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 100.000 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.
    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%11.251.000%0.25
    50.000 - 100.000 TL%8.5%11.252.000%0.25
    100.001 - 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 - 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 - 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 - 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---

    Application via teb.com.tr

    You can make your application by clicking the “Apply Now” button and filling out the required fields.

    Agreement and Application Form

    Your Individual Customer Service Agreement and Marifetli Account Application Form will be delivered to your address via courier.

    Central Operation

    After completing the controls of your Individual Customer Service Agreement and Marifetli Account Application Form, your Marifetli TL Account will be opened.

    Account Opening Notification

    Information about the opening of your Marifetli TL Account will be sent to your mobile phone via SMS together with your Marifetli Account IBAN.

     

    1. What is Ingenious Account?

    It is a savings account which gives you money depositing and money withdrawing flexibility, operates daily and enables to save money. It can be opened in TL, USD and EURO, GBP currencies.

    2. How can I apply?

    If you are a TEB customer; you can make an application from TEB Internet Branch, all TEB Branches and 0850 200 0 666 TEB Phone Branch. If you are not a TEB customer; you can make your application by filling out an application form on teb.com.tr; sending SMS message by typing “INGENIOUS” space Your Turkish National Identification Number; or from all TEB Branches.

    3. Can I open an Ingenious Account without going to the branch?

    Yes. You can open without going to the branch and make an application from TEB Internet Branch and 0850 200 0 666 TEB Phone Branch.

    4. Who can open an Ingenious Account?

    Retail customers can open an Ingenious Account. an Ingenious Account cannot be opened for commercial businesses.

    5. What is the minimum amount for opening an Ingenious Account?

    There is no minimum limit for the account opening. Interest is accured on accounts with 1.000 TL/USD/EURO/GBP and higher amounts.

    6. Which menu steps should I take to make regular savings on TEB Internet Branch?

    You can start saving by giving a regular transfer instruction on your Ingenious Account by taking Money Tranfer – Give Regular Payment Instruction – Remittance Order steps in theTEB Internet Branch menu.

    7. Should I need to sign an agreement?

    If you are not a TEB customer, you should sign the Customer Service Agreement and the Ingenious Account Agreement; and if you are a TEB customer, you should sign only the Ingenious Account Agreement.

    8. Are there any fees and commissions for my account?

    No maintenance fee and EFT/remittance fees are applied for the Ingenious Account.

    9. How the interest is earned on the Ingenious Account?

    Interest is earned on daily basis and accrued each day on the principal together with the interest.

    10. What are the interest rates applied on the Ingenious Account?

    A special interest rate will be applied on the Ingenious Account you will open. The interest rates vary depending on the amount.

    11. What is Loyalty Reward Interest?

    If you have an average balance of 25.000 TL, 5.000 USD/EURO/GBP for a period of 6 months, then you can get an additional Loyalty Reward Interest. The Loyalty Reward Interest rate for each 180 days is 0,10% in TL, and 0,05% in USD, EURO and GBP. The reward interest given collectively will be divided to 5 and credited to the account on the 181st, 182nd, 183rd, 184th and 185th days. The Loyalty Reward Interest is applied to the amount of maximum 50.000 TL, 20.000 USD ve 15.000 EUR/GBP.

    12. How Loyalty Reward Interest is calculated?

    1If you maintain an average daily balance of TL 25.000 for a period of 180 days;

    • Standard Ingenious Account Interest applied on the customer account on181st, 182nd, 183rd, 184th & 185th days: %8
    • Interest earned as Loyalty Reward Interest (total interest to be given for 3 day): %0,10*180= %18
    • Additional Interest Rate applied for each of 181st, 182nd, 183rd, 184th & 185th days: %18 / 5 =%3,6
    • Standard+ Loyalty Reward Interest rate applied for each of 181st, 182nd, 183rd, 184th & 185th days: % 8 + %3,60 =%11,60
    13. May I open a joint Ingenious Account?

    Yes. You can open your Ingenious Account as a joint account only from our Branches.

    14. How and when can I deposit money to the account?

    You can deposit money to your Ingenious Account anytime and as often as you want. If you deposit money before 17:00 on working days, you start earning interest with the sama day value. You can conduct your money depositing transactions from all TEB Branches and ATMs.

    15. Can I withdraw money from the account if I need cash?

    When you need cash, you can withdraw money from your account during the day as often as you want. You can conduct your money withdrawal transactions from all TEB Branches and ATMs. You can conduct EFT (within EFT processing hours), virement or money transfer transactions from the Ingenious Account all day long except on 5:00a.m.-6:00a.m. and you may withdraw cash from the ATMs.

    16. Can I open more than one Ingenious Account?

    You can open one Ingenious Account in each currency.

    17. What currencies can I open an Ingenious Account in?

    You can open your Ingenious Account in TL, USD or EURO,GBP.

    18. Which daily banking transactions can I conduct from my Ingenious Account?

    You can conduct your money depositing or money withdrawal transactions from/to your account from all TEB Branches and ATMs; and you conduct your EFT/remittance transactions from TEB Branches, ATMs, TEB Internet Branch and 0850 200 0 666 TEB Phone Branch. On the other hand, invoice and regular payment transactions cannot be carried out through this account.

    19. Can I access to my Ingenious Account anytime I want?

    You can easily access to your account from all ATMs, TEB Internet Branch and 0850 200 0 666 TEB Phone Branch 7 days a week 24 hours a day; and from all TEB Branches on the week days during business hours. You can conduct EFT (within EFT processing hours), virement or money transfer transactions from the Ingenious Account all day long except on 5:00a.m.-6:00a.m. and you may withdraw cash from the ATMs.

    20. Can I close my Ingenious Account whenever I want?

    Yes. You can close your account whenever you want.

    21. What happens if I withdraw all of my money in the account? Is it automatically closed?

    No. Your account is not closed even if you withdraw all of your money. When you deposit money again to your Ingenious Account, you start earning interest for the amounts of 1.000 TL/USD/EURO/GBP and above.

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