INTERNET BANKING
Vadeli Hesap

Time Deposit Account

Come and enjoy utilizing your savings and the benefit of fixed income advantage without being affected by any fluctuations in market interest rates.

  • What the Time Deposit Account Offer?
  • e-Deposit
  • TRY Time Deposit Account
  • Foreign Currency Time Deposit Account
  • Convertible Deposit
  • Fund Deposit Package

Fibabanka Time Deposit Account offers the way to strengthen your cash with fixed income and special interest rates without being affected by any fluctuations in the market. You can choose the most convenient rate and maturity, open a time deposit account and start enjoying the risk-free fixed income. You can withdraw your savings along with the accumulated interest at specified maturities. Therefore, you add risk-free value to your cash at specified interest rates and maturity.

Time Deposit Accounts are renewed with the same maturity and current interest rates unless you specify otherwise. If you place an order previously, you can transfer the accrued interest at the end of the maturity to your demand deposit account, and spend your cash whenever you want.

How Can I Open an Account?

You can stop by the nearest Fibabanka branches with your ID card to say "Hello" to the quickest, fastest and safest banking transactions with the Fibabanka Time Deposit Account. You can open a new time deposit account easily via Fibabanka Internet Banking or 444 88 88 Telephone Banking. 

No need to visit a branch anymore... Come and open a TRY, USD or EUR time deposit account via Internet Banking or Mobile Banking app, and start benefiting from advantageous interest rates!

  • Minimum limit for opening an account is TRY/USD/EUR 1,000 and the maximum limit is TRY 1,000,000 and its equivalent in USD/EUR.
  • Your time deposit account in TRY or FX will be renewed with the same maturity and interest rate unless you specify otherwise. If you want, your money can be transferred to the account that you specify.

Click here for interest rates.

You can utilize your savings in any maturity you prefer with the Fibabanka Time Deposit Account.

Our real person customers can open a time deposit account for their savings starting from TRY 1,000 via Internet and Telephone Banking. In order to open a time deposit account for saving starting from TRY 10,000, real customers can visit our branches.

We invite you to our branches for advantageous rates in all maturities.

Taxation

MaturityWithholding Rate
Up to 6 months (including 6 months)15%
6 months - 1 year (including a year)12%
Over a year10%

If you want risk-free return from your savings in FX, you can open a FX Time Deposit Account at Fibabanka by choosing the most convenient rate and maturity.

You can open a time deposit account for all your savings starting from USD/EURO/CHF/GBP/CAD 1,000. We invite you to our branches for advantageous rates in all maturities.

Taxation

Time deposits are subject to withholding. The withholding rates by maturity breakdown are explained below.

MaturityWithholding Rate
Up to 6 months (including 6 months)20%
6 months - 1 year (including a year)20%
Over a year18%

Do not miss out the opportunities we offer while earning interest!

The Convertible Deposit product allows you to convert your savings intoTRY, USD or EUR while earning interest whenever you want, without having to wait for the maturity!

Since the interest of the Time Deposit Account have  to be defined while opening the account, you will not be affected by decreases in interest rates in FX conversions. You will enjoy unlimited FX buy-sell transactions without missing the interest.

With Fund Deposit Package, you can utilize your savings in time deposit with different rates and distributions as well as mutual funds. This package offers you several advantages such as special maturities and interest rates for your savings, diversification of mutual funds, risk distribution, low transaction fees, etc.

  • You can open a Fund Deposit Account for all your savings starting from TRY 5,000.
  • The maturities of time deposit accounts vary between 32 to 182 days.
  • Minimum 10% and maximum 50% of the package is utilized in a mutual fund within the scope of the package.
  • The deposit interest rates depend on the mutual fund that you choose, maturity of the time deposit, the relative proportions of the mutual fund and the deposit in the package.

Our main Fund + Deposit Packages are as follows. Click here for more information on funds.

Package 1: Fiba Portföy Money Market Fund + Time Deposit Account
Package 2:
Fiba Portföy Short-Term Debt Instruments Fund + Time Deposit Account
Package 3:
Fiba Portföy Debt Instruments Fund + Time Deposit Account
Package 4:
Fiba Portföy Multi Asset First Variable Fund + Time Deposit Account
Package 5:
Fiba Portföy Multi Asset Second Variable Fund + Time Deposit Account
Package 6:
Fiba Portföy Gold Fund + Time Deposit Account
Package 7:
Fiba Portföy Eurobond Fund + Time Deposit Account
Package 8:
Fiba Portföy Equity Shares Fund + Time Deposit Account