Marifetli Account

Marifetli Account
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    Marifetli Account will change your savings habits!

    With the Marifetli Account, you may see how your savings in the overnight time deposit account grow day-by-day with special interest rates. You can execute your withdrawing and depositing transactions at any time you wish and can also conduct your EFT or money transfer transactions free of charge.

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

     

    Hybrid PackagesHybrid Package ContentAdditional Interest Rate
    Marifetli TL Additional Interest Package 1 Automatic Invoice Payment + TEB Bank Card 0.50%
    Marifetli TL Fund and Credit Card Additional Interest Package 750 units of TEB A.S. B-Type Cash Management Short Term Bonds and Bills Fund + Credit Card 0.50%
    Marifetli TL Fund and Automatic Payment Additional Interest Package 750 units of TEB A.S. B-Type Cash Management Short Term Bonds and Bills Fund + 2 Automatic Invoice Payments 0.50%

    Conditions of Earning Additional Interest:                                                      

    • Additional interest will become applicable by introduction of the package through TEB Branches and meeting the package conditions.
    • In order to give an additional interest, 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 provide the Automatic Payment condition, there must be at least two valid invoice payment instructions being created in 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 last month.
    • In order to provide the fund condition, the fund type up to the minimum units of fund specified in the content of the package must be held.
    • The customer must have an active TEB Credit Card.
    • The customer must have an active TEB Bank Card.
    • It runs as a daily term account and enables the capital and interest to be reinvested each day.
    • A favorable Welcome Interest is offered to the customers opening a Marifetli Account, for the first 3 months.
    • A Marifetli Account can be opened with a zero-balance. You can earn interest for your savings over 2.000 TL / 1.000 USD/EURO/GBP.
    • The customers can benefit from the Welcome Interest for each account they will open in different types of currencies.
    • The Welcome Interest can be applied for the amounts up to 200.000 TL, 50.000 USD, 40.000 EUR and 30.000 GBP.
    • Only our Retail customers can benefit from this account. A maximum of one account on each single currency (TL, EUR, USD, GBP) can be opened per customer and more than one account cannot be opened.
    • The Welcome Interest period starts from the account opening date irrespective of the amount.
    • In case the customer wishing to open a Marifetli Account does not have a Demand Deposit Account, a Demand Deposit Account opening will be made in the name of the customer by the Bank.
    • Money depositing and money withdrawal transactions to/from the account can be conducted in any frequency; the Marifetli Account cannot be accessed between the hours of 05:00-06:00 a.m. Except for these hours, the account is accessible all day long, and EFT (within EFT processing hours), virement or money transfer transactions and money withdrawing from the ATMs can be performed.
    • For the Marifetli Account, you will pay no account maintenance fee and you can also conduct your EFT and remittance transactions free of charge.
    • No Account Maintenance Fee will be charged on the Marifetli 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 Marifetli 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.).
    • You can open a Marifetli Account from teb.com.tr and all TEB Branches.
    • 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.
    • By giving a Regular Savings Instruction, you can make regular savings in your Marifetli Account.
    • An additional interest will be earned for the days in which the “Demand Deposit Account Balance Necessary for Giving Additional Interest to Marifetli Account” is held in the demand deposit account after the Welcome Campaign. The structure and the terms of earning additional interest are given below.
    • 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 Marifetli Account will be checked every day at 23:00; and in case the “Demand Deposit Account Balance Necessary for Giving Additional Interest to Marifetli Account” designated in the interest table is failed to be available in the Demand Deposit Account, a transfer will be made from the Marifetli Account to perfect the demand deposit account balance to the prescribed amount.
    • If, the balance of the Marifetli Account decreases below 2.000 TL /1.000 USD /1.000 EUR/ 1.000 GBP associated with the transfer made to the Demand Deposit Account, no transfer will be made.
    • In case, the balance of the Demand Deposit Account associated with the Marifetli Account does not fall below the amount of the “Demand Deposit Account Balance Necessary for Giving Additional Interest to Marifetli Account” between the hours of 00.00 - 06:00 after making the transfer, additional interest payment will be made.

    As of 03 June 2017, the condition regarding free money transfer and EFT from Marifetli Accounts; either for Turkish and foreign currency, will be valid for the customers who have the necessary minimum amount for the interest income and have earned interest at least for two days.

    TL Tutar AralığıTabela (Standart) Brüt Faizİlk 3 Ay Sunulacak Brüt Tanışma FaiziMarifetli Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 99 TL%0---
    100 - 1.999 TL%0---
    2.000 - 49.999 TL%8%141.500%0.25
    50.000 - 100.000 TL%8.5%142.500%0.25
    100.001 - 200.000 TL%8.5%143.500%0.25
    200.001 - 500.000 TL%4---
    500.001 TL ve üstü%0---
    USD Tutar AralığıTabela (Standart) Brüt Faizİlk 3 Ay Sunulacak Brüt Tanışma FaiziMarifetli Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 99 USD%0---
    100 - 249 USD%0---
    250 - 999 USD%0---
    1.000 - 25.000 USD%2.25%2.75500%0.1
    25.001 - 50.000 USD%2.25%2.751.000%0.1
    50.001 - 500.000 USD%1---
    500.001 USD ve üstü%0---
    EUR Tutar AralığıTabela (Standart) Brüt Faizİlk 3 Ay Sunulacak Brüt Tanışma FaiziMarifetli Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 99 EUR%0---
    100 - 249 EUR%0---
    250 - 999 EUR%0---
    1.000 - 25.000 EUR%1.2%1.5400%0.25
    25.001 - 40.000 EUR%1.2%1.5750%0.25
    40.001 - 500.000 EUR%1---
    500.001 EUR ve üstü%0---
    GBP Tutar AralığıTabela (Standart) Brüt Faizİlk 3 Ay Sunulacak Brüt Tanışma FaiziMarifetli Hesap'a Ek Faiz Verilebilmesi İçin Gerekli Vadesiz Mevduat BakiyesiEk Brüt Faiz
    0 - 99 GBP%0---
    100 - 249 GBP%0---
    250 - 999 GBP%0---
    1.000 - 15.000 GBP%2%2.5300%0.25
    15.001 - 30.000 GBP%2%2.5500%0.25
    30.001 - 500.000 GBP%1---
    500.001 GBP ve üstü%0---
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