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.

* In investment accounts, principal amount can be withdrawn at the end of the year whereas dividends can be withdrawn at the end of the period.

* The profit share amount distributed as of 3/27/2017 is the calculated profit share.

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

You can apply now to open an account!

You can visit our participation accounts and participation accounts with interim profit share payments pages.

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

* In investment accounts, principal amount can be withdrawn at the end of the year whereas dividends can be withdrawn at the end of the period.

* The profit share amount distributed as of 3/27/2017 is the calculated profit share.

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