Dowry Account

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25% State-funded Dowry Account is at Ziraat!

Open a Dowry Account as of 18.04.2016. If you save for at least 3 years and get married before you turn 27, you will receive a state contribution of maximum 25% of your total savings.

Who Can Benefit from the State-funded Dowry Account?

  • Turkish citizens who have not completed 24 years of age and have not been married before or those who are within the scope of Article 28 of the Turkish Citizenship Law No. 5901,
  • Those who have made regular payments for at least 3 years before the date of marriage,
  • Those who marry before the age of 27 and apply with documents within 6 months from the date of marriage will be eligible for the state contribution.
  • If regular payments are delayed, the right to receive the state contribution will not be obtained.

Features

  • Your savings gain value with both the state contribution and our advantageous interest rates.
  • The state contribution varies depending on the payment, but cannot exceed 25% of the savings in the relevant account as of the date of marriage.
  • The maximum amount of state contribution and the lower/upper limits for regular payments will be increased by the revaluation rate every year.
  • In addition to regular payments, funds can be deposited into the account at any time, provided that they do not exceed the upper limit.
  • An amount exceeding the upper limit can be deposited for once during the opening of the account.
  • Dowry Account can be opened in TRY. It cannot be opened as a joint account.
  • No more than one Dowry Account can be opened in the name of one person and the account cannot be transferred to another bank.
  • It is possible to withdraw from savings twice a year, provided that the account balance does not fall below the minimum payment amount.

The state contribution amounts for 2024 according to the duration of regular payments made to the dowry account are as follows;

Maturity State Contribution Rate Maximum Contribution Rate
36-47 %20,00 41.827,60
48-59 %22​,00 48.262,60
60+ %25,00 57.915,15

Up to a maximum of TRY 149.869,09 for 2024 can be deposited for a one-off deposit at the time of opening.

 

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. 32399 of 14.12.2023; 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 650 thousand Turkish Liras.

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