DCSIMG What are my rights in the System? | DenizBank
What are my rights in the System?

Right of Withdrawal

You hold the right of withdrawal before your pension contract is put into effect (30 days). In the event that you execute your right of withdrawal, all the payments made are returned to the payer party without any kind of deduction and along with the fund income if any, within seven working days.

Suspension of Payment

You can suspend your payments of contribution. However, the period in which contributions are not paid, is not taken into consideration while calculating the period that is necessary to acquire the right of retirement. In the event that you resume paying your contributions, the amount that is paid is accepted as the contribution payment of the month in which it is paid.

Rights of Changing the Fund and Plan

You can change the structure of your assets in your pension account a maximum of six times in one year. You can change your pension plan four times in one year at most.

Change of Contribution

You may change your contribution amount on condition that it is not under the minimum contribution rate.

You may transfer all your savings to another company at least one year after the effective date of your pension contract. You do not have to pay an entrance fee for your new pension contract established by the transfer.

Transfer of Savings

You may transfer all your savings to another company at least one year after the effective date of your pension contract. You do not have to pay an entrance fee for your new pension contract established by the transfer.

Merging Accounts

You can merge your pension accounts which are opened in the same or different companies. In order to be able to merge accounts in different companies, the account to be closed must have been active in the company for at least one year. You can merge your accounts within the same company whenever you wish and without being subject to any limits.

Leaving the System

You may leave the system by taking all your savings whenever you wish. In the event that you leave the system, you lose your rights from the date of entrance to the Pension System.

Under these circumstances your savings are subjected to different tax implementations:

  • If you leave before 10 years are completed, your savings are paid after 15 % withholding tax deduction.
  • If you leave after 10 years but before you have reached the age of 56, your savings are paid after 10 % withholding tax deduction.

Right of Retirement

You earn the right of retirement after you have reached the age of 56 on condition that you have remained in the system at least 10 years and have paid contributions for these 10 years as of the date of your entrance to the pension system.

It is sufficient for you to retire by earning the right of retirement with only one pension contract. If you have more than one pension contract, when you acquire the right to retire from one of these pension contracts, you also acquire the right to retire from all the other contracts at the same time.

If you wish to retire from all your pension contracts, you must inform your pension company that you will exercise your right of retirement from all your other contracts too, via your retirement request and by merging your accounts.

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