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Deniz Account

No Losing Interests or Breaking Term Deposits with the Deniz Account!

General Information

If you do not have an account at DenizBank, just apply to our nearest branch with your ID. If you are currently a customer of our bank, you can have a Deniz Account by placing an order via online banking or phone banking. 200,000 TL of the money in deposit accounts are under the guarantee of the Savings Deposit Insurance Fund. 


  • Deniz Account offers the flexibility to deposit and withdraw money at any time without breaking the term deposit.
  • When withdrawing or depositing, you do not break the term deposit of Deniz Account, nor do you lose any interest.
  • You can make bilateral EFTs, transfers and internal transfers between Deniz Account and other accounts. 
  • When you first open a Deniz Account, the lower limit is 1,000 TL/USD/EUR.
  • From the date you first open the account, an advantageous welcome interest applies to your account for 1 month.
  • An advantageous interest rate applies to each account opened in different currencies for once.
  • The upper limit for the advantageous welcome interest is 500,000 TL, 25,000 USD or 25,000 EUR. 
  • Once the welcome interest expires, standard interest rates apply throughout the term. The upper limit for the standard interest rate is 500,000 TL, 25,000 USD or 25,000 EUR.
  • The lower limit is 1,000 TL/USD/EUR in Deniz Account, so if the balance is not above 1,000 TL/USD/EUR at least once in 90 days, the Deniz Account feature becomes unavailable and the current balance is automatically transferred to your checking account.
  • If there are no transactions or balance in Deniz Account for 90 days, the account is considered inactive and is automatically closed. Despite having zero balance, accounts which have been active in 90 days remain open unless you order otherwise.
  • You can deposit money to Deniz Account between the start of working hours and 20.00 on weekdays. You can deposit money to Deniz Account until 18.00 for interest accrual. Money deposited after this period is put into transaction at the start of working hours and becomes eligible for interest accrual.
  • When your balance exceeds the upper limit, the excess interest rate applies only to the part that exceeds the limit.

* Deposits opened in domestic branches in TL, FX and precious metals, except for those belonging to official institutions, credit institutions and financial institutions, are within the scope of insurance up to 650,000 TL in 2024, at each deposit bank, for each person.

Frequently Asked Questions

What is a Deniz Account?

It is DenizBank's term deposit account with flexible conditions. You can deposit and withdraw money without breaking the term deposit or losing interest rates that you have agreed on, and you can make transactions such as EFT, transfer and internal transfer through the same account.

How can I make calculations for Deniz Account?

You can use DenizBank Term Deposit Calculation Tool, as well as get support from our customer representatives by coming to our branches or from phone banking by calling 0 850 222 0 800.