DEPOSIT RATES
The deposit rates banks publish
The daily-interest account and term deposit rates Turkish banks publish on their own pages. Rates are the annual rate the bank advertises, before withholding tax. Not an offer; the conditions and the final rate are the bank's, and every row links to the bank's page.
As of 12 October 2026
Banks are listed by name; the order is not a recommendation.
Daily-interest accounts
In a daily-interest account the money is not tied to a term: it earns interest every day and can be withdrawn at any time. Most banks pay nothing on part of the balance; the advertised rate applies to the rest. A new account may get a higher welcome rate for its first days, after which the bank's standard rate applies. 17.5% withholding tax is deducted from the interest.
Read on 12 October 2026: 27 accounts from 17 banks.
The real gross rate leaves out the part that earns nothing; it is before withholding tax and not an offer. Where an account has two real gross rates, the bank's page does not say whether the part that earns nothing goes by the total balance or by the amount that earns.
First-day real gross rate on ₺1,000,00034.2%
- 10% of the balance earns no interest
- This rate applies to at most ₺25,000,000
- Rates given from ₺10,000
- Same-day interest: pay in by 17:00
First-day real gross rate on ₺1,000,00030.525%
- Existing customers
- The rate depends on the balance
- ₺20,000 – ₺2,500,000 of the balance earns no interest, by balance
- Rates given from ₺20,000
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 17:00
Extra points (8)
- +3 points: Alternatif ÇokÇok
- +10 points: Avantajlı Yatırım Fonu
- +2 points: BES
- +1 points: Elementer Sigorta
- +1 points: Kredi Kartı Aktif
- +4 points: Kredili Hayat Sigortası
- +10 points: Yatırım Fonu
- +6 points: İhtiyaç Kredisi
First-day real gross rate on ₺1,000,00039.775%
- New customers only
- Welcome rate for the first 45 days, then 31.5% – 34% by balance
- The rate depends on the balance
- ₺20,000 – ₺2,500,000 of the balance earns no interest, by balance
- Rates given from ₺20,000
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 17:00
Extra points (8)
- +3 points: Alternatif ÇokÇok
- +10 points: Avantajlı Yatırım Fonu
- +2 points: BES
- +1 points: Elementer Sigorta
- +1 points: Kredi Kartı Aktif
- +4 points: Kredili Hayat Sigortası
- +10 points: Yatırım Fonu
- +6 points: İhtiyaç Kredisi
First-day real gross rate on ₺1,000,00035.7% by the total balance38.85% by the amount that earns
- In branch only
- Welcome rate for the first 90 days, then 36% – 37% by balance
- ₺7,500 – ₺2,250,000 of the balance earns no interest, by balance
- Interest from ₺8,500
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 18:00
Extra points (9)
- +0.5 points: 1.000 TL ve üzeri banka kartı işlemi
- +0.5 points: 2 adet Otomatik Fatura talimatı
- +0.5 points: Anadolubank FX spot işlem hacmi 5000 TL üzeri
- +1.5 points: Anadolubank Para Piyasası Fonu, fon hacmi son gün bağlanan TL Renkli Hesap bakiyesinin %5 ve üzeri
- +0.5 points: Aylık 2.500 TL ve üzeri düzenli ödeme talimatı
- +1 points: Aylık 2.500 TL ve üzeri kredi kartı harcaması
- +0.5 points: BES tahsilatı
- +0.25 points: Hayat Sigortası hariç elementer sigorta poliçesi tahsili (listelenen ürünler)
- +0.5 points: İhtiyaç kredisi kullanımı
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00036.55% by the total balance39.775% by the amount that earns
- Mobile and internet banking only
- Welcome rate for the first 90 days, then 36% – 37% by balance
- ₺7,500 – ₺2,250,000 of the balance earns no interest, by balance
- Interest from ₺8,500
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 18:00
Extra points (9)
- +0.5 points: 1.000 TL ve üzeri banka kartı işlemi
- +0.5 points: 2 adet Otomatik Fatura talimatı
- +0.5 points: Anadolubank FX spot işlem hacmi 5000 TL üzeri
- +1.5 points: Anadolubank Para Piyasası Fonu, fon hacmi son gün bağlanan TL Renkli Hesap bakiyesinin %5 ve üzeri
- +0.5 points: Aylık 2.500 TL ve üzeri düzenli ödeme talimatı
- +1 points: Aylık 2.500 TL ve üzeri kredi kartı harcaması
- +0.5 points: BES tahsilatı
- +0.25 points: Hayat Sigortası hariç elementer sigorta poliçesi tahsili (listelenen ürünler)
- +0.5 points: İhtiyaç kredisi kullanımı
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00037.4% by the total balance40.7% by the amount that earns
- Customers who joined by video call only
- Welcome rate for the first 90 days, then 36% – 37% by balance
- ₺7,500 – ₺2,250,000 of the balance earns no interest, by balance
- Interest from ₺8,500
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 18:00
Extra points (9)
- +0.5 points: 1.000 TL ve üzeri banka kartı işlemi
- +0.5 points: 2 adet Otomatik Fatura talimatı
- +0.5 points: Anadolubank FX spot işlem hacmi 5000 TL üzeri
- +1.5 points: Anadolubank Para Piyasası Fonu, fon hacmi son gün bağlanan TL Renkli Hesap bakiyesinin %5 ve üzeri
- +0.5 points: Aylık 2.500 TL ve üzeri düzenli ödeme talimatı
- +1 points: Aylık 2.500 TL ve üzeri kredi kartı harcaması
- +0.5 points: BES tahsilatı
- +0.25 points: Hayat Sigortası hariç elementer sigorta poliçesi tahsili (listelenen ürünler)
- +0.5 points: İhtiyaç kredisi kullanımı
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00031.73%
- ₺10,000 – ₺500,000 of the balance earns no interest, by balance
- Rates given for ₺10,500 – ₺5,000,000
First-day real gross rate on ₺1,000,00040.5%
- 10% of the balance earns no interest
- No interest above ₺15,000,000
- Rates given from ₺1,000
- Same-day interest: pay in by 17:00
First-day real gross rate on ₺1,000,00036.75%
- New customers only
- Welcome rate for the first 90 days, then 38.5%
- The rate depends on the balance
- ₺10,000 – ₺1,750,000 of the balance earns no interest, by balance
- This rate applies to at most ₺20,000,000
- Rates given from ₺10,000
First-day real gross rate on ₺1,000,00033.825% by the total balance38.335% by the amount that earns
- In branch only
- Welcome rate for the first 60 days, then 34% – 38% by balance
- ₺5,000 – ₺1,000,000 of the balance earns no interest, by balance
- Interest from ₺15,000
- No interest above ₺10,000,000
- Same-day interest: pay in by 17:00
Extra points (2)
- +2.5 points: Ekstra Kazan: aylık hedeflerin tamamlanması
- +2 points: Fonlu Kiraz: Fiba Portföy TL Fonu alımı, aynı gün
First-day real gross rate on ₺1,000,00034.65% by the total balance39.27% by the amount that earns
- Mobile and internet banking only
- Welcome rate for the first 60 days, then 34% – 38% by balance
- ₺5,000 – ₺1,000,000 of the balance earns no interest, by balance
- Interest from ₺15,000
- No interest above ₺10,000,000
- Same-day interest: pay in by 17:00
Extra points (2)
- +2.5 points: Ekstra Kazan: aylık hedeflerin tamamlanması
- +2 points: Fonlu Kiraz: Fiba Portföy TL Fonu alımı, aynı gün
First-day real gross rate on ₺1,000,00034.65% by the total balance39.27% by the amount that earns
- Customers who joined by video call only
- Welcome rate for the first 60 days, then 34% – 38% by balance
- ₺5,000 – ₺1,000,000 of the balance earns no interest, by balance
- Interest from ₺15,000
- No interest above ₺10,000,000
- Same-day interest: pay in by 17:00
Extra points (2)
- +2.5 points: Ekstra Kazan: aylık hedeflerin tamamlanması
- +2 points: Fonlu Kiraz: Fiba Portföy TL Fonu alımı, aynı gün
First-day real gross rate on ₺1,000,0009.25%
- ₺10,000 – ₺350,000 of the balance earns no interest, by balance
- Interest from ₺10,000
- This rate applies to at most ₺5,000,000
HSBCFirst-day real gross rate on ₺1,000,0006.3%
- Existing customers
- ₺30,000 – ₺1,000,000 of the balance earns no interest, by balance
- Rates given up to ₺11,000,000
First-day real gross rate on ₺1,000,00036.45%
- New customers only
- ₺30,000 – ₺1,000,000 of the balance earns no interest, by balance
- Rates given up to ₺11,000,000
First-day real gross rate on ₺1,000,00032.4%
- Premier customers only
- The rate depends on the balance
- ₺30,000 – ₺1,000,000 of the balance earns no interest, by balance
- Rates given up to ₺11,000,000
First-day real gross rate on ₺1,000,00037.4%
- Mobile and internet banking only
- The rate depends on the balance
- ₺3,000 – ₺3,000,000 of the balance earns no interest, by balance
- 23% above ₺35,000,000
- Rates given from ₺3,000
Extra points (8)
- +6 points: BES 0-9.999 TL aylık ödeme veya 0-149.999 TL toplam birikim
- +8 points: BES 10.000-24.999 TL aylık ödeme veya 150.000-599.999 TL toplam birikim
- +10 points: BES 25.000 TL ve üzeri aylık ödeme veya 600.000 TL ve üzeri toplam birikim
- +9 points: Kredi kartı harcaması
- +7 points: Plus
- +7 points: Sigorta
- +8 points: Ultra
- +9 points: Yatırım Fonu
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00019.55%
- Existing customers
- ₺3,000 – ₺3,000,000 of the balance earns no interest, by balance
- 23% above ₺35,000,000
Extra points (8)
- +6 points: BES 0-9.999 TL aylık ödeme veya 0-149.999 TL toplam birikim
- +8 points: BES 10.000-24.999 TL aylık ödeme veya 150.000-599.999 TL toplam birikim
- +10 points: BES 25.000 TL ve üzeri aylık ödeme veya 600.000 TL ve üzeri toplam birikim
- +9 points: Kredi kartı harcaması
- +7 points: Plus
- +7 points: Sigorta
- +8 points: Ultra
- +9 points: Yatırım Fonu
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00033.15%
- New customers only
- The rate depends on the balance
- ₺3,000 – ₺3,000,000 of the balance earns no interest, by balance
- 23% above ₺35,000,000
- Rates given from ₺3,000
Extra points (8)
- +6 points: BES 0-9.999 TL aylık ödeme veya 0-149.999 TL toplam birikim
- +8 points: BES 10.000-24.999 TL aylık ödeme veya 150.000-599.999 TL toplam birikim
- +10 points: BES 25.000 TL ve üzeri aylık ödeme veya 600.000 TL ve üzeri toplam birikim
- +9 points: Kredi kartı harcaması
- +7 points: Plus
- +7 points: Sigorta
- +8 points: Ultra
- +9 points: Yatırım Fonu
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00035.7%
- New customers only
- Welcome rate for the first 45 days, then 25% – 38.25% by balance
- The rate depends on the balance
- ₺7,500 – ₺2,000,000 of the balance earns no interest, by balance
- This rate applies to at most ₺10,000,000
- Rates given from ₺7,500
First-day real gross rate on ₺1,000,00029.25%
- Existing customers
- The rate depends on the balance
- ₺5,000 – ₺2,200,000 of the balance earns no interest, by balance
- Rates given for ₺5,000 – ₺19,999,999
- Same-day interest: pay in by 17:00
Extra points (12)
- +0.15 points: Debit kart harcaması
- +0.25 points: Dijital aktiflik
- +0.25 points: Doğum günü faizi
- +0.25 points: Emekli maaş müşterisi
- +0.25 points: FX işlemi
- +0.1 points: Gece gündüz aktiflik
- +0.5 points: Kredi kartı harcaması
- +0.5 points: Kredi kullanımı
- +0.25 points: OFÖ
- +0.25 points: Sigorta
- +0.5 points: Tamamlayan hesap (KMH)
- +0.25 points: Yatırım işlemi
First-day real gross rate on ₺1,000,00031.875%
- New customers only
- Welcome rate for the first 32 days, then 38.5% – 40% by balance
- ₺5,000 – ₺2,200,000 of the balance earns no interest, by balance
- Same-day interest: pay in by 17:00
Extra points (12)
- +0.15 points: Debit kart harcaması
- +0.25 points: Dijital aktiflik
- +0.25 points: Doğum günü faizi
- +0.25 points: Emekli maaş müşterisi
- +0.25 points: FX işlemi
- +0.1 points: Gece gündüz aktiflik
- +0.5 points: Kredi kartı harcaması
- +0.5 points: Kredi kullanımı
- +0.25 points: OFÖ
- +0.25 points: Sigorta
- +0.5 points: Tamamlayan hesap (KMH)
- +0.25 points: Yatırım işlemi
First-day real gross rate on ₺1,000,00034.2%
- New customers only
- Welcome rate for the first 30 days
- The rate depends on the balance
- 10–100% of the balance earns no interest, by balance
- Interest from ₺25,000
- 23% above ₺25,000,000
- Welcome rate for the first 30 days, then 35%
- No interest above ₺10,000,000
- Same-day interest: pay in by 22:00
First-day real gross rate on ₺1,000,00026.4%
- The rate depends on the balance
- ₺15,000 – ₺10,000,000 of the balance earns no interest, by balance
- This rate applies to at most ₺100,000,000
- Same-day interest: pay in by 17:00
Ziraat DinamikFirst-day real gross rate on ₺1,000,00029.7% by the total balance36.3% by the amount that earns
- The rate depends on the balance
- ₺5,000 – ₺1,750,000 of the balance earns no interest, by balance
- This rate applies to at most ₺8,250,000
- Rates given from ₺5,000
- Same-day interest: pay in by 17:00
Term deposits
In a term deposit the money is tied up for a set number of days, and interest at the rate advertised for that term is paid at maturity. The rate depends on the term and, at most banks, on the amount. Withholding tax depends on the term: 17.5% up to 180 days, 15% for 181 to 365 days, 10% for 366 days and longer.
Read on 12 October 2026: 5 term deposit tables from 3 banks.
- The rate depends on your total balance at the bank
- At least ₺1,500,000 for 37.75%
HSBC- Mobile and internet banking only
- In branch only
- Rates given for ₺1,000 – ₺2,500,000
- The rate depends on the amount
- Mobile and internet banking only
- Rates given for ₺1,000 – ₺5,000,000
- The rate depends on the amount
From the banks' own sites, as of 12 October 2026. Not an offer; the conditions and the current rate are the bank's.
This page carries only what the banks themselves publish in public. Bankacı guarantees no rate, no condition and no figure's currency, and offers neither an offer nor advice.
Licence: CC BY 4.0
Working out the return
This page does not calculate for your amount. The net return of a term deposit for an amount, a term and a rate is in the app's deposit calculator; it is free and needs no account. How it is worked out is on the term deposit calculation page.
Frequently asked
Which banks' deposit rates are on this page?
In the 12 October 2026 read, 18 banks: Akbank, Alternatif Bank, Anadolubank, Burgan Bank (ON), Colendi Bank, DenizBank, Enpara.com, Fibabanka, Garanti BBVA, HSBC, ING, Odeabank, QNB, Şekerbank, VakıfBank, Yapı Kredi, Ziraat Bankası, Ziraat Dinamik. Other banks publish deposit rates too; only the banks whose pages we read are here.
What is the part of a daily-interest account that earns nothing?
The amount the bank pays no interest on. Some banks set it as a fixed amount, others as a share of the balance; at most it depends on the balance. The bigger it is, the further the interest on the whole balance falls below the advertised rate.
How long does a welcome rate last?
As long as the bank's page says. Where the period is stated, the row gives the number of days; when it ends, the bank's standard rate applies. If the row says new customers only, only a new customer gets the rate.
Are these rates offers?
No. They are the rates the banks publish openly on their own pages. The bank decides the rate and the conditions you get; every row links to the bank's page.
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