Fırsat Account

Fırsat Account
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    Do not miss the investment opportunities in the market with TEB Fırsat Account!

    With the Fırsat Account, you can invest your savings in a daily manner, earn a Welcome Interest for the first month, take advantage of the currency movements by making conversions between the currencies and get additional interest for the balance you keep in your demand deposit account.

    Plus, a chance to earn an additional interest with hybrid packages, after the welcome interest period!

    Hybrid PackagesHybrid Package ContentAdditional Interest Rate
    Fırsat TL Additional Interest Package 1 Automatic Invoice Payment + TEB Bank Card 0.50%
    Fırsat TL Fund and Credit Card Additional Interest Package 
    1.500 units of TEB A.S. B-Type Cash Management Short Term Bonds and Bills Fund + Credit Card 0.50%
    Fırsat TL Fund and Automatic Payment Additional Interest Package
    1.500 units of TEB A.S. B-Type Cash Management Short Term Bonds and Bills Fund + 2 Automatic Invoice Payments
    0.50%

    Terms of Earning Additional Interest:                                          

    • Additional interest will become applicable by the introduction of the package through TEB Branches and fulfilling the package conditions.
    • In order to an additional interest be given, the customer should be an active customer and satisfy both the product ownership defined in the content of the package and the following “Package Agreement Applicability Conditions”.
    • If several packages are selected, the most favorable package for the customer will be applicable, and the additional interests of different packages cannot be combined.

    Package Agreement Applicability Conditions:

    • In order to met the Automatic Payment condition, there must be at least two valid invoice payment instructions being created in the last two months or if there are instructions created more than two months before up to the number entered into the system, the payment must have been made in the last month.
    • In order to met the fund condition, the fund type must be held up to the minimum units of fund prescribed in the content of the package.
    • The customer must have an active TEB Credit Card.
    • The customer must have an active TEB Bank Card.
    • Customers opening a Fırsat Account for the first time are offered a favorable Welcome Interest for the period of first 1 month.
    • Welcome Interest can be benefited for each account to be opened in different currencies for the first time.  
    • The minimum Fırsat Account opening balance is 100.000 TL/50.000 USD/40.000 EUR/30.000 GBP/1.000 GR and the interest payment is made up to the maximum amount of 750.000 TL and 500.000/USD/EUR/GBP and 5.000 GR.
    • Only our Retail customers can benefit from this account. A maximum of one account on each single currency (TL, EUR, USD, GBP and Gold) can be opened per customer and more than one account cannot be opened.
    • In case the customer wishing to open a Fırsat Account does not have a Demand Deposit Account, a Demand Deposit Account will be opened in the name of the customer by the Bank.
    • A regular savings instruction can be directed to the Fırsat Account from any Demand Deposit Account of the Customer with the same currency, but no savings can be made from the credit card.
    • No regular payment instruction can be given from the Fırsat Account.
    • Foreign currency buying and foreign currency selling transactions can be conducted in the account through TEB Branches.
    • No Account Maintenance Fee will be charged on the Fırsat Account-associated Demand Deposit Accounts which include only transfer transaction(s). Pursuant to the “Regulation on Principles and Procedures Related to the Fees to be Received from Financial Consumers”, an Account Maintenance Fee collection will be made from the Fırsat Account-associated Demand Deposit Accounts which are used for non-transfer related cash flow transaction(s) (such as money depositing, money remittances, invoice and credit card payments, etc.).
    • EFT and Money Transfer transactions made from the Fırsat Account are free of charge.
    • Amounts deposited to the account on working days before 17:00 are processed with the value date of that day, and the amounts deposited to the account after 17:00 are processed with the next day value.
    • An additional interest will be earned for the days in which a minimum 2.500 TL/1.500 USD/1.000 EUR/750 GBP/25 GR is held in the demand deposit account after the Welcome Campaign. The structure and the terms of earning additional interest are given below.

    Structure and Terms of Earning Additional Interest:

    • The balance of the Demand Deposit Account associated with the Fırsat Account will be checked at 23:00 every day; and in case the “Demand Deposit Account Balance Necessary for Giving Additional Interest to Fırsat Account” designated in the interest table is failed to be available in the Demand Deposit Account, a transfer will be made from the Fırsat Account to make up for the demand deposit account balance to the prescribed amount.
    • If, the balance of the Demand Deposit Account associated with the Fırsat Account does not fall below the amount of the “Demand Deposit Account Balance Necessary for Giving Additional Interest to Fırsat Account” between the hours of 00.00 - 06:00 after the transfer, the additional interest payment will be made. 
    TL Tutar AralığıTabela (Standart) Brüt Faizİlk Ay Sunulacak Brüt Tanışma FaiziFırsat Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 49.999 TL%0---
    50.000 - 97.499 TL%4---
    97.500 - 249.999 TL%8.25%11.252.500%0.25
    250.000 - 750.000 TL%8.75%11.252.500%0.25
    750.001 - 2.000.000 TL%7---
    2.000.001 TL ve üstü%0---
    USD Tutar AralığıTabela (Standart) Brüt Faizİlk Ay Sunulacak Brüt Tanışma FaiziFırsat Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 49.999 USD%0---
    50.000 - 500.000 USD%2.25%2.751.500%0.1
    500.001 - 2.000.000 USD%1---
    2.000.001 USD ve üstü%0---
    EUR Tutar AralığıTabela (Standart) Brüt Faizİlk Ay Sunulacak Brüt Tanışma FaiziFırsat Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 39.999 EUR%0---
    40.000 - 500.000 EUR%1.2%1.51.000%0.25
    500.001 - 2.000.000 EUR%.75---
    2.000.001 EUR ve üstü%0---
    GBP Tutar AralığıTabela (Standart) Brüt Faizİlk Ay Sunulacak Brüt Tanışma FaiziFırsat Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 29.999 GBP%0---
    30.000 - 500.000 GBP%2%2.5750%0.25
    500.001 - 2.000.000 GBP%1---
    2.000.001 GBP ve üstü%0---
    GR Tutar AralığıTabela (Standart) Brüt Faizİlk Ay Sunulacak Brüt Tanışma FaiziFırsat Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 999 GR%0---
    1.000 - 5.000 GR%1.5%1.725%0.2
    5.001 GR ve üstü%0---

    In Fırsat Account; the account shall accrue daily interest and the accrued interest shall be added to the account on a daily basis. Fırsat Account cannot be opened with a zero-balance. Fırsat Account can be opened with a minimum balance of 50.000-TL/USD/EURO. However, the account shall earn daily interest only when its balance is at or above 50.000-TL/USD/EURO. If the account balance falls at any time below 50.000-TL/USD/EURO, no interest shall accrue to the account.  Special interest rates shall be applied to Fırsat Account according to the amount intervals specified by the Bank; and the balance of Fırsat Account at the end of the day shall accrue interest based on the interest rate of the relevant interval. The upper limit is 500.000-TL/USD/EURO. If the account balance of the customer exceeds 500.000-TL/USD/EURO, no interest shall be applied to the account by the Bank.

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