Your Returns Guaranteed by Ziraat

We welcome you to Ziraat Bank for sound investments and secure earnings.


  • Ziraat Bank bills issued by Ziraat Bank have terms of one year or less, while Ziraat Bank bonds are TL-denominated securities with terms of a year or more.
  • These bring higher returns than similar government debt securities.
  • Medium- and long-term investments may be made in bank bills and bonds.
  • Earnings by natural persons through trading and interest on bank bills and bonds issued after January 1, 2006 are subject to a 10% withholding tax, and may be more advantageous than investments of similar terms of maturity in periods of increasing interest rates. Withholding tax rates for corporate persons may vary between 0 and 10%. Apply to one of our branches for detailed information.
  • Treasury Bill and Government Bond transactions can be carried out through alternate distribution channels (including Telephone Banking and ATMs) from 9:00 a.m. to 4:30 p.m., and 6:00 p.m. to 8:30 a.m.; and at your nearest branch between 9:30 a.m. and 4:30 p.m.
  • Bank bill and bond transactions have a minimum nominal amount of 5 TL, and must be in nominal multiples of 5 TL.