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.
read 26 October – 2 November 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 taken out at any time. Most banks pay no interest 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; when that period ends, the bank's standard rate applies. 17.5% withholding tax is taken from the interest.
Read on 2 November 2026: 34 accounts from 19 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 ₺1,000,00033.75%
- The rate depends on the balance
- 10% of the balance earns no interest
- Interest from ₺10,000
- 4% above ₺25,000,000
- Same-day interest: pay in by 17:00
- Mobile and internet banking only
- Rates given for ₺10,000 – ₺5,000,000
- Same-day interest: pay in by 17:00
Extra points (3)
- +5 points: İşlem tutarı 10.000 TL - 19.999 TL
- +8 points: İşlem tutarı 20.000 TL ve üzeri
- +2 points: İşlem tutarı 4.999 TL - 9.999 TL
First-day real gross rate on ₺1,000,00038.85%
- Welcome rate for the first 45 days, then 30.5% – 33% 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
- Same-day interest: pay in by 17:00
First-day real gross rate on ₺1,000,00029.6%
- 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 (9)
- +6 points: 100 Bin TL ve üzeri ihtiyaç kredisi
- +2 points: Aktif BES poliçesi
- +1 points: Aktif kredi kartı (limiti en az 10.000 TL)
- +3 points: Alternatif ÇokÇok ayrıcalıklarından yararlanmak
- +10 points: Avantajlı yatırım fonu alımı ve fon bakiyesi
- +1 points: Elementer sigorta
- +5 points: Hisse senedi bakiyesi veya işlem hacmi
- +4 points: Kredili hayat sigortası
- +10 points: Yatırım fonu bakiyesi (avantajlı fonlar hariç)
First-day real gross rate on ₺1,000,00038.85%
- New customers only
- Welcome rate for the first 45 days, then 30.5% – 33% 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 (9)
- +6 points: 100 Bin TL ve üzeri ihtiyaç kredisi
- +2 points: Aktif BES poliçesi
- +1 points: Aktif kredi kartı (limiti en az 10.000 TL)
- +3 points: Alternatif ÇokÇok ayrıcalıklarından yararlanmak
- +10 points: Avantajlı yatırım fonu alımı ve fon bakiyesi
- +1 points: Elementer sigorta
- +5 points: Hisse senedi bakiyesi veya işlem hacmi
- +4 points: Kredili hayat sigortası
- +10 points: Yatırım fonu bakiyesi (avantajlı fonlar hariç)
First-day real gross rate on ₺1,000,00034.85% by the total balance37.925% 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
- This rate applies to at most ₺20,000,000
- Same-day interest: pay in by 18:00
Extra points (9)
- +0.5 points: 1.000 TL ve üzeri banka kartı işlemi (Debit Kart Kullanımı)
- +0.5 points: 2 adet Otomatik Fatura talimatı (Otomatik Fatura Ödeme Talimatı)
- +0.5 points: Aylık toplam 2.500 TL ve üzeri düzenli ödeme talimatı (Düzenli Ödeme)
- +1 points: Aylık toplam 2.500 TL ve üzeri harcama (Kredi Kartı)
- +0.5 points: BES tahsilatı (BES)
- +0.5 points: FX işlem hacmi (spot işlemler) 5000 TL üzerine çıkması (Anadolubank FX)
- +1.5 points: Fon hacmi, son gün bağlanan TL Renkli Hesap bakiyesinin %5’i ve üzeri olması (Anadolubank Para Piyasası Fonu)
- +0.25 points: Hayat Sigortası hariç elementer sigorta poliçesinin tahsili (Elementer Sigorta)
- +0.5 points: İhtiyaç kredisi kullanımı (Kredi)
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00035.7% by the total balance38.85% 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
- This rate applies to at most ₺20,000,000
- Same-day interest: pay in by 18:00
Extra points (9)
- +0.5 points: 1.000 TL ve üzeri banka kartı işlemi (Debit Kart Kullanımı)
- +0.5 points: 2 adet Otomatik Fatura talimatı (Otomatik Fatura Ödeme Talimatı)
- +0.5 points: Aylık toplam 2.500 TL ve üzeri düzenli ödeme talimatı (Düzenli Ödeme)
- +1 points: Aylık toplam 2.500 TL ve üzeri harcama (Kredi Kartı)
- +0.5 points: BES tahsilatı (BES)
- +0.5 points: FX işlem hacmi (spot işlemler) 5000 TL üzerine çıkması (Anadolubank FX)
- +1.5 points: Fon hacmi, son gün bağlanan TL Renkli Hesap bakiyesinin %5’i ve üzeri olması (Anadolubank Para Piyasası Fonu)
- +0.25 points: Hayat Sigortası hariç elementer sigorta poliçesinin tahsili (Elementer Sigorta)
- +0.5 points: İhtiyaç kredisi kullanımı (Kredi)
- 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
- 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
- This rate applies to at most ₺20,000,000
- Same-day interest: pay in by 18:00
Extra points (9)
- +0.5 points: 1.000 TL ve üzeri banka kartı işlemi (Debit Kart Kullanımı)
- +0.5 points: 2 adet Otomatik Fatura talimatı (Otomatik Fatura Ödeme Talimatı)
- +0.5 points: Aylık toplam 2.500 TL ve üzeri düzenli ödeme talimatı (Düzenli Ödeme)
- +1 points: Aylık toplam 2.500 TL ve üzeri harcama (Kredi Kartı)
- +0.5 points: BES tahsilatı (BES)
- +0.5 points: FX işlem hacmi (spot işlemler) 5000 TL üzerine çıkması (Anadolubank FX)
- +1.5 points: Fon hacmi, son gün bağlanan TL Renkli Hesap bakiyesinin %5’i ve üzeri olması (Anadolubank Para Piyasası Fonu)
- +0.25 points: Hayat Sigortası hariç elementer sigorta poliçesinin tahsili (Elementer Sigorta)
- +0.5 points: İhtiyaç kredisi kullanımı (Kredi)
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00034.653%
- Welcome rate for the first 90 days, then 37%
- ₺10,000 – ₺3,500,000 of the balance earns no interest, by balance
- Interest from ₺10,500
- No interest above ₺16,500,000
- Same-day interest: pay in by 17:00
First-day real gross rate on ₺1,000,00030.895% by the total balance31.82% by the amount that earns
- Mobile and internet banking only
- ₺10,000 – ₺3,500,000 of the balance earns no interest, by balance
- Rates given for ₺10,500 – ₺20,000,000
Extra points (1)
- +4.5 points: With ON Extra Interest
First-day real gross rate on ₺1,000,00039.6%
- 10% of the balance earns no interest
- Interest from ₺1,000
- No interest above ₺15,000,000
- Interest is credited on the first business day of each month
- Same-day interest: pay in by 17:00
- The rate depends on the balance
Extra points (1)
- +2 points: Ayın Enparalısı
First-day real gross rate on ₺1,000,00033%
- In branch only
- Welcome rate for the first 60 days, then 33% – 37% 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 (7)
- +0.5 points: AÇEV bağışı: aylık 750 TL
- +0.5 points: Banka kartı ile QR, POS ve internet harcaması: aylık 10.000 TL
- +0.5 points: Borsa Market: aylık 250.000 TL hacim
- +0.5 points: Doğum günü ayı
- +2 points: Ekstra Kazan: aylık hedeflerin tamamlanması
- +1 points: Fonlu Kiraz: Fiba Portföy TL fonu alımı
- +0.5 points: Otomatik fatura ödemesi: aylık 2 adet
First-day real gross rate on ₺1,000,00033.825%
- Mobile and internet banking only
- Welcome rate for the first 60 days, then 33% – 37% 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 (7)
- +0.5 points: AÇEV bağışı: aylık 750 TL
- +0.5 points: Banka kartı ile QR, POS ve internet harcaması: aylık 10.000 TL
- +0.5 points: Borsa Market: aylık 250.000 TL hacim
- +0.5 points: Doğum günü ayı
- +2 points: Ekstra Kazan: aylık hedeflerin tamamlanması
- +1 points: Fonlu Kiraz: Fiba Portföy TL fonu alımı
- +0.5 points: Otomatik fatura ödemesi: aylık 2 adet
First-day real gross rate on ₺1,000,00033.825%
- Customers who joined by video call only
- Welcome rate for the first 60 days, then 33% – 37% 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 (7)
- +0.5 points: AÇEV bağışı: aylık 750 TL
- +0.5 points: Banka kartı ile QR, POS ve internet harcaması: aylık 10.000 TL
- +0.5 points: Borsa Market: aylık 250.000 TL hacim
- +0.5 points: Doğum günü ayı
- +2 points: Ekstra Kazan: aylık hedeflerin tamamlanması
- +1 points: Fonlu Kiraz: Fiba Portföy TL fonu alımı
- +0.5 points: Otomatik fatura ödemesi: aylık 2 adet
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
- Welcome rate for the first 45 days, then 7%
- ₺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 ₺1,000,00032.175%
- 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
ICBC Turkey
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 (5)
- +9 points: Bir ekstre döneminde 10.000 TL tutarında harcama işlemi bulunması
- +7 points: Tamamlayıcı Sağlık, Konut veya Kasko poliçelerinden birine sahip olunması
- +9 points: Turuncu Hesap TL bakiyesine göre belirlenen tutarda kampanyaya dahil yatırım fonu bakiyesi bulunması
- +7 points: Turuncu Ekstra Plus: bir takvim ayı içinde 6.000 puan toplanması
- +8 points: Turuncu Ekstra Ultra: bir takvim ayı içinde 12.000 puan toplanması
First-day real gross rate on ₺1,000,00032.3%
- New customers only
- Welcome rate for the first 90 days, then 23%
- The rate depends on the balance
- ₺3,000 – ₺3,000,000 of the balance earns no interest, by balance
- 23% above ₺35,000,000
Extra points (5)
- +9 points: Bir ekstre döneminde 10.000 TL tutarında harcama işlemi bulunması
- +7 points: Tamamlayıcı Sağlık, Konut veya Kasko poliçelerinden birine sahip olunması
- +9 points: Turuncu Hesap TL bakiyesine göre belirlenen tutarda kampanyaya dahil yatırım fonu bakiyesi bulunması
- +7 points: Turuncu Ekstra Plus: bir takvim ayı içinde 6.000 puan toplanması
- +8 points: Turuncu Ekstra Ultra: bir takvim ayı içinde 12.000 puan toplanması
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00031.5%
- ₺5,000 – ₺2,000,000 of the balance earns no interest, by balance
Extra points (2)
- +3 points: Black Plus müşteri olmak
- +1 points: Black müşteri olmak
First-day real gross rate on ₺1,000,00036.75%
- New customers only
- Welcome rate for the first 100 days, then 13% – 38% by balance
- The rate depends on the balance
- ₺7,500 – ₺2,000,000 of the balance earns no interest, by balance
- Rates given up to ₺25,000,000
First-day real gross rate on ₺1,000,00034.85%
- Welcome rate for the first 45 days, then 23.75% – 37.5% by balance
- The rate depends on the balance
- ₺7,500 – ₺2,000,000 of the balance earns no interest, by balance
- Rates given from ₺7,500
Extra points (1)
- +1 points: Kazananlar Kulübü ve QNB Plus müşterisi olmak; birikim tutarı 1.500.000 TL'ye kadar
First-day real gross rate on ₺1,000,00026.438%
- 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 İşlemi
- +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 İşlemi
First-day real gross rate on ₺1,000,00031.688%
- New customers only
- Welcome rate for the first 32 days, then 34.75% – 36.25% 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 İşlemi
- +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 İşlemi
First-day real gross rate on ₺1,000,00029.75%
- Existing customers
- The rate depends on the balance
- ₺0 – ₺1,300,000 of the balance earns no interest, by balance
- Interest from ₺5,000
- No interest above ₺15,000,000
- Same-day interest: pay in by 17:00
Extra points (2)
- +0.5 points: 25.000 pay TEB Portföy Para Piyasası Fonu alımı ve devam döneminde tabela (standart) faizi alan müşteri
- +1 points: Marifetli Card ile harcama yapmak
- Welcome rate for the first 30 days, then 8.5% – 31.5% by balance
- Interest from ₺7,000
- Above ₺15,000,000 moves to a demand account
Extra points (3)
- +0.5 points: 25.000 pay TEB Portföy Para Piyasası Fonu alımı (devam döneminde)
- +1 points: Marifetli Card başvurusu ve 30.000 TL ve üzeri harcama
- +4 points: Marifetli Hesap'a Vadesiz Mevduat Bakiyesi tutulması
- With the extra points the rate stays at most the welcome rate
First-day real gross rate on ₺1,000,00033.3%
- New customers only
- Welcome rate for the first 30 days
- 10–100% of the balance earns no interest, by balance
- Interest from ₺25,000
- 23% above ₺25,000,000
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%
- 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
Extra points (1)
- +1 points: Ziraat Dinamik Plus (Pluslı) müşterisi olmak
- Rates given up to ₺9,999,999.99
- Same-day interest: pay in by 17:00
Extra points (1)
- +1 points: Ziraat Dinamik Plus müşterisi olmak
Participation banks: projected profit share
A participation bank pays no interest; the account earns a profit share. The rates here are the annual gross return the bank projects, not a guarantee, and are not counted with the interest rates above.
TOM Bank- Participation account: the return is not guaranteed; it is the bank's projected rate.
- ₺7,500 – ₺2,000,000 of the balance earns no profit share, by balance
- Profit share from ₺10,000
- Rates given up to ₺20,000,000
- Same-day profit share: pay in by 17:00
Term deposits
A term deposit ties the money up for a set number of days, and interest at the rate advertised for that term is paid at the end of it. The rate depends on the term and, at most banks, on the amount too. 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 26 October – 2 November 2026: 24 term deposit tables from 13 banks.
- Customers who joined by video call only
- Rates given from ₺1,000
- The rate depends on the amount
- At least ₺10,000 for 38.25%
- Mobile and internet banking only
- Rates given from ₺1,000
- The rate depends on the amount
- At least ₺250,000 for 27%
- Mobile and internet banking only
- Rates given for ₺1,000 – ₺20,000,000
- The rate depends on the amount
- At least ₺1,000,000 for 33%
- New customers only
- Rates given for ₺5,000 – ₺20,000,000
- Rates given from ₺1,000
- The rate depends on your total balance at the bank
- At least ₺1,500,000 for 37%
- Mobile and internet banking only
- Rates given for ₺1,000 – ₺1,000,000
- The rate depends on the amount
- At least ₺500,001 for 36%
- New customers only
- Rates given from ₺25,000
- The rate depends on the amount
- In branch only
- Rates given from ₺1,000
- At least ₺25,000 for 23%
- Mobile and internet banking only
- Rates given from ₺1,000
- The rate depends on the amount
- At least ₺1,000,000 for 25.5%
HSBC- Mobile and internet banking only
- New customers only
- Rates given for ₺5,000 – ₺30,000,000
- Customers who joined by video call only
- Rates given for ₺5,000 – ₺30,000,000
- New customers only
- Rates given from ₺5,000
- The rate depends on the amount
- At least ₺1,000,001 for 36.75%
- 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
- Mobile and internet banking only
- Rates given for ₺5,000 – ₺10,000,000
- The rate depends on your total balance at the bank
- At least ₺1,000,000 for 30.25%
- New customers only
- Rates given for ₺5,000 – ₺10,000,000
- The rate depends on your total balance at the bank
- At least ₺1,000,001 for 36.5%
- Customers who joined by video call only
- Rates given for ₺50,000 – ₺25,000,000
- The rate depends on the amount
- At least ₺1,000,000 for 36.5%
- New customers only
- Rates given for ₺50,000 – ₺25,000,000
- The rate depends on the amount
- At least ₺250,000 for 37%
- Mobile and internet banking only
- Rates given from ₺1,000
- The rate depends on the amount
- At least ₺500,000 for 31%
From the banks' own sites, read 26 October – 2 November 2026. Not an offer; the conditions and the current rate are the bank's.
Working out the return
This page does not calculate for your amount. The deposit calculator in the app shows the net return on a term deposit for your amount, term and rate; it is free and needs no account. How the calculation works is on the term deposit calculation page.
Term deposit calculation →Frequently asked questions
Which banks' deposit rates are on this page?
In the 26 October – 2 November 2026 read, 20 banks: Akbank, Alternatif Bank, Anadolubank, Burgan Bank, Colendi Bank, DenizBank, Enpara.com, Fibabanka, Garanti BBVA, HSBC, ICBC Turkey, ING, İş Bankası, Odeabank, QNB, Şekerbank, TEB, VakıfBank, 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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The BDDK's maximum term and loan-to-value limits by amount, each with the Board decision it rests on.
bankaci.app →Average interest rates
The average rates Bankacı's users calculated with over the last seven days, and the most-calculated brackets.
bankaci.app →Loan glossary
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