Why is there no company account number on the Turkish bank slip?

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  • Dec 27, 2025 at 03:48
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We have a Turkish client who, after making a payment, sent us a bank statement that only showed the bank's name and SWIFT code, but not their company's specific account information. Is this normal? Could this be a scam? Our finance department said they can't clear the payment. What should I do?

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Daniel Xu
Daniel XuYears of service：10Customer Rating：5.0

Director of Import & Export OperationsStart a Chat

This situation does indeed occur frequently in Turkish payments，but it's essential not to take it lightly. First，you need to check three compliance risk points。

1. Confirm whether the paying bank is on the sanctions list. Some Turkish banks deliberately hide client information due to the risk of U.S. secondary sanctions。

2. Require the client to provide the full MT103 message，focusing on verifying the 50a (remitter) and 59a (beneficiary) fields，where the real payer's information is hidden。

3. Ask the client to provide stamped copies of the commercial invoice and contract，cross-verifying the consistency of the payment subject。

If the client cannot provide the MT103 message，or if the message shows that the payer is a third-party individual/company，you need to immediately suspend the transaction and reassess the risks. Remember，the payment slip is just a bank payment notification，not a legal document. A payment slip without account information is considered an invalid document in compliance audits.

Linda Gao
Linda GaoYears of service：7Customer Rating：5.0

Documentation SupervisorStart a Chat

From a logistics operational perspective, my advice is: do not arrange for electronic release or send the original bill of lading until the payment has been fully verified. You need to ask the client to provide three core documents: 1) a bank-stamped payment confirmation, which will show the complete payer's account information; 2) a copy of the MT103 message; and 3) a copy of the payer's business license. After obtaining these documents, have your bank send an inquiry message to the paying bank via the SWIFT system. A formal response can usually be received within 2-3 working days. During this period, the goods can be stored in a bonded warehouse or temporarily held for release. If the client is a first-time partner with a large amount involved, it is recommended to switch to a letter of credit, which although more expensive, can completely avoid the risk of information asymmetry.

Jason Wu
Jason WuYears of service：10Customer Rating：5.0

International Logistics & Supply Chain ManagerStart a Chat

This is indeed a common situation with Turkish clients, and if handled poorly, it may easily make them feel that we don't trust them. I suggest communicating in this way: First, acknowledge them, "Thank you for your timely payment. Our finance department encountered a minor technical issue when processing the payment," then state the specific requirement, "According to Chinese banking regulatory requirements, we need a bank certificate showing the full payment party's account information. Could your bank issue a stamped payment confirmation letter? It can usually be done within the same day." This way, you'll save face for the client while setting a compliance threshold. If they evade the issue, you can probe further, "Were you paying through an agency? If so, we need the agency's authorization letter to complete our records." Remember, genuine buyers will cooperate actively. Those who repeatedly make excuses not to provide information are likely middlemen or have compliance issues. Such clients pose high risks even after a deal is finalized, so it's better to screen them out early.

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