Service quality, customer satisfaction, and loyalty constitute the golden formula for the success and longevity of any financial institution in the modern market, as service quality and value directly impact customer satisfaction and, consequently, loyalty. This study aims to evaluate the impact of service quality on customer satisfaction, customer loyalty, and the costs associated with internal and external transfer services SERVPERF at the Kuveyt Turk Bank (Imes branch). A quantitative cross-sectional survey design was adopted, and data were collected in 2025. The study population consisted of the bank's customers; given that the exact size of the statistical population was unknown, the sample size was set at a minimum of 132 customers. Data were collected using a socio-demographic questionnaire and the SERVPERF model to measure service quality. The data were statistically analyzed using frequencies, percentages, arithmetic means, standard deviations, ANOVA, and the t-test via SPSS version 26 software, with a statistical significance level of p<0.05. The mean scores were 3.7955 ± 1.11197 for Customer Satisfaction, 2.9614 ± 0.98078 for Customer Loyalty, and 3.8189 ± 1.00960 for Service Quality. The Multiple R value for the model was 0.953, indicating a positive relationship between service quality and customer satisfaction, and between customer satisfaction and loyalty, as well as a statistically significant relationship between service quality and customer loyalty. The study also examined the relationship between customer satisfaction and the costs paid for internal and external transfer services provided by the bank. The mean scores for questions 26 and 27 of the questionnaire were 2.17 and 2.05, respectively, which negatively impacted the level of customer loyalty. This was confirmed by the statistically non-significant result for question 26, indicating the study sample's dissatisfaction with the costs incurred for internal and external transactions................... Keywords:............ Service quality, customer satisfaction, customer loyalty, Kuveyt Turk Bank.