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 50,000 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  • Up to 50% of the account balance can be withdrawn from the account at any time, and no interest will be calculated on the withdrawn amount, but interest will be calculated on the remaining amount in the account.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 50,000 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

  • Expenditures made domestically with a debit card,
  • Expenditures made domestically with a credit card,
  • Bill Payments,
  • Tax/SGK and Official Institution Payments,
  • HGS and Traffic Payments,
  • Education, Exam, ÖSYM and University payments,
  • Municipality Collections, Transportation Card Top-Ups,
  • GSM Top-Ups,
  • Donations,
  • Other payments made to our Bank's contracted institutions,

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; this coverage applies to accounts held at the domestic branches of a credit institution operating in Türkiye, with the exception of those belonging to official institutions, credit institutions, and financial institutions. The aggregate of the principal amount and interest rediscounts of deposit accounts denominated in Turkish Lira, a foreign currency, or a precious metal are under insurance protection up to 950 thousand Turkish Liras.

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Time Deposit Account Interest Rates

Vade Grupları 0,00 - 999,99 TL 1.000 TL ve Üzeri
Vadesiz %0.00 %0.00
1 - 29 gün %0.00 %4.50
30 - 31 gün %0.00 %4.50
32 - 91 gün %0.00 %5.00
92 - 180 gün %0.00 %5.00
181 - 364 gün %0.00 %5.00
365 - 730 gün %0.00 %5.00
1 Yıl Vadeli 1 Ayda Bir Faiz Ödemeli %0.00 %5.00
1 Yıl Vadeli 3 Ayda Bir Faiz Ödemeli %0.00 %5.00
1 Yıl Vadeli 6 Ayda Bir Faiz Ödemeli %0.00 %5.00
Birikimli Mevduat Hesabı %30.00 %30.00
Çeyiz Hesabı %30.00 %30.00
Konut Hesabı %30.00 %30.00
Vade Grupları 1.000,00 - 4.999,99 TL 5.000 - 99.999,99 TL 100.000 - 499.999,99 TL 500.000,00 TL ve üzeri
Vadesiz %0.00 %0.00 %0.00 %0.00
1 - 7 gün %4.50 %25.00 %31.00 %32.00
8 - 20 gün %4.50 %25.00 %31.00 %32.00
21 - 29 gün %4.50 %29.00 %32.00 %34.00
30 - 31 gün %5.00 %33.00 %38.00 %39.00
32 - 45 gün %5.00 %33.00 %38.00 %39.00
46 - 91 gün %5.00 %31.00 %36.00 %37.00
92 - 100 gün %5.00 %31.00 %36.00 %37.00
101 - 180 gün %5.00 %30.00 %32.00 %33.00
181 - 364 gün %5.00 %27.00 %29.00 %30.00
365 - 400 gün %5.00 %27.00 %29.00 %30.00
401 - 730 gün %5.00 %6.50 %6.50 %6.50
1 Yıl Vadeli 1 Ayda Bir Faiz Ödemeli %5.00 %29.00 %29.00 %29.00
1 Yıl Vadeli 3 Ayda Bir Faiz Ödemeli %5.00 %29.00 %29.00 %29.00
1 Yıl Vadeli 6 Ayda Bir Faiz Ödemeli %5.00 %29.00 %29.00 %29.00
Birikimli Mevduat Hesabı %30.00 %30.00 %30.00 %30.00

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INTEREST RATES

Maturity (Days) Interest
32-45 %36
46-91 %33
92-180 %30
181-364 %24

ADDITIONAL INTEREST RATES ACCORDING TO THE AMOUNTS OF TRANSACTIONS MADE FROM ACCOUNT/BANK CARD

Payment/Spending Target (TL) Additional Interest
2.000-4.999 +%1
5.000-9.999 +%2
10.000-19.999 +%3
+20.000 +%4

ADDITIONAL INTEREST RATES ACCORDING TO THE AMOUNTS OF TRANSACTIONS MADE FROM CREDIT CARD

Payment/Spending Target (TL) Additional Interest
5.000-9.999 +%1
10.000-19.999 +%2
20.000-39.999 +%3
+40.000 +%4

*The maximum interest rate that can be earned when all spending targets are achieved will be 44%.

Application Channels

OUR BRANCHES
ZİRAAT MOBILE
INTERNET BRANCH