Service Banking

Service Model Banking (SMB) is a banking model that enables banking services to be provided to customers via the digital channels of interface providers through open banking services.

As Türkiye’s first public bank and first participation bank to offer services under the Service Model Banking framework, Emlak Katılım brings participation banking products and services together with business models across various sectors.

Participatory banking combined with a deposit refund scheme

DOA (Deposit-Bearings Packaging) is an app that combines a deposit-based packaging return system with a digital user experience; it enables users to track their returns of deposit-bearing packaging, manage their accumulated balances within the app via a digital wallet, and become part of a sustainability-focused ecosystem. DOA Finance, meanwhile, forms the part of this ecosystem where financial services are integrated, enabling the user base engaged with recycling and the digital wallet experience to access banking services within the same ecosystem.

Become an Emlak Katılım Customer

You can become an Emlak Katılım customer by completing the remote customer onboarding process.

Manage Your Accounts

You can open a current account, view your accounts and grow your savings with the DOA Finansce Participation Account.

Make Money Transfers

You can carry out bank transfers and FAST transactions.

Use your bank card

You can get a bank card and use it for your purchases.

Make a Transaction Using a QR Code

You can withdraw and deposit money from an ATM, and make payments, using a QR code.

Our other banking products and services will be available onat DOA Finans very soon!

You can also log in to DOA Finans using the digital password you use for the Emlak Katılım Mobile and Online Branch.

You can also use the digital password you created when you became an Emlak Katılım customer via DOA Finans on the Emlak Katılım Mobil App and Internet Banking platform.

By scanning the QR code, you can download the DOA app and start exploring the next-generation banking experience with DOA Finans right away.