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        e-Savings Account

        Up to 19.00% interest rate opportunity with the e-Savings account!

        With the e-Savings Account, start earning now! Your account's maturity remains the same no matter when you wish to withdraw money.

        • It is a time deposit account that you can easily open via Garanti BBVA Internet or Garanti BBVA Mobile.
        • Open an e-Savings Account via Garanti BBVA Internet or Garanti BBVA Mobile now to benefit from campaigns suitable for you.
        • Campaigns

          Turkish Lira Campaigns

          Campaign Name Amount Interval (TL)* Maturity(Days) Interest Rate (%)
          Welcome On Board 25.000 - 10.000.000 32 - 370 16.75 - 21.00

          Welcome On Board Campaign: You can benefit from the campaign by opening an e-Savings Account with the mentioned campaign amounts* and within the relevant maturity intervals if you have not opened a savings account in the last 1 month and have no savings account that you currently use.

          Long-Term Maturity Campaign: You can benefit from the campaign by opening an e-Savings Account with the mentioned campaign amounts* and within the relevant maturity intervals.

          *Total balance of your time deposit account that will be considered by the bank following the account opening should be within the indicated campaign amount interval. Your campaign account shall be extended with the standard e-Savings interest rates.

        • Advantages

          e-Savings account gives you higher interests

          You can always benefit from interests higher than the signboard interest rates for your deposit account by way of opening an e-savings account, which offers different maturity and starting balance options.

          e-Savings account brings you earnings from the date of opening

          Since the start date of maturity for the e-savings accounts is the same as the date of account opening, you start earning interest as soon as you open the account. The e-savings accounts opened after 16:30 hours are subject to a 1-day value date.

          e-Savings account is flexible

          When you withdraw a portion of the money in your account, your remaining balance continues to increase in value with the same maturity and interest rate, and you only fail to obtain interest yield for the amount you withdrew before the maturity date.

          Withholding tax advantage

          You can benefit from advantages relating to the withholding tax for your time deposit accounts with long-term maturity.

        • Features

          • You can decide right at the time of account opening how your principal and interest should be handled in the course of account management.
          • You can open an account in these currencies: TL, USD, EUR, JPY, CHF, GBP, SEK, SAR, RUB, NOK, DKK, CAD, AUD
          • The minimum limit to open an account is 1,000 TL, 1,000 USD, 1,000 EUR, 1,000 GBP, 10,000 JPY, and 1,000 relevant currency for accounts in other currencies.
          • The stated interest is gross interest.
          • Interest rates exclusive to Garanti BBVA Mobile and Internet are applicable to all maturities including irregular maturities from 28 to 365 days.
          • The time deposit account you open via Garanti BBVA Mobile and Internet shall be extended with interest rates exclusive to these channels.
          • In case of early withdrawal, no interest is accrued on the relevant account.
          • You can choose one of the options below for the end of maturity action while opening your account.
          • Maturity Extension for Principal and Interest: Your account is renewed automatically with the same maturity and the then-current interest rates at the end of maturity.
          • Maturity Extension for Principal and Transfer of Interest to Another Account: Only your principal amount is renewed while the accrued interest amount is transferred to an account of your selection.
          • Conditional Maturity Extension: Your selected amount is transferred to an account you determine whereas the remaining amount is renewed.
          • No Extension: Your principal amount together with the accrued interest is transferred to accounts you indicate, and your account is closed thereafter.
          • With "Deposit Money to Time Deposit Account Order", you can ensure that extra money is automatically supplemented to your time deposit account on the maturity dates. Following an order you will give via Garanti BBVA Mobile, Internet, or our branches, the amount you will determine shall be transferred from a current account of your selection to your time deposit account at the time of every maturity renewal.
        • Withholding Tax Rates

          Withholding tax rates for TL accounts:

          Maturity Withholding Tax Rate
          Up to 6 months (incl. 6 month) 5%
          6 months - 1 year (incl. 1 year) 3%
          More than 1 year  0%

          Withholding tax rates for USD and EUR accounts:

          Maturity Withholding Tax Rate
          Up to 6 months (incl. 6 month) 20%
          6 months - 1 year (incl. 1 year) 20%
          More than 1 year  18%

          *An additional interest rate is applied over Garanti BBVA signboard interest rates.

          As per the new regulation published on the date of 30 December 2021, a portion of up to 200,000 TL in savings accounts is under the protection of the state.

        • Interest Rates

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