Daily Account

• A Daily Account can be opened in TRY, USD, or EUR.
• A 15% withholding tax is applied to the account.
• A Daily Account may be opened with a zero balance. However, in order for the Daily Account to generate profit, the available balance must be at least equal to the sum of the minimum balance required to remain in the current account and the minimum balance eligible for profit accrual. Accordingly, to benefit from daily profit rates, the total balance of a TRY Daily Account must be at least TRY 10,000. For USD and EUR accounts, the minimum balance required to remain in the current account and the minimum balance eligible for profit accrual are specified in the table below.
• For a TRY Daily Account, the minimum balance required to remain in the current account within current account transaction limits is at least TRY 5,000 and at most TRY 5,500,000.
• Depending on the total account balance, the lower limit of the TRY Daily Account balance eligible for profit accrual (minimum profit-accruing amount) is TRY 5,000, and the upper limit is TRY 44,500,000.
• In line with the amount ranges determined by the Bank, a minimum balance that must remain in the current account is defined for the Daily Account based on the relevant tier corresponding to the account balance, and no profit is calculated on this amount. After deducting this required current balance from the total account balance, the remaining balance (up to a maximum of TRY 44,500,000) becomes eligible for profit accrual, and the profit rate applicable to the relevant tier is applied to this balance.
• If the balance eligible for profit accrual in the Daily Account exceeds the upper limit of TRY 44,500,000 in accordance with the specified tier structure, the excess amount shall remain in the current account.
• On business days, the balance in the Daily Account is determined at 4:30 p.m. in line with the amount ranges determined by the Bank and, as of 6:30 p.m. on the same day, the eligible balance is transferred to a deposit account for profit accrual purposes. On the following business day, the amount eligible for profit accrual, together with the accrued profit, is transferred back to the Daily Account as of 09:00 a.m.
• The entire balance in the Daily Account may be withdrawn and used for all banking transactions on business days between 09:00 a.m. and 6:30 p.m. After 6:30 p.m., only the current balance remaining in the account, excluding the amount eligible for profit accrual, may be used.
• For both full business days and half business days, amounts deposited into the account before 4:30 p.m. are taken into account with the same day’s value date, while amounts deposited after 4:30 p.m. are taken into account with the next business day’s value date. Withdrawals/balance outflows are processed with the same day’s value date.
• The profit rate shall in no case exceed the inflation differential determined for the relevant currency.
• For the purposes of profit calculation, the number of days in a year is taken as 365 in non-leap years and 366 in leap years.
• The stated profit rates are annual gross profit rates, and Türkiye Finans reserves the right to amend the profit rates, the “Welcome” period, the amount tiers, and other terms and conditions relating to the Daily Account in line with market conditions.

The Daily Account Welcome Offer is a program that offers advantageous profit rates for 35 days on TRY-denominated Daily Accounts opened by customers who became customers of the Bank as of 5 August 2023 and are opening a Daily Account for the first time.

The “Welcome” profit rate and the “Welcome” period are valid only once and apply exclusively to newly acquired customers and new participation funds.

All Türkiye Finans customers who are 18 years of age or older may open a Daily Account. For corporate customers, please click here to obtain detailed information about the Daily Account.

• Customers who have become new customers of the Bank as of 5 August 2023 will be offered advantageous “Welcome” profit rates for 35 days on Daily Account transactions.
• The “Welcome” period and “Welcome” profit rates apply only to TRY-denominated Daily Accounts. For USD and EUR Daily Accounts, information on the applicable amount ranges and profit rates may be obtained through Mobile and Internet Branch or from Türkiye Finans branches.
• The advantageous TRY Daily Account “Welcome” profit rates and the “Welcome” period are valid only once, apply only to the first TRY Daily Account opened, and are applicable solely to new balances.
• The “Welcome” rate is the profit rate to which the account becomes entitled once the account balance reaches the minimum current account balance and the minimum profit-eligible threshold applicable to the relevant currency following the opening of the Daily Account.
• The “TRY Welcome” and “Standard” profit rates are determined daily by the Bank and are subject to increase or decrease.
• The “Welcome” period starts from the first day on which the account becomes eligible for profit accrual and remains fixed throughout the Welcome period thereafter. However, it may be amended by the Bank until the first profit-accruing day.
• Upon the expiry of the Welcome period, the “Standard” profit rates, which vary daily based on the amount ranges determined by the Bank, shall apply.
• Upon the expiry of the Welcome period, the “Standard” profit rates, which vary daily based on the amount ranges determined by the Bank, shall apply.

You can open your Daily Account in TRY, USD, or EUR.

In order for the Daily Account to generate profit, the available balance must be at least equal to the sum of the minimum balance required to remain in the current account and the minimum balance eligible for profit accrual. Accordingly, to benefit from daily profit rates, the total balance of a TRY Daily Account must be at least TRY 10,000. Depending on the total account balance, the lower limit of the TRY Daily Account balance eligible for profit accrual (minimum profit-accruing amount) is TRY 5,000, and the upper limit is TRY 44,500,000. For a TRY Daily Account, the minimum current account balance is TRY 5,000, and the maximum current account balance is TRY 5,500,000.

In line with these amount ranges determined by the Bank, a minimum balance that must remain in the current account is defined for the Daily Account based on the relevant tier corresponding to the account balance, and no profit is calculated on this amount. After deducting this required current balance from the total account balance, the remaining balance (up to a maximum of TRY 44,500,000) becomes eligible for profit accrual, and the profit rate applicable to the relevant tier is applied to this balance.

If the balance eligible for profit accrual in the Daily Account exceeds the upper limit of TRY 44,500,000 in accordance with the specified tier structure, the excess amount shall remain in the current account.

With a Daily Account, you may perform all transactions permitted on your TRY current account. On business days, you may withdraw funds from your account until 6:30 p.m., carry out EFT and money transfer transactions, and set up direct debit instructions to ensure that your regular payments are made. You may also carry out various investment transactions from this account if desired. After 6:30 p.m., you may use the portion of your account balance excluding the amount eligible for profit accrual.

The TRY Daily Account Welcome period is 35 days.

The TRY Daily Account Welcome rate is the profit rate to which the account becomes entitled once the account balance reaches the lower threshold, defined as the sum of the minimum balance required to remain in the current account and the minimum balance eligible for profit accrual, following the opening of the Daily Account. The TRY Daily Account Welcome profit rate is determined daily by the Bank and is subject to increase or decrease.

​You can open your Daily Account via Türkiye Finans Mobile Branch ve İnternet Branch or by visiting your nearest Türkiye Finans branch​

You can close your Daily Account via Türkiye Finans  Mobile Branch and İnternet Branch or at your nearest Türkiye Finans branch, and you may reopen a Daily Account at any time if you wish.​