Time Term Deposit Interest Rates

Kiraz Account

Type of Customer	Type of Currency	Amount Range of Kiraz Time Deposit Account*	Demand Deposit Minimum Limit*	Welcome Interest Rate**	Special Welcome Interest Rate for Video Banking and Digital Channels**	Advantageous Standard Interest Rate*
PERSONAL	TRY	TRY 10.000 - 24.999	TRY 5.000	48.00%	49.00%	40.00%
		TRY 25.000 - 49.999	TRY 10.000			40.00%
		TRY 50.000 - 99.999	TRY 15.000			40.00%
		TRY 100.000 - 249.999	TRY 25.000			40.00%
		TRY 250.000 - 499.999	TRY 50.000			41.00%
		TRY 500.000 - 999.999	TRY 75.000			42.00%
		TRY 1.000.000 - 1.999.999	TRY 150.000			43.00%
		TRY 2.000.000 - 5.000.000	TRY 250.000			44.00%
	USD	USD 1.000 - 14.999	USD 1.500	0.20%	0.10%
		USD 15.000 - 24.999	USD 2.000
		USD 25.000 - 74.999	USD 4.000
		USD 75.000 - 149.999	USD 5.000
		USD 150.000 - 300.000	USD 10.000
	EUR	EUR 1.000 - 14.999	EUR 750	0.10%	0.05%
		EUR 15.000 - 24.999	EUR 1.000
		EUR 25.000 - 74.999	EUR 2.500
		EUR 75.000 - 150.000	EUR 3.500
	GBP	GBP 1.000 - 14.999	GBP 250	0.10%	0.05%
		GBP 15.000 - 24.999	GBP 500
		GBP 25.000 - 74.999	GBP 750
		GBP 75.000 - 150.000	GBP 1.000
	Gold (XAU) (1)	gram 350 - 1.000	gram 10	0.20%	0.20%
	Gold (XAU) (1)	gram 1.001 - 2.000	gram 50	0.20%	0.20%
	Silver (XAG) (1)	gram 1.000 - 9.999	-	0.10%	0.10%
		gram 10.000 - 24.999	gram 1.000
		gram 25.000 - 49.999	gram 1.500
		gram 50.000 - 100.000	gram 2.500
CORPORATE	TRY	TRY 100.000 - 249.999	TRY 50.000	48.00%	49.00%	40.00%
		TRY 250.000 - 499.999	TRY 75.000			40.00%
		TRY 500.000 - 999.999	TRY 150.000			41.00%
		TRY 1.000.000 - 1.999.999	TRY 300.000			42.00%
		TRY 2.000.000 - 4.999.999	TRY 700.000			43.00%
		TRY 5.000.000 - 7.500.000	TRY 1.250.000			44.00%
	USD	USD 1.000 - 14.999	USD 1.500	0.20%	0.10%
		USD 15.000 - 24.999	USD 2.000
		USD 25.000 - 74.999	USD 4.000
		USD 75.000 - 149.999	USD 5.000
		USD 150.000 - 300.000	USD 10.000
	EUR	EUR 1.000 - 14.999	EUR 750	0.10%	0.05%
		EUR 15.000 - 24.999	EUR 1.000
		EUR 25.000 - 74.999	EUR 2.500
		EUR 75.000 - 150.000	EUR 3.500
	GBP	GBP 1.000 - 14.999	GBP 250	0.10%	0.05%
		GBP 15.000 - 24.999	GBP 500
		GBP 25.000 - 74.999	GBP 750
		GBP 75.000 - 150.000	GBP 1.000
	Silver (XAG) (1)	gram 1.000 - 9.999	-	0.10%	0.10%
		gram 10.000 - 24.999	gram 1.000
		gram 25.000 - 49.999	gram 1.500
		gram 50.000 - 100.000	gram 2.500

*It is the welcome interest rate applicable at the time of opening the account and this rate shall be fixed for 60 days. Following expiry of 60 days period, standard determined by the Bank on daily basis, shall be applied. Demand Deposit Minimum Limit and Amount Range of Kiraz Time Deposit Account can change according to customer types. For further information and account opening transactions, please contact Fibabanka branches and 444 88 88 Call Center.

Welcome Interest Rate for TRY Kiraz Accounts will be valid for 45 days for the new Kiraz accounts and the current Kiraz accounts which have not started to accrue welcome interest as of 13/01/2025.

E-Deposit Interest Rates*

TRY (%)
MATURITY	1,000-10,000	10,001-25,000	25,001-50,000	50,001-100,000	100,001-250,000	250,001-500,000	500,001-1,000,000	1,000,001-5,000.000	5,000,001 - 10,000,000
1-7 days	34.00	34.00	34.00	34.00	34.00	34.00	34.00	34.00	34.00
8-31 days	34.00	34.00	34.00	34.00	34.00	34.00	34.00	34.00	34.00
32-45 days	39.00	40.00	41.00	42.00	43.00	44.00	45.00	46.00	46.00
46-90 days	38.50	39.50	40.50	41.50	42.50	43.50	44.50	45.50	45.50
91-120 days	39.00	40.00	41.00	42.00	43.00	44.00	45.00	46.00	45.00
121-182 days	30.50	33.50	34.50	36.00	36.50	37.00	37.50	38.00	38.00
183-365 days	30.00	32.00	32.50	33.00	33.50	34.00	34.50	35.00	35.00

MATURITY	USD (%)	EUR (%)
1 days	-	-
7 days	-	-
8-27 days	0.05	0.05
28-44 days	0.15	0.05
45-60 days	0.15	0.05
61-91 days	0.15	0.05
92-181 days	0.15	0.05
182-365 days	0.15	0.05
366-400 days	0.15	0.05
401-735 days	0.15	0.01

* E-Deposit interest rates are available between amount of TRY/USD/EUR 1.000 - TRY 1.000.000 or equivalent amount of USD/EURO.

Convertible Deposit Interest Rates

MATURITY	TRY (%)	USD (%)	EUR (%)	CHF (%)	GBP (%)
30-34 days	6.00	0.10	0.05	0.35	0.25
35-50 days	6.00	0.10	0.05	0.35	0.25
51-60 days	6.00	0.10	0.05	0.35	0.25

*Convertible Deposit interest rates are available between minimum limit of TRY 150.000, USD 15.000, EUR 15.000, 15.000 CHF, 15.000 GBP

Interest rates above mentioned are annual gross rates before withholding tax cut and Fibabanka A.Ş reserves the right to change these rates according to market conditions.

Time Deposits Interest Rates

MATURITY	TRY (%)	USD (%)	EUR (%)
1-7 days	0.01	0.01	0.01
8-21 days	3.75	0.01	0.05
22-27 days	3.75	0.05	0.05
28-31 days	3.75	0.05	0.05
1 month	3.75	0.05	0.05
32-34 days	6.00	0.10	0.05
35-45 days	6.00	0.10	0.05
46-51 days	6.00	0.10	0.05
52-60 days	6.00	0.10	0.05
61-75 days	6.00	0.10	0.05
76-91 days	6.00	0.10	0.05
3 month	6.00	0.10	0.05
92-100 days	6.00	0.10	0.05
101-181 days	6.00	0.10	0.05
6 month	6.00	0.10	0.05
182-200 days	6.00	0.10	0.05
201-365 days	6.00	0.10	0.05
12 month	6.00	0.10	0.05
366-400 days	6.00	0.10	0.05
401-735 days	5.00	0.10	0.05

MATURITY	CHF (%)	GBP (%)	CAD (%)	RUB (%)
1-7 days	0.01	0.01	0.05	0.10
8-21 days	0.01	0.05	0.10	0.90
22-27 days	0.01	0.05	0.40	0.90
28-31 days	0.01	0.05	0.40	0.90
1 month	0.10	0.05	0.40	0.90
32-45 days	0.10	0.10	0.90	4.90
46-100 days	0.10	0.10	0.90	4.90
3 month	0.10	0.10	0.90	4.90
101-180 days	0.10	0.10	0.90	4.90
6 month	0.10	0.10	0.90	4.90
181-300 days	0.05	0.10	0.90	4.90
301-365 days	0.05	0.10	0.90	4.90
12 month	0.01	0.10	0.90	4.90
366-400 days	0.01	0.10	0.90	4.90