These are accounts of funds which allow for participation in profit or loss arising from operation of participation accounts without paying the account holder any pre-determined yield in exchange and without any guarantee for full repayment of the principal. Participation accounts can be opened in TL, EUR and USD. When the account is opened, the account holder is given a profit and loss participation passbook issued to the name.
You can open with our bank an “Active Account” for a minimum term of at least 1 year and in amounts of minimum TL 50,000 to maximum TL 200,000, depending on the amount of your savings and the interim periods your choose for profit share payments. Shared Active Account No. 85/15 is a participation account with interim period payments which can be opened for the options of 1-, 3-, 6-month interim payments and for annual profit share payments. Profit shares may be added to the principal or transferred to your special current account, as you require. So, you can invest your savings for a long term getting high yields for your account and regularly satisfy your seasonal requirements out of the profit share payments to be made at the periods you preferred. You can deposit additional amounts at the interim periods when your active account distributes profits and also make partial withdrawals at any time without breaking the term provided that the account balance does not fall below the lowest limit.
You can open an "Active Account" at our bank, with minimum 500,000 TL for a term of at least one year, and with such intermediate-period profit share payment terms as you may set. An Active Account is a participation account with intermediate period payments which can be opened with semiannual or annual profit share payments. Profit shares may be added to the principal or transferred to your personal current account, as you may require. So you can hold your savings on a long term while getting high yield for your account and regularly meeting periodical requirements out of your profit share payments made at periods preferred by you. You may deposit further money at intermediate periods when your Active Account makes profit distribution or make partial withdrawals any time without breaking the current term provided that the balance will not fall below the lowest limit.
You can open with our bank an “Active Account” for a minimum term of at least one year and in amounts of minimum TL 25,000 to maximum TL 75,000, depending on the amount of your savings and the interim periods you choose for profit share payments. Shared Active Account 80/20 is a participation account with interim period payments which can be opened for the options of 1-, 3-, 6-month interim payments and for annual profit share payments. Profit shares may be added to the principal or transferred to your personal current account, as you require. So, you can invest your savings for a long term getting high yields for your account and regularly satisfy your seasonal requirements out of the profit share payments to be made at the periods you preferred. You can deposit additional amounts at interim periods when your active account distributes profits and also make partial withdrawals at any time without breaking the term provided that the account balance does not fall below the lowest limit.
These accounts have a profit sharing basis and can be opened within the limits of term and amount ranges shown in the following table.
Click to view participation account limits.
Participation Account Limits
| TL | 30-44 Days | 45-91 Days | 92-182 Days | 183-365 Days |
| 250.00 - 99,999.99 | Turquoise | Turquoise | Pearl | Emerald |
| 100,000.00 - 499,999.99 | Turquoise | Pearl | Emerald | Ruby |
| 500,000.00 - 1,499,999.99 | Pearl | Emerald | Ruby | Diamond |
| 1,500,000.00 - ~ | Emerald | Ruby | Ruby | Diamond |
| USD | 30-44 Days | 45-91 Days | 92-182 Days | 183-365 Days |
| 250.00 - 499,999.99 | Turquoise | Turquoise | Pearl | Emerald |
| 500,000.00 - 2,999,999.99 | Turquoise | Pearl | Emerald | Ruby |
| 3,000,000.00 - ~ | Pearl | Emerald | Ruby | Ruby |
| EUR | 30-44 Days | 45-91 Days | 92-182 Days | 183-365 Days |
| 250.00 - 499,999.99 | Turquoise | Turquoise | Pearl | Emerald |
| 500,000.00 - 2,999,999.99 | Turquoise | Pearl | Emerald | Ruby |
| 3,000,000.00 - ~ | Pearl | Emerald | Ruby | Ruby |
Child Account
With a child account you will open for your child’s small savings today, you can make a great investment for his/her future and guarantee his/her future life.
Just visit our bank with your child’s identity card and yours and open a child account, with a starting amount of 250 TL/USD/EUR for a minimum term of one year, for the future your beloved offspring.
- No account maintenance fee shall be charged on any account opened as a child account.
- The account shall be opened as a participation account.
- The account shall be opened in the name of the child.
- The guardian shall be authorized to withdraw money from the account until the child reaches the legal age of adulthood.
- Under this account, for deposited amounts over 250 TL/USD/EUR, a participation account shall be opened in a pool (sharing percentage) one degree higher than the one set according to the normally applicable limits of participation accounts.
Various Maturity Alternatives
You can yield income in terms of 1 month, 3 months, 6 months, 1 year or longer than 1 year
Flexible Maturity Option
- You can open a Participation Account with Türkiye Finans, where you can decide on the term at your discretion, invest your savings to meet your nearest disbursement date, withdraw funds without invalidating the term and receive your profit share at the end of the term over the balance, thanks to the “Flexible Maturity” option.
- You can open a participation account with the “Flexible Maturity” (interim maturity) option offered by Türkiye Finans, with any term at your discretion between 30-365 days and plan the yield of your participation account by taking your cash flow into consideration.
- You can make all your emergency expenditures, such as health and education, which are unplanned for, through your account with flexible maturity and continue to invest your savings by receiving your profit share at the end of the term over the balance of your account.
You can benefit from the advantages provided by participation accounts with flexible maturity and standard maturity through our internet branch without visiting our branches.