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The Cumulative Participation Account is a participation account for those who are interested in making long-term investments with small savings. You can make monthly and quarterly payments to this account, which can be opened for a minimum term of three years and a maximum of 10.

  • To open an account you need a minimum of 150 TRY, 100 USD, 100 Euro or 10 grams of gold.
  • After opening your account, you can make your payments through current account or credit card order.
  • You can update the order amounts.
  • The minimum amount you can deposit is 50 TRY/USD/Euro or 1 gram of gold.
  • A lump sum can be deposited upon opening the account.
  • You can skip payments a maximum of 5 times.
  • You can withdraw money 3 times or up to 50% of the capital before the end of the term.
  • If these conditions are violated, it is requested that the customer returns 50% of the gross profit shares received until then.

Account Types and Limits

Cumulative Participation Account Sharing Rates
Currency Type Opening Balance - Minimum Balance Sharing Rate (Minimum 3 Years, Maximum 10 Years)
TRY 150 %95-%5
USD-Euro 100 %90-%10
Gold 10 %85-%15

Cumulative Participation Account Withholding Rates

  • 10% for Turkish Lira
  • 13% for USD and Euro
  • 15% for Gold

Profit Share Calculation

Term
Day Month
Term Month

* The average term for monthly participation accounts is calculated as 31 days.

* Calculated using the distributed profit share ratio of participation accounts with maturity date due today.

* Click here for more details on profit sharing rates.

Net Profit
Gross Profit
Net Rate (Annual)
Gross Rate (Annual)
Account Classic

* The average term for monthly participation accounts is calculated as 31 days.

* Calculated using the distributed profit share ratio of participation accounts with maturity date due today.

* Click here for more details on profit sharing rates.

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