ELMA has countless benefits.


While you are carrying out your payment transactions, The amount of money in your current account above the lower limit that you set, will be transferred to your ELMA Deposit Account and will be charged with overnight interest.

Thus you earn whenever you have money in your account without you having to do anything.

If you don't have an ELMA account at Garanti BBVA yet, open an account through Internet Banking or visit the nearest Garanti BBVA Branch.

  • Features and Benefits

    • All of your standing payments such as your rent, installments, electricity and telephone bill payments are automatically made with the money in your ELMA Account on their payment due dates.

    • When your money is being invested in the ELMA Account, you can also withdraw cash anytime you want.

    Interest Rate

    The interest rate applied on the ELMA Deposit Account is %8 and the interest rate may be changed. Please visit www.garantibbva.com.tr/en for information about ELMA- Account interest rates.

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