0131 yaz\u0131m\u0131za<\/a> bakabilirsiniz.<\/p>\n<div class=\"hk-not hk-not--bilgi\">\n<p><strong>S\u00fcre i\u015fliyor olabilir:<\/strong> Ceza dosyalar\u0131nda itiraz, \u015fik\u00e2yet ve kanun yolu s\u00fcreleri k\u0131sad\u0131r. Somut dosyan\u0131z\u0131 de\u011ferlendirmek i\u00e7in <a href=\"tel:+905327145045\">0 532 714 50 45<\/a> numaras\u0131ndan veya <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/ankara-agir-ceza-avukati-iletisim\/\">ileti\u015fim sayfas\u0131ndan<\/a> ula\u015fabilirsiniz.<\/p>\n<\/div>\n<h2>TCK 158\/1-f ve 142\/2-e ile Kredi Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Ayr\u0131m\u0131<\/h2>\n<p>Ayr\u0131m\u0131n merkezinde aldatma vard\u0131r. Kart sahibi, kendini banka g\u00f6revlisi olarak tan\u0131tan birine telefonda kart bilgilerini ve onay kodunu kendi iradesiyle veriyorsa ortada bir hile ve aldat\u0131lma bulunur. Bu tablo nitelikli doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 g\u00fcndeme getirir. TCK 158\/1&#8217;e g\u00f6re ceza 3\u201310 y\u0131l hapistir; (f) ve (l) bentlerinde hapis cezas\u0131n\u0131n alt s\u0131n\u0131r\u0131 d\u00f6rt y\u0131ldan, adli para cezas\u0131 da su\u00e7tan elde edilen menfaatin iki kat\u0131ndan az olamaz. Doland\u0131r\u0131c\u0131l\u0131\u011f\u0131n temel \u00e7er\u00e7evesi i\u00e7in <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2019\/08\/28\/dolandiricilik-suclari-5237-sayili-tck-157-maddesi\/\">doland\u0131r\u0131c\u0131l\u0131k su\u00e7lar\u0131 yaz\u0131m\u0131za<\/a> bakabilirsiniz.<\/p>\n<p>Kart sahibi hi\u00e7 aldat\u0131lmadan, kart ya da bilgileri r\u0131zas\u0131 d\u0131\u015f\u0131nda kullan\u0131l\u0131yorsa TCK 245 veya bili\u015fim yoluyla h\u0131rs\u0131zl\u0131k \u00f6ne \u00e7\u0131kar. \u00d6rne\u011fin internet bankac\u0131l\u0131\u011f\u0131 \u015fifresi ele ge\u00e7irilip ma\u011fdurun hesab\u0131ndan ba\u015fka hesaba para g\u00f6nderilmesi 142\/2-e kapsam\u0131nda tart\u0131\u015f\u0131l\u0131r ve 5\u201310 y\u0131l hapis \u00f6ng\u00f6r\u00fcl\u00fcr.<\/p>\n<div class=\"hk-tablo\">\n<table>\n<thead>\n<tr>\n<th>Olay<\/th>\n<th>De\u011ferlendirilecek h\u00fck\u00fcm<\/th>\n<th>Ceza<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Bulunan veya \u00e7al\u0131nan kartla \u00f6deme<\/td>\n<td>TCK 245\/1<\/td>\n<td>3\u20136 y\u0131l<\/td>\n<\/tr>\n<tr>\n<td>Kopyalanm\u0131\u015f kartla ATM&#8217;den \u00e7ekim<\/td>\n<td>TCK 245\/3 (\u00fcretim i\u00e7in 245\/2)<\/td>\n<td>4\u20138 y\u0131l<\/td>\n<\/tr>\n<tr>\n<td>Kendini banka g\u00f6revlisi tan\u0131t\u0131p kart bilgisi ve kod alma<\/td>\n<td>TCK 158\/1-f, l<\/td>\n<td>3\u201310 y\u0131l; alt s\u0131n\u0131r 4 y\u0131l<\/td>\n<\/tr>\n<tr>\n<td>Ele ge\u00e7irilen internet bankac\u0131l\u0131\u011f\u0131 \u015fifresiyle havale<\/td>\n<td>TCK 142\/2-e<\/td>\n<td>5\u201310 y\u0131l<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Kendi kart\u0131n\u0131 veya hesap eri\u015fim bilgilerini haks\u0131z menfaat amac\u0131yla ba\u015fkas\u0131na veren ki\u015fi ise doland\u0131r\u0131c\u0131l\u0131\u011fa i\u015ftirak nedeniyle yarg\u0131lanabilir. 7589 say\u0131l\u0131 Kanun&#8217;la eklenen TCK 158\/4&#8217;e g\u00f6re i\u015ftirak yaln\u0131zca bu vermeyle s\u0131n\u0131rl\u0131ysa ceza yar\u0131 oran\u0131nda indirilir. \u0130\u015ftirak kurallar\u0131 i\u00e7in <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2023\/07\/28\/suca-istirak-faillik\/\">su\u00e7a i\u015ftirak ve faillik yaz\u0131m\u0131za<\/a> bakabilirsiniz.<\/p>\n<figure class=\"hk-gorsel\"><img src=\"https:\/\/ahmetgokhanmutlu.av.tr\/wp-content\/uploads\/2026\/09\/banka-kredi-kartinin-kotuye-kullanilmasi-tck-245-2.webp\" alt=\"Kart ve bili\u015fim olaylar\u0131nda TCK 245, 158\/1-f ve 142\/2-e ayr\u0131m\u0131n\u0131 \u00f6zetleyen kart\" width=\"1200\" height=\"612\" loading=\"lazy\" decoding=\"async\" \/><figcaption>Hangi Olay Hangi Madde?<\/figcaption><\/figure>\n<h2>Etkin Pi\u015fmanl\u0131k ve Akrabal\u0131k H\u00e2li<\/h2>\n<p>TCK 245\/5, birinci f\u0131kra kapsam\u0131ndaki fiiller i\u00e7in malvarl\u0131\u011f\u0131na kar\u015f\u0131 su\u00e7lardaki etkin pi\u015fmanl\u0131k h\u00fck\u00fcmlerinin uygulanaca\u011f\u0131n\u0131 belirtir. Bu, TCK 168&#8217;e yap\u0131lm\u0131\u015f bir g\u00f6ndermedir. Buna g\u00f6re kovu\u015fturma ba\u015flamadan \u00f6nce fail, azmettiren veya yard\u0131m eden, bizzat pi\u015fmanl\u0131k g\u00f6stererek ma\u011fdurun zarar\u0131n\u0131 aynen iade veya tazminle tamamen giderirse ceza \u00fc\u00e7te ikiye kadar indirilir. Kovu\u015fturma ba\u015flad\u0131ktan sonra, h\u00fck\u00fcmden \u00f6nce giderilirse indirim yar\u0131ya kadard\u0131r. K\u0131smi iadede ma\u011fdurun r\u0131zas\u0131 aran\u0131r.<\/p>\n<p>Etkin pi\u015fmanl\u0131k 245\/2 ve 245\/3 i\u00e7in \u00f6ng\u00f6r\u00fclmemi\u015ftir. Kart \u00fcreten veya sahte kart\u0131 kullanan ki\u015fi zarar\u0131 giderse de bu h\u00fck\u00fcmden yararlanamaz; zarar\u0131n giderilmesi yaln\u0131zca takdiri indirim (m. 62) ve HAGB ko\u015fullar\u0131 bak\u0131m\u0131ndan \u00f6nem ta\u015f\u0131r.<\/p>\n<p>245\/4 ise akrabal\u0131k i\u00e7in \u00f6zel bir kural koyar: 245\/1&#8217;deki fiil ayr\u0131l\u0131k karar\u0131 olmayan e\u015fin, \u00fcstsoy veya altsoyun, evlat edinen ya da evlatl\u0131\u011f\u0131n veya ayn\u0131 konutta ya\u015fayan karde\u015fin zarar\u0131na i\u015flenmi\u015fse ilgili akraba hakk\u0131nda cezaya h\u00fckmolunmaz.<\/p>\n<h2>Kredi Kart\u0131n\u0131n K\u00f6t\u00fcye Kullan\u0131lmas\u0131 Durumunda Ne Yap\u0131lmal\u0131?<\/h2>\n<h3>Kart\u0131n\u0131z izinsiz kullan\u0131ld\u0131ysa<\/h3>\n<ol>\n<li><strong>Bankay\u0131 hemen aray\u0131n.<\/strong> Kart\u0131 kullan\u0131ma kapatt\u0131r\u0131n, izinsiz i\u015flemleri tek tek bildirin ve ba\u015fvuru numaras\u0131n\u0131 kaydedin.<\/li>\n<li><strong>Delilleri saklay\u0131n.<\/strong> Hesap ekstresi, i\u015flem bildirim SMS&#8217;leri, arama kay\u0131tlar\u0131 ve varsa sahte mesajlar\u0131n ekran g\u00f6r\u00fcnt\u00fcleri dosyan\u0131n temelidir.<\/li>\n<li><strong>Savc\u0131l\u0131\u011fa ba\u015fvurun.<\/strong> Su\u00e7 \u015fik\u00e2yete ba\u011fl\u0131 de\u011fildir; ihbarla da soru\u015fturma a\u00e7\u0131l\u0131r. CMK 12\/6&#8217;ya g\u00f6re banka kart\u0131 veya bili\u015fim sistemiyle i\u015flenen su\u00e7larda ma\u011fdurun yerle\u015fim yeri mahkemesi de yetkilidir; bu y\u00fczden bulundu\u011funuz yerdeki Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na ba\u015fvurabilirsiniz.<\/li>\n<li><strong>Hesap ask\u0131ya almay\u0131 takip edin.<\/strong> CMK 128\/A uyar\u0131nca paran\u0131n g\u00f6nderildi\u011fi hesap banka taraf\u0131ndan 48 saate kadar ask\u0131ya al\u0131nabilir; bu s\u00fcrede h\u00e2kim karar\u0131 veya savc\u0131 emriyle el konulabilir. Paran\u0131n size ait oldu\u011fu anla\u015f\u0131l\u0131rsa soru\u015fturma veya kovu\u015fturma a\u015famas\u0131nda iade edilir.<\/li>\n<li><strong>Davaya kat\u0131l\u0131n.<\/strong> Kamu davas\u0131 a\u00e7\u0131l\u0131rsa h\u00fck\u00fcm verilinceye kadar kat\u0131lan olabilirsiniz (CMK m. 237).<\/li>\n<\/ol>\n<h3>Hakk\u0131n\u0131zda soru\u015fturma varsa<\/h3>\n<ol>\n<li>\u0130fadeden \u00f6nce m\u00fcdafi isteyin; CMK 150\/1&#8217;e g\u00f6re bu kanuni bir hakt\u0131r.<\/li>\n<li>Hesab\u0131n\u0131z ask\u0131ya al\u0131nd\u0131ysa, kald\u0131r\u0131lmas\u0131 i\u00e7in Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na ba\u015fvurabilirsiniz; savc\u0131 24 saat i\u00e7inde karar verir (CMK m. 128\/A-2).<\/li>\n<li>245\/1 kapsam\u0131ndaysan\u0131z zarar\u0131 iddianame kabul edilmeden tamamen gidermek, en y\u00fcksek indirimi sa\u011flar.<\/li>\n<li>Gerek\u00e7eli karar tebli\u011finden itibaren iki hafta i\u00e7inde istinaf yoluna ba\u015fvurulabilir (CMK m. 273). Ayr\u0131nt\u0131lar <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2017\/02\/15\/ceza-muhakemesinde-istinaf\/\">ceza muhakemesinde istinaf yaz\u0131m\u0131zda<\/a>.<\/li>\n<\/ol>\n<div class=\"hk-not hk-not--uyari\">\n<p><strong>S\u00fcre ve hak kayb\u0131 riski:<\/strong> Bankan\u0131n hesap ask\u0131ya alma yetkisi en fazla 48 saattir (CMK m. 128\/A). Bildirim geciktik\u00e7e paran\u0131n ba\u015fka hesaplara aktar\u0131lma ihtimali artar. \u015e\u00fcpheli a\u00e7\u0131s\u0131ndan 245\/1&#8217;deki \u00fc\u00e7te ikilik indirim yaln\u0131zca kovu\u015fturma ba\u015flamadan yap\u0131lan tam \u00f6demeye tan\u0131n\u0131r. Bu a\u015famada bir avukattan destek almak s\u00fcre kayb\u0131n\u0131 \u00f6nler.<\/p>\n<\/div>\n<h2>Olas\u0131 Sonu\u00e7lar: HAGB, Erteleme, Uzla\u015fma ve Mahkeme<\/h2>\n<div class=\"hk-tablo\">\n<table>\n<thead>\n<tr>\n<th>Konu<\/th>\n<th>245\/1<\/th>\n<th>245\/2 ve 245\/3<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ceza aral\u0131\u011f\u0131<\/td>\n<td>3\u20136 y\u0131l hapis ve adli para<\/td>\n<td>3\u20137 y\u0131l \/ 4\u20138 y\u0131l hapis ve adli para<\/td>\n<\/tr>\n<tr>\n<td>Etkin pi\u015fmanl\u0131k<\/td>\n<td>Var (m. 245\/5, 168)<\/td>\n<td>Yok<\/td>\n<\/tr>\n<tr>\n<td>HAGB ve erteleme<\/td>\n<td>\u0130ndirimlerle sonu\u00e7 ceza 2 y\u0131l veya alt\u0131na inerse m\u00fcmk\u00fcn<\/td>\n<td>Takdiri indirimle bile alt s\u0131n\u0131r 2 y\u0131l\u0131n \u00fczerinde kald\u0131\u011f\u0131ndan te\u015febb\u00fcs gibi ek indirim olmad\u0131k\u00e7a g\u00fc\u00e7<\/td>\n<\/tr>\n<tr>\n<td>Uzla\u015fma ve \u015fik\u00e2yet<\/td>\n<td>Uzla\u015ft\u0131rma yok; \u015fik\u00e2yet aranmaz<\/td>\n<td>Uzla\u015ft\u0131rma yok; \u015fik\u00e2yet aranmaz<\/td>\n<\/tr>\n<tr>\n<td>G\u00f6revli mahkeme<\/td>\n<td>Asliye ceza<\/td>\n<td>Asliye ceza<\/td>\n<\/tr>\n<tr>\n<td>Dava zamana\u015f\u0131m\u0131<\/td>\n<td>15 y\u0131l<\/td>\n<td>15 y\u0131l<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Hesap \u015f\u00f6yle y\u00fcr\u00fcr: 245\/1&#8217;de alt s\u0131n\u0131rdan belirlenen \u00fc\u00e7 y\u0131ll\u0131k ceza, kovu\u015fturmadan \u00f6nce tam \u00f6deme ile \u00fc\u00e7te iki indirilirse bir y\u0131la iner. Bu durumda HAGB, erteleme ve hatta adli para cezas\u0131na \u00e7evirme g\u00fcndeme gelebilir. 7589 sonras\u0131 CMK 231&#8217;e g\u00f6re HAGB i\u00e7in zarar\u0131n giderilmesi \u015fartt\u0131r; derhal \u00f6denemiyorsa denetim s\u00fcresinde ayl\u0131k taksitle \u00f6deme ko\u015fulu da konabilir.<\/p>\n<div class=\"hk-not hk-not--uyari\">\n<p><strong>2025\u20132026 de\u011fi\u015fiklikleri:<\/strong> TCK 245&#8217;in metni de\u011fi\u015fmemi\u015ftir. Ancak 7571 say\u0131l\u0131 Kanun&#8217;la eklenen CMK 128\/A, 25.12.2025&#8217;ten itibaren TCK 245, 142\/2-e ve 158\/1-f, l su\u00e7lar\u0131nda su\u00e7ta kullan\u0131lan hesab\u0131n 48 saate kadar ask\u0131ya al\u0131nmas\u0131na ve el konulmas\u0131na imk\u00e2n verir. 7589 say\u0131l\u0131 Kanun&#8217;la eklenen TCK 158\/4 (kart veya hesap bilgisini vermekle s\u0131n\u0131rl\u0131 i\u015ftirakte yar\u0131 oran\u0131nda indirim) ve yeniden d\u00fczenlenen CMK 231 (HAGB) 31.07.2026&#8217;da y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015ftir. Su\u00e7 tarihine g\u00f6re lehe kanun (TCK m. 7) de\u011ferlendirilmelidir.<\/p>\n<\/div>\n<figure class=\"hk-gorsel\"><img src=\"https:\/\/ahmetgokhanmutlu.av.tr\/wp-content\/uploads\/2026\/09\/banka-kredi-kartinin-kotuye-kullanilmasi-tck-245-3.webp\" alt=\"Kart\u0131 izinsiz kullan\u0131lan ma\u011fdurun banka, savc\u0131l\u0131k ve hesap ask\u0131ya alma ad\u0131mlar\u0131n\u0131 g\u00f6steren \u015fema\" width=\"1200\" height=\"764\" loading=\"lazy\" decoding=\"async\" \/><figcaption>Kart\u0131n\u0131z \u0130zinsiz Kullan\u0131ld\u0131ysa<\/figcaption><\/figure>\n<p>Bili\u015fim ara\u00e7lar\u0131yla i\u015flenen su\u00e7larda soru\u015fturma ve delil s\u00fcre\u00e7leri i\u00e7in <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/bilisim-hukuku-ankara-agir-ceza-avukati\/\">bili\u015fim hukuku sayfam\u0131za<\/a> g\u00f6z atabilirsiniz.<\/p>\n<h2>Kredi Kart\u0131 Su\u00e7lar\u0131 Hakk\u0131nda S\u0131k Sorulan Sorular<\/h2>\n<div class=\"hk-sss\">\n<details>\n<summary>Buldu\u011fum kartla al\u0131\u015fveri\u015f yapmak hangi su\u00e7tur?<\/summary>\n<p>TCK 245\/1 kapsam\u0131nda kredi kart\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7udur. Kanun kart\u0131n \u201cher ne suretle olursa olsun\u201d ele ge\u00e7irilmesini yeterli sayar; bulunmu\u015f olmas\u0131 sonucu de\u011fi\u015ftirmez. Ceza 3\u20136 y\u0131l hapis ve 5.000 g\u00fcne kadar adli para cezas\u0131d\u0131r. Zarar kovu\u015fturmadan \u00f6nce tamamen giderilirse \u00fc\u00e7te ikiye kadar indirim yap\u0131l\u0131r.<\/p>\n<\/details>\n<details>\n<summary>Kredi kart\u0131 su\u00e7unda \u015fik\u00e2yetten vazge\u00e7ilirse dava d\u00fc\u015fer mi?<\/summary>\n<p>Hay\u0131r, d\u00fc\u015fmez. TCK 245 \u015fik\u00e2yete ba\u011fl\u0131 de\u011fildir ve uzla\u015ft\u0131rma kapsam\u0131nda da yer almaz. Kart sahibinin zarar\u0131n\u0131n kar\u015f\u0131lanmas\u0131, 245\/1&#8217;de etkin pi\u015fmanl\u0131k indirimi ve HAGB ko\u015fulu bak\u0131m\u0131ndan \u00f6nem ta\u015f\u0131r; ancak davay\u0131 sona erdirmez.<\/p>\n<\/details>\n<details>\n<summary>E\u015fimin kart\u0131n\u0131 izinsiz kullan\u0131rsam ceza al\u0131r m\u0131y\u0131m?<\/summary>\n<p>Ayr\u0131l\u0131k karar\u0131 yoksa cezaya h\u00fckmolunmaz. TCK 245\/4 bu kural\u0131 e\u015f, \u00fcstsoy, altsoy, evlat edinen veya evlatl\u0131k ve ayn\u0131 konutta ya\u015fayan karde\u015f i\u00e7in koyar. Kural yaln\u0131zca 245\/1&#8217;deki fiil i\u00e7in ge\u00e7erlidir; sahte kart \u00fcretimi veya kullan\u0131m\u0131nda uygulanmaz.<\/p>\n<\/details>\n<details>\n<summary>\u0130nternetten kart bilgimle al\u0131\u015fveri\u015f yap\u0131l\u0131rsa hangi su\u00e7 olu\u015fur?<\/summary>\n<p>Bu, bilgilerin nas\u0131l elde edildi\u011fine g\u00f6re de\u011fi\u015fir. Aldat\u0131larak bilgi verdiyseniz nitelikli doland\u0131r\u0131c\u0131l\u0131k, bilgiler r\u0131zan\u0131z d\u0131\u015f\u0131nda ele ge\u00e7irildiyse TCK 245 veya bili\u015fim yoluyla h\u0131rs\u0131zl\u0131k g\u00fcndeme gelir. Hangi su\u00e7 vasf\u0131 se\u00e7ilirse cezan\u0131n aral\u0131\u011f\u0131 ve etkin pi\u015fmanl\u0131k imk\u00e2n\u0131 da ona g\u00f6re de\u011fi\u015fir.<\/p>\n<\/details>\n<details>\n<summary>Banka hesab\u0131m\u0131 neden ask\u0131ya ald\u0131, ne yapabilirim?<\/summary>\n<p>CMK 128\/A&#8217;ya g\u00f6re TCK 245 gibi su\u00e7larda makul \u015f\u00fcphe varsa banka hesab\u0131 48 saate kadar ask\u0131ya alabilir. \u0130\u015flem hesap sahibine bildirilir. Ask\u0131n\u0131n kald\u0131r\u0131lmas\u0131 i\u00e7in Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na ba\u015fvurabilirsiniz; savc\u0131 ba\u015fvuruyu 24 saat i\u00e7inde karara ba\u011flar.<\/p>\n<\/details>\n<details>\n<summary>Sahte kart kullan\u0131m\u0131nda etkin pi\u015fmanl\u0131k var m\u0131?<\/summary>\n<p>Hay\u0131r, yoktur. TCK 245\/5 etkin pi\u015fmanl\u0131\u011f\u0131 yaln\u0131zca birinci f\u0131kradaki fiiller i\u00e7in \u00f6ng\u00f6r\u00fcr. 245\/2 ve 245\/3&#8217;te zarar\u0131n giderilmesi, takdiri indirim ve HAGB ko\u015fullar\u0131 a\u00e7\u0131s\u0131ndan dikkate al\u0131nabilir; kanuni etkin pi\u015fmanl\u0131k indirimi uygulanmaz.<\/p>\n<\/details>\n<\/div>\n<div class=\"hk-kaynak\">\n<p class=\"hk-kaynak__baslik\">Mevzuat ve kaynaklar<\/p>\n<ul>\n<li><a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5237.pdf\" target=\"_blank\" rel=\"noopener\">5237 say\u0131l\u0131 T\u00fcrk Ceza Kanunu, m. 7, 62, 66, 142, 158, 168, 245, 245\/A<\/a><\/li>\n<li><a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.5271.pdf\" target=\"_blank\" rel=\"noopener\">5271 say\u0131l\u0131 Ceza Muhakemesi Kanunu, m. 12, 128\/A, 150, 231, 237, 253, 273<\/a><\/li>\n<li><a href=\"https:\/\/www.resmigazete.gov.tr\/eskiler\/2025\/12\/20251225.htm\" target=\"_blank\" rel=\"noopener\">7571 say\u0131l\u0131 Kanun, Resm\u00ee Gazete 25.12.2025, Say\u0131 33118<\/a><\/li>\n<\/ul>\n<\/div>\n<div class=\"hk-ilgili\">\n<p class=\"hk-ilgili__baslik\">\u0130lgili makaleler<\/p>\n<ul>\n<li><a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2019\/02\/26\/malvarligina-karsi-suclar-hirsizlik-5237-sayili-tck-141-maddesi\/\">H\u0131rs\u0131zl\u0131k Su\u00e7u (TCK 141\u2013142): Cezas\u0131, Nitelikli H\u00e2ller, Uzla\u015ft\u0131rma ve Etkin Pi\u015fmanl\u0131k<\/a><\/li>\n<li><a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2023\/08\/08\/tefecilik-sucu-ve-cezasi\/\">Tefecilik Su\u00e7u ve Cezas\u0131 (TCK 241): Unsurlar, 2020 De\u011fi\u015fikli\u011fi, Deliller ve M\u00fcsadere<\/a><\/li>\n<li><a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2019\/08\/28\/dolandiricilik-suclari-5237-sayili-tck-157-maddesi\/\">Doland\u0131r\u0131c\u0131l\u0131k Su\u00e7lar\u0131 (TCK 157\u2013159): Ceza, Nitelikli H\u00e2ller, IBAN Verme, Uzla\u015ft\u0131rma<\/a><\/li>\n<li><a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/2021\/08\/24\/bilisim-suclari\/\">Bili\u015fim Su\u00e7lar\u0131 ve Cezalar\u0131 (TCK 243\u2013245\/A): Hesaba Girme, Kart, Siber G\u00fcvenlik, KVKK<\/a><\/li>\n<\/ul>\n<\/div>\n<div class=\"hk-yazar\"><img src=\"https:\/\/ahmetgokhanmutlu.av.tr\/wp-content\/uploads\/2022\/04\/gokhanmutlu.jpg\" alt=\"Av. Ahmet G\u00f6khan Mutlu\" width=\"96\" height=\"96\" loading=\"lazy\" decoding=\"async\" \/><\/p>\n<div class=\"hk-yazar__metin\">\n<p class=\"hk-yazar__ust\">Yazar hakk\u0131nda<\/p>\n<p class=\"hk-yazar__ad\"><a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/ankara-agir-ceza-avukati-avukat-ahmet-gokhan-mutlu\/\">Av. Ahmet G\u00f6khan Mutlu<\/a><\/p>\n<p>Ankara Barosuna kay\u0131tl\u0131 avukat (Sicil No: 19638), \u00c7ankaya \u00dcniversitesi Hukuk Fak\u00fcltesi 2006 mezunu. Ceza uzla\u015ft\u0131rmac\u0131s\u0131d\u0131r; Adalet Bakanl\u0131\u011f\u0131 arabulucu siciline ve T\u00dcRKPATENT marka vekilli\u011fi siciline kay\u0131tl\u0131d\u0131r. Ankara Barosu CMK Merkezi, Bili\u015fim Kurulu ve Fikri M\u00fclkiyet ve Rekabet Kurulu \u00fcyesidir.<\/p>\n<p class=\"hk-yazar__not\">Bu yaz\u0131 27 Eyl\u00fcl 2026 tarihinde y\u00fcr\u00fcrl\u00fckteki mevzuata g\u00f6re haz\u0131rlanm\u0131\u015ft\u0131r.<\/p>\n<\/div>\n<\/div>\n<div class=\"hk-cta\">\n<p class=\"hk-cta__baslik\">Somut durumunuz i\u00e7in hukuki de\u011ferlendirme<\/p>\n<p>Her dosyan\u0131n su\u00e7 tarihi, delilleri ve usul a\u015famas\u0131 farkl\u0131d\u0131r. S\u00fcre ka\u00e7\u0131rmamak ve haklar\u0131n\u0131z\u0131 do\u011fru kullanmak i\u00e7in dosyan\u0131z\u0131 bir avukatla birlikte de\u011ferlendirmeniz \u00f6nemlidir.<\/p>\n<p>Telefon: <a href=\"tel:+905327145045\">0 532 714 50 45<\/a> \u00b7 E-posta: <a href=\"mailto:bilgi@ahmetgokhanmutlu.av.tr\">bilgi@ahmetgokhanmutlu.av.tr<\/a> \u00b7 <a href=\"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/ankara-agir-ceza-avukati-iletisim\/\">\u0130leti\u015fim ve adres bilgileri<\/a><\/p>\n<\/div>\n<p class=\"hk-yasal\">Bu yaz\u0131 genel bilgilendirme ama\u00e7l\u0131d\u0131r ve hukuki m\u00fctalaa niteli\u011fi ta\u015f\u0131maz. Somut olayda su\u00e7 tarihi, deliller ve g\u00fcncel mevzuat birlikte de\u011ferlendirilmelidir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mevzuat kontrol\u00fc 30 Eyl\u00fcl 2026\u00b7Kaynak: Resm\u00ee Gazete ve mevzuat.gov.tr\u00b7Yazar: Av. Ahmet G\u00f6khan Mutlu Banka veya kredi kart\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131, ba\u015fkas\u0131na ait bir kart\u0131 ele ge\u00e7iren ya da elinde bulunduran ki\u015finin, kart sahibinin r\u0131zas\u0131 olmadan bu kartla kendisine veya ba\u015fkas\u0131na yarar sa\u011flamas\u0131d\u0131r. TCK 245&#8217;te d\u00fczenlenen su\u00e7un temel h\u00e2li i\u00e7in \u00fc\u00e7 y\u0131ldan alt\u0131 y\u0131la kadar hapis ve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1630,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makaleler"],"_links":{"self":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/posts\/1629","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/comments?post=1629"}],"version-history":[{"count":1,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/posts\/1629\/revisions"}],"predecessor-version":[{"id":1634,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/posts\/1629\/revisions\/1634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/media\/1630"}],"wp:attachment":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/media?parent=1629"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/categories?post=1629"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/tags?post=1629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}