About
TROY is Turkey's national card scheme, launched in 2016 by Bankalararası Kart Merkezi (BKM). BKM was founded in 1990 by 13 Turkish banks, and the Central Bank of the Republic of Türkiye became its majority shareholder in 2020. More than 30 banks and financial institutions issue TROY cards, and the scheme keeps card-transaction fees in Turkey. Cards work contactless, online with GO secure verification and by TR Karekod QR; some 96% of use is domestic, with limited acceptance abroad through partner schemes. In September 2025, BKM reported 67 million TROY cards and a 20% share of card spending.
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