TOM Bank, operated by T.O.M. Katılım Bankası A.Ş., is a digital participation bank in Türkiye focused on providing everyday financial services through its mobile app, without requiring customers to visit a branch. The bank presents its approach as customer-focused, transparent, ethical and guided by participation banking principles. Customers can join through the Hadi app by completing identity verification, including a video call with a representative.

Its offerings include payment and money-transfer services, free transfers and bill payments, automatic payment instructions, and the ability to pay another bank’s credit card bill. Customers can also access installment shopping finance and “buy now, pay later” options, savings products based on profit-and-loss sharing, participation-based term accounts, and foreign currency and gold transactions. The bank also promotes a lifetime-free credit card and cashback on purchases at participating merchants. Customers can withdraw and deposit cash at A101 stores, and use the app for daily banking services around the clock.