Easily invest your savings with the Participation Account, an account type offered by Kuveyt Türk. Open a Participation Account, in which the yield is shared within the framework of a profit-loss partnership in line with the principles of interest-free banking through the Kuveyt Türk Mobile!
About Participation Account
According to the principles of participation finance, a Participation Account is a type of account in which your savings are collected to finance service, industry, and trade sectors. The yield is shared between Kuveyt Türk and account holders according to the profit-loss partnership. Thanks to this account type, which you can easily open through the Kuveyt Türk Mobile, you can invest your savings and make a profit.
How to Open a Participation Account
You can open your account quickly and easily using Kuveyt Türk Mobile. You can also use the Internet Branch or visit one of the Kuveyt Türk branches.
Details on Participation Account
- You can open your accounts on a daily, 1-month, 3-month, 6-month, 1-year or more than 1-year maturity provided that the minimum maturity is 2 days.
- The minimum account opening amount is 1,000 TRY/USD/EUR.
- In this type of account, the rate of return is determined at maturity.
- Provided that it is kept within the limits, money can be withdrawn from the account without breaking the maturity.
- If money is withdrawn from the account, the dividend payment is made over the remaining balance on the maturity date.
Advantages of Participation Account
- Make a steady return thanks to the Participation Account.
- Earn profit share with the most up-to-date fund collection rates.
- Benefit from the withholding tax advantage when you open a long-term TRY Participation Account.
- Choose the right account for your needs among different account types.
Transaction Limits of Participation Account
TL Participation Accounts
| Profit Share Ratios (%) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Opening Balance | Minimum Balance* | Daily Earning (2-6 Days) | Daily Earning (7-20 Days) | Daily Earning (21-29 Days) | 1 Month (30-31 Days) | 3 Months (32-91 Days) | 6 Months (92-180 Days) | 1 Year (181-364 Days) | Longer Than 1 Year (366-999 Days) | |
| Classic | 1.000 | 1.000 | 77-23 | 81-19 | 84-16 | 87-13 | 88-12 | 90-10 | 90-10 | 90-10 |
| Silver | 25.000 | 15.000 | 79-21 | 83-17 | 86-14 | 89-11 | 90-10 | 93-7 | 93-7 | 93-7 |
| Gold | 100.000 | 75.000 | 82-18 | 86-14 | 89-11 | 92-8 | 93-7 | 95-5 | 95-5 | 95-5 |
| Platinum | 500.000 | 375.000 | 84-16 | 88-12 | 91-9 | 94-6 | 95-5 | 96-4 | 96-4 | 96-4 |
| Platinum+ | 1.250.000 | 1.000.000 | 86-14 | 89-11 | 92-8 | 95-5 | 96-4 | 96-4 | 96-4 | 96-4 |
| Withholding Tax Rates** | %17,5 | %17,5 | %17,5 | %17,5 | %17,5 | %17,5 | %15 | %10 | ||
*Minimum Balance is the minimum balance that must remain in the account if a withdrawal is made during the maturity period.
**For accounts opened or renewed on or after 09.07.2025
USD-EURO Participation Accounts
| USD and EURO Profit Share Ratios (%) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Opening Balance | Minimum Balance* | Daily Earning (2-6 Days) | Daily Earning (7-20 Days) | Daily Earning (21-29 Days) | 1 Month (30-31 Days) | 3 Months (32-91 Days) | 6 Months (92-180 Days) | 1 Year (181-364 Days) | Longer Than 1 Year (366-999 Days) | |
| Classic | 1.000 | 1.000 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 |
| Silver | 50.000 | 35.000 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 |
| Gold | 250.000 | 175.000 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 |
| Platinum | 750.000 | 600.000 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 |
| Platinum+ | 1.500.000 | 1.250.000 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 | 40-60 |
| Withholding Tax Rates** | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | ||
*Minimum Balance is the minimum balance that must remain in the account if a withdrawal is made during the maturity period.
Channels to Apply for Participation Account
- If you have a Kuveyt Türk account, you can quickly apply through the Kuveyt Türk Mobile.
- If you do not have an account, you can visit our Become a Kuveyt Türk Customer page and check out the steps to become a customer.
- You can also apply through the Internet Branch or by visiting one of our branches.
Frequently Asked Questions About Participation Account
Can I merge my Participation Accounts?
Customers who have more than one Participation Account can merge their accounts. To do so, open a new Participation Account and add your existing Participation Account(s) to it.
Do I need to pay a fee to open a Participation Account?
No. You can open your Participation Account completely free of charge and start earning a profit share.
Can I transfer the income from my Participation Account to my current account?
Yes. You can either keep the profit share in your Participation Account or transfer it to your current account.
Is my Participation Account under state guarantee?
Regardless of whether you are a natural person or a legal entity, accounts are under the guarantee of the Savings Deposit Insurance Fund if the total balance in your Participation Account and private current accounts is a maximum of 1,200,000 TRY.