I wanted to buy something online in Turkey but it declined my debit card from Garanti, when I called to see why it is a security measure. I had to go into my online account and set up a virtual debit card (if you have a credit card with the bank you can also do this) It takes a few seconds and generates a number expiry date and 3 digit code. You then transfer money on to the card (in my case 75tl to have a steamer delivered which was 65tl cheaper than the local stockist).
You can transfer money both ways any time with no charge.
I have never used google chrome till now, every page for online shopping has a translate to Turkish option so it makes it easy, which is not good if you are a shopaholic like me.