An account that you will open at GarantiBank will enable you to benefit from our privileged services. Our portfolio managers will be happy to provide any financial service you may need. Our widespread branch network and Delivery Channels are here to give you the best service and support you need.

Your paracard is accepted over 7.000ATM's in Turkey

You can use your paracard at Fortis, Akbank, Vakifbank, Yapi kredi bank ATM's which have a "Altin Nokta" label, and TEB ATM's.

You can use your debit card to look up your balance and transfer money between accounts. By using your PIN, you can shop without carrying cash. You can also use your Paracard bearing the Maestro logo to withdraw cash from your YTL account in the currency of the country you are visiting.

You can use our products such as standing orders, credit cards, overdraft facility and ELMA account with your checking/demand account.

Checking / Demand Account / Foreign Currency

If you make regular payments or receive funds in foreign currency, then you will find the "Foreign Currency Checking/Demand Account" useful.

You can utilize your foreign currency savings in our checking/demand account and open this account in any convertible currency.

There is no minimum balance requirement.

Time Deposit Account / YTL

If you do not want to be affected by the interest rate changes in the long term, have a risk free return and utilize your savings with attractive interest rates, you can open an account with the terms which best suit you.

- You have a fixed return. It is not affected by changes in the market interest rates until the maturity date.
- It is under the state assurance up to 50.000 YTL*
- You can open this account for any period from 32 days to 365 days as well as 1-3-6-12 months.
- There is no interest return if you withdraw your funds before the maturity date.
- The minimum amount to open a time deposit account in TL is 500 YTL.
- The fixed interest rate notified to you in the opening of the account will remain unchanged until the end of its term.

Time Deposit Account / Foreign Currency

You can get a risk free return by utilizing your foreign currency at the local accounts of GarantiBank with attractive rates in the market.

- You have a fixed return. It is not affected by changes in the market interest rates until the maturity date.
- You may open a time deposit account in USD, EUR, GBP, CHF and JPY.
- It is under the state assurance up to foreign currency equivalent of 50.000.-YTL*
- You can open this account for any period of 32 days to 365 days as well as 1-3-6-12 months.
- The minimum amount to open a time deposit account in FX is 1.000.-USD (or equivalent).
- There is no interest return if you withdraw your money before the maturity date.

Offshore Time Deposit Account (FX)

You can get a risk free return by utilizing your foreign currency at the international accounts of GarantiBank with attractive rates in the market.

- You have a fixed return. It is not affected by changes in the market interest rates until the maturity date.
- You may open a time deposit account in USD or EUR.
- You can open this account for any period of 32 days to 365 days as well as 1-3-6-12 months.
- The minimum amount to open a time deposit account in FX is 1.000.-USD.
- There is no interest return if you withdraw your money before the maturity date.
- The interest rates are net rates.

Taxation

The interest rates quoted are gross rates, including a withholding tax of 15% for all tenures of YTL and FX Time Deposit Accounts.