Private Pension

Garanti's Private Pension advantages are waiting for you

Private Pension is a special private pension system that enables you to safely build up savings and turn these savings into investments to have a comfortable retirement and to fulfill your dreams. It enables you to receive the savings that you have obtained through your investments in lump-sum or as monthly pension payments.

The Private Pension Savings and Investment Law which came into effect in October 7, 2001 was developed for you. The Private Pension System is a complementary system to the current social security system and managed by the private sector. Whether or not you are included in the social security system, you build a second source of income with your contribution payments at the end of the period.

You can immediately apply for Private Pension with your credit card by clicking the “Apply” button. What’s more you don’t pay an admission fee.


  • Advantages

    To prevent getting affected by the depreciation in the value of the pension payments that may occur due to the change in the active worker/retired ratio, you can benefit from the advantages of Private Pension.

    • With Private Pension, you receive a second pension income, complementary to the pension income provided by the social security system.
    • By selecting the mutual funds that your contribution payments to the Private Pension System will be invested in, you can reach the prosperity level that will enable you to have a comfortable retirement.
    • The contribution payments that you make to the Private Pension System are tax deductible within certain limits and you also benefit from tax advantages in the investment phase. Thus, while paying less tax, you also enhance your savings.
  • FAQs

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

    Can I change the pension company?

    Yes. If you are not happy with the pension plan you have chosen and the return generated through the pension investment funds, you may change your pension company whenever you wish after your 1 year is up with the pension company which you have entered into an agreement or 1 year after your last change of company.

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    How does the system work?

    To enroll in the Private Pension System, you may enter into an agreement with any pension company you wish.

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    What is the Private Pension System?

    The Private Pension System is a special pension system that enables you to safely build up savings and turn these savings into an investment.

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    What will happen to my status and contribution payments in the existing social security system (SSK, Bağkur, Emekli Sandığı)?

    Enrollment in the Private Pension System will not affect your status in the social security institution that you are affiliated with.

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