Benefit from a 90-day Welcome Interest Rate on your Turkish Lira savings while keeping your funds accessible whenever you need them.
Salkım Account Features
Salkım Account is opened as a new demand deposit account and functions as both a demand deposit account and a time deposit account.
You may open your account with an initial deposit or without one, and add funds at a later time.
For your cash needs, the portion of your balance exceeding the amount kept available in your Salkım Account is automatically transferred to a linked time deposit account, where it earns overnight interest.
No interest is paid on the portion of your Salkım Account balance kept available for your daily cash needs.
The interest rate table below sets out the applicable balance tiers, corresponding interest rates, and the non-interest-bearing demand deposit amounts available in your Salkım Account, which vary based on your account balance.
Interest will accrue only if the balance in your time deposit account is sufficient to generate a minimum gross interest amount of TRY 0.01.
On full business days, interest accrues on the balance in your account as of 5:00 p.m. on the same day. Funds deposited after 5:00 p.m. begin earning interest from the following business day. On half business days, interest accrues on the balance in your account as of 12:00 noon on the same day. Funds deposited after 12:00 noon begin earning interest from the following business day. However, if you withdraw or transfer funds after 5:00 p.m. on full business days or after 12:00 noon on half business days, interest will be calculated based on the remaining balance in your account.
Funds deposited into your account on non-business days, including weekends and public holidays, will start earning interest from the next business day. However, interest will not accrue if the account balance on the first business day following the weekend or public holiday is insufficient to meet the minimum balance required for interest accrual.
For your initial account opening, you can benefit from the Welcome Interest Rate for 90 days. During this period, your applicable Welcome Interest Rate remains fixed and is not affected by any subsequent changes. However, if your account is opened with no initial balance and no interest has yet accrued before the Welcome Interest Rate changes, the then-current Welcome Interest Rate will apply to your account.
Welcome Interest Rate is available only once per customer.
Once your 90-day Welcome Interest Rate period ends, the Standard Interest Rate will apply to your account.
If your account is closed and subsequently reopened, you will not be eligible for the Welcome Interest Rate. The Standard Interest Rate will apply.
You can perform fund transfer transactions, including EFT (Electronic Funds Transfer), money transfers, and internal transfers, through your Salkım Account.
Salkım Account can be opened at our branches or through our Internet Banking and Mobile Banking channels.
Salkım Account is available only to individual customers.
Salkım Account may only be opened in Turkish Lira (TRY), and customers may hold no more than one Salkım Account in the same currency.
Salkım Account Opening
You can quickly open a Salkım Account without visiting a branch, either through our Internet Banking service or the Türk Ticaret Mobile app.
If you are already a Türk Ticaret Bankası customer, simply log in to our mobile app and follow Accounts > Salkım Account > Open Account steps to quickly open your Salkım Account.
If you are not yet a Türk Ticaret Bankası customer, download the Türk Ticaret Mobile app and click “Become a Customer.” After becoming our customer within just a few minutes through a video call, you can immediately open your Salkım Account via the Türk Ticaret Mobile app.
Salkım Account Interest Rates
| Balance Range (TL) |
Non-Interest-Bearing Amount (Demand Deposit) |
Welcome Interest Rate |
Standard Interest Rate |
| 10.000 – 100.000 |
10.000 TL |
44,50% |
42,00% |
| 100.000,01 – 250.000 |
25.000 TL |
44,50% |
42,00% |
| 250.000,01 – 750.000 |
50.000 TL |
44,50% |
42,00% |
| 750.000,01 – 1.500.000 |
100.000 TL |
44,50% |
42,00% |
| 1.500.000,01 – 2.500.000 |
200.000 TL |
44,50% |
42,00% |
| 2.500.000,01 – 3.500.000 |
300.000 TL |
44,50% |
42,00% |
| 3.500.000,01 – 5.000.000 |
450.000 TL |
44,50% |
42,00% |
| 5.000.000,01 – 7.500.000 |
750.000 TL |
44,50% |
42,00% |
| 7.500.000,01 – 10.000.000 |
1.000.000 TL |
44,50% |
42,00% |
| 10.000.000,01 – 20.000.000 |
2.000.000 TL |
38,50% |
34,00% |
| 20.000.000 above |
3.000.000 TL |
25,00% |
20,00% |
All interest rates shown in the table are expressed as annual gross rates.
The gross interest earned on your Salkım Account is subject to the applicable withholding tax rate for deposits with a maturity of up to 6 months.
Deposits and participation funds denominated in Turkish Lira, foreign currencies and precious metals held at domestic branches are insured up to TRY 1,200,000 per depositor, per credit institution, excluding accounts held by public institutions, credit institutions and financial institutions. For more information, please click here.
