{"id":9930,"date":"2025-12-31T00:20:03","date_gmt":"2025-12-30T21:20:03","guid":{"rendered":"https:\/\/mfylegal.av.tr\/?post_type=makaleler&#038;p=9930"},"modified":"2026-01-01T00:37:46","modified_gmt":"2025-12-31T21:37:46","slug":"foreign-currency-purchase-certificate-dab-guide","status":"publish","type":"makaleler","link":"https:\/\/www.mfylegal.av.tr\/en\/articles\/foreign-currency-purchase-certificate-dab-guide\/","title":{"rendered":"What is a Foreign Exchange Purchase Certificate (DAB)? 2026 Updated Guide"},"content":{"rendered":"\n<p>The <strong>foreign exchange purchase certificate (DAB)<\/strong> is an official document certifying that the foreign currency, which is the transaction price, has been sold to the Central Bank of the Republic of Turkey (CBRT) through a bank during the real estate purchase process of foreign nationals in Turkey. According to the legislation that came into force at the beginning of 2022 and is meticulously implemented in 2025\/2026, it is legally impossible to transfer the title deed without this document. <\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-1024x559.webp\" alt=\"Cover image for the article on What is a Foreign Exchange Purchase Certificate (DAB) and how to obtain it; featuring an official DAB document, Turkish Lira and foreign currency cash, a calculator, and a computer screen displaying exchange rates in the background.\" class=\"wp-image-9924\" title=\"\" srcset=\"https:\/\/www.mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-1024x559.webp 1024w, https:\/\/www.mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-300x164.webp 300w, https:\/\/www.mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-768x419.webp 768w, https:\/\/www.mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-1536x838.webp 1536w, https:\/\/www.mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-2048x1117.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">What is a Foreign Exchange Purchase Certificate (DAB)?<\/h2>\n\n<p>The legal definition of <strong>what is a DAB<\/strong> is a receipt issued in accordance with the <a href=\"https:\/\/www.resmigazete.gov.tr\/eskiler\/2025\/03\/20250315-14.pdf\" data-type=\"link\" data-id=\"https:\/\/www.resmigazete.gov.tr\/eskiler\/2025\/03\/20250315-14.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Communiqu\u00e9 Regarding Decree No. 32 on the Protection of the Value of Turkish Currency<\/a> and the <a href=\"https:\/\/www.tcmb.gov.tr\/wps\/wcm\/connect\/d58bd2eb-b966-4765-a0cc-626c507449d8\/Sermaye+Hareketleri+Genelgesi.pdf?MOD=AJPERES&amp;CACHEID=ROOTWORKSPACE-\" data-type=\"link\" data-id=\"https:\/\/www.tcmb.gov.tr\/wps\/wcm\/connect\/d58bd2eb-b966-4765-a0cc-626c507449d8\/Sermaye+Hareketleri+Genelgesi.pdf?MOD=AJPERES&amp;CACHEID=ROOTWORKSPACE-\" target=\"_blank\" rel=\"noreferrer noopener\">CBRT Circular on Capital Movements<\/a>. The point to be noted regarding <strong>what a DAB document is<\/strong> is that this document is not just a foreign exchange receipt, but a &#8220;certificate of conformity&#8221; that must contain certain legal statements. By <strong>definition of a foreign exchange purchase and sale certificate<\/strong>, it proves that the foreign currency of the foreign investor has entered the country&#8217;s reserves. This practice was introduced to ensure financial transparency, especially in <strong><a href=\"https:\/\/mfylegal.av.tr\/en\/articles\/turkish-citizenship-by-investment\/\" target=\"_blank\" rel=\"noreferrer noopener\">Turkish citizenship by investment<\/a><\/strong> applications. <\/p>\n\n<h3 class=\"wp-block-heading\">What is the Purpose of a Foreign Exchange Purchase Certificate?<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Title Deed Registration:<\/strong> It is a mandatory document for foreigners&#8217; real estate acquisition in accordance with the instructions issued by the <a href=\"https:\/\/www.tkgm.gov.tr\" target=\"_blank\" rel=\"noreferrer noopener\">General Directorate of Land Registry and Cadastre (TKGM)<\/a>.<\/li>\n\n\n\n<li><strong>Citizenship Process:<\/strong> It ensures the verification of the investment amount in Turkish citizenship applications. It is the proof of the investment amount for people who have acquired <strong><a href=\"https:\/\/mfylegal.av.tr\/en\/articles\/buying-property-for-turkish-citizenship\/\" target=\"_blank\" rel=\"noreferrer noopener\">Turkish citizenship through real estate investment<\/a><\/strong>.<\/li>\n\n\n\n<li><strong>VAT Exemption:<\/strong> By proving that the transaction was made in foreign currency, it helps to fulfill the requirements of <strong><a href=\"https:\/\/mfylegal.av.tr\/en\/articles\/turkey-vat-exemption-real-estate-purchase\/\" target=\"_blank\" rel=\"noreferrer noopener\">Turkish real estate VAT exemption<\/a><\/strong>.<\/li>\n\n\n\n<li><strong>Legal Compliance:<\/strong> It proves full compliance with capital market and foreign exchange legislation.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">How to Obtain a Foreign Exchange Purchase Certificate?<\/h2>\n\n<p>The <strong>how to obtain a foreign exchange purchase certificate<\/strong> process consists of operational steps that must be carried out without errors. The answer to the question of <strong>where to obtain a foreign exchange purchase certificate<\/strong> is deposit banks operating in Turkey.<\/p>\n\n<h3 class=\"wp-block-heading\">Step-by-Step DAB Acquisition Process<\/h3>\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Foreign Currency Transfer:<\/strong> The buyer transfers the real estate price from their own account to a bank account in Turkey.<\/li>\n\n\n\n<li><strong>Bank Instruction:<\/strong> A written instruction is given to the bank to sell the foreign currency to the CBRT and issue a DAB.<\/li>\n\n\n\n<li><strong>Sale of Foreign Currency to the CBRT:<\/strong> The bank performs the transaction instantly via <a href=\"https:\/\/www.tcmb.gov.tr\/kurlar\/kurlar_tr.html\" target=\"_blank\" rel=\"noreferrer noopener\">CBRT Exchange Rates<\/a>.<\/li>\n\n\n\n<li><strong>Approval of the Document:<\/strong> The bank creates the document with the statement &#8220;Issued under Decree No. 32&#8221;.<\/li>\n<\/ol>\n\n<p><strong>Which banks issue foreign exchange purchase certificates?<\/strong> This document can be obtained from all private deposit banks, especially public banks such as <strong><a href=\"https:\/\/www.ziraatbank.com.tr\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.ziraatbank.com.tr\/\" rel=\"noreferrer noopener\">Ziraat Bankas\u0131<\/a><\/strong>, Vak\u0131fbank, and Halkbank. <strong>Foreign exchange purchase certificate Ziraat Bankas\u0131<\/strong> transactions are usually concluded quickly through the bank&#8217;s foreign trade services.<\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">DAB Requirement in Title Deed Transactions<\/h2>\n\n<p>In the 2025 and 2026 projections, no sales transaction involving foreigners is approved via <a href=\"https:\/\/webtapu.tkgm.gov.tr\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/webtapu.tkgm.gov.tr\/\" rel=\"noreferrer noopener\">Web-Tapu<\/a> without submitting a <strong>title deed foreign exchange purchase certificate<\/strong>. <strong>TKGM<\/strong> digitally performs <strong>foreign exchange purchase certificate<\/strong> controls via the QR code on the document or the bank confirmation mechanism.<\/p>\n\n<p>The <strong>foreign exchange purchase certificate requirement 2025\/2026<\/strong> is subject to the following critical rules:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>The foreign currency must be exchanged before the title deed transaction.<\/li>\n\n\n\n<li>The amount on the DAB cannot be lower than the sale price declared in the title deed.<\/li>\n\n\n\n<li>The buyer&#8217;s Name-Surname, Passport No or YKN (Foreigner Identification Number) information must be written in the explanation section during the foreign exchange transaction.<\/li>\n\n\n\n<li>For more details, you can review our comprehensive <strong><a href=\"https:\/\/mfylegal.av.tr\/en\/articles\/selling-property-in-turkey-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">real estate sales guide in Turkey<\/a><\/strong> content.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">Foreign Exchange Purchase Certificate Sample and Completion<\/h2>\n\n<p>When examining a <strong>foreign exchange purchase certificate sample<\/strong>, it is essential that the following information is complete for the document to be considered valid:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Name Surname \/ Title:<\/strong> Information of the foreign person exchanging the foreign currency.<\/li>\n\n\n\n<li><strong>Passport \/ ID No:<\/strong> Foreign identification number or passport number.<\/li>\n\n\n\n<li><strong>Currency Amount:<\/strong> Amount of foreign currency exchanged (USD, EUR, GBP, etc.).<\/li>\n\n\n\n<li><strong>CBRT Exchange Rate Equivalent:<\/strong> The Central Bank exchange rate at the time of the transaction.<\/li>\n\n\n\n<li><strong>Explanation Note:<\/strong> The statement &#8220;Issued under the Circular on Capital Movements in accordance with Decree No. 32&#8221;.<\/li>\n<\/ul>\n\n<p><strong>How to fill out a foreign exchange purchase certificate?<\/strong>  This process is usually done by bank personnel through the system; however, it is critical for the investor to check the legal statements in the explanation section in order to avoid &#8220;loss of rights&#8221;.<\/p>\n\n<h3 class=\"wp-block-heading\">Bank Instruction Sample<\/h3>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u201c&#8230; To the [Bank Name] Authority, I request that the amount of [Amount] [Currency] in my account number [IBAN No] be sold to the Central Bank in accordance with Article 13 of the CBRT Circular on Capital Movements and that a Foreign Exchange Purchase Certificate (DAB) be issued in my name. Explanation: [Name Surname, Passport No, Real Estate Information]\u201d<\/em><\/p>\n<\/blockquote>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQ)<\/h2>\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1767125423346\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Has the Foreign Exchange Purchase Certificate (DAB) requirement been lifted?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, the obligation for foreigners to issue a DAB for real estate purchases from Turkey continues. The legislation remains current. According to the data of the <a href=\"https:\/\/www.tkgm.gov.tr\/yabanci-isler-dairesi-baskanligi\" target=\"_blank\" rel=\"noreferrer noopener\">TKGM Foreign Transactions Department<\/a>, this obligation continues in 2026. <\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767125430828\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many copies of the foreign exchange purchase certificate are issued?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Usually, a single original copy is given digitally or with a wet signature by the bank; however, a digital copy is uploaded to the system to be submitted to the land registry office.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767125440044\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a limit to the issuance of a DAB document?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There is no upper limit; however, the lower limit is the declared value of the real estate, which is the basis for the title deed fee.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767125457394\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What happens if a foreign exchange purchase certificate is not obtained?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The Land Registry Office rejects the transaction. The sale transaction does not occur legally. <\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767125467378\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is an e-foreign exchange purchase and sale certificate?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is an electronic document produced by banks with a digital signature to prevent paper waste and can be directly integrated with TKGM systems.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767125485310\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Why is a foreign exchange purchase certificate required in housing sales to foreigners?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is required to record foreign currency inflows into the country and to ensure the transparency of investments made through real estate.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\">Professional Support: Reduce the Margin of Error to Zero in Your Title Deed Processes<\/h2>\n\n<p>The Foreign Exchange Purchase Certificate (DAB) process is a technical financial operation and a legal procedure that leaves no room for error. As <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/mfylegal.av.tr\/en\/\">MFY Legal<\/a>, we manage all banking and title deed processes of our foreign investors in compliance with the legislation with our experienced <strong><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/mfylegal.av.tr\/en\/articles\/turkish-citizenship-lawyer\/\">Turkish citizenship lawyer<\/a><\/strong> staff.<\/p>\n\n<p><strong>Our Services:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Preparation of DAB instructions in 100% compliance with the legislation.<\/li>\n\n\n\n<li>Complete monitoring of <a href=\"https:\/\/www.google.com\/search?q=https:\/\/webtapu.tkgm.gov.tr\" target=\"_blank\" rel=\"noreferrer noopener\">Web-Tapu<\/a> applications.<\/li>\n\n\n\n<li>Financial reporting compatible with citizenship and residence.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A foreign exchange purchase certificate (DAB) is an official document certifying that the foreign currency, which is the transaction price, has been sold to the Central Bank of the Republic of Turkey (CBRT) through a bank during the real estate purchase process of foreign nationals in Turkey.<\/p>\n","protected":false},"author":2,"featured_media":9929,"parent":0,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"custom-post-tag":[143],"practice-area":[138,132],"published-year":[157],"class_list":["post-9930","makaleler","type-makaleler","status-publish","has-post-thumbnail","hentry","custom-post-tag-articles","practice-area-foreigners-law","practice-area-real-estate-law","published-year-2025-en"],"acf":[],"taxonomy_info":{"custom-post-tag":[{"value":143,"label":"Articles"}],"practice-area":[{"value":138,"label":"Foreigners Law"},{"value":132,"label":"Real Estate Law"}],"published-year":[{"value":157,"label":"2025"}]},"featured_image_src_large":["https:\/\/www.mfylegal.av.tr\/wp-content\/uploads\/2025\/12\/doviz-alim-belgesi-dab-nedir-nasil-alinir-1024x559.webp",1024,559,true],"author_info":{"display_name":"MFY Legal","author_link":"https:\/\/www.mfylegal.av.tr\/en\/author\/mfylegal\/"},"comment_info":"","_links":{"self":[{"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/makaleler\/9930","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/makaleler"}],"about":[{"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/types\/makaleler"}],"author":[{"embeddable":true,"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/users\/2"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/media\/9929"}],"wp:attachment":[{"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/media?parent=9930"}],"wp:term":[{"taxonomy":"custom-post-tag","embeddable":true,"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/custom-post-tag?post=9930"},{"taxonomy":"practice-area","embeddable":true,"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/practice-area?post=9930"},{"taxonomy":"published-year","embeddable":true,"href":"https:\/\/www.mfylegal.av.tr\/en\/wp-json\/wp\/v2\/published-year?post=9930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}