{"id":1388,"date":"2026-10-14T10:00:00","date_gmt":"2026-10-14T07:00:00","guid":{"rendered":"https:\/\/www.ahmetmutlu.av.tr\/?p=1388"},"modified":"2026-10-08T22:34:37","modified_gmt":"2026-10-08T19:34:37","slug":"iban-kiralama-cezasi-hesap-kullandirma","status":"publish","type":"post","link":"https:\/\/www.ahmetmutlu.av.tr\/index.php\/2026\/10\/14\/iban-kiralama-cezasi-hesap-kullandirma\/","title":{"rendered":"IBAN Kiralama Cezas\u0131: Hesab\u0131n\u0131 Kulland\u0131ran\u0131 H\u00fck\u00fcmden Sonra Neler Bekler?"},"content":{"rendered":"

<\/p>\n

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G\u00f6zden ge\u00e7irme:

Banka hesab\u0131n\u0131 birka\u00e7 bin lira kar\u015f\u0131l\u0131\u011f\u0131nda ba\u015fkas\u0131na \u201ckiraya veren\u201d biri i\u00e7in iban kiralama cezas\u0131, 31 Temmuz 2026’dan bu yana eskisinden farkl\u0131 hesaplan\u0131yor. 7589 say\u0131l\u0131 Kanun, T\u00fcrk Ceza Kanunu’nun 158. maddesine yeni bir d\u00f6rd\u00fcnc\u00fc f\u0131kra ekledi: Doland\u0131r\u0131c\u0131l\u0131\u011fa katk\u0131s\u0131 yaln\u0131zca hesab\u0131n\u0131, kart\u0131n\u0131 ya da hesaba eri\u015fim bilgilerini vermekten ibaret olan ki\u015finin cezas\u0131 yar\u0131 oran\u0131nda indirilir. Bu de\u011fi\u015fiklik, h\u00fckm\u00fcn ertelenmesi, HAGB ve infaz s\u00fcresi gibi sonu\u00e7lar\u0131 da do\u011frudan etkiliyor.<\/p>\n

\n

Bir bak\u0131\u015fta<\/p>\n

\n
Dayanak<\/dt>\n
TCK 157, 158\/1-f, 158\/4 (7589, y\u00fcr\u00fcrl\u00fck 31.07.2026), 168<\/dd>\n
Temel ceza<\/dt>\n
Bili\u015fim veya banka arac\u0131l\u0131\u011f\u0131yla doland\u0131r\u0131c\u0131l\u0131kta 4\u201310 y\u0131l hapis; yaln\u0131z hesap vermekle s\u0131n\u0131rl\u0131 katk\u0131da yar\u0131 oran\u0131nda indirim<\/dd>\n
Uzla\u015ft\u0131rma<\/dt>\n
Yok; nitelikli doland\u0131r\u0131c\u0131l\u0131k uzla\u015ft\u0131rma listesinde de\u011fil<\/dd>\n
G\u00f6revli mahkeme<\/dt>\n
Asliye ceza mahkemesi<\/dd>\n
Lehe kanun<\/dt>\n
2026 \u00f6ncesi dosyalarda da TCK 7 ile uygulan\u0131r<\/dd>\n<\/dl>\n<\/div>\n
\nBu yaz\u0131da neler var?<\/summary>\n
    \n
  1. Hesab\u0131n\u0131 Ba\u015fkas\u0131na Kulland\u0131ran Ki\u015fi Hangi Su\u00e7tan Yarg\u0131lan\u0131r?<\/a><\/li>\n
  2. IBAN Kiralama Cezas\u0131 7589 ile Nas\u0131l De\u011fi\u015fti?<\/a><\/li>\n
  3. Eski Tarihli Dosyalarda Yeni \u0130ndirim Uygulan\u0131r m\u0131?<\/a><\/li>\n
  4. Hesab\u0131n\u0131 Bilmeden Kulland\u0131ran Ki\u015fi Sorumlu Olur mu?<\/a><\/li>\n
  5. Soru\u015fturma A\u015famas\u0131nda Hesap Sahibini Neler Bekler?<\/a><\/li>\n
  6. H\u00fck\u00fcmden Sonra Ne Olur: HAGB, Erteleme ve \u0130nfaz<\/a><\/li>\n
  7. Mahk\u00fbmiyetin Adli Sicil, Memuriyet ve Silah Ruhsat\u0131na Etkisi<\/a><\/li>\n
  8. IBAN Kiralama Soru\u015fturmas\u0131 \u0130\u00e7in Ad\u0131m Ad\u0131m<\/a><\/li>\n
  9. IBAN Kiralama Cezas\u0131 Hakk\u0131nda Merak Edilenler<\/a><\/li>\n<\/ol>\n<\/details>\n

    Hesab\u0131n\u0131 Ba\u015fkas\u0131na Kulland\u0131ran Ki\u015fi Hangi Su\u00e7tan Yarg\u0131lan\u0131r?<\/h2>\n

    Uygulamada \u201cIBAN kiralama\u201d denilen fiil, kanunda ayr\u0131 bir su\u00e7 olarak tan\u0131mlanm\u0131\u015f de\u011fildir. Hesap sahibi, ba\u015fkalar\u0131n\u0131n y\u00fcr\u00fctt\u00fc\u011f\u00fc doland\u0131r\u0131c\u0131l\u0131\u011fa i\u015ftirak eden ki\u015fi olarak yarg\u0131lan\u0131r. Doland\u0131r\u0131c\u0131lar ma\u011fdurdan para isterken kendi adlar\u0131na a\u00e7\u0131lm\u0131\u015f hesaplar\u0131 kullanmak istemez; paray\u0131 bir arac\u0131 hesaba yat\u0131rt\u0131r, oradan h\u0131zla \u00e7ekerler. Arac\u0131 hesab\u0131n sahibi de bu zincirin bir halkas\u0131 h\u00e2line gelir.<\/p>\n

    Ma\u011fdur internet \u00fczerinden, sahte ilan veya mesajla kand\u0131r\u0131ld\u0131ysa su\u00e7 \u00e7o\u011funlukla TCK 158\/1-f kapsam\u0131na girer: bili\u015fim sistemlerinin, banka veya kredi kurumlar\u0131n\u0131n ara\u00e7 olarak kullan\u0131lmas\u0131. (f) bendine giren olaylarda hapis d\u00f6rt y\u0131ldan ba\u015flar, on y\u0131la kadar \u00e7\u0131kabilir. Bu bentte adli para cezas\u0131, doland\u0131r\u0131c\u0131lar\u0131n sa\u011flad\u0131\u011f\u0131 menfaatin iki kat\u0131n\u0131n alt\u0131nda belirlenemez. Basit doland\u0131r\u0131c\u0131l\u0131kta (TCK 157) ise ceza bir y\u0131ldan be\u015f y\u0131la kadard\u0131r.<\/p>\n

    Hesab\u0131n kimin ad\u0131na oldu\u011fu tek ba\u015f\u0131na mahk\u00fbmiyet i\u00e7in yetmez. Savc\u0131l\u0131k, hesap sahibinin paray\u0131 bir doland\u0131r\u0131c\u0131l\u0131k i\u00e7in kulland\u0131rd\u0131\u011f\u0131n\u0131 bildi\u011fini ve buna r\u0131za g\u00f6sterdi\u011fini ortaya koymak zorundad\u0131r. Fail, azmettiren ve yard\u0131m eden ayr\u0131m\u0131 i\u00e7in su\u00e7a i\u015ftirak ve faillik<\/a> yaz\u0131s\u0131 genel \u00e7er\u00e7eveyi verir.<\/p>\n

    IBAN Kiralama Cezas\u0131 7589 ile Nas\u0131l De\u011fi\u015fti?<\/h2>\n

    Yeni 158\/4’e g\u00f6re doland\u0131r\u0131c\u0131l\u0131\u011fa i\u015ftirak, \u201ckendisine veya ba\u015fkas\u0131na haks\u0131z bir menfaat sa\u011flamak amac\u0131yla\u201d kendine ya da ba\u015fkas\u0131na ait banka kart\u0131, kredi kart\u0131 gibi \u00f6deme ara\u00e7lar\u0131n\u0131 veya banka, arac\u0131 kurum, \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 ya da kripto varl\u0131k hizmet sa\u011flay\u0131c\u0131s\u0131 nezdindeki hesab\u0131n kullan\u0131lmas\u0131n\u0131 sa\u011flayan zorunlu bilgileri veya ara\u00e7lar\u0131 ba\u015fkas\u0131na vermekle s\u0131n\u0131rl\u0131ysa, verilecek ceza yar\u0131 oran\u0131nda indirilir. \u0130ndirim hem 157 hem 158 kapsam\u0131ndaki doland\u0131r\u0131c\u0131l\u0131k i\u00e7in ge\u00e7erlidir.<\/p>\n

    F\u0131kran\u0131n kapsam\u0131 dard\u0131r. Hesab\u0131n\u0131 veren ki\u015fi ma\u011fdurla konu\u015fmu\u015f, sahte ilan\u0131 haz\u0131rlam\u0131\u015f ya da paray\u0131 kendi eliyle \u00e7ekip teslim etmi\u015fse katk\u0131s\u0131 art\u0131k \u201chesap vermekle s\u0131n\u0131rl\u0131\u201d say\u0131lmayabilir. Bu durumda indirim uygulanmaz ve ki\u015fi di\u011fer faillerle ayn\u0131 aral\u0131ktan cezaland\u0131r\u0131labilir. Dosyadaki banka hareketleri, ATM kay\u0131tlar\u0131 ve yaz\u0131\u015fmalar bu ayr\u0131m\u0131n temel delilidir.<\/p>\n

    \n\n\n\n\n\n\n\n\n
    Varsay\u0131msal hesap<\/th>\nSonu\u00e7<\/th>\n<\/tr>\n<\/thead>\n
    158\/1-f alt s\u0131n\u0131rdan temel ceza<\/td>\n4 y\u0131l hapis<\/td>\n<\/tr>\n
    158\/4 yar\u0131 oran\u0131nda indirim<\/td>\n2 y\u0131l hapis<\/td>\n<\/tr>\n
    TCK 62 takdiri indirim (1\/6)<\/td>\n1 y\u0131l 8 ay hapis<\/td>\n<\/tr>\n
    HAGB ve erteleme s\u0131n\u0131r\u0131<\/td>\n2 y\u0131l ve alt\u0131: tart\u0131\u015f\u0131labilir<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    Tablo yaln\u0131zca mekanizmay\u0131 g\u00f6sterir. Mahkeme alt s\u0131n\u0131r\u0131n \u00fcst\u00fcne \u00e7\u0131kabilir, \u00fc\u00e7 veya daha fazla ki\u015finin birlikte i\u015flemesi h\u00e2linde 158\/3 uyar\u0131nca cezay\u0131 yar\u0131 oran\u0131nda art\u0131rabilir, birden fazla ma\u011fdur varsa zincirleme su\u00e7 h\u00fckm\u00fcn\u00fc (TCK 43) uygulayabilir. Her art\u0131r\u0131m, iki y\u0131ll\u0131k e\u015fi\u011fi a\u015fma ihtimalini b\u00fcy\u00fct\u00fcr.<\/p>\n

    \"IBAN
    158\/4 \u0130ndirimi Ne Zaman Uygulan\u0131r?<\/figcaption><\/figure>\n

    Eski Tarihli Dosyalarda Yeni \u0130ndirim Uygulan\u0131r m\u0131?<\/h2>\n

    Uygulan\u0131r. TCK 7\/2’ye g\u00f6re su\u00e7 tarihinden sonra y\u00fcr\u00fcrl\u00fc\u011fe giren kanun failin lehine ise o kanun uygulan\u0131r. 158\/4 cezay\u0131 azaltt\u0131\u011f\u0131 i\u00e7in 31 Temmuz 2026’dan \u00f6nce verilen hesaplar bak\u0131m\u0131ndan da dikkate al\u0131n\u0131r. 7589 say\u0131l\u0131 Kanun bu ge\u00e7i\u015fi ayr\u0131ca ge\u00e7ici 1. maddesinde d\u00fczenledi.<\/p>\n