Kiraz Account brings together the freedom of demand account with the yield of the time! Kiraz Account and its advantageous overnight interest rates allow you to spend your money as you wish without breaking the maturity.
Managing savings requires determination, strategy, patience and Kiraz Account! Kiraz Account offers advantages to your savings habit and enables you to utilize the cash you need whenever you want.
In Kiraz Account, which you can open in TRY, USD, EUR and Gold (XAU) your savings gain value day by day in overnight time deposit and you can quickly carry out all of your banking transactions in TRY, USD, EUR and Gold (XAU) demand deposit accounts.
You can apply for a Kiraz Account with advantageous interest rates over at Fibabanka Mobile Banking, Internet Banking, Telephone Banking at 444 88 88 and our branches and swiftly open your account.
*In addition to other ATM’s partnerships, 3 cash withdrawal transactions will be free of charge. Please click here for further information.
Customers who have minimum 20 days of accurring overnight interest in Kiraz account will benefit from Free 3 cash withdrawal in the following month.
Fibabanka A.Ş. has the authority to stop and / or change the product advantages and conditions at any time.
|Foreign Currency||Kiraz Account Range of Time Deposit Amount*||Demand Sub-Limit Amount (2)||Welcome Interest Rate**||Continuation Interest Rate***|
|TRY||1.000 - 9.999 TRY||1.000 TRY||11.50%||9.25%|
|10.000 - 24.999 TRY||2.500 TRY||9.50%|
|25.000 - 49.999 TRY||3.500 TRY||9.75%|
|50.000 - 99.999 TRY||3.500 TRY||10.00%|
|100.000 - 249.999 TRY||5.000 TRY||10.25%|
|250.000 - 500.000 TRY||10.000 TRY||10.50%|
|USD||1.000 - 14.999 USD||750 USD||2.25%||1.25%|
|15.000 - 24.999 USD||1.000 USD||1.50%|
|25.000 - 74.999 USD||2.000 USD||1.75%|
|75.000 - 150.000 USD||2.500 USD||2.00%|
|EUR||1.000 - 14.999 EUR||750 EUR||0.60%||0.20%|
|15.000 - 24.999 EUR||1.000 EUR|
|25.000 - 74.999 EUR||2.500 EUR||0.40%|
|75.000 - 150.000 EUR||3.500 EUR||0.40%|
|Gold (XAU) (1)||250 - 1.000 gram||10 gram||%0,75|
|1.001 - 2.500 gram||50 gram|
(1) Our legal person customers can obtain detailed information about opening a Kiraz Account via Fibabanka branches and Telephone Banking at 444 88 88.
(2) Demand Sub-Limits stated in the table will apply as of 13/12/2018. Until such time, the current Demand Sub-Limits will continue to apply.
* Kiraz Account Time Amounts may differ for real and legal person customers. Demand Deposit Minimum Limit and Amount Range of Kiraz Time Deposit Account can change according to customer types. You can get more information on the topic from Fibabanka branches and Telephone Banking at 444 88 88.
Demand Sub-Limit is determined based on the total balance of the Kiraz Account. After the Demand Sub-Limit is extracted from the total balance, the amount left in the account is utilized in Time Deposit and the related Continuation Interest Rate that corresponds to the remaining amount will apply.
** The above-mentioned interest rates are gross interest rates before withholding. Fibabanka reserves the right to change such rates in line with the market conditions. For the calculation of interest yield, the number of days in one year is deemed as 365 for non-leap years and 366 for leap years. Welcome Interest Rate will apply for 60 days for new Kiraz Accounts. After 60 days, Continuation Interest will be applied.
** Welcome Interest Rate will be valid for 60 days after the minimum foreign exchange balance stated above, for which interest rate will apply for the new Kiraz Accounts, is achieved. Following the 60-day period, Continuation Interest Rate that varies based on the above-mentioned amounts will be applied. The related interest rate will vary daily in line with the balance of the account, depending on the discretion of our Bank.