Bank rate sheets32 days · TRY 100,00015 banks

Time Deposit Rates

The annual gross rate banks pay on Turkish lira time deposits. Below are bank rates by term and amount, a tool to find the highest rate and an interest calculator.

40.05%

Highest: 44.00% · Alternatifbank
Policy rate: 37.00%
Annual CPI: 31.49%

The average annual gross rate 15 banks pay on a 32-day TRY 100,000 deposit is 40.05%; the highest is 44.00% at Alternatifbank.

The CBRT policy rate is 37.00%.

With annual inflation at 31.49%, the average deposit rate is 8.56 pp above inflation.

Find the bank with the highest rate

Deposit interest calculator

Highest rates by term (TRY)


Fibabanka	1–60 days	4,000,000–4,999,999	44.00%
Anadolubank	1–90 days	3,000,000–3,999,999	44.00%
Anadolubank	1–90 days	4,000,000–4,999,999	44.00%
Anadolubank	1–90 days	5,000,000–6,999,999	44.00%
Anadolubank	1–90 days	7,000,000–8,499,999	44.00%
Anadolubank	1–90 days	8,500,000–9,999,999	44.00%
Anadolubank	1–90 days	10,000,000–14,999,999	44.00%
Anadolubank	1–90 days	15,000,000–17,999,999	44.00%
Anadolubank	1–90 days	18,000,000–20,000,000	44.00%
Fibabanka	1–60 days	7,500,000–10,000,000	44.00%
Fibabanka	1–60 days	5,000,000–7,499,999	44.00%
Anadolubank	1–90 days	2,000,000–2,999,999	44.00%
Fibabanka	1–60 days	3,000,000–3,999,999	44.00%
Fibabanka	1–60 days	2,000,000–2,999,999	44.00%
Fibabanka	1–60 days	10,000–24,999	44.00%
Fibabanka	1–60 days	25,000–49,999	44.00%
Fibabanka	1–60 days	50,000–99,999	44.00%
Fibabanka	1–60 days	100,000–249,999	44.00%
Fibabanka	1–60 days	250,000–499,999	44.00%
Fibabanka	1–60 days	500,000–999,999	44.00%
Fibabanka	1–60 days	1,000,000–1,999,999	44.00%
Anadolubank	1–90 days	1,000,000–1,999,999	44.00%
Anadolubank	1–90 days	500,000–999,999	44.00%
Anadolubank	1–90 days	250,000–499,999	44.00%
Anadolubank	1–90 days	100,000–249,999	44.00%
Anadolubank	1–90 days	50,000–99,999	44.00%
Anadolubank	1–90 days	1,000–49,999	44.00%
Alternatifbank	1–45 days	20,000–1,000,000	44.00%
Alternatifbank	1–45 days	2,000,001–5,000,000	43.00%
Alternatifbank	1–45 days	1,000,001–2,000,000	43.00%
Alternatifbank	1–45 days	5,000,001–10,000,000	43.00%
Alternatifbank	1–45 days	10,000,001–15,000,000	43.00%
ON Dijital	1–1,100 days	10,500–499,999	42.50%
ON Dijital	1–1,100 days	500,000–999,999	42.50%
ON Dijital	1–1,100 days	1,000,000–2,499,999	42.50%
ON Dijital	1–1,100 days	2,500,000–3,999,999	42.50%
ON Dijital	1–1,100 days	4,000,000–5,000,000	42.50%
TEB	1–32 days	2,000–10,000,000	42.00%
Odeabank	1–100 days	7,500–22,000,000	42.00%
Odeabank	1–100 days	10,000–22,000,000	42.00%
QNB Finansbank	1–45 days	7,500–9,999,999	42.00%
DenizBank	1–90 days	10,000–999,999	42.00%
CEPTETEB	1–32 days	2,000–10,000,000	42.00%
Alternatifbank	1–45 days	15,000,001–100,000,000	41.50%
DenizBank	1–90 days	1,000,000–20,000,000	41.00%
GetirFinans	1–300 days	2,500–4,500,000	41.00%
HSBC	1–45 days	2,000,000–5,000,000	41.00%
DenizBank	31–45 days	5,000–20,000,000	39.00%
Akbank	1–360 days	10,000–10,000,000	38.00%
Halkbank	28–31 days	5,000,001–10,000,000	36.00%
Halkbank	28–31 days	1,000,001–5,000,000	36.00%
Halkbank	28–31 days	250,001–1,000,000	35.00%
Halkbank	18–27 days	5,000,001–10,000,000	35.00%
Halkbank	18–27 days	1,000,001–5,000,000	35.00%
Halkbank	7–17 days	1,000,001–5,000,000	34.00%
Halkbank	7–17 days	5,000,001–10,000,000	34.00%
Halkbank	18–27 days	250,001–1,000,000	34.00%
Halkbank	1–6 days	1,000,001–5,000,000	33.00%
Halkbank	7–17 days	250,001–1,000,000	33.00%
Halkbank	1–6 days	5,000,001–10,000,000	33.00%
Türkiye İş Bankası	28–31 days	1,000,001–10,000,000	32.00%
Halkbank	28–31 days	25,001–250,000	32.00%
Türkiye İş Bankası	28–31 days	10,000,001–100,000,000	32.00%
Türkiye İş Bankası	28–31 days	500,001–1,000,000	32.00%
Türkiye İş Bankası	28–31 days	250,001–500,000	32.00%
Halkbank	1–6 days	250,001–1,000,000	32.00%
Türkiye İş Bankası	28–31 days	100,001–250,000	31.00%
Türkiye İş Bankası	28–31 days	5,000–100,000	31.00%
Halkbank	18–27 days	25,001–250,000	31.00%
Halkbank	7–17 days	25,001–250,000	30.00%
GetirFinans	1–300 days	4,500,001–5,500,001	30.00%
Enpara	31–32 days	1,000–149,999	29.75%
Halkbank	1–6 days	25,001–250,000	29.00%
QNB Finansbank	1–45 days	10,000,000–29,999,999	27.25%
Akbank	28–31 days	250,000–499,999	24.00%
Akbank	28–31 days	500,000–10,000,000	24.00%
Akbank	28–31 days	100,000–249,999	23.00%
Akbank	28–31 days	10,000–99,999	23.00%
ON Dijital	14–31 days	500–10,000,000	14.00%
ON Dijital	7–13 days	500–10,000,000	13.00%
ON Dijital	1–6 days	500–10,000,000	12.00%
Akbank	28–31 days	1,000–9,999	12.00%
Akbank	7–27 days	500,000–10,000,000	2.00%
Akbank	7–27 days	250,000–499,999	2.00%

Highest rates by amount (TRY)


Alternatifbank	1–45 days	20,000–1,000,000	44.00%
Anadolubank	1–90 days	1,000–49,999	44.00%
Anadolubank	1–90 days	50,000–99,999	44.00%
Anadolubank	1–90 days	100,000–249,999	44.00%
Fibabanka	1–60 days	10,000–24,999	44.00%
Fibabanka	1–60 days	25,000–49,999	44.00%
Fibabanka	1–60 days	50,000–99,999	44.00%
Fibabanka	1–60 days	100,000–249,999	44.00%
ON Dijital	1–1,100 days	10,500–499,999	42.50%
CEPTETEB	1–32 days	2,000–10,000,000	42.00%
DenizBank	1–90 days	10,000–999,999	42.00%
Odeabank	1–100 days	7,500–22,000,000	42.00%
Odeabank	1–100 days	10,000–22,000,000	42.00%
QNB Finansbank	1–45 days	7,500–9,999,999	42.00%
TEB	1–32 days	2,000–10,000,000	42.00%
GetirFinans	1–300 days	2,500–4,500,000	41.00%
Akbank	32–40 days	10,000–99,999	39.00%
Akbank	32–40 days	100,000–249,999	39.00%
Akbank	92–95 days	10,000–99,999	39.00%
Akbank	92–95 days	100,000–249,999	39.00%
DenizBank	31–45 days	5,000–20,000,000	39.00%
DenizBank	372–410 days	5,000–20,000,000	39.00%
DenizBank	92–95 days	5,000–20,000,000	38.75%
DenizBank	91–365 days	10,000–20,000,000	38.50%
DenizBank	274–371 days	5,000–20,000,000	38.50%
QNB Finansbank	32–35 days	5,000–4,999,999	38.50%
QNB Finansbank	36–45 days	5,000–4,999,999	38.50%
QNB Finansbank	92–120 days	5,000–10,000,000	38.50%
QNB Finansbank	46–60 days	5,000–10,000,000	38.25%
QNB Finansbank	46–91 days	100,000–2,499,999	38.25%
QNB Finansbank	61–91 days	5,000–10,000,000	38.25%
Akbank	1–360 days	10,000–10,000,000	38.00%
DenizBank	96–273 days	5,000–20,000,000	38.00%
Garanti BBVA	32–45 days	25,000–99,999	38.00%
Garanti BBVA	32–45 days	100,000–299,999	38.00%
Garanti BBVA	92–100 days	25,000–99,999	38.00%
Garanti BBVA	92–100 days	100,000–299,999	38.00%
DenizBank	46–91 days	5,000–20,000,000	37.50%
Odeabank	32–45 days	10,000–25,000,000	37.50%
Odeabank	46–61 days	10,000–25,000,000	37.50%
ON Dijital	32–91 days	500–1,000,000	37.50%
QNB Finansbank	46–91 days	7,500–99,999	37.50%
GetirFinans	32–45 days	2,500–249,999	37.00%
Odeabank	62–91 days	10,000–25,000,000	36.75%
Garanti BBVA	46–60 days	25,000–99,999	36.50%
Garanti BBVA	46–60 days	100,000–299,999	36.50%
Garanti BBVA	61–75 days	25,000–99,999	36.50%
Garanti BBVA	61–75 days	100,000–299,999	36.50%
Garanti BBVA	101–180 days	100,000–299,999	36.50%
Türkiye İş Bankası	32–35 days	5,000–100,000	36.50%
Odeabank	92–180 days	10,000–25,000,000	36.50%
Türkiye İş Bankası	36–45 days	5,000–100,000	36.25%
Anadolubank	91–1,000 days	1,000–49,999	36.00%
Anadolubank	91–1,000 days	50,000–99,999	36.00%
Anadolubank	91–1,000 days	100,000–249,999	36.00%
Fibabanka	61–1,000 days	10,000–24,999	36.00%
Fibabanka	61–1,000 days	25,000–49,999	36.00%
Fibabanka	61–1,000 days	50,000–99,999	36.00%
Fibabanka	61–1,000 days	100,000–249,999	36.00%
Garanti BBVA	76–91 days	25,000–99,999	36.00%
Garanti BBVA	76–91 days	100,000–299,999	36.00%
Garanti BBVA	101–180 days	25,000–99,999	36.00%
GetirFinans	46–91 days	2,500–249,999	36.00%
Türkiye İş Bankası	92–100 days	5,000–100,000	36.00%
ON Dijital	92–120 days	500–1,000,000	36.00%
Odeabank	181–365 days	10,000–25,000,000	35.50%
Odeabank	366–370 days	10,000–25,000,000	35.50%
QNB Finansbank	92–120 days	100,000–499,999	35.25%
Türkiye İş Bankası	46–91 days	5,000–100,000	35.00%
ON Dijital	121–180 days	500–1,000,000	35.00%
QNB Finansbank	92–120 days	50,000–99,999	34.75%
QNB Finansbank	121–150 days	100,000–499,999	34.25%
Alternatifbank	46–365 days	20,000–1,000,000	34.00%
GetirFinans	92–120 days	2,500–249,999	34.00%
QNB Finansbank	92–120 days	7,500–49,999	33.75%
Garanti BBVA	274–365 days	100,000–299,999	33.50%
Garanti BBVA	274–365 days	25,000–99,999	33.00%
Garanti BBVA	181–200 days	100,000–299,999	32.50%
Garanti BBVA	201–273 days	100,000–299,999	32.50%
Türkiye İş Bankası	101–182 days	5,000–100,000	32.50%
QNB Finansbank	151–364 days	100,000–499,999	32.25%
Garanti BBVA	181–200 days	25,000–99,999	32.00%
Garanti BBVA	201–273 days	25,000–99,999	32.00%
Halkbank	28–31 days	25,001–250,000	32.00%
Halkbank	32–40 days	25,001–250,000	32.00%
ON Dijital	181–273 days	500–1,000,000	32.00%
QNB Finansbank	121–150 days	50,000–99,999	31.75%
CEPTETEB	33–360 days	100,000–299,999	31.50%
Halkbank	41–65 days	25,001–250,000	31.50%
TEB	33–360 days	100,000–299,999	31.50%
Garanti BBVA	366–400 days	100,000–299,999	31.00%
GetirFinans	121–182 days	2,500–499,999	31.00%
Halkbank	18–27 days	25,001–250,000	31.00%
Halkbank	92–107 days	25,001–250,000	31.00%
Türkiye İş Bankası	28–31 days	5,000–100,000	31.00%
ON Dijital	274–364 days	500–2,500,000	31.00%
QNB Finansbank	121–150 days	7,500–49,999	30.75%
Garanti BBVA	366–400 days	25,000–99,999	30.50%
Halkbank	66–91 days	25,001–250,000	30.50%
QNB Finansbank	151–364 days	50,000–99,999	30.50%
Halkbank	7–17 days	25,001–250,000	30.00%
Enpara	31–32 days	1,000–149,999	29.75%
Halkbank	1–6 days	25,001–250,000	29.00%
Halkbank	108–138 days	25,001–250,000	29.00%
Türkiye İş Bankası	183–364 days	5,000–100,000	29.00%
Enpara	46–46 days	1,000–149,999	28.75%
Türkiye İş Bankası	365–366 days	5,000–100,000	28.50%
QNB Finansbank	151–364 days	7,500–49,999	28.50%
Halkbank	139–180 days	25,001–250,000	28.00%
Enpara	92–92 days	1,000–149,999	26.75%
Akbank	41–60 days	10,000–99,999	26.00%
Akbank	41–60 days	100,000–249,999	26.00%
Akbank	61–91 days	10,000–99,999	26.00%
Akbank	61–91 days	100,000–249,999	26.00%
Akbank	96–180 days	10,000–99,999	26.00%
Akbank	96–180 days	100,000–249,999	26.00%
Halkbank	181–230 days	25,001–250,000	26.00%
Akbank	181–184 days	10,000–99,999	25.00%
Akbank	181–184 days	100,000–249,999	25.00%
Akbank	185–365 days	10,000–99,999	25.00%
Akbank	185–365 days	100,000–249,999	25.00%
Akbank	366–400 days	10,000–99,999	25.00%
Akbank	366–400 days	100,000–249,999	25.00%
Halkbank	231–291 days	25,001–250,000	24.00%
Enpara	181–181 days	1,000–149,999	23.75%
Akbank	28–31 days	10,000–99,999	23.00%
Akbank	28–31 days	100,000–249,999	23.00%
Halkbank	292–364 days	25,001–250,000	23.00%
CEPTETEB	33–360 days	50,000–99,999	22.50%
TEB	33–360 days	50,000–99,999	22.50%
Halkbank	365–999 days	25,001–250,000	20.00%
Akbank	32–40 days	1,000–9,999	15.00%
Akbank	41–60 days	1,000–9,999	15.00%
Akbank	61–91 days	1,000–9,999	15.00%
Akbank	92–95 days	1,000–9,999	15.00%
Akbank	96–180 days	1,000–9,999	15.00%
Akbank	181–184 days	1,000–9,999	15.00%
Akbank	185–365 days	1,000–9,999	15.00%
Akbank	366–400 days	1,000–9,999	15.00%
ON Dijital	14–31 days	500–10,000,000	14.00%
ON Dijital	7–13 days	500–10,000,000	13.00%
CEPTETEB	33–360 days	2,000–49,999	12.50%
TEB	33–360 days	2,000–49,999	12.50%
Akbank	28–31 days	1,000–9,999	12.00%
ON Dijital	1–6 days	500–10,000,000	12.00%
ON Dijital	365–370 days	500–10,000,000	10.00%

Related indicators

Real return

Annual CPI: 31.49%
Policy rate: 37.00%
Real policy rate (rate − CPI): 5.51 pp
Average deposit rate (32 days): 40.05%
Real deposit rate (rate − CPI): 8.56 pp

About time deposit rates

Rates are the annual gross rates banks publish for Turkish lira time deposits and vary by amount and term. Deduct withholding tax for the net return and compare with annual inflation for the real return. Promotional and new-customer rates depend on each bank’s terms.

Frequently asked questions

Which bank pays the highest deposit rate?

For a 32-day TRY 100,000 deposit the highest annual gross rate is 44.00% at Alternatifbank. Rates vary by amount and term; pick your own in the tables.

How is the net return on a deposit calculated?

Gross interest = amount × annual rate × days / 36,500. Deducting withholding tax gives net interest, paid together with the principal at maturity.

Does a deposit protect against inflation?

The real return on a deposit is (1 + net rate) / (1 + inflation) − 1. If the net rate falls short of annual inflation, purchasing power shrinks, so the rate should be read together with annual CPI.

How does the policy rate affect deposit rates?

Banks set deposit rates largely off the CBRT policy rate; hikes lift deposit rates and cuts lower them.