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A Participation Account is the type of account that allows for the distribution of yield within the scope of the profit-loss partnership between the account holder and Kuveyt Türk. The funds collected in Participation Accounts are used in financing trade, industry and service sectors in line with the principles of interest-free banking.

  • An account can be opened at our branches, internet branch or via Kuveyt Türk Mobile with a minimum monthly maturity in TL, Dollar, Euro and Gold.
  • There are 5 account types in total, namely; Classic, Silver, Golden, Platinum and Platinum+.
  • You can withdraw cash within the limits determined according to account type, without the term being cancelled.
  • The yield rate is not determined at the beginning, but rather at the end of the term.

Account Types and Limits

TRY Participation Accounts

Profit Share Rates (%)
  Opening Balance Minimum Balance 1 Month (30-31 Days) 3 Months (32-91 Days) 6 Months (92-180 Days) 1 Year (181-364 Days) More Than 1 Year (366-999 Days)
Classic 250 250 85-15 93-7 93-7 93-7 93-7
Silver 25.000 15.000 87-13 95-5 95-5 95-5 95-5
Golden 100.000 75.000 90-10 97-3 97-3 97-3 97-3
Platinum 500.000 375.000 93-7 98-2 98-2 98-2 98-2
Platinum+ 1.250.000 1.000.000 96-4 99-1 99-1 99-1 99-1
Withholding Rates 7,5% 7,5% 7,5% 5% 2,5%
* Opening Balance,  is the minimum balance that should be in the account in case of withdrawal of money within the maturity period.

USD Participation Accounts

Profit Share Rates (%)
  Opening Balance Minimum Balance 1 Month (30-31 Days) 3 Months (32-91 Days) 6 Months (92-180 Days) 1 Year (181-364 Days) More Than 1 Year (366-999 Days)
Classic 250 250 20-80 20-80 20-80 20-80 20-80
Silver 50.000 35.000 20-80 20-80 20-80 20-80 20-80
Golden 250.000 175.000 20-80 20-80 20-80 20-80 20-80
Platinum 750.000 600.000 20-80 20-80 20-80 20-80 20-80
Platinum+ 1.500.000 1.250.000 20-80 20-80 20-80 20-80 20-80
Withholding Rates 25% 25% 25% 25% 25%
* Opening Balance,  is the minimum balance that should be in the account in case of withdrawal of money within the maturity period.

Euro Participation Accounts

Profit Share Rates (%)
  Opening Balance Minimum Balance 1 Month (30-31 Days) 3 Months (32-91 Days) 6 Months (92-180 Days) 1 Year (181-364 Days) More Than 1 Year (366-999 Days)
Classic 250 250 20-80 20-80 20-80 20-80 20-80
Silver 50.000 35.000 20-80 20-80 20-80 20-80 20-80
Golden 250.000 175.000 20-80 20-80 20-80 20-80 20-80
Platinum 750.000 600.000 20-80 20-80 20-80 20-80 20-80
Platinum+ 1.500.000 1.250.000 20-80 20-80 20-80 20-80 20-80
Withholding Rates 25% 25% 25% 25% 25%
* Opening Balance,  is the minimum balance that should be in the account in case of withdrawal of money within the maturity period.

Merging of Participation Accounts 

With  Merging of Participation Accounts, you can easily check your accounts.

Accounts of customers who have multiple Participation Accounts can be merged into a single participation account.
  • You can open a new participation account to merge your accounts.
  • You can also associate your accounts with your existing participation account.

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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