Competition for retiree promotions reaches its peak in January 2026: Which banks are offering the highest retiree promotions?

As of January 2026, banks have further increased competition by updating their promotion campaigns for retirees.

Following the increases in pension payments, the promotion opportunities offered to citizens who want to transfer their pensions have diversified, and the cash amounts and additional earnings paid by banks have become a subject of curiosity among retirees.

According to official figures, approximately 16.5 million retirees across the country constitute an important customer group in the banking sector. This causes the scope and advantages of promotion campaigns to expand constantly.

Banks have significantly increased their promotion payments in the new period to expand their customer portfolios.

Within the scope of the January 2026 period campaigns, some banks offer various advantages such as interest-free loans, free debit cards, additional rewards, and special bonuses for those who invite their relatives, not just promotions. All details offered by banks are being compared to find the most attractive option for retirees.

To benefit from the promotion campaigns offered by many banks, retirees are required to transfer their pensions to the relevant bank and promise to receive their pension from that bank for a certain period (usually 3 years). The promotion amounts paid vary according to the commitment period and salary range. In addition, in some campaigns, additional rewards and services are offered alongside the promotion.

Here are the prominent retiree promotion payments and advantages for the January 2026 period:

QNB Finansbank: Offers a total promotion payment of up to 31,000 TL (between October 8, 2025 - January 31, 2026, in exchange for a 3-year commitment).

VakıfBank: Draws attention with a total gain reaching 30,000 TL (Main promotion: 12,000 TL; 18,000 TL additional earnings on purchases with Troy Retiree Card; October 1, 2025 - January 31, 2026).

Akbank: 15,000 TL main promotion and an additional 15,000 TL cash reward for a total of 30,000 TL in cash advantages (between January 1-31, 2026).

Yapı Kredi: Total gain goes up to 30,000 TL. (Main promotion: 15,000 TL; 15,000 TL additional reward with bill payment instructions, card spending, and digital banking transactions; September 19, 2025 - January 31, 2026).

Türkiye Finans: Offers a promotion of up to 29,500 TL. Payments are also made to those who bring a retiree relative (application opportunity until January 31, 2026).

ING Bank: The base promotion is 15,000 TL, and a high total promotion (up to 28,000 TL) is provided (for the January 1-31, 2026 period).

Denizbank: There is a promotion payment opportunity reaching up to 27,000 TL (October 30, 2025 - March 31, 2026).

Garanti BBVA: Main promotion is 15,000 TL, and a total reward of up to 25,000 TL is provided with various card and insurance transactions (January 1-31, 2026).

İş Bankası: A total reward of 24,000 TL is available (Main promotion: 15,000 TL; additional reward: 9,000 TL; between January 1-31).

Halkbank and Ziraat Bankası: Both banks offer promotions of up to 12,000 TL. The maturity periods are set at 3 years.

Promotion amounts may vary according to the salary ranges determined by the bank and additional conditions. In some campaigns, retirees who meet the specified additional product or spending requirements can receive the total reward at the maximum level.