Remove gold under your mattress and open a gold account with Ziraat Bank's assurance!

It is a time deposit account that can be opened in gram gold of 1000/1000 carat with a maturity of 30-400 days, which you can use at any time through our nationwide branch network and Internet Branch.​


  • The minimum amount required for opening is 25 grams.
  • While evaluating your savings as gold without the risk of being stolen or lost, it provides the opportunity to earn interest income in gold.
  • Covered by the Savings Deposit Insurance.
  • Subject to a 15% withholding tax (Security Income Tax) at the interest amount.

    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.


Gold Time Deposit Account Interest Rates

Term Groups Ratio
Demand Deposit %0.00
Between 1 - 29 days %0.00
Between 30 - 31 days %0.50
Between 32 - 91 days %0.50
Between 92 - 180 days %0.50
Between 181 - 364 days %0.50
Between 365 - 400 days %0.50

* Minimum Gold Time Deposit Account opening amount is 25 g of 1000/1000 purity gold.