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API

Guide to Open Banking and API Services

What is an API?

APIs (Application Programming Interfaces) are technological bridges that enable different software, systems, and platforms to communicate with each other securely, in a standardized, and real-time manner. In the banking sector, APIs allow businesses to directly integrate their financial data and banking operations into their own ERP, accounting, CRM, mobile application, or e-commerce infrastructures.

Emlak Katılım Bankası's API infrastructure, in line with its open banking vision, automates inter-institutional data exchange with international security standards, eliminating manual processes and offering a seamless digital ecosystem.

What is an API Used For and What Does it Bring to Your Business?

Emlak Katılım APIs provide a next-generation banking experience that automates your operational business processes end-to-end and enriches your digital products and services. Thanks to API integration, your business gains the following advantages:

  • Automation of Operational Processes: Perform transactions such as wire transfers, EFTs, FASTs, and bulk money transfers directly through your own ERP/accounting program with a single click, without needing to log in to the internet banking service.
  • Instant Balance and Account Transaction Tracking: Speed ​​up your accounting reconciliation processes and reduce human error to zero by retrieving all your account transactions and current balance information in real time.
  • Time and Cost Savings: Minimize the costs and time loss of developing financial modules from scratch by using ready-made, tested, and secure banking services.
  • Enhanced Reporting and Decision Making: Collect all your cash flow and collection data in a single center to create healthier financial reports and cash flow forecasts for your business.

Basic API Categories Offered by Emlak Katılım

The basic API service groups offered to our commercial customers and business partners through our developer portal are as follows:

API CategoryScope and FunctionsUsage Area
Account Information Services (Accounts/Baas Accounts)Account list, balance inquiry, detailed account statements, receipt viewing, and account blocking/removal.ERP / Accounting Integration / Balance Tracking
Payment Initiation and Transfer Services (Transfers / Baas Transfers)Bank transfers, EFTs, FAST transfers, wire transfers, bulk money transfers, and transfer status inquiries.Payment Automation and Cash Management
Tax, Penalty and Collection ServicesTax Types, Motor Vehicle Tax (MTV), traffic fine inquiry, assessment and declaration, debt inquiry and tax collection.Integration of Finance and Tax Accounting
Social Security Collection ServicesSocial Security debt inquiry and Social Security premium payment ordersPayroll & HR Accounting Systems
Foreign Exchange and Precious Metals Services (Public)Real-time exchange rates, precious metal (gold/silver) buy and sell prices, and dividend payout rates.Financial Treasury Management
Card ServicesCustomer card listing, card details, and card spending history.Spending Management & Card Integrations
Customer Account Opening ServicesCustomer account opening, customer registration verification, ATM and branch location inquiry.Digital Customer Acquisition, Branch/Channel Management

Where Can You Access APIs?

You can access all open banking services and technical documentation offered by our bank through the official Emlak Katılım Developer Portal:

Emlak Katılım Developer Portal
Official Address: https://developer.emlakkatilim.com.tr

You can review and experience all API catalogs through the portal.

What are the Essential Requirements for Using Our APIs?

The essential prerequisites that businesses must meet to use Emlak Katılım API services securely, legally, and without interruption are summarized below:

  • Legal Entity and Commercial Customer Requirement: Our API services are offered to commercial customers who are legal entities established in Türkiye and possess an active tax registration certificate. You must have an active commercial account with our bank.
  • Approval Process: The approval process determined by our bank will be followed and completed based on suitability.
  • Signing the API Agreement: Before starting API usage and data sharing, the API Request Form and API Service Agreement must be mutually signed between your business and Emlak Katılım Bank.

How to Integrate Our APIs? (Step-by-Step Roadmap)

The integration process for APIs developed by our bank is extremely transparent, fast, and carried out with one-on-one technical guidance from our expert teams:

  1. Needs Analysis and Application: After determining the API package your business needs, apply to apiveservisbankaciligi@emlakkatilim.com.tr or contact your Emlak Katılım branch.
  2. UAT Test Environment and Certificate Definition: Complete your end-to-end functional and security tests in the UAT environment by providing your OV/EV SSL certificate and static IP information to our technical team.
  3. Legal and Operational Approvals: Send your API Request Form and API Service Agreement with wet signatures to the address specified by the Bank.
  4. Live Environment (Go-Live) and Continuous Support: After branch and operational approvals, your Live API access rights will be activated. Our 24/7 operational and technical support line is also available after the go-live.

Communication and Support Channels

For API integration, technical documentation requests, and corporate collaborations, you can always reach us through the following communication channels:

Communication and Support Desk