Frequently Asked Questions
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270 questions listed
An innovative premium finance experience that lets you manage your money across all banks with a single app and a single card. A fintech that challenges traditional banking. Slogan: “If It's Not a Bank, It's Neo.”
A user who has signed up and become a member of MARS. MARS addresses all of its customers as MARS members.
A neobank is a branchless banking model. It lets you carry out financial transactions through a mobile app.
No. MARS is a financial technology app with an e-money license. All transactions are carried out under the supervision of the Central Bank of the Republic of Türkiye (TCMB), within the scope of Law No. 6493, using the infrastructure of Moka Birleşik Ödeme (Moka United), a subsidiary of Türkiye İş Bankası.
MARS is an independent fintech company that is not affiliated with any bank.
MARS is a fintech app that brings all your bank cards together in one app and offers next-generation features such as combining limits, splitting payments and MARS Now. Unlike a traditional bank, it has no branches and operates with an e-money license.
The MARS card is a prepaid card, not a credit card. It is Türkiye’s first prepaid card with the Mastercard Silver logo.
No. The Prime, Platinum and Titanium cards are all prepaid cards.
Yes. User balances are protected in accounts held at the Central Bank. MARS cannot operate, use or earn interest on these balances. All information is encrypted under the assurance of TCMB and Mastercard.
Yes. All your information on MARS is protected under the assurance of TCMB and Mastercard. No one and no institution, including MARS, can access your information.
MARS operates under the supervision of the Central Bank of the Republic of Türkiye. All user balances are protected in accounts opened at the Central Bank. By law, MARS cannot operate user balances, benefit from them or earn interest on them.
Yes. MARS is the authorized agent of Moka United Ödeme Hizmetleri A.Ş., which operates under the supervision of the Central Bank of the Republic of Türkiye (TCMB) and is licensed by the BDDK under Law No. 6493. Your balances are protected in accounts held at the Central Bank — MARS cannot touch them. Your personal information is encrypted under the assurance of TCMB and Mastercard.
- Infrastructure compliant with TCMB regulations
- Mastercard security standards
- Instantly block your card if you see a suspicious transaction
- Instantly freeze your card if it’s lost
MARS is a fintech app founded and operated by MARS Finansal Yazılım A.Ş. The company operates as the authorized agent of Moka United Ödeme Hizmetleri ve Elektronik Para Kuruluşu A.Ş., which has been granted an operating license by the BDDK under Law No. 6493.
MARS currently serves only in Türkiye. No up-to-date information has been shared about plans to expand abroad.
MARS Head Office: Balmumcu Mahallesi, Bestekar Şevki Bey Sokak, No: 11, 34349 Beşiktaş/İstanbul. If you need support as a customer, let us connect you with our team right away — call 0850 722 74 74 or let’s open a request for you.
iOS 13.0 and above (App Store), Android 5.0 and above (Google Play), Huawei (AppGallery).
On the App Store, search for “MARS Finansal Yazılım” or “MARS Neobank”. On Android, type “MARS Neo” or “MARS Finansal Yazılım”. MARS currently serves only in Türkiye.
App Store for iOS devices, Google Play for Android, and AppGallery for Huawei. MARS currently serves only in Türkiye.
No, it’s completely free. As a Starter member, you get core features free of charge, such as a digital card, money transfers, ATM withdrawals, bill payments, paying/requesting/sending money with QR, and splitting payments.
Turkish and English. The app opens automatically in your phone’s language setting.
No. MARS does not offer any time deposit option.
Oldu Bil (www.oldubil.com.tr) is an app acquired by MARS. Inside the app, it appears as “A MARS Company”. There is currently an ongoing technical process at Oldu Bil related to licensing procedures arising from Param. For up-to-date information, you can visit www.oldubil.com.tr.
MARS Credit (corporate loans) is currently available. MARS Metals (gold, silver, platinum) will be available very soon. Personal loan products are also coming soon.
Phone insurance is available (free for Platinum and Titanium members). Other insurance products are coming soon.
Sign-up is completed in these steps:
- Phone number — Enter your mobile number → Continue
- OTP verification — Enter the code sent to your phone by SMS (if it doesn’t arrive, request it again with “Resend”)
- Personal details — First name, Last name, Email, Date of birth, Campaign consent → Continue
- Security details — TCKN/YKN, Gender, Security Question (choose one and write your answer), Invitation Code (optional) → Continue
- Agreement approvals — Two checkboxes:
- Checkbox (MARS): Explicit Consent Text → Preliminary Information Text → User Agreement → Privacy Notice
- Checkbox (Moka): MokaUnited Framework Agreement → Privacy Notice
- Create your password → Your account is ready and your digital card has been created
No, it’s completely free.
The ID details you enter are verified instantly through MERSİS, the civil registry system. Your details must match your ID exactly. Even a small spelling difference will cause an error. During sign-up, the MERSİS check is done in two steps: personal details (first name, last name, date of birth) and security details (TCKN/YKN).
Full name, phone number, email, date of birth, TCKN/YKN. These are requested in line with TCMB rules.
Full Name, Phone Number, Email Address, Date of Birth, TCKN/YKN. This information is requested in line with TCMB rules.
During sign-up, you choose a security question and set your answer. It is used to verify your identity when resetting your password. Your answer must not be a single word.
If you were invited by another MARS member, you can enter their code in this field. It’s optional.
The OTP is also a 2FA security step. Check the following:
- Are you using a line from a Turkish operator?
- Does your phone have network coverage?
- Did you enter the number correctly?
- Is your SMS inbox full?
If everything checks out but the code still doesn’t arrive, wait a few minutes and try again. If the problem continues, call 0850 722 74 74.
Enter your first and last name in capital letters using a Turkish keyboard. The MERSİS check is done at two different steps during sign-up; at both steps, your details must match your ID exactly. If you are a foreign national, you can continue with your YKN. We currently cannot serve blue ID card holders.
Yes. You can proceed with your foreign identity number (YKN). Your first and last name must be entered in capital letters using a Turkish keyboard. We currently cannot serve blue ID card holders.
- Individuals aged 18 and over
- Holders of a Republic of Türkiye identity number (TCKN)
- Foreign nationals with a foreign identity number (YKN)
- Residents of Türkiye (residence in Türkiye is required for digital onboarding)
We currently cannot serve blue ID card holders. Individual accounts cannot be opened on behalf of companies.
18 and over. If your date of birth shows you are under 18, you’ll see the warning “Those under 18 cannot join MARS”.
You automatically become a Starter member and your digital card is created. You can use the card right away for QR or online payments. Your transaction volume limit is 2.750 TL/month to start with.
On your first login, you sign in with your phone number + OTP. For later logins, your password is all you need — you won’t be asked for an OTP again unless you change your phone.
It’s the process of verifying your identity digitally. Until it’s completed, your transaction volume limit stays at 2.750 TL/month. Once it’s completed, the limit rises to 5.000.000 TL/month and all features are unlocked.
In order:
- Enter your ID card serial number
- Residence confirmation (residence in Türkiye is required)
- Take photos of the front and back of your ID
- Scan your ID with NFC (chip ID + phone NFC sensor)
- Liveness test (move your face)
- Once all steps are completed, your account is verified
Hold your smart (chip) Turkish ID card against your phone’s NFC area (usually at the upper back). Make sure NFC is turned on.
No. Residence in Türkiye is required for digital onboarding.
Until digital onboarding is completed, your account has “Unverified MARS member” status. In this case:
Allowed transactions (within a total limit of 2.750 TL/month):
- Depositing money into MARS from your own bank account
- Withdrawing/transferring money from your MARS account to your own bank account
- Shopping
Key rule: The TOTAL of these 3 transaction types cannot exceed 2.750 TL per month. For example, if you deposited 2.750 TL that month, you can’t make any other transactions for the rest of that month.
Transactions you can’t make:
- Money transfers to MARS members
- ATM withdrawals
Once digital onboarding is completed, this limit rises to 5.000.000 TL/month and all features are unlocked.
Make sure all steps were completed successfully. If the problem continues, call 0850 722 74 74.
After onboarding is completed, the app introduces the membership options. You can continue as Starter without choosing one.
Starter, Tap & Pay, Prime, Platinum and Titanium Metal.
Starter
- Digital card (no physical card)
- Add all your bank cards, QR and online payments
- Money transfers, bill payments, ATM withdrawals (with a fee)
- No Colony or Miles benefits
Tap & Pay
- Mini sticker card (3 designs)
- Pay by tapping your phone
- Manage all your bank cards from MARS
Prime
- Vertical-design physical Mastercard (3 Night Glow colors)
- Earn at 30+ brands, at 50 locations
- 3 Colony slots (2 included)
- Earn up to 750 TL per month
- Transportation cards: 230 TL for the first 3 months / 100 TL/month after that
Platinum
- Horizontal-design physical Mastercard
- Earn at 400+ brands, at 15.000 locations
- 8 Colony slots (4 included)
- Earn up to 2.200 TL per month
- Combine Limits feature
- MARS Now: Up to 10.000 TL per transaction
- Parking & Valet: 200 TL/month
- Phone insurance: worth 3.500 TL, free
- HepsiburadaPremium & HBO Max free
Titanium Metal
- 18 g pure metal Mastercard
- Earn at 600+ brands, at 20.000 locations
- 10 Colony slots (6 included)
- Earn up to 4.500 TL per month
- Combine Limits + MARS AI
- MARS Now: Up to 20.000 TL per transaction
- Parking & Valet: 400 TL/month
- Lounge & Fast Track: Free twice a year
- Amazon Prime, HepsiburadaPremium & HBO Max free
- Phone insurance: worth 3.500 TL, free
For current membership fees, transaction fees and limits, check out the Fees & Limits page.
It's the maximum monthly limit you can reach with a Titanium Metal membership when all 10 Colonies are active and you spend heavily at the relevant brands. It's a maximum, not an average.
Yes. The app → Transactions → Upgrade My Membership → Choose your level → Complete the payment.
To downgrade or cancel your membership, call 0850 722 74 74 and our team will help you.
Call 0850 722 74 74. Monthly memberships can be cancelled at any time. Annual memberships can't be cancelled before the 1 year is up.
It's charged automatically in the relevant period, based on your monthly or annual plan. You can see your next payment date and amount under My Profile → Membership Details → Membership Plan. You can also track it under Transactions → Pending Transactions → Upcoming Payments.
Yes. With an upfront annual payment, you pay for 10 months — 2 months are free. For Titanium, you can either make a one-time annual payment or choose 12 installments at most banks.
Check your phone number and MARS password. If you forgot your password, go to the “Forgot My Password” step. Make sure you're using the latest version of the app.
Login screen → “Forgot My Password” → Enter your Turkish ID number (TCKN) and date of birth → You'll receive an SMS verification code → Enter your new password → Confirm it by entering your new password again → Done.
- At least 6 characters
- No more than 3 consecutive digits in a row (123 is OK, 1234 is not)
- The digits can't all be the same (like 111111)
The app → My Profile → Settings → Change Password.
When creating or changing your password, you can set how often you need to change it (e.g. every 3 months). The app will remind you.
This is a technical display error. Try the following:
- Fully close the app and reopen it.
- Update the app to the latest version.
- Restart your phone. If the issue continues, a request is opened — call 0850 722 74 74 and our team will look into it.
There are 3 rules for setting your MARS password: at least 6 characters, no more than 3 consecutive digits in a row (1234 is not allowed), and the digits can't all be the same. Make sure your password follows these rules.
Go to the login screen and continue with the “Forgot My Password” step.
My Cards → The relevant card → Settings (top right) → Reset My Card PIN → Your new PIN will be sent by SMS. Note: At a POS, the new PIN will give an error on the first 3 attempts and becomes active on the 4th. At an ATM, it works on the first attempt.
Your card's initial PIN is the last 4 digits of the card number. You can see it under My Cards → Tap the relevant card → Card details. We recommend changing it after your first use.
3 times. In that case, call 0850 722 74 74 → Press 1.
My Cards → The relevant card → Settings (top right) → Change My Card PIN.
You can remove the block by resetting your PIN in the app. Or call 0850 722 74 74 → Press 1.
The app → My Profile → Settings → Change Phone Number.
The MARS Contact Center will never call you and ask for your PIN or password. For some transactions on 0850 722 74 74, you may be asked to enter your PIN into the IVR system (keypad) for verification — never tell it to a representative, only enter it into the IVR.
All MARS card types come with Mastercard Silver Logo (Gümüş) privileges. There are three physical card options: Prime, Platinum and Titanium Metal. Starter only has a digital card. All cards are part of the Mastercard Digital First Card program.
No. Starter only comes with a digital card. For a physical card, you need a Prime, Platinum or Titanium membership.
There's no separate fee for the physical card. Because of the privileges they offer, MARS memberships include a monthly subscription fee — the physical card is simply the tool that lets you use this membership. Starter membership is free; membership fees only apply to Prime, Platinum and Titanium.
The app → Transactions → Upgrade My Membership → Choose a level → Create a card application. Applications are only accepted through the app.
5–18 business days (for applications made by 14:00). Track your delivery: https://takip.agtkurye.com/
The app → Transactions → Card Application Status.
It's for cards distributed through companies or delivered by hand by MARS. The app → Transactions → Register Card → Enter or scan the barcode number on the envelope.
You can activate it from My Cards → The relevant card. Or it activates automatically when you enter your card PIN on your first POS payment.
Tap the MARS card on the app's home screen, or go to My Cards → The relevant card.
Yes. All memberships are covered by the Mastercard Silver (Gümüş) Logo and Mastercard Digital First Card. Card details are stored digitally; only your name appears on the physical card.
All MARS card details have been moved to digital. Only your name appears on the physical card, which increases security.
All MARS memberships carry the prestigious Mastercard Silver Logo. It offers discount privileges at more than 100 brands when traveling abroad and shopping online, from clothing to restaurants, and from car rental to accommodation.
You have two options: you can freeze the card temporarily or block it permanently. - Freeze: My Cards → The relevant card → Settings → Freeze My Card. You can turn it back on whenever you like. - Permanent block: My Cards → The relevant card → Settings → Block My Card. In either case, be sure to call 0850 722 74 74 → Press 1.
My Cards → The relevant card → Settings (top right) → Freeze My Card. This turns it off temporarily, and you can turn it back on whenever you like.
My Cards → The relevant card → Settings (top right) → Freeze My Card (tap it again to switch the toggle back).
My Cards → The relevant card → Settings (top right): turn online purchases, international purchases and phone/mail order purchases on or off. You can turn them back on whenever you like.
My Cards → The relevant card → Settings (top right) → Online Purchases.
My Cards → The relevant card → Settings (top right) → International Purchases.
Yes. Activate the card by entering your card PIN on your first purchase. After that, you can make contactless payments up to 1.500 TL. Payments over 1.500 TL require your PIN.
You need to activate your card by entering your PIN the first time you use it. If it still doesn't work after activation, call 0850 722 74 74.
Contactless up to 1.500 TL. Above that, your PIN is required.
Yes, anywhere and at any ATM displaying the Mastercard logo. MARS cards with the Troy logo are only valid within Türkiye.
Either you have another pending membership application, or the membership fee couldn't be charged due to insufficient balance. If it isn't resolved, call 0850 722 74 74.
If 5–18 business days have passed, track your delivery: https://takip.agtkurye.com/ If the issue continues, call 0850 722 74 74.
Call 0850 722 74 74.
Call 0850 722 74 74.
Update the app to the latest version and restart it. If it's still not fixed, a request will be opened — call 0850 722 74 74 and our team will look into it.
Yes. You can shop with QR and withdraw cash with QR from all ATMs in Turkey. You can manage all your transactions through the app alone.
You can use it at all POS devices with the Mastercard logo in Turkey and abroad, for online shopping and at all ATMs.
You can view all spending made with your MARS card in the Recent Transactions section on the home screen.
Call 0850 722 74 74. Card cancellation is handled through the Moka United process.
Monthly memberships can be cancelled at any time by calling 0850 722 74 74. Annual memberships can't be cancelled before 1 year has passed.
There are 4 main reasons:
- You can transfer money from all your bank accounts without opening other banking apps — you manage them all from MARS
- With MARS Now, you can choose which card to pay with at the moment of payment
- With Combine Limits, you can use the limits of multiple cards in a single transaction
- You can withdraw cash with QR from all ATMs from the accounts of your added debit cards — no need to carry your other cards
App → Transactions → Add Debit/Credit Card.
There's no limit. You can add as many cards of your own as you like.
No. You can only add cards that belong to you.
No. Cards issued in other countries can't be added to MARS.
The following can't be added: virtual cards, prepaid cards, cards not linked to a bank, cards issued in other countries, and cards whose identity details aren't up to date at the bank. A 1 TL pre-authorization is taken while adding the card — if it fails, the card can't be added. If you're still getting an error for a reason other than these, a request will be opened — call 0850 722 74 74 and our team will look into it.
Paycell is a prepaid card. Only debit and credit cards can be added to MARS; prepaid cards can't be added.
Check the following:
- Does your card have enough balance/limit?
- Is your card enabled for online shopping? (My Cards → The relevant card → Settings → Online Shopping)
- Could approval be required in your bank's app?
If everything checks out but it still won't open, a request will be opened — call 0850 722 74 74 and our team will look into it.
Yes. No one, including MARS, can access your card details. Transactions are carried out under Law No. 6493, under the supervision of the BDDK and the TCMB.
It's a big advantage for both AI Switch (automatic selection of the most advantageous card) and Combine Limits. For example, you can use a total credit limit of 30.000 TL from 3 different banks in a single purchase.
You manage all your bank accounts from a single app. You can transfer from your Garanti account to your İş Bankası account through MARS, and withdraw cash with QR from all ATMs.
My Cards → Tap the relevant debit/credit card → Tap the delete button in the top right corner → Confirm. The card is removed from MARS.
If the delete button isn't visible or you're getting an error, update the app to the latest version and try again. If it still doesn't work, a request will be opened — call 0850 722 74 74 and our team will get back to you within 1 business day.
Let's check where you saw this error:
- If it appeared while adding a card in the MARS app: Wait a few minutes and try again; there may be a temporary connection interruption.
- If it appeared on an e-commerce platform that uses MARS POS: We'll open a request and get back to you within 1 business day — call 0850 722 74 74.
First, you add your cards to MARS and set a MARS Now limit for each card. At the moment of payment, you tap your MARS card on the POS — your MARS card turns into the limit of the card you selected, and the payment is made from that card. If there's no money in your MARS balance, the payment is completed with the balance or limit of the card you selected; you carry on without getting an "insufficient balance" error. It's turned on with the MARS Now toggle on the home screen.
It's the AI-powered automation of MARS Now. You turn it on from the My Cards screen. When AI Switch is on, it automatically selects the credit card with the latest statement date and activates MARS Now. This way, you use the most advantageous card without paying interest. If there's no MARS balance, the payment is completed with the limit/balance of the selected card.
My Cards → the AI Switch toggle in the Credit/Debit Cards section.
A maximum MARS Now transaction limit can be set for each card:
- Prime and Tap&Pay: Up to 2.500 TL per transaction
- Platinum: Up to 10.000 TL per transaction
- Titanium: Up to 20.000 TL per transaction
Yes. Your bank may charge a commission when you pay with MARS Now or AI Switch.
You can combine the limits of all the credit cards you've added and use them in a single transaction. App → Transactions → Combine Limits → Select the cards and amounts → Tap your MARS card on the POS.
For Combine Limits deduction rates and refunds, check the Fees & Limits page.
App → Transactions → Combine Limits.
By adding all your credit and debit cards to your MARS account, you can manage your card limits and balances from one place. Before spending, open the app and choose which card you want to pay with, then tap your MARS card on the POS — the payment is made from the balance of the card you selected. You can also split your spending across multiple cards.
Platinum and Titanium. It's not available with Starter, Tap&Pay or Prime.
3 ways:
- From a debit/credit card — Money Deposit → From My Debit/Credit Card → Select a card → Enter the amount → 3D Secure approval → Done
- From a bank account (EFT/IBAN) — Money Deposit → From My Bank Account → Copy the IBAN → Send an EFT from your other bank (write your MARS account number in the description)
- Recurring Deposit — Select your card, set a weekly or monthly period, and top up automatically
The Money Deposit button on the home screen, or Transactions → Money Deposit.
Transactions → Recurring Deposit.
Transactions → Money Deposit → From My Bank Account → Copy the MARS IBAN shown on the screen → Open your own banking app → Make an EFT/wire transfer → Write your MARS account number in the description field → Send. It's free.
Log in to the ATM with your MARS card and PIN → Money Deposit → Enter the amount → Confirm. Without a card (with IBAN): Money Deposit → Deposit at ATM → Select a bank → Complete the transaction to the IBAN shown, writing your MARS account number in the description.
Yes. Transactions → Recurring Deposit → Select your card → Set a weekly or monthly period → Enter the amount → Save. The top-up is made automatically on the date you set.
Your account number is shown on the Transactions → Money Deposit → Deposit from My Bank Account screen. You need to write this number in the description field for bank transfers.
A 1 TL pre-authorization is taken to verify that the card belongs to you. This amount is refunded.
No. Prepaid cards can't be added to MARS and can't be used to deposit money.
It's shown on the Money Deposit → From My Bank Account screen. You need to write this number in the description field for bank transfers.
Yes.
No. You can only use balance loaded from a credit card for spending with MARS. You can't withdraw it as cash from an ATM.
Bill payments made through MARS are completed within 72 hours at the latest. If this time has passed, 0850 722 74 74.
Money sent to your MARS account from another account appears within 32 hours at the latest.
Yes. With an account that has completed digital onboarding (verified), you can make a money transfer by entering an IBAN. Amounts loaded with a credit card can't be transferred to a bank.
Transactions → Money Transfer → Money Transfer to a MARS member → Pick the person from your phone contacts → Enter the amount and description → Send. It's free.
There are 5 options on the Money Transfer screen:
- Money Transfer to a MARS member — Free, pick from your phone contacts
- Money Transfer to a Phone Number — Send using a phone number
- Money Transfer to Another Bank — Enter an IBAN
- Recurring Money Transfer — Automatically repeating transfer
- Money Transfer with QR — Scan the other person’s QR
Use the Money Transfer button on the home screen or go to Transactions → Money Transfer.
Use the Request Money button on the home screen or go to Transactions → Request Money.
Money Transfers → Send to a MARS member → Pick from your phone contacts → Enter the amount and description.
Right now, you can only send money to other MARS members or to their own bank accounts (via IBAN).
Yes. Money Transfers → Send to Bank Account → Enter the IBAN.
Yes. You can save the IBAN using the “Save Account” option shown at the end of the transaction. You can view it under My Profile → My Saved Accounts.
If the recipient hasn’t completed onboarding, their limit is 2.750 TL. For users who have completed onboarding:
- Daily transfer limit: 200.000 TL
- Single transaction limit: 100.000 TL (transfers over 100.000 TL can be made in two transactions, as 100.000 + 100.000 TL)
The limit resets on the 1st of every month.
Check the following:
- Does the recipient have a verified account? The monthly limit for unverified MARS members is 2.750 TL.
- Are you exceeding the daily transfer limit (200.000 TL) or the single transaction limit (100.000 TL)?
- Have you used up your monthly transaction volume limit?
The limit resets on the 1st of every month. If everything checks out but you’re still getting the error, it may be a technical issue — a request will be opened, call 0850 722 74 74.
Money that has been sent can’t be reversed. Let the other person know and ask them for a refund. If you run into problems, call 0850 722 74 74.
Transactions → QR Transactions → Money Transfers → Scan the MARS QR of the person you want to send money to with your camera → Send money.
Yes. From a MARS account that has completed digital onboarding (verified), you can transfer money to anyone’s bank account 24/7.
Transactions → Money Transfer → Recurring Money Transfers. Here you can view, edit or cancel your active instructions. For past transfers, go to Home → Account Activity.
Transactions → The relevant recurring transfer → Cancel.
No. Money transfers between MARS members are completely free.
The fee for money transfers to a bank account depends on your membership and the amount. For current fees, check the Fees & Limits page.
You can withdraw money from any bank’s ATM with your MARS card or with QR. - With your card: Insert your MARS card at the ATM and enter your PIN → Withdraw Cash → Enter the amount. - With QR: The app → QR Transactions → Withdraw Cash from ATM → Enter the amount → Scan the generated QR in the ATM’s cardless transaction menu.
All bank ATMs in Türkiye. No bank restrictions. With your MARS card or with QR.
- Prime, Platinum, Titanium: Free at domestic ATMs
- Starter, Tap&Pay and other memberships: 0,91 TL + 1% fee
- Foreign ATMs for all memberships: 2% fee
For current fees, check the Fees & Limits page.
- Verified MARS member: 10.000 TL per day
- Unverified MARS member: 1.000 TL per year
For current limits, check the Fees & Limits page.
The app → QR Transactions → Withdraw Cash from ATM → Enter the amount → Scan the generated QR in the ATM’s cardless transaction menu.
Yes. You can withdraw money with QR from all ATMs from the accounts of the debit cards you’ve added to the MARS app. No need to carry your other cards.
Yes.
Yes. You can use your digital card’s number, expiry date and security code for any online purchase. You can see them on the My Cards screen.
With the QR Transactions button on the home screen: Pay with QR, Payment Refund/Cancellation, Send Money, Withdraw Cash from ATM, Request Money.
Transactions → Pay with QR.
Request Money → Request with QR → Enter the amount → Generate QR → Show it to the other person.
Transactions → Request Money → Request Money with QR → Enter the amount → Generate QR → Show it to the other person or share it.
Transactions → Request Money → Pick the person from your phone contacts or enter their number → Enter the amount and description → Send request.
Yes. Transactions → Pending Transactions → Cancel (before the other person approves it).
Transactions → Split Payments → Select the purchase you want to split → Enter a description → Select people from your contacts or by phone number (up to 50 people) → Send request. Your friends can approve the incoming request and send you their share. You can track the status under Transactions → Pending Transactions → Split Payments.
The MARS member you sent the Split Payments request to may have a low transaction limit. To fix this, that MARS member needs to add a debit or credit card to MARS. After that, you can use the Split Payments feature.
You can create a Split Payments request for up to 50 people.
Yes. The person receiving the request can change the amount and make a partial payment.
You can only send Split Payments requests to people who are MARS members. If your friend isn’t a MARS member yet, you can invite them via Transactions → Invite Your Friend.
Transactions → Pending Transactions → Request Money Requests. You can approve them here to make the payment.
Before paying, open the MARS app → Transactions → Combine Limits → Select the purchase → Choose which card to pay with → Tap your MARS card on the POS.
Since Apple Pay isn’t currently available in Türkiye, the MARS card can’t be added to Apple Pay. You can use the in-app QR payment option instead.
It can’t be added because Apple Pay isn’t available in Türkiye. You can use QR payment instead.
No. MARS is a prepaid card, so installments on purchases aren’t available.
Electricity, water, natural gas, telecommunications and more. 200+ institutions are available.
Transactions → Pay Bill → Select the category and institution → Enter the bill details → See the amount → Pay.
Transactions → Pay Bill.
Only between 06:00–23:00.
Yes. Use the “Set Up Payment Instruction” button in the Pay Bill step. If your balance is sufficient, the bill is paid automatically; if not, it’s checked every day.
Home → Recent Transactions → the relevant bill payment → View and share the receipt.
Yes. Transactions → Pay Credit Card Debt.
Yes. Depending on the institution you select on the bill payment screen, you’ll be asked to enter a subscriber number, contract number or customer number. You can usually find this information on your bill or in the institution’s customer portal.
Make sure the time is between 06:00–23:00 and that your balance is sufficient. If the problem continues, call 0850 722 74 74.
Discount clubs that earn you MARS Miles on your spending. There are 12 categories: Subscription, Grocery, Gourmet, Travel, Technology, Abroad, Fashion, Food, Coffee, Home & Living, Transportation, Leisure.
- Starter: No Colonies, and they can’t be purchased
- Prime: 3 Colony slots — 2 included (Subscription, Transportation, Coffee) + the Grocery Colony can also be selected
- Platinum: 8 Colony slots — 4 included (Prime Colonies + Food, Technology, Fashion, Home & Living) + the Abroad Colony can also be selected
- Titanium: 10 Colony slots — 6 included (Platinum Colonies + Gourmet, Travel)
For the additional Colony fee, check the Fees & Limits page.
Colonies → Available to Purchase → Select → Complete the payment. For the additional Colony fee, check the Fees & Limits page.
Once a month. 5 days before the end date, the app shows you the selection screen.
Colony changes can’t be made within the same calendar month. Wait for the end date; 5 days before it, the app will show you the selection screen. If there’s a problem, call 0850 722 74 74.
The benefit is activated when you pay with your MARS card at the relevant brand in the Colony. If you paid with a different card, it won’t apply.
No. Benefits that include a code can only be used for online shopping and in online stores.
If you selected a Colony belonging to a higher tier, you’ll see that the app expects you to upgrade your membership within 5 business days. If you don’t, you’ll continue with your current membership with 1 Colony.
If you selected a Colony belonging to a higher tier, the app expects you to upgrade your membership within 5 business days. If you don’t upgrade within this period, you’ll continue with your current membership with 1 Colony selection.
Colonies may be offered for different periods, such as monthly or 3-monthly. MARS reserves the right to change or end campaign terms.
- Subscription Colony: Earns you Miles on digital platforms like Netflix, Spotify and YouTube. Valid for Prime, Platinum and Titanium.
- Transportation Colony: Earns you Miles on spending like city transit cards, Uber and scooters. Valid for Prime, Platinum and Titanium.
- Coffee Colony: Earns you Miles at 14+ coffee brands like Starbucks, Nero and EspressoLab. Valid for Prime, Platinum and Titanium.
- Food Colony: Earns you Miles on platforms like Yemeksepeti, GetirYemek and Trendyol Yemek, and at restaurants. Valid for Platinum and Titanium.
- Technology Colony: Earns you Miles at technology brands like MediaMarkt, Apple and Amazon. Valid for Platinum and Titanium.
- Fashion Colony: Earns you Miles at Zara, Mavi, Network and 600+ fashion brands. Valid for Platinum and Titanium.
- Home & Living Colony: Earns you Miles at home and living brands like Sephora, Carrefour and IKEA. Valid for Platinum and Titanium.
- Abroad Colony: Gives you benefits on spending and brands abroad. Valid for Platinum and Titanium.
- Gourmet Colony: 20% discount and Miles at fine dining restaurants. Valid for Titanium only.
- Travel Colony: Benefits at Lounge, Fast Track, hotel and travel brands. Valid for Titanium only.
A unique miles program that lets you earn on your shopping in every category. Earn as you spend, and spend or save whenever you like.
1 Miles = 1 TL. For example, with 5% Miles earnings, you earn 5 TL (5 Miles) on a 100 TL purchase.
You earn them by shopping with your MARS card at the brands in your Colonies.
They’re credited within the first 3 business days starting from the 15th of the month following your spending.
If the 3 business days after the 15th of the month haven’t passed yet, please wait. If that period has passed, call 0850 722 74 74.
For benefits under the Mastercard international program, cashback is credited to your MARS card based on the specified percentage after your spending.
For some benefits in the Fashion, Gourmet, Food and Leisure Colonies, an instant discount is applied when you pay with your MARS card.
You can view them from the Profile → MARS Miles menu.
You can merge the Miles balances on multiple MARS cards into a single card and use them as TL. You can make this automatic with the “Merge my points regularly” toggle. (Coming Soon)
- Coffee spending: Prime 2% Miles, Platinum 3% Miles, Titanium 5% Miles
- Restaurant/Food: Prime —, Platinum 3% Miles, Titanium 5% Miles
- Technology & Fashion & Home: Prime —, Platinum up to 10%, Titanium up to 10%
- Uber: Prime 15% Miles, Platinum 15% Miles, Titanium 15% Miles
- City transit cards: Prime 230 TL for the first 3 months, then 100 TL/month, Platinum 230 TL/month, Titanium 230 TL/month
- Parking & Valet: Prime —, Platinum 200 TL/month, Titanium 400 TL/month
- Gourmet restaurants: Prime —, Platinum —, Titanium 20% earnings
- Lounge & Fast Track: Prime —, Platinum —, Titanium free 2 times a year
- Phone insurance: Prime —, Platinum Free (3.500 TL), Titanium Free (3.500 TL)
- International brand privileges: Prime —, Platinum up to 5%, Titanium up to 5%
- Restaurants abroad: Prime —, Platinum 15%, Titanium 15%
- Netflix, Disney+, TOD, Gain, Exxen: Prime one of them with 25% earnings, Platinum one of them with 50% earnings, Titanium one of them free
- TOD, S-Sport: Prime one of them with 20% earnings, Platinum one of them with 40% earnings, Titanium one of them with 80% earnings
- YouTube, Spotify: Prime one of them with 17,5% earnings, Platinum one of them with 35% earnings, Titanium one of them with 70% earnings
- Amazon Prime: Prime —, Platinum —, Titanium Free
- HepsiburadaPremium & HBO Max: Prime —, Platinum Free, Titanium Free
- PlayStation & Steam: Prime 50 TL, Platinum 75 TL, Titanium 100 TL
- ChatGPT, Canva: Prime —, Platinum 20% earnings, Titanium 20% earnings
The current rates are always on the Colonies screen in the app. The website may occasionally be updated with a delay.
The app → Home → Colonies.
The current list of transaction fees, membership fees, limits and fee refunds is on the Fees & Limits page.
Call center hours
- Lost/Stolen reporting (Press 1): 24/7
- Financial Transactions (Press 2): 24/7
- General support: Monday–Saturday 09:00–21:00 (closed on Sunday)
- Update the app to the latest version
- Restart your phone
- Fully close the app and reopen it If the problem continues, call 0850 722 74 74.
Update the app and restart it. If that doesn’t help, call 0850 722 74 74.
Call 0850 722 74 74.
Update the app and check your internet connection. If the problem continues, call 0850 722 74 74.
Download it on your new phone from the App Store/Play Store and log in with your phone number. Your account will come over automatically.
Make sure MARS has notification permission in your phone settings. If the problem continues, update the app.
Update the app. If the problem continues, call 0850 722 74 74.
Restart your phone. If the problem persists, delete and reinstall the app — your account won’t be lost, and you can log in with your phone number.
My Profile → Settings.
My Profile → My Last Login Information.
My Profile → Agreements.
My Profile → Log Out.
A guide section that directs you to certain transaction pages so you can make better use of the app’s features.
The campaign terms and visuals you can benefit from based on your membership.
All the spending you’ve made with your MARS card.
The My Profile page: MARS Miles, Invite a Friend, My Personal Information, My Membership Information, My Saved Accounts, My Addresses, My Limits, Settings, My Last Login Information, MARS Contact Center, Agreements and Log Out.
My Cards → Select the card → Settings (top right): turn Online Purchases, International Purchases and Phone/Mail Order Purchases on or off; change/reset your card PIN; freeze your card.
Transactions → Pending Transactions (Request Money requests, Split Payments, Upcoming Payments).
My Profile → My Personal Information.
My Profile → My Membership Information.
My Profile → My Addresses.
My Profile → My Addresses → Tap the address → Edit → Save. To add a new address, tap the ‘+’ icon at the top right. Each address line can be a maximum of 20 characters.
My Profile → My Limits.
My Profile → My Saved Accounts (IBAN).
No. The MARS Contact Center will never call you and ask for your PIN or password. For some transactions, you may be asked to enter your PIN into the IVR system (using the keypad) for verification — never say it to an agent.
Yes. My Profile → My Last Login Information.
Call 0850 722 74 74 right away → Press 1.
Call 0850 722 74 74 right away → Press 1.
Call 0850 722 74 74 right away → Press 1.
Your account may be temporarily restricted for security reasons or in the case of high-value transactions. Call 0850 722 74 74.
Call 0850 722 74 74 right away.
You can report suspicious transactions 24/7 by calling 0850 722 74 74.
Call 0850 722 74 74.
Call 0850 722 74 74. Withdraw or transfer your balance first. Your request is forwarded to Moka United.
Before closing your account, you need to withdraw your balance or transfer it to another account.
0850 722 74 74. Monthly memberships can be cancelled at any time. Annual memberships can’t be cancelled before the 1 year is up.
Call 0850 722 74 74.
A feature for buying and selling gold, silver and platinum. It will be available soon. (Coming Soon)
It’s visible in the app and awaiting activation. (Coming Soon)
An e-commerce platform exclusive to MARS users. Premium brands. Not active yet. (Coming Soon)
Details haven’t been shared yet. (Coming Soon)
It’s visible in the app menu and awaiting activation. (Coming Soon)
It’s an SME loan feature offered to corporate members. Individual loan products are also coming soon.
This feature is coming soon. (Coming Soon)
Transactions → Invite a Friend → Share your invite link or code with your friend. If your friend becomes a MARS member and meets the conditions, you both earn MARS Miles.
Yes. The app → Transactions → Invite a Friend.
The friend you invite must: be a Turkish citizen, use a mobile line from an operator in Türkiye, add a card and a bank account to their MARS account, and make transactions of a certain amount after becoming a member. For the current conditions, check the app → Transactions → Invite a Friend screen.
A personalized card bearing the Mastercard/Troy logo, designed with the organization’s logo, which organizations can offer to their employees, members or business partners. As the card is used, it generates additional earnings for the organization at varying rates.
A corporate card that lets organizations manage all their spending through a single card. Discounts and cashback at 600+ brands, and payment instructions from a single panel.
If you’re a member of a B2B group, you add the code provided by your organization in the app. Transactions → Enter Corporate Code.
A loyalty program infrastructure that lets organizations offer exclusive benefits at 200+ brands to their employees, customers or members.
The corporate section of www.marsneo.com or 0850 722 74 74.
A virtual POS solution. Payments can be accepted from all bank cards, with extra benefits for MARS cards. Mobile and web integration, subscription billing.
An in-store contactless and card payment terminal. For the current status, call 0850 722 74 74.
A bulk payment and transfer infrastructure. It works via API, Excel uploads or ERP integration. 24/7 and low-cost.
An infrastructure that automatically collects subscription, membership or recurring service fees. The customer gives a one-time approval, and the system charges automatically.
A digital gift voucher sent by organizations to employees or customers. The balance is automatically reflected in the user’s MARS app. (Awaiting activation)
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