Accumulating Savings Account

You save up regularly, and we will increase your savings.


With the Accumulating Savings Account you can regularly save up TL, USD, Euro every month. If you wish you can automatically deposit money from any of your Garanti credit cards without paying any commissions or interest. The amount you deposit builds up in the long-term with the advantageous interest rates of the Accumulating Savings Account, and thus you obtain returns from your savings. Furthermore, you can also make interim payments over the course of the term.

You can open an Accumulating Savings Account via Internet Banking or 444 0 333 Garanti BBVA Customer Communication Center.

Would you like to get your Internet/Mobile Banking password now? 

If you don’t have an account at Garanti BBVA yet, all you have to do to open an account is to visit the nearest Garanti BBVA branch.  

  • Features and Benefits

    • You can open your Accumulating Savings Account in TL, USD or Euro.
    • The minimum monthly payment amounts are TL 50, USD 50, Euro 50.
    • The term is 3, 5  or 10 years.
    • When opening the account, you can make a lump-sum payment as the “opening amount”.
    • For the first year, the maximum annual deposit interest rate that the bank applies for the currency that you select is applied. For the following years, the interest rate is determined at the beginning of each term by applying an additional interest rate to the maximum annual deposit interest rate.
    • You start earning interest from the moment you make your first payment to your Accumulating Savings Account. At the end of each year, interest will accrue to your account.
    • Over the course of the term, you can make interim payments in an amount that you determine, provided the payment is made on the regular payment dates only. 
    • You can change the payment amount for as many times as you wish, provided it does not fall below the minimum payment amounIn the case where the regular payment amount cannot be collected, partial collection is carried out from the available balance of your account or the available limit of your credit card, provided it is not below the minimum regular payment amount. Regular payments made in the form of partial collections are not considered  as “overdue payments”.
    • You can withdraw money from your Accumulated Savings Account whenever you wish. However your account will be closed if you withdraw mone In the case that there are 3 consecutive overdue payments within the same year, your account is automatically closed and the balance available in the account is transfered to your current account.
      If you wish, you can receive reminder messages from Garanti BBVA Reminder on the payment-due dates.


  • Interest Rates

  • FAQs

    We found the following questions in our Help & Advice which might be useful for you...

    Can I withdraw any amount of money I want from my Accumulating Savings Account?

    You can withdraw any amount of money you want from your Accumulating Savings Account, however when you withdraw money your account will be closed.

    Find out moreCan I open and close accounts via Internet Banking? Can I make account definitions or account changes for my Paracard?

    You can open time deposit accounts, linked to your branch or branches, via Internet Banking in TL and foreign currency types for which you have a current account.

    Find out moreHow can I view my accounts or credit cards on Internet Banking? What is the time period for which I can view my account activities online? How can I find out the result of my overdraft account application?

    To open your current or time deposit accounts and your credit cards for use in Internet Banking, you need contact the nearest Garanti BBVA branch.

    Find out moreCan I update information via Internet Banking? Can I open a current account via Internet Banking and Garanti BBVA Customer Communication Center?

    You can update your address, home or business phone number, fax, e-mail address and internet information via Internet Banking.

    Find out more

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