Daily Account

With the Daily Account, Withdrawals Are No Problem! Keep earning without breaking your term, even if you withdraw money from your account.

What Is the Daily Account?

The Daily Account is a savings product that allows our customers to grow their savings every day, enabling them to feel the benefits of their financial gains in real time.

It is an account type that combines the ease of use of a checking account with the returns of a participation account, can be opened in Turkish Lira (TRY), and generates daily profit shares. Profit shares are calculated based on the amount you transfer to your Daily Account, and the balance remaining in your checking account is not included in the profit share calculation.

What Are the Features of the Daily Account?

The Daily Account consists of two sub-accounts named “Daily Participation” and “Daily Current.”
When opening a Daily Account, the “Daily Current” account is automatically opened.
Customers who join us on or after December 8, 2025, will benefit from the “Welcome Rate” of 99/1 for 45 days. After 45 days, the account transitions to the current standard rate based on the balance.
The “Welcome Rate” applies to balances between 10,000 TRY and 10,000,000 TRY.
Customers who benefit from the “Welcome Rate” will not be eligible for the campaign again if they close their Daily Account before the period expires. The absence of a balance in the account should not be interpreted as the account being closed.
For our existing customers:
An 85/15 profit-sharing ratio for balances up to 100,000 TRY,
A 90/10 profit-sharing ratio for balances between 100,000 TRY and 10,000,000 TRY,
and balances exceeding 10,000,000 TRY fall under the “over-limit” category and will benefit from the standard 80/20 pool.
When the current account balance decreases, funds are automatically transferred from the participation account to the current account. If there is an excess balance in the current account, the excess amount is automatically transferred back to the participation account. All these transactions are automatically processed by the system at times determined by the bank.
If the total balance of the Daily Account falls below the specified minimum amount, no profit distribution is made for that day, and the current balance in the participation account is transferred to the current account.
To earn returns in the Daily Account, the total balance must be at least 10,000 TRY.
The Daily Account can be opened on business days until 4:30 PM. A value date applies to accounts opened after 4:30 PM and to balances deposited into these accounts on the same day.
Balance transfers to existing Daily Accounts cannot be made after 4:30 PM, on weekends, or on public holidays.
You can use the special checking account linked to your Daily Account for all your banking transactions.
The Daily Account can be opened in Turkish Lira (TRY).
All our customers can access the Daily Account through our branches and mobile banking.
Only one Daily Account can be opened per currency,
The Daily Current Account cannot be closed unless the Daily Participation Account is closed first.
The withholding tax rate applied to the account is 17.5%.

What Are the Daily Account Profit-Sharing Rates?

Welcome Period	Welcome Profit-Sharing Rate	Balance Range	Current Amount	Standard Rate
45 Days	99/1	10.000-25.000 TL	5,000	85/15
		25.001-50.000 TL	7,500
		50.001 -100.000 TL	10,000
		100.001-250.000 TL	25,000	90/10
		250.001-500.000 TL	50,000
		500.001-1.000.000 TL	100,000
		1.000.001-2.000.000	200,000
		2.000.001-3.000.000	300,000
		3.000.001-4.000.000	400,000
		4.000.001-5.000.000	500,000
		5.000.001 - 10.000.000 TL	750,000
-	-	10.000.001 TL- 100.000.000 TL	2,000,000	90/10

All our customers can benefit from the Daily Account.

The Daily Account can be opened in Turkish Lira.

If the required balance is maintained in the participation account and current account, a daily profit share is earned.

Accounts can be opened at our Vakıf Katılım branches and through our digital channels.

The income earned from the Daily Account is added to the account balance. Thus, as long as the balance in the Daily Account is not spent, savings can be accumulated.

The Daily Account is a type of account that generates daily profit. By adding the daily profit to your principal, you can grow your money every day, withdraw funds from the account whenever you wish without waiting for a maturity date, and deposit funds into the account whenever you wish.

You can close the account via the mobile application and our branches after the Daily Participation balance has been reduced to zero.