Moving to Turkey as a Foreigner
Some may think moving to Turkey as a foreigner is a brave or complicated process. Yet, the truth is that moving is relatively easy. Many foreign citizens have residence permits throughout the country. Some have moved to large cities for job opportunities. Others, like Brits and those from European countries, retired out here. Then, some marry a Turk and decide their family home should be here.
However, fear, hesitation, and significant concerns are natural feelings when you are unsure what to do. So, we’ve tackled the most common problems, questions, and processes so you can enjoy Turkish culture with some peace of mind.
About Moving to Turkey as a Foreigner
1: Money Talks - Wise Financial Management
Money matters are always the main concern and rightly so. Most foreign residents agree that compared to Western countries, the cost of living is far cheaper, despite inflation problems over the last few years. However, before you even look at somewhere to live or book that flight ticket, get your finances in order and plan.
Expats living on a pension have peace of mind thanks to the consistent income but still practise wise financial management. Understand living expenses to deal with exchange and interest rate changes, and give yourself a buffer zone for unexpected events.
About Interest Savings Accounts: Some foreigners convert their currency and deposit the money into high-interest savings accounts. However, interest rates are not static and vary from month to month. The Turkish government favours low interest rates since this encourages people to get mortgages and take out business loans. Global and domestic economic problems are currently generating high interest rates, but this will change, so bear that in mind.
Inflation: Some foreigners forget to factor in inflation when calculating daily expenses, which is a regular occurrence in every country worldwide. While most people deal with inflation on items like supermarket shopping, for those expats who rent rather than buy and are already living on a budget, it means tightening their pockets even more as their monthly expenses increase.
Current Exchange Rates: Economists predict to the best of their ability, but currency rates will go up and down like a yo-yo and react quite heavily to global events. This happened to the Turkish lira during the COVID-19 pandemic. The Russian-Ukraine war affected currency rates worldwide, and since the Turkish lira is heavily linked to the USD, events there affected it. Exchange rates will primarily affect those who receive a pension or salary in a foreign currency.
Tax Issues: Obviously, no one wants to pay tax twice to two different countries, but Turkey has double taxation agreements with many countries, including the UK, so people don't have to pay tax twice.
Turkish Banking: From Turkish cities to the Mediterranean coast, expect loads of banks to choose from, and you will need one for various procedures. In towns with large expat communities, some banks have foreign-speaking staff. Some banks have accounts, especially set up for expats. Shop around to find out which bank suits you best. Choices include HSBC, Garanti, Halk, Deniz and TED.
2: To Rent or Buy Property
This personal preference will depend on your long-term plans and budget. Some foreigners rent first to see if they like it. Others buy a home for long-term stability and quality of life and to generate wealth for their children. Average rent prices vary from significant cities to coastal destinations. If renting, do get a contract because foreigners need this for residency permits.
If you want to buy the property and want to know more about our property services, call today or see our portfolio of apartments and villas for sale in major destinations. Learning about inheritance law regarding property ownership is in-depth and needs an article because it depends on the relationship between surviving spouses and living relatives/dependents. However, some foreigners make a "testate succession, " a private will to override state inheritance laws.
3: Residency Permits and Visa Requirements
When entering the country for tourist purposes, foreigners can stay 90 days out of 180 days on a tourist visa. To stay longer, get a Turkish residence permit. Various permits are available to foreigners, depending on circumstances. Students live here on study visas, while those marrying a Turk apply for family visas until they receive their own Kimlik to become a Turkish citizen. In 2024, Turkey launched a digital nomad visa that is eligible for up to one year for nomads earning $36,000 or more, but you will pay tax on your income for tax purposes.
Most people applying for a short-term residence visa are eligible for one year on the first application and two years after. Before you leave, check, and make copies of all documents for official purposes. Check the passport validity because authorities only give 1-year residencies if you have that much time left on your passport. You can apply at the Turkish embassy in your home country, but most foreigners apply when they arrive and fill in the application form via the online website.
4: Turkish Language Barriers in Daily Lives
Turkey has diverse traditions and a rich culture, including the Turkish language, that most foreigners struggle to learn. This doesn't impact daily lives in popular destinations with tourism since most locals speak English, thanks to tourism trades. However, it will be a problem when you deal with Turkish authorities.
On these occasions, foreigners typically employ a translator or a fixer to help them with residence permits or hospital appointments. However, we still recommend learning at least one word daily or downloading an app to learn the basics. You don't have to speak the language fluently, so relax and have fun learning.
5: Working in Turkey and Becoming a Business Owner
For retirees, the experience is one of leisure and pleasure. However, some people move for work or would like to work. Skilled workers should investigate the three-year exemptions that were launched in 2024. These apply to refugees, experienced professionals, journalists, and athletes. Turkey also launched a three-year tech visa to attract tech-driven start-ups and business ventures.
However, other jobs need standard permits, and your employer is responsible for applying for this. Please do not attempt to work illegally. It usually involves deportation and a ban on re-entering. Do get a contract, know your worker rights, and exactly what the employer expects. The average work hours are 45 a week. To own a business, do thorough research. Turkey has strict laws regarding average salary entitlements, workers' health insurance programs, income tax rates, weekly hours, and whether you can work in your business.
6: Medical Care
While the beaches with blue water and sandy coasts are a great lure, don't neglect your healthcare insurance. Although people over 65 do not need insurance by law, they are still liable for any procedures, even in severe cases like heart attacks or strokes. Those under 65 need social or private health insurance to apply for residence.
Choose from the state-run Social Security SGK service or a wide range of private policies. Medical services from public, state, and private hospitals are excellent, so expect high-quality care. Foreigners on permanent medication should check if Turkey offers the same or equivalent medication and, upon arriving, register with their local doctor.
7: Schools and Education
Expats have a choice between state or private international schools. Most foreigners choose the latter because they operate internationally recognised curriculums and qualifications, so should your child choose to leave Türkiye at any stage, their qualifications will be recognised. Some foreign expats say the state-run public education system isn’t on par with other countries. The one downside is that private schools do have heavy seasonal fees.
Pros of Living in Turkey
Culture and Lifestyle: The blend of traditions and cultures makes it a friendly, laidback environment with a good pace of life. Western cultures slot right in because this secular, Muslim country has much freedom. Most say they feel a sense of security and safety compared to their home country.
Weather: Turkey's pleasant climate all year round encourages an outdoor, leisurely lifestyle. For outdoor activities, Turkey excels in adventure sports and golfing. The Turquoise Coast is famed for sailing. Do be aware, though, that there are several different climate zones. For example, while the Antalya region is bursting with sunshine and a warm climate, the northeast snows in winter.
Property: The property purchase process is quick and easy. Government authorities have outlined specific rules and regulations to ensure buyers' investments are safe. All buyers need is a valid, official passport, Turkish tax number, and a bank account. Within a week, receive your title deeds.
Places: The country's blend of history has left many landmarks and places to explore. Those who like history will feel at home. Turkey has 7000 kilometres of picturesque beaches, some of which rank as the world’s best. Otherwise, explore thousands of unique destinations at your leisure.
Popular Places Where Expats Live
Bustling Istanbul: Easily outranking European cities, as both a popular tourist destination and for permanent residence, Istanbul is the beating heart of Turkey despite not being the capital. There is an excellent public transport system, and most expats live in neighbourhoods like Bebek and Cihangir. Living here is an immersive experience that evokes all the senses. However, Istanbul is Turkey’s costliest city.
Antalya Region: Boasting turquoise waters and blue water quality, the Antalya region on Turkey’s southwestern coast stretches from Alanya to the outskirts of Kas and Kalkan districts. The bustling city centre is home to Konyaalti and Lara beaches, two of Turkey's best. It's an intriguing destination on all levels and the larger city on Turkey’s central coast.
Fethiye Region: Consisting of the city centre and smaller areas like Oludeniz, Calis Beach, Hisaronu, and Ovacik, this Mediterranean destination excels at expat living and has beautiful beaches. Its rich history is seen in places like the Lycian rock tombs, Paspatur old town, and Kayakoy ghost village. The Western influence is strong there, and it has a rewarding life.
Bodrum Peninsula: With fused tradition between old and modern, the Bodrum Peninsula is where to head for luxurious lifestyles. Places like Yalikavak, Golturkbuku and Torba are known for luxury homes and restaurants. Expect pristine beaches and huge sailing scenes. The peninsula is one big playground with clear waters and water sports.
Aegean Altinkum: Sometimes called Didim, this ideal destination is an experience for ex-pats looking for home comforts and budget living with middle-class lifestyles. More affordable eating out and renting rates also attract tourists visiting places like Germany or France. Expect numerous blue flag-certified beaches with vibrant cultures and slower paces throughout the town.
Cultural Bursa: Once remaining a week kept secret, Bursa has risen in popularity since the historic centre received UNESCO World Heritage status. As well as tourist visits, ex-pats living there have their favourite spots, including the nearby Uludag mountain. Bursa is not expensive, and attractive outskirt destinations are worth exploring.
Use Our Services
We help with the property buying experience for expats looking at apartments and villas for sale. Our specialised care and attention to this part of your life journey will ensure you always feel at ease and in the driving seat. Selling homes in all parts of this captivating country, we offer a level of service in various cities and towns to ensure you find the home of your dreams. From favourite spots in Istanbul and the med to lesser-known destinations, call us today and chat more about moving to Turkey as a foreigner and how we can help.
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