How to Open and Fund a Turkish Virtual Ininal Card

How to Open and Fund a Turkish Virtual Ininal Card

Turkey is considered a "cheap" region due to its weak national currency. For example, a Turkish Spotify subscription is almost 10 times cheaper than a United States subscription. That's why it makes sense to subscribe to local services.

A VPN allows you to create a Turkish account as if you're physically in Turkey. However, some services may require a local bank card for payments. This article will explain how to apply for a Turkish virtual Ininal card without traveling to Turkey. We'll also cover ways to top up your Ininal account using Letim, KoronaPay, or cryptocurrency.

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How to Register for an Ininal Card

One of the most significant advantages of an Ininal card is that you can get one without visiting a bank in person. It can be used to pay for Turkish subscriptions to international services such as Xbox Game Pass, Netflix, and Spotify.

Fees and limits:

• The monthly account usage fee is 30 Turkish lira (TRY).
• Commission for deposits from abroad is 1-3%, and for transactions, it is 3-4%.
• If there have been no financial transactions within 6 months, a fee of 100 TRY will be charged.
• The deposit limit is 2,750 TRY monthly (about $76). Your balance is part of the limit at the start of each month. For example, if you have 1,000 TRY on your account on the first day of the month, you can add 1,750 TRY more. If you upgrade to Ininal Plus, your limit increases to 500,000 TRY.

To sign up for Ininal, complete an online application on the Ininal website or mobile app. This guide follows the website registration process:

1. Turn off your VPN. Visit this link and choose "Registration with a foreign passport."
2. Enter your personal details.

1. Choose "I don't want a contract…" If you're in Turkey, you can opt for a contract and use Ininal without limits. You can sign the agreement at one of the partner offices or receive it by courier delivery. However, waiting for the courier may take a couple of months.
2. Accept the user agreement, agree to data processing and notifications, and enter your phone number. This is only for verification and login — Ininal does not send spam.
3. Enter the SMS verification code.
4. If everything is correct, you'll see a green checkmark. If you get a red checkmark, review your details and try again.
5. Wait for an SMS with a temporary password for the Ininal app. Download the app for Android or iOS and log in using your phone number and password from the SMS. If you don't receive an SMS, wait 30 minutes and request a password reset in the app. If you see a message saying your number isn't registered, wait a few more hours and try again.
6. Go to "My Ininal Card" and create your virtual card. Choose between Visa and Troy. Troy is Turkey's national payment system and works for Turkish subscriptions, but it may not be accepted internationally.

A physical card can be purchased at retail chains in Turkey. After that, the card must be linked to the account via the mobile application.

Upgrading to Ininal Plus

Why upgrade?

• Increases your deposit limit from 2,750 TRY to 500,000 TRY per month
• Lowers the monthly maintenance fee from 30 TRY to 25 TRY
• Enables unlimited money transfers from your accounts
• Allows you to withdraw cash from ATMs with Visa privileges

To switch to Ininal Plus, go to the Mobile App: "Others" -> "Start Now." The most reliable way to get Plus is personal verification in Istanbul. There are two options:

1. Visit the Customer Service Center or one of the partner offices,

2. Call a courier to your address. However, the waiting time may be several months. If your stay in Istanbul is limited, it is better to visit the office yourself.

Some users have successfully requested a remote upgrade by emailing [email protected].

How to Add Funds to Your Ininal Card

Using KoronaPay

1. Download the KoronaPay app for Android or iOS. Open the app and select "Transfers." Choose Turkey as the destination.

2. Select KoronaPay as the transfer method. The app may suggest IBAN transfers as more cost-effective, but IBAN transfers require a Turkish ID-verified card.

3. Enter the amount. The minimum transfer is $10. Select TRY as the currency. Turn off the "Notify recipient" option — you'll get a notification anyway. Click "Calculate."

4. Fill in the recipient's details:

• Phone number: The one used for Ininal registration. It's OK if it matches the sender's number.
• First and last name: Must match the passport.

5. Enter the sender's details and complete the payment.

6. Enter your bank's card details and SMS confirmation code in the payment window.

7. Once the transfer is ready, go to the Ininal app and tap "Get to Card." Enter your card number and select the recipient's name. The money usually arrives instantly but can take 3–5 minutes.

Using Letim

Letim is another virtual card with online verification, but it belongs to the Turkish Troy payment system, which has limited use. While you can pay for Netflix, other services may not accept Letim. It is more convenient to use Letim to fund Ininal.

1. Download the Letim app and verify your account with a phone number.

2. Top up your Letim card from a bank account. The deposit fee is about 3%.

3. Go to "Transfer" → "Transfer money to a Turkish bank account."

• If you don't have Ininal Plus, enter the general (consolidated) account details from the Ininal app (Top Up with Remark/EFT).
• Use "Ininal Odeme ve Elektronik Para Hizmetleri A.Ş." as the recipient name.
• Enter your account number in the transfer description (it is located under Account Details → Account Number in the Ininal app).

The fixed transfer fee is 8 TRY for amounts up to 1,000 TRY. Transfers are usually complete within 24 hours.

Using Cryptocurrency

Cryptocurrency makes international payments easy. To fund your Ininal card, use any crypto exchange that supports TRY withdrawals.

1. Register on an exchange (e.g., Bybit), verify your account, deposit funds, and buy USDT.

2. Go to the P2P trading section and select "Sell." Choose TRY as the currency and Bank Transfer as the payment method.

3. Find a seller who allows transfers to Ininal, Oldubil, Ozan, etc. In the transaction comments, mention that you're funding an Ininal account and include the relevant details from the Ininal app.

The minimum transfer is 250 TRY. During business hours, transactions are usually completed within 15 minutes. In P2P transactions, the exchange serves as a guarantor.

FAQ

How can I get an Ininal card?

Registering is free — you just need a passport. You can sign up via the website or mobile app. In Turkey, you can verify your identity in person to remove limits. A physical card can be purchased at partner points of sale in Turkey.

How much does it cost?

The account maintenance fee is 30 TRY, 1-3% for deposits from abroad, and 3-4% for transactions. There is a fine for an inactive account — 100 TRY every six months. The card's replenishment limit is 2750 TRY monthly.

Where can I use it?

Ininal works for Turkish accounts on services like Netflix, Xbox Game Pass, and Steam.

How do I upgrade to Ininal Plus?

The Plus status reduces the fees and increases the limit. It is obtained by personal verification in Istanbul.

How do I fund my Ininal card?

• KoronaPay
• Letim
• Cryptocurrency (convert USDT to TRY via P2P trading)