{"id":2056,"date":"2026-09-28T20:28:44","date_gmt":"2026-09-28T17:28:44","guid":{"rendered":"https:\/\/www.gulsahmutlu.av.tr\/?p=2056"},"modified":"2026-09-28T20:28:44","modified_gmt":"2026-09-28T17:28:44","slug":"banka-karti-kotuye-kullanma-yargitay-karari-atm","status":"publish","type":"post","link":"https:\/\/www.gulsahmutlu.av.tr\/index.php\/2026\/09\/28\/banka-karti-kotuye-kullanma-yargitay-karari-atm\/","title":{"rendered":"Yarg\u0131tay CGK 2026: ATM’de Unutulan Kartla Para \u00c7ekmek H\u0131rs\u0131zl\u0131k m\u0131, Kart Su\u00e7u mu?"},"content":{"rendered":"

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Son kontrol:

Bankamatikten para \u00e7eken biri kart\u0131n\u0131 makinede unutup gidiyor, arkas\u0131ndan gelen ki\u015fi ekranda a\u00e7\u0131k kalan hesab\u0131 g\u00f6r\u00fcp birka\u00e7 y\u00fcz lira daha \u00e7ekiyor: 2026 y\u0131l\u0131n\u0131n ilk banka kart\u0131 k\u00f6t\u00fcye kullanma yarg\u0131tay karar\u0131 tam olarak bu sahneyi konu al\u0131yor. Soru basit g\u00f6r\u00fcnse de y\u0131llard\u0131r tart\u0131\u015fmal\u0131yd\u0131. Bu eylem h\u0131rs\u0131zl\u0131k m\u0131, bili\u015fim sistemi kullan\u0131larak i\u015flenen nitelikli h\u0131rs\u0131zl\u0131k m\u0131, yoksa T\u00fcrk Ceza Kanunu’nun 245. maddesindeki kart su\u00e7u mu?<\/p>\n

Yarg\u0131tay Ceza Genel Kurulu 14 Ocak 2026’da ayn\u0131 g\u00fcn g\u00f6r\u00fc\u015ft\u00fc\u011f\u00fc dosyalarda \u00fc\u00e7\u00fcnc\u00fc se\u00e7ene\u011fi benimsedi. Karar, cezan\u0131n alt s\u0131n\u0131r\u0131n\u0131, uzla\u015ft\u0131rma imk\u00e2n\u0131n\u0131 ve zarar\u0131n iadesinin etkisini do\u011frudan de\u011fi\u015ftirdi\u011fi i\u00e7in hem \u015f\u00fcpheli hem de paras\u0131 \u00e7ekilen ki\u015fi a\u00e7\u0131s\u0131ndan \u00f6nem ta\u015f\u0131yor. A\u015fa\u011f\u0131da olay\u0131, mahkemelerin birbirinden ayr\u0131lan g\u00f6r\u00fc\u015flerini ve Genel Kurulun gerek\u00e7esini s\u0131ras\u0131yla ele al\u0131yoruz.<\/p>\n

\n

Karar\u0131n k\u00fcnyesi<\/p>\n

\n
Mahkeme<\/dt>\n
Yarg\u0131tay Ceza Genel Kurulu<\/dd>\n
Esas \/ Karar<\/dt>\n
2024\/199 E., 2026\/28 K.<\/dd>\n
Karar tarihi<\/dt>\n
14.01.2026<\/dd>\n
Konu<\/dt>\n
ATM’de unutulan kartla hesaptan para \u00e7ekmenin su\u00e7 niteli\u011fi (TCK 141, 142\/2-e ve 245\/1)<\/dd>\n
Sonu\u00e7<\/dt>\n
\u0130tiraz de\u011fi\u015fik gerek\u00e7eyle kabul edildi; h\u0131rs\u0131zl\u0131k kabul\u00fcne dayanan \u00d6zel Daire bozma karar\u0131 kald\u0131r\u0131ld\u0131 (oy \u00e7oklu\u011fu)<\/dd>\n<\/dl>\n<\/div>\n
\nBu yaz\u0131da neler var?<\/summary>\n
    \n
  1. Olay: kart makinede kal\u0131nca ne oldu?<\/a><\/li>\n
  2. Asliye ceza mahkemesi ve \u00d6zel Daire ne dedi?<\/a><\/li>\n
  3. Banka kart\u0131 k\u00f6t\u00fcye kullanma yarg\u0131tay karar\u0131: Genel Kurul neden 245’i se\u00e7ti?<\/a><\/li>\n
  4. Tek karar m\u0131, yerle\u015fik bir yakla\u015f\u0131m m\u0131?<\/a><\/li>\n
  5. Karar\u0131n dayand\u0131\u011f\u0131 kanun h\u00fck\u00fcmleri nelerdir?<\/a><\/li>\n
  6. Banka kart\u0131 k\u00f6t\u00fcye kullanma yarg\u0131tay karar\u0131 okur i\u00e7in ne anlama geliyor?<\/a><\/li>\n
  7. S\u0131k sorulan sorular<\/a><\/li>\n<\/ol>\n<\/details>\n

    Olay: kart makinede kal\u0131nca ne oldu?<\/h2>\n

    Kararda kabul edilen olaya g\u00f6re ma\u011fdur 22.07.2014 tarihinde bir bankaya ait bankamati\u011fe gidiyor, kart\u0131n\u0131 tak\u0131p \u015fifresini giriyor ve 150 TL \u00e7ekiyor. \u0130\u015flemi sonland\u0131r\u0131p kart\u0131n\u0131 almas\u0131 gerekirken kart\u0131 cihazda b\u0131rakarak uzakla\u015f\u0131yor. K\u0131sa s\u00fcre sonra ayn\u0131 makineye gelen san\u0131k, kart\u0131n i\u00e7eride kald\u0131\u011f\u0131n\u0131 ve hesab\u0131n a\u00e7\u0131k oldu\u011funu fark ediyor.<\/p>\n

    San\u0131k i\u015fleme devam ediyor, ma\u011fdurun hesab\u0131ndan 500 TL \u00e7ekiyor ve paray\u0131 al\u0131p gidiyor. Olay\u0131n bu \u015fekilde geli\u015fti\u011fi konusunda \u00d6zel Daire ile Yarg\u0131tay Cumhuriyet Ba\u015fsavc\u0131l\u0131\u011f\u0131 aras\u0131nda bir ayr\u0131l\u0131k yok. Tart\u0131\u015fma yaln\u0131zca eylemin hangi su\u00e7 tipine girdi\u011fi \u00fczerinde. Kararda kamera kayd\u0131 veya san\u0131\u011f\u0131n savunmas\u0131 gibi ayr\u0131nt\u0131lara yer verilmiyor; biz de olay\u0131 karar\u0131n anlatt\u0131\u011f\u0131 \u00f6l\u00e7\u00fcde aktar\u0131yoruz.<\/p>\n

    \"Banka
    Karar\u0131n \u00f6zeti: ATM’de unutulan kart<\/figcaption><\/figure>\n

    Asliye ceza mahkemesi ve \u00d6zel Daire ne dedi?<\/h2>\n

    Erdemli 1. Asliye Ceza Mahkemesi 28.01.2016 tarihli h\u00fckm\u00fcyle san\u0131\u011f\u0131 banka veya kredi kartlar\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7undan mahk\u00fbm etti. Mahkeme TCK 245\/1 ile birlikte 245\/5 yollamas\u0131yla 168\/1’deki etkin pi\u015fmanl\u0131k indirimini, 62. maddedeki takdiri indirimi uygulad\u0131 ve hapis cezas\u0131n\u0131 adli para cezas\u0131na \u00e7evirdi. Do\u011frudan verilen adli para cezas\u0131yla birlikte san\u0131k toplam 6.100 TL \u00f6demeye mahk\u00fbm edildi, \u00f6deme taksitlendirildi.<\/p>\n

    H\u00fck\u00fcm do\u011frudan temyiz edildi; kararda istinaf a\u015famas\u0131na ili\u015fkin bir bilgi yok. Yarg\u0131tay 8. Ceza Dairesi 21.11.2023 tarihinde h\u00fckm\u00fc bozdu. Daireye g\u00f6re eylem, TCK 141\/1’deki basit h\u0131rs\u0131zl\u0131kt\u0131. Bu nitelendirme san\u0131k lehine iki sonu\u00e7 do\u011furuyordu: h\u0131rs\u0131zl\u0131k 2016’da uzla\u015ft\u0131rma kapsam\u0131na al\u0131nm\u0131\u015ft\u0131 ve ceza aral\u0131\u011f\u0131 daha d\u00fc\u015f\u00fckt\u00fc.<\/p>\n

    Yarg\u0131tay Cumhuriyet Ba\u015fsavc\u0131l\u0131\u011f\u0131 12.01.2024 tarihinde itiraz etti. Ba\u015fsavc\u0131l\u0131k, ATM \u00fczerinden yap\u0131lan i\u015flemde bili\u015fim sisteminin kullan\u0131ld\u0131\u011f\u0131n\u0131, paran\u0131n veriler \u00fczerinden al\u0131nd\u0131\u011f\u0131n\u0131 ileri s\u00fcrd\u00fc ve eylemin TCK 142\/2-e kapsam\u0131nda nitelikli h\u0131rs\u0131zl\u0131k oldu\u011funu savundu. Daire itiraz\u0131 20.03.2024 tarihinde oy \u00e7oklu\u011fuyla yerinde g\u00f6rmedi ve dosya Genel Kurula gitti.<\/p>\n

    Banka kart\u0131 k\u00f6t\u00fcye kullanma yarg\u0131tay karar\u0131: Genel Kurul neden 245’i se\u00e7ti?<\/h2>\n

    Genel Kurul ne Dairenin basit h\u0131rs\u0131zl\u0131k g\u00f6r\u00fc\u015f\u00fcne ne de Ba\u015fsavc\u0131l\u0131\u011f\u0131n nitelikli h\u0131rs\u0131zl\u0131k g\u00f6r\u00fc\u015f\u00fcne kat\u0131ld\u0131. \u0130tiraz\u0131 “de\u011fi\u015fik gerek\u00e7eyle” kabul etti ve yerel mahkemenin ilk nitelendirmesine, yani TCK 245\/1’e d\u00f6nd\u00fc. Gerek\u00e7enin kilit c\u00fcmlesi \u015f\u00f6yle:<\/p>\n

    “Kart\u0131n\u0131 cihazda (ATM) unutarak hesab\u0131n\u0131 da a\u00e7\u0131k vaziyette b\u0131rak\u0131p bankamatikten ayr\u0131lan ma\u011fdurun banka kart\u0131 \u00fczerindeki fiil\u00ee h\u00e2kimiyeti\/zilyetli\u011fi sona erece\u011finden, hem bili\u015fim sistemini hem de ele ge\u00e7irdi\u011fi ma\u011fdura ait banka kart\u0131n\u0131 r\u0131zas\u0131 olmaks\u0131z\u0131n kullanarak ma\u011fdurun hesab\u0131ndan para \u00e7ekmek suretiyle kendisine yarar sa\u011flayan san\u0131\u011f\u0131n eylemi…” banka kart\u0131n\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 su\u00e7unu olu\u015fturur.<\/p><\/blockquote>\n

    Gerek\u00e7e \u00fc\u00e7 ad\u0131mda ilerliyor. \u0130lk ad\u0131m, 245. maddenin gerek\u00e7esine dayan\u0131yor: kanun koyucu, h\u0131rs\u0131zl\u0131k, doland\u0131r\u0131c\u0131l\u0131k ve g\u00fcveni k\u00f6t\u00fcye kullanman\u0131n ortak \u00f6zelliklerini ta\u015f\u0131yan kart eylemlerini tart\u0131\u015fmalar\u0131 bitirmek i\u00e7in ayr\u0131 bir su\u00e7 h\u00e2line getirmi\u015f. \u0130kinci ad\u0131mda Genel Kurul, 245\/1’in malvarl\u0131\u011f\u0131na kar\u015f\u0131 su\u00e7lar\u0131n \u00f6zel bir \u015fekli oldu\u011funu hat\u0131rlat\u0131yor.<\/p>\n

    \u00dc\u00e7\u00fcnc\u00fc ad\u0131m g\u00f6r\u00fcn\u00fc\u015fte i\u00e7tima. Bir kartla ATM’den para \u00e7eken ki\u015fi zorunlu olarak bili\u015fim sistemini de kullan\u0131r. Bu nedenle 142\/2-e ile 245\/1 ayn\u0131 fiile uygulanabilir gibi g\u00f6r\u00fcn\u00fcr. Genel Kurula g\u00f6re 245\/1, bili\u015fim yoluyla h\u0131rs\u0131zl\u0131\u011fa g\u00f6re \u00f6zel normdur; \u00f6zel normun \u00f6nceli\u011fi ilkesi gere\u011fi yaln\u0131z o uygulan\u0131r.<\/p>\n

    Karar\u0131n en \u00f6\u011fretici k\u0131sm\u0131 “ele ge\u00e7irme” unsuruna ili\u015fkin a\u00e7\u0131klama. Su\u00e7un olu\u015fmas\u0131 i\u00e7in failin kart \u00fczerinde fiil\u00ee h\u00e2kimiyet kurmas\u0131, yani kart sahibinin zilyetli\u011finin sona ermesi gerekiyor. Genel Kurul burada kendi \u00f6nceki bir karar\u0131na da de\u011finiyor: kart sahibi ATM ba\u015f\u0131nda, failin yan\u0131nda dururken onun kart\u0131yla para \u00e7ekilirse zilyetlik devam etti\u011fi i\u00e7in 245 olu\u015fmuyor.<\/p>\n

    “An\u0131lan f\u0131krada kart\u0131 kullanan veya kulland\u0131rtan ki\u015finin kendisine veya ba\u015fkas\u0131na hukuka ayk\u0131r\u0131 bir yarar sa\u011flam\u0131\u015f olmas\u0131 \u015fart\u0131na yer verilmi\u015f ise de ma\u011fdurun zarar g\u00f6rmesi hususu unsur olarak belirtilmemi\u015ftir.”<\/p><\/blockquote>\n

    Karar\u0131n oy \u00e7oklu\u011fuyla verildi\u011fini de not etmek gerekiyor. D\u00f6rt Genel Kurul \u00fcyesi, eylemin kart su\u00e7unu olu\u015fturmayaca\u011f\u0131 g\u00f6r\u00fc\u015f\u00fcyle kar\u015f\u0131 oy kulland\u0131. Kar\u015f\u0131 oyun ayr\u0131nt\u0131l\u0131 gerek\u00e7esi metinde yer alm\u0131yor. Kanaatimizce kar\u015f\u0131 g\u00f6r\u00fc\u015f\u00fcn dayana\u011f\u0131, kart\u0131n san\u0131k taraf\u0131ndan al\u0131nmad\u0131\u011f\u0131, makinede kald\u0131\u011f\u0131 s\u0131rada sistemin zaten a\u00e7\u0131k oldu\u011fu y\u00f6n\u00fcndeki itiraz olabilir; ancak metin bunu a\u00e7\u0131k\u00e7a s\u00f6ylemedi\u011fi i\u00e7in bu yaln\u0131zca bir yorumdur.<\/p>\n

    \n

    Somut dosyan\u0131z i\u00e7in:<\/strong> Buradaki bilgiler genel \u00e7er\u00e7eveyi \u00e7izer; ceza dosyas\u0131 ile ilgili bir olayda hangi h\u00fckm\u00fcn uygulanaca\u011f\u0131 tarihlere ve delillere ba\u011fl\u0131d\u0131r. G\u00f6r\u00fc\u015fmede uzla\u015ft\u0131rma ve zarar\u0131n giderilmesi se\u00e7enekleri de dosyayla birlikte ele al\u0131n\u0131r. G\u00f6r\u00fc\u015fme i\u00e7in b\u00fcronun ileti\u015fim bilgileri<\/a> sayfas\u0131na bakabilirsiniz.<\/p>\n<\/div>\n

    Tek karar m\u0131, yerle\u015fik bir yakla\u015f\u0131m m\u0131?<\/h2>\n

    Genel Kurul ayn\u0131 g\u00fcn benzer iki dosyada da ayn\u0131 sonuca ula\u015ft\u0131. 2024\/219 E., 2026\/29 K. say\u0131l\u0131 kararda olay 21.02.2013’te ge\u00e7iyor: ma\u011fdur 520 TL \u00e7ekip kart\u0131n\u0131 unutuyor, san\u0131k 480 TL \u00e7ekiyor ve bu kez kart\u0131 da yan\u0131na al\u0131yor. Bafra 2. Asliye Ceza Mahkemesi, iade edilen para nedeniyle etkin pi\u015fmanl\u0131k uygulam\u0131\u015f ve san\u0131\u011fa 10 ay hapis vermi\u015fti. 8. Ceza Dairesi bu dosyada da h\u0131rs\u0131zl\u0131k g\u00f6r\u00fc\u015f\u00fcyle bozma yapm\u0131\u015f, Genel Kurul bozmay\u0131 kald\u0131rm\u0131\u015ft\u0131.<\/p>\n

    Bu iki banka kart\u0131 k\u00f6t\u00fcye kullanma yarg\u0131tay karar\u0131 birlikte okundu\u011funda, ATM’de unutulan kartla i\u015fleme devam etme durumunda Genel Kurulun 2026 ba\u015f\u0131ndaki yakla\u015f\u0131m\u0131n\u0131n 245\/1 y\u00f6n\u00fcnde oldu\u011fu s\u00f6ylenebilir. Yine de her iki kararda d\u00f6rt \u00fcyenin kar\u015f\u0131 oyu bulunuyor; e\u011filimin ileride farkl\u0131la\u015fma ihtimali tamamen kapanm\u0131\u015f de\u011fil.<\/p>\n

    \"ATM'de
    Kart\u0131n\u0131z\u0131 ATM’de unuttuysan\u0131z<\/figcaption><\/figure>\n

    Karar\u0131n dayand\u0131\u011f\u0131 kanun h\u00fck\u00fcmleri nelerdir?<\/h2>\n

    TCK 245\/1, ba\u015fkas\u0131na ait banka veya kredi kart\u0131n\u0131 her ne suretle olursa olsun ele ge\u00e7iren ya da elinde bulunduran ki\u015finin, kart sahibinin r\u0131zas\u0131 olmadan kart\u0131 kullanarak veya kulland\u0131rtarak kendisine ya da ba\u015fkas\u0131na yarar sa\u011flamas\u0131n\u0131 cezaland\u0131r\u0131yor. Yapt\u0131r\u0131m \u00fc\u00e7 y\u0131ldan alt\u0131 y\u0131la kadar hapis ve be\u015f bin g\u00fcne kadar adli para cezas\u0131.<\/p>\n

    Ayn\u0131 maddenin 4. f\u0131kras\u0131, ayr\u0131l\u0131k karar\u0131 verilmemi\u015f e\u015f, \u00fcstsoy-altsoy ve ayn\u0131 konutta ya\u015fayan karde\u015f zarar\u0131na i\u015flenen birinci f\u0131kra su\u00e7unda cezaya h\u00fckmolunmayaca\u011f\u0131n\u0131 d\u00fczenliyor. 5. f\u0131kra ise birinci f\u0131kradaki fiiller i\u00e7in malvarl\u0131\u011f\u0131na kar\u015f\u0131 su\u00e7lardaki etkin pi\u015fmanl\u0131k h\u00fck\u00fcmlerinin, yani TCK 168’in uygulanaca\u011f\u0131n\u0131 s\u00f6yl\u00fcyor.<\/p>\n

    Kar\u015f\u0131la\u015ft\u0131rma i\u00e7in: TCK 141\/1’deki basit h\u0131rs\u0131zl\u0131\u011f\u0131n cezas\u0131 bir y\u0131ldan \u00fc\u00e7 y\u0131la kadar hapis. 142\/2-e’deki bili\u015fim sistemlerinin kullan\u0131lmas\u0131 suretiyle h\u0131rs\u0131zl\u0131kta ceza be\u015f y\u0131ldan on y\u0131la kadar hapis. CMK 253\/1-b listesinde h\u0131rs\u0131zl\u0131k (m. 141) uzla\u015ft\u0131rmaya tabi su\u00e7lar aras\u0131nda say\u0131l\u0131rken 245 bu listede yer alm\u0131yor ve \u015fik\u00e2yete ba\u011fl\u0131 da de\u011fil.<\/p>\n

    \n\n\n\n\n\n\n\n
    Nitelendirme<\/th>\nKanundaki ceza<\/th>\nUzla\u015ft\u0131rma<\/th>\nEtkin pi\u015fmanl\u0131k<\/th>\n<\/tr>\n<\/thead>\n
    Basit h\u0131rs\u0131zl\u0131k (TCK 141\/1)<\/td>\n1\u20133 y\u0131l hapis<\/td>\nVar (CMK 253\/1-b)<\/td>\nTCK 168<\/td>\n<\/tr>\n
    Bili\u015fim yoluyla h\u0131rs\u0131zl\u0131k (TCK 142\/2-e)<\/td>\n5\u201310 y\u0131l hapis<\/td>\nYok<\/td>\nTCK 168<\/td>\n<\/tr>\n
    Kart\u0131n k\u00f6t\u00fcye kullan\u0131lmas\u0131 (TCK 245\/1)<\/td>\n3\u20136 y\u0131l hapis ve adli para cezas\u0131<\/td>\nYok<\/td>\nTCK 245\/5 yollamas\u0131yla 168<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    Olay tarihi eski olan dosyalarda TCK 7’deki lehe kanun ilkesi de ak\u0131lda tutulmal\u0131. Bu kararda tart\u0131\u015fma, su\u00e7 tarihinden sonra de\u011fi\u015fen bir ceza h\u00fckm\u00fc \u00fczerinde de\u011fil, ayn\u0131 kanundaki \u00fc\u00e7 norm aras\u0131ndaki tercihte yo\u011funla\u015f\u0131yor.<\/p>\n

    Banka kart\u0131 k\u00f6t\u00fcye kullanma yarg\u0131tay karar\u0131 okur i\u00e7in ne anlama geliyor?<\/h2>\n

    Paras\u0131 \u00e7ekilen ki\u015fi a\u00e7\u0131s\u0131ndan karar, \u015fik\u00e2yetten vazge\u00e7menin veya uzla\u015fman\u0131n dosyay\u0131 kapatmayaca\u011f\u0131 anlam\u0131na geliyor. 245 \u015fik\u00e2yete ba\u011fl\u0131 olmad\u0131\u011f\u0131 i\u00e7in soru\u015fturma kendili\u011finden s\u00fcrer. Buna kar\u015f\u0131l\u0131k zarar\u0131n h\u0131zla ve tamamen kar\u015f\u0131lanmas\u0131, TCK 168 \u00fczerinden cezay\u0131 ciddi bi\u00e7imde azaltabilir. Bafra dosyas\u0131nda san\u0131\u011f\u0131n 10 ayl\u0131k cezaya inmesinin nedeni de buydu.<\/p>\n

    \u015e\u00fcpheli a\u00e7\u0131s\u0131ndan ise karar, “makinede zaten a\u00e7\u0131kt\u0131, ben sadece devam ettim” savunmas\u0131n\u0131n su\u00e7u hafifletmedi\u011fini g\u00f6steriyor. Diyelim ki biri kendi i\u015flemini yapmak i\u00e7in s\u0131raya girdi, \u00f6n\u00fcndeki ki\u015finin kart\u0131n\u0131 ekranda g\u00f6rd\u00fc ve tek bir \u00e7ekim yapt\u0131. Genel Kurulun bak\u0131\u015f\u0131na g\u00f6re bu ki\u015fi kart\u0131 “ele ge\u00e7irmi\u015f” say\u0131l\u0131r. Fark yaratabilecek soru, kart sahibinin o s\u0131rada yan\u0131nda olup olmad\u0131\u011f\u0131d\u0131r.<\/p>\n

    \n

    Pratikte:<\/strong> Kart\u0131n\u0131z\u0131 ATM’de unuttu\u011funuzu fark etti\u011finiz anda bankan\u0131n \u00e7a\u011fr\u0131 merkezinden kart\u0131 kapatt\u0131r\u0131n, ayn\u0131 g\u00fcn hesap hareketlerinin d\u00f6k\u00fcm\u00fcn\u00fc al\u0131n ve bankadan ATM kamera kayd\u0131n\u0131n saklanmas\u0131n\u0131 yaz\u0131l\u0131 olarak isteyin. G\u00f6r\u00fcnt\u00fcler s\u00fcresiz saklanmayabilece\u011fi i\u00e7in beklemek delil kayb\u0131na yol a\u00e7abilir.<\/p>\n<\/div>\n

      \n
    1. Kart\u0131 bloke ettirin.<\/strong> \u00c7a\u011fr\u0131 merkezi veya mobil uygulama \u00fczerinden kart\u0131 kullan\u0131ma kapat\u0131n ve i\u015flem saatini not edin.<\/li>\n
    2. D\u00f6k\u00fcm\u00fc al\u0131n.<\/strong> Unuttu\u011funuz andan sonraki \u00e7ekimleri tarih, saat ve ATM konumuyla g\u00f6steren hesap ekstresini bankadan isteyin.<\/li>\n
    3. Kayd\u0131n saklanmas\u0131n\u0131 isteyin.<\/strong> Bankaya dilek\u00e7e vererek ilgili ATM’nin kamera g\u00f6r\u00fcnt\u00fcs\u00fcn\u00fcn korunmas\u0131n\u0131 talep edin.<\/li>\n
    4. Su\u00e7 duyurusunda bulunun.<\/strong> Cumhuriyet ba\u015fsavc\u0131l\u0131\u011f\u0131na veya kollu\u011fa ba\u015fvurun, d\u00f6k\u00fcm\u00fc ve banka yaz\u0131\u015fmalar\u0131n\u0131 ekleyin.<\/li>\n
    5. Zarar\u0131n kar\u015f\u0131lanmas\u0131n\u0131 takip edin.<\/strong> \u015e\u00fcpheli bulunursa iade veya tazmin teklifini de\u011ferlendirin; k\u0131smi iadede etkin pi\u015fmanl\u0131k i\u00e7in sizin r\u0131zan\u0131z\u0131n arand\u0131\u011f\u0131n\u0131 unutmay\u0131n.<\/li>\n<\/ol>\n

      Son ad\u0131mda an\u0131lan kural TCK 168\/4’ten geliyor: k\u0131smen geri verme veya tazmin h\u00e2linde etkin pi\u015fmanl\u0131k uygulanabilmesi i\u00e7in ma\u011fdurun r\u0131zas\u0131 aran\u0131yor. Bu, paras\u0131 \u00e7ekilen ki\u015fiye m\u00fczakerede belirli bir a\u011f\u0131rl\u0131k kazand\u0131r\u0131yor. Ayr\u0131nt\u0131lar i\u00e7in bili\u015fim su\u00e7lar\u0131 ve cezalar\u0131<\/a> ile h\u0131rs\u0131zl\u0131k su\u00e7u<\/a> yaz\u0131lar\u0131m\u0131za bak\u0131labilir.<\/p>\n

      Delil taraf\u0131nda ATM g\u00f6r\u00fcnt\u00fcs\u00fc, banka kay\u0131tlar\u0131 ve baz istasyonu bilgileri birlikte de\u011ferlendirilir. Bu kay\u0131tlar\u0131n nas\u0131l istenece\u011fini ceza davas\u0131nda dijital delil<\/a> rehberimizde anlatt\u0131k. Kart su\u00e7lar\u0131yla ilgili s\u00fcre\u00e7 hakk\u0131nda genel bilgiye bili\u015fim su\u00e7lar\u0131<\/a> sayfam\u0131zdan ula\u015f\u0131labilir; h\u0131rs\u0131zl\u0131k nitelendirmesinin g\u00fcndeme geldi\u011fi dosyalarda uzla\u015fma<\/a> yaz\u0131m\u0131z da yol g\u00f6sterici olabilir.<\/p>\n

      \"H\u0131rs\u0131zl\u0131k,
      \u00dc\u00e7 nitelendirme, \u00fc\u00e7 farkl\u0131 sonu\u00e7<\/figcaption><\/figure>\n

      S\u0131k sorulan sorular<\/h2>\n
      \n
      \nYerde buldu\u011fum kartla al\u0131\u015fveri\u015f yapmak da 245 kapsam\u0131na girer mi?<\/summary>\n

      Evet, madde kart\u0131n “her ne suretle olursa olsun” ele ge\u00e7irilmesini yeterli say\u0131yor; kart\u0131n bulunmu\u015f olmas\u0131 su\u00e7u ortadan kald\u0131rmaz. Genel Kurul karar\u0131nda da kart\u0131n \u00e7al\u0131nm\u0131\u015f veya bulunmu\u015f olabilece\u011fi a\u00e7\u0131k\u00e7a belirtiliyor. Belirleyici olan, sahibinin r\u0131zas\u0131 olmadan kartla yarar sa\u011flanmas\u0131d\u0131r.<\/p>\n<\/details>\n

      \nKart sahibi yan\u0131mdayken onun kart\u0131yla para \u00e7ekersem ne olur?<\/summary>\n

      Genel Kurul, kart sahibi ATM ba\u015f\u0131nda failin yan\u0131nda dururken para \u00e7ekilirse kart \u00fczerindeki zilyetli\u011fin s\u00fcrd\u00fc\u011f\u00fcn\u00fc, bu nedenle 245’in olu\u015fmayaca\u011f\u0131n\u0131 belirtiyor. Bu durumda eylemin ba\u015fka bir su\u00e7 olu\u015fturup olu\u015fturmad\u0131\u011f\u0131 ayr\u0131ca de\u011ferlendirilir; somut olay\u0131n ayr\u0131nt\u0131lar\u0131 sonucu belirler.<\/p>\n<\/details>\n

      \nParay\u0131 geri verirsem dava d\u00fc\u015fer mi?<\/summary>\n

      Hay\u0131r, 245 \u015fik\u00e2yete ba\u011fl\u0131 olmad\u0131\u011f\u0131 i\u00e7in iade davay\u0131 d\u00fc\u015f\u00fcrmez. Ancak TCK 245\/5 yollamas\u0131yla 168 uygulan\u0131r: kovu\u015fturma ba\u015flamadan tam iade h\u00e2linde cezan\u0131n \u00fc\u00e7te ikisine, kovu\u015fturma ba\u015flad\u0131ktan sonra h\u00fck\u00fcmden \u00f6nce iade h\u00e2linde yar\u0131s\u0131na kadar indirim yap\u0131labilir.<\/p>\n<\/details>\n

      \nKart e\u015fime aitse yine ceza al\u0131r m\u0131y\u0131m?<\/summary>\n

      Ayr\u0131l\u0131k karar\u0131 verilmemi\u015f e\u015fin zarar\u0131na i\u015flenen 245\/1 su\u00e7unda TCK 245\/4 gere\u011fi cezaya h\u00fckmolunmaz. Ayn\u0131 kural \u00fcstsoy, altsoy ve ayn\u0131 konutta ya\u015fayan karde\u015f i\u00e7in de ge\u00e7erlidir. Bo\u015fanm\u0131\u015f veya ayr\u0131l\u0131k karar\u0131 alm\u0131\u015f e\u015fler bu korumadan yararlanamaz.<\/p>\n<\/details>\n

      \nBu karar eski tarihli dosyalara da uygulan\u0131r m\u0131?<\/summary>\n

      Karar yeni bir kanun de\u011fil, mevcut h\u00fckm\u00fcn yorumudur. Bu nedenle derdest dosyalarda mahkemeler i\u00e7in yol g\u00f6sterici olur. Kesinle\u015fmi\u015f bir mahk\u00fbmiyeti tek ba\u015f\u0131na yeniden a\u00e7t\u0131rmaz. Su\u00e7 tarihindeki kanunun lehe olup olmad\u0131\u011f\u0131 ise TCK 7’ye g\u00f6re ayr\u0131ca incelenmelidir.<\/p>\n<\/details>\n<\/div>\n

      \n

      Dayanak mevzuat ve karar<\/p>\n