Hi guys
Being a canny Scot I'm always looking at the best value for money lol. I've recently subscribed to a free Sterling Bank card. I applied on line, sent them a photo of my driving licence as proof of identity, (passport will do too) and 48 hours later the card popped through the letter box. Download the app, transfer in some cash from your bank and your ready to go. I't works as contactless, or pin and has a stripe for swiping. The best bit is you can withdraw up to £300 in TRY per day from any ATM and pay no commission. I used it at the Akbank ATM in Calis and the Ziraat bank ATM a few days ago and while the Ziraat ATM said there was a 3% charge I got 70 TRY from both ATM,s for £9.93. I went to the change shop in Calis on the same day and got 6.8 with our loyalty card. The exchange rate is based on the mastercard rate prevailing at the time that the bank does the actual transfer (it was 24hrs later for Akbank and 48hrs later for Ziraat but both rates were identical at 7.04)
Hope this helps someone.
Billy