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YUVAM Account

Deposit and Participation Scheme for Non-Resident Turkish Citizens

General Information

Yuvam Account is a very advantageous account that can be opened by natural persons residing abroad and legal persons whose legal place of residence is abroad, by converting their savings in foreign currency deposit accounts at our Bank into Turkish Lira.

Our non-resident customers will be able to open their Yuvam account with their foreign currency deposit account balances in US Dollars, Euro, British Pounds and Swiss Frank at our Bank


  • Only depositors residing abroad can benefit from the product. There is no requirement to be a Turkish citizen.
  • CBRT Policy Interest Rate is applied as minimum to the account to be opened.
  • The income obtained on the product is exempt from withholding tax.
  • There is no minimum amount and maximum amount limit for the product.
  • You can open your account with a maturity of 3-6-12-24 months. There is no interim maturity.
  • The account is opened with the balances of foreign currency deposit accounts in US Dollars, Euros, British Pounds and Swiss Frank opened by our savings customers at our bank, after being converted to TL at the relevant foreign exchange buying rate (“Conversion rate”) last announced by the CBRT at 10:00, 11:00, 12:00, 13:00, 14:00 and 15:00.
  • For currency difference calculations, the CBRT will publish USD, EUR, GBP and CHF foreign exchange buying rates every day at 10:00-11:00-12:00-13:00-14:00 and 15:00 and calculations will be made using these rates.
  • The additional income calculated at the rates determined below according to the maturity groups over the foreign currency amounts converted to YUVAM accounts is paid in addition to the net income to be obtained over the following interest rates. Payments to account holders is made in Turkish Liras. Specified rates show annual return rates*.
    • 3 month maturity: %3,00,
    • 6 month maturity: %4,00,
    • 12 month maturity: %5,00,
    • 24 month maturity: %6,00 (If the account is closed before the due date, the return will not be paid.)
  • At the end of the maturity date, if the customer requests, the account can be renewed using the end of maturity rate. Within the scope of the renewed account, you may continue to benefit from the support up to a maximum of the TL balance at the end of the maturity date and the corresponding foreign currency amount.
  • No deposit/withdrawal transactions will be made on the product during the maturity period.
  • For Yuvam account opening, no transfer fee is charged from accounts opened by transfer from abroad.
  • 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.

YUVAM Account Interest Rates

Vade (day)
3 months
92-94 days
6 months
185-187 days
12 months
366-370 days
1-250.000 TL 40% 40% 40%
250.000-500.000 TL 40% 40% 40%
500.000 TL - 1.000.000 TL 40% 40% 40%
Above 1.000.000 TL 40% 40% 40%

* If the due date coincides with a holiday, interest will be accrued on the next business day.

** In case of withdrawal of money from the account before the maturity date, the account becomes a current account and the right to interest disappears. The balance of the current account is updated at whichever rate is lower than the CBRT buying rate on the date the account was opened, and the CBRT buying rate on the date the account was closed. Therefore, in case of closing before the maturity date, there may be a decrease in the principal balance depending on the decrease in the exchange rate.

*** Depending on your request at the account opening, the account can be closed at the end of the maturity period, or it can be renewed with the same maturity.