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So, what does it currently earn to tie up cash in a 32-day time deposit? The net returns an investor looking to protect their savings against inflation would receive by investing 2,200,000 TL in a time deposit have been determined.
In line with the steps taken by economic management and the banks' goals to increase the share of TL deposits, time deposit interest rates remain high. With digital banking channels, "welcome" campaigns exclusive to new customers, flexible accounts that accrue daily interest, and profit-sharing pools of participation banks, competition in the market has expanded to 26 institutions.
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1. Türk Ticaret Bankası (Salkım Account)
Interest Rate: 44.50%
32-Day Net Interest Return: 70,810 TL
Total Amount at Maturity: 2,270,810 TL
2. Alternatif Bank (VOV Account)
Interest Rate: 44.00%
32-Day Net Interest Return: 70,014 TL
Total Amount at Maturity: 2,270,014 TL
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3. Fibabanka (Kiraz Account)
Interest Rate: 44.00%
32-Day Net Interest Return: 70,014 TL
Total Amount at Maturity: 2,270,014 TL
4. Anadolubank (Renkli Account)
Interest Rate: 44.00%
32-Day Net Interest Return: 70,014 TL
Total Amount at Maturity: 2,270,014 TL
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5. ING (Turuncu Account)
Interest Rate: 44.00%
32-Day Net Interest Return: 70,014 TL
Total Amount at Maturity: 2,270,014 TL
6. Ziraat Dinamik
Interest Rate: 44.00%
32-Day Net Interest Return: 70,014 TL
Total Amount at Maturity: 2,270,014 TL
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7. ON Dijital Bankacılık (ON Plus)
Interest Rate: 42.50%
32-Day Net Interest Return: 67,627 TL
Total Amount at Maturity: 2,267,627 TL
8. CEPTETEB (Marifetli Account)
Interest Rate: 42.00%
32-Day Net Interest Return: 66,832 TL
Total Amount at Maturity: 2,266,832 TL
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9. TEB (Türk Ekonomi Bankası)
Interest Rate: 42.00%
32-Day Net Interest Return: 66,832 TL
Total Amount at Maturity: 2,266,832 TL
10. Odea (Oksijen Account)
Interest Rate: 42.00%
32-Day Net Interest Return: 66,832 TL
Total Amount at Maturity: 2,266,832 TL
11. DenizBank (Kaptan Account)
Interest Rate: 42.00%
32-Day Net Interest Return: 66,832 TL
Total Amount at Maturity: 2,266,832 TL
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12. QNB (Kazandıran Günlük)
Interest Rate: 42.00%
32-Day Net Interest Return: 66,832 TL
Total Amount at Maturity: 2,266,832 TL
13. Hayat Finans (Avantajlı Katılım)
Profit Share Rate Equivalent: 41.26%
32-Day Net Return: 65,654 TL
Total Amount at Maturity: 2,265,654 TL
14. getirfinans (Günlük Vadeli)
Interest Rate: 41.00%
32-Day Net Interest Return: 65,241 TL
Total Amount at Maturity: 2,265,241 TL
15. HSBC (Modern Account)
Interest Rate: 41.00%
32-Day Net Interest Return: 65,241 TL
Total Amount at Maturity: 2,265,241 TL
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16. VakıfBank (Arı Account)
Interest Rate: 41.00%
32-Day Net Interest Return: 65,241 TL
Total Amount at Maturity: 2,265,241 TL
17. Yapı Kredi (Sınırsız Account)
Interest Rate: 40.25%
32-Day Net Interest Return: 64,047 TL
Total Amount at Maturity: 2,264,047 TL
18. Akbank (Serbest Plus / Vadeli)
Interest Rate: 39.00%
32-Day Net Interest Return: 62,058 TL
Total Amount at Maturity: 2,262,058 TL
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19. Garanti BBVA (E-Vadeli)
Interest Rate: 38.75%
32-Day Net Interest Return: 61,660 TL
Total Amount at Maturity: 2,261,660 TL
20. N Kolay (Aktif Bank)
Interest Rate: 38.00%
32-Day Net Interest Return: 60,467 TL
Total Amount at Maturity: 2,260,467 TL
21. Ziraat Bankası (Vadeli TL Mevduat)
Interest Rate: 38.00%
32-Day Net Interest Return: 60,467 TL
Total Amount at Maturity: 2,260,467 TL
22. İş Bankası (İşCep Vadeli)
Interest Rate: 38.00%
32-Day Net Interest Return: 60,467 TL
Total Amount at Maturity: 2,260,467 TL
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23. Enpara.com (Vadeli Hesap)
Interest Rate: 37.75%
32-Day Net Interest Return: 60,069 TL
Total Amount at Maturity: 2,260,069 TL
24. Albaraka Türk (Katılım Hesabı)
Profit Share Rate Equivalent: 36.50%
32-Day Net Return: 58,080 TL
Total Amount at Maturity: 2,258,080 TL
25. Halkbank (E-Mevduat)
Interest Rate: 36.00%
32-Day Net Interest Return: 57,284 TL
Total Amount at Maturity: 2,257,284 TL
26. Ziraat Katılım (Günlük Katılım)
Profit Share Rate Equivalent: 35.50%
32-Day Net Return: 56,489 TL
Total Amount at Maturity: 2,256,489 TL
Current Withholding Tax, Commission, and Expense Conditions
Legal rules and account usage details that determine the net return on deposit earnings:
Current Legal Withholding Tax Deduction (17.5%): In accordance with the Presidential Decree, the withholding tax deduction on TL time deposit and participation accounts with a maturity of up to 6 months (including 6 months) is applied at 17.5%. All earnings above have been calculated based on the net amount received after deducting the legal 17.5% tax from the gross interest.
Account Maintenance Fee: As required by legislation, no account maintenance fees, file expenses, or account opening commissions are deducted from individual time deposit accounts.
Non-Interest-Bearing Balance Condition: In some flexible/overnight accounts that accrue daily interest (Turuncu, Kiraz, VOV, Oksijen, etc.), amounts between 5,000 TL and 25,000 TL can be kept aside as a "non-interest-bearing balance," and no interest is accrued on this amount. For customers who tie up fixed 32-day e-time deposits, the net return is calculated over the entire 2 million 200 thousand TL.
News Source : 12punto
