Advantageous Time Deposit Account

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Earn additional interest on your deposit account as you make your payments from our Bank. Moreover, in any term you want, from 32 days to 364 days!

Features

  • It can be opened to real persons in TL with a maturity range of 32-364 days.
  • Only 1 account can be opened per customer.
  • It can be opened with a minimum of 10,000 TL and a maximum of 5,000,000 TL.
  • Additional interest is earned if the payment and spending transactions specified below are made in the specified amount.
  • Up to 50% of the account balance can be withdrawn from the account at any time, and no interest will be calculated on the withdrawn amount, but interest will be calculated on the remaining amount in the account.
  • Withdrawals cannot reduce the account balance below 10,000 TL. Withdrawals below this amount can only be made by closing the account.
  • Deposits cannot be made outside the maturity date.
  • The Bank reserves the right to make any changes regarding the product, especially the interest rates and additional interest rates.

Transactions That Will Earn Additional Interest

Additional interest will be provided to the customer with the following transactions made from their current TL accounts;

  • Bill Payments,
  • Tax/SGK and Official Institution Payments,
  • HGS and Traffic Payments,
  • Education, Exam, OSYM and University payments,
  • Municipality Payments, Transportation Card Top-ups,
  • GSM Top-Ups,
  • Donations,
  • Other payments made to our Bank's contracted institutions,
  • Expenditures made domestically from a current account with Bankkart's debit card feature.

Announcement about Savings Deposit Guarantee

Pursuant to the provisions of the "Regulation on Deposits and Participation Funds Subject to Insurance and Premiums to be Collected by the Savings Deposit Insurance Fund", published in the Official Gazette no. 32745 of 07.12.2024; the aggregate of the principal amount and interest rediscounts of savings deposit accounts denominated in Turkish Lira, a foreign currency, or a precious metal, which have been established with the domestic branches of a credit institution operating in Turkiye in the name of real persons and which are not subject to commercial transactions other than issuance of a cheque are under insurance protection up to 950 thousand Turkish Liras.

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İNTEREST RATES:

Maturity (Days) Interest
32-45 %40
46-91 %35
92-180 %30
181-364 %25

ADDITIONAL INTEREST RATES BASED ON PAYMENT/EXPENDITURE TRANSACTION AMOUNTS:

Spending Target (TL) Additional Interest
10.000-24.999 +%4
25.000-49.999 +%6
50.000-99.999 +%7
+ 100.000 +%8

Application Channels

OUR BRANCHES
ZİRAAT MOBILE
INTERNET BRANCH