Unable To Use Yapı Kredi Mobile App And Blockage On My Account

I have been a long-time individual customer of Yapı Kredi Bank, and I have products such as a credit card and an overdraft (esnek hesap). For a while I had payment difficulties with these products, and in this regard I consider the bank’s position to be understandable. I therefore went to the bank and restructured both products. As a result, my credit card was cancelled and my overdraft account was deactivated, which I can also understand as a normal consequence. However, the company I work for has recently signed a salary agreement with Yapı Kredi as of March 2026. Within this scope, our salary accounts were opened and the necessary definitions were made. At this point I learned that, despite having already restructured my debts, my access to the Yapı Kredi mobile banking application has been completely blocked and there is a statement that my account is under blockage. I was informed that I will not be able to carry out any transactions via the mobile application regarding any salary that will be deposited into this account, and that I will have to go to the branch in person every month and receive my entire salary at the teller in cash. I find this practice extremely illogical and incompatible with today’s banking standards. While the bank continues to earn from the salary that will be regularly deposited into my account, I am not allowed to access the money I have earned through my own labor via the mobile application on my phone. In a period where almost all banking transactions are carried out digitally, forcing a customer who has already restructured their debts to physically go to the branch every month just to access their salary is, in my opinion, an unfair and disproportionate sanction. Today I contacted Yapı Kredi customer service by phone and raised my objection. However, I was only told that “this is our procedure” and no solution was offered. I do not find it acceptable that such a rigid practice is applied without any flexibility or evaluation of the customer’s current situation. I request that the blockage on my account be removed, that my access to Yapı Kredi mobile banking be reactivated, and that I be allowed to freely use my salary deposited into my account through digital channels like any other customer.