• 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 30 days.
• Marifetli Account can be opened with a zero-balance. You can earn interest for your savings over 2.000 TL / 20.000 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 1.500.000 TL, 500.000 USD/EUR/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 04:00-05:00 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.
• In order to be able to earn additional interest for TRY Marifetli accounts after welcome campaign period, in addition to the requirement to keep the required demand deposit balance, it will be mandatory to purchase 25.000 shares of TEB Asset Management Money Market Fund from TRY Marifetli Accounts. In return for the purchase of 10.000 shares of funds, an additional interest of 0.50 % will be given over the standard interest rate. (interest rate after the Welcome Campaign period)
• Additional interest can only be earned after welcome campaign period. An additional interest of  0.50 % to be given in exchange for 25.000 shares of TEB Asset Management Money Market Fund is only valid for our customers who earn standard interest in after welcome campaign period, but not for the customers who earn  welcome interest and are within the welcome period.
• In order to earn additional interest with automatic fund purchase, our customers must approve/sign the ‘’Investment Services and Activities Agreement" and "Pre-Contract Risk Document Sıgnature Notification Form" via CEPTETEB Mobile Banking/CEBTETEB Internet Branch or TEB Branches.
• An account will be opened at the Central Securities Depository of Turkey (MKK) due to fund purchasig process. If the account to be traded does not have any MKK number, the MKK account will be opened after 1 business day, and the additional interest will be earned after the MKK account is opened. For detailed information about MKK Commission tariff and Implementation Principles, you can visit https://www.teb.com.tr/merkezi-kayit-kurulusu/.
• CMB Statement will be prepared monthly due to fund purchasing from TRY Marifetli Account. You can change your CMB Statement sending preference from our branches, via CEPTETEB Mobile Application and CEPTETEB Internet Banking. If your CMB Statement sending preference is Digital, you can view your statement free of charge via CEPTETEB Mobile Application and CEPTETEB Internet Banking. If your CMB Statement preference is to receive it by mail, the current statement fee will be charged to your account. For detailed information; You can visit https://www.teb.com.tr/UPLOAD/PDF/2022/29092022-tburunbilgilendirme-ing.pdf
• 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 22:00; 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.
• 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 15.04.2024, required Demand Deposit Account balance to give additional interest to Marifetli Accounts will be updated. As of 15.04.2024, the balance of the Demand Deposit Accounts linked to Marifetli Accounts shall be min. 15.000 TL, for the Marifetli Accounts between 100.000 TL-249.999 TL, min. 30.000 TL, for the Marifetli Accounts between 250.000 TL-499.999 TL, min 50.000 TL, for the Marifetli Accounts between 500.000 TL-749.999 TL, min 50.000 TL, for the Marifetli Accounts between 750.000-1.000.000 TL and min. 75.000 TL for the Marifetli Accounts between 1.000.001 TL-1.500.000 TL

As of 24.01.2024, the welcome period for TL Marifetli Accounts to be opened for the first time will be 30 days.For foreign currency accounts, the welcome period remains unchanged at 30 days.

The Highest Amount Change Of TRY Marifetli Account

As of 06.11.2023, for TL Marifetli Accounts to be opened , the highest amount to get the Welcome Interest will be increased from TL 1,000,000 to TL 1,500,000. In order for TL Marifetli Accounts to be given additional interest to the standard rate during the after-welcome period, the demand deposit balance must be at least TL 35,000 for accounts with a balance between TL 1,000,001 - TL 1,500,000. Also, 10,000 shares of TEB Portföy Money Market Fund will be automatically purchased from TL Marifetli Accounts with a balance between TL 1,000,001 - TL 1,500,000.

Regarding Account Opening Amount Change in Foreign Currency Marifetli Accounts;

As of 06.09.2023, the welcome period for TL Marifetli Accounts to be opened for the first time will be 90 days. For foreign currency accounts, the welcome period remains unchanged at 30 days.

As of 07.08.2023, the account lower limit amount in Foreign Currency (Currency) Marifetli Accounts will be updated as 20,000 USD/EUR/GBP.

As of 21.06.2023, required Demand Deposit Account balance to give additional interest to Marifetli Accounts will be updated. As of 21.06.2023, the balance of the Demand Deposit Accounts linked to Marifetli Accounts shall be min. 7.000 TL for the Marifetli Accounts between 2.000 TL-49.999 TL, min. 5.000 TL for the Marifetli Accounts between 50.000 TL-99.999 TL, min. 7.500 TL for the Marifetli Accounts between 100.000 TL-249.999 TL,  min. 12.500 TL for the Marifetli Accounts between 250.000 TL-749.999 TL and min 17.500 TL for the Marifetli Accounts between 750.000 TL-1.000.000 TL. and min 25.000 TL

As of 21.06.2023 , The balance of the Demand Deposit Account linked to the Marifetli Hesap shall be checked on each day at 22:00; and in case the Demand Deposit Account fails to have the minimum balance specified above , transfer shall be made from the Marifetli Hesap to top-up the balance of the demand deposit account to the specified amount.

Change in Terms and Conditions of TRY Marifetli Accounts:

As of 09.10.2022, TRY Marifetli Account terms of use will be updated. In order to be able to earn additional interest for the after welcome campaign period, in addition to the requirement to keep the required demand deposit balance, it will be mandatory to purchase 10.000 shares of TEB Portfolio Money Market Fund from TRY Marifetli Accounts. In return for the purchase of 10.000 shares of funds, an additional interest of 0.50 % will be given over the standard interest rate. (interest rate after the Welcome Campaign period)

Additional interest can only be earned in after welcome campaign period. An additional interest of  0.50 % to be given in exchange for 10.000 shares of TEB Portfolio Money Market Fund is only valid for our customers who earn standard interest in after welcome campaign period, but not for the customers who earn  welcome interest and are within the welcome period. 

In order to earn additional interest with automatic fund purchase, our customers must approve/sign the ‘’Investment Services and Activities Agreement" and "Pre-Contract Risk Document Sıgnature Notification Form" via CEPTETEB Mobile Banking/CEBTETEB Internet Branch or TEB Branches. 

Our customers who do not approve/sign the "Investment Services and Activities Agreement" and "Pre-Contract Risk Document Sıgnature Notification Form" will not be able to benefit from an additional interest of 0.50 % over the standard interest rate in the after welcome campaign period. 

As of 09.10.2022, it will be obligatory to approve/sign the ‘’Investment Services and Activities Agreement" and "Pre-Contract Risk Document Sıgnature Notification Form" in addition to the Marifetli Account agreements, for the new TRY account openings. 

Fund balance of our customers whose all necessary agreements have been approved will be checked every day at 23.00, in case there is not any share of funds; Funds will be purchased by automatic transfer from the TRY Marifetli Account balance. 

There is no change in limits of TRY current accounts associated with TRY Marifetli Accounts. 

The change is only valid for TRY Marifetli Accounts, and the automatic fund purchasing process is not valid for Foreign Currency Marifetli Accounts or Global Genç Accounts. 

An account will be opened at the Central Securities Depository of Turkey (MKK) due to fund purchasig process. If the account to be traded does not have any MKK number, the MKK account will be opened after 1 business day, and the additional interest will be earned after the MKK account is opened. For detailed information about MKK Commission tariff and Implementation Principles, you can visit https://www.teb.com.tr/merkezi-kayit-kurulusu/. 

CMB Statement will be prepared monthly due to fund purchasing from TRY Marifetli Account. You can change your CMB Statement sending preference from our branches, via CEPTETEB Mobile Application and CEPTETEB Internet Banking. If your CMB Statement sending preference is Digital, you can view your statement free of charge via CEPTETEB Mobile Application and CEPTETEB Internet Banking. If your CMB Statement preference is to receive it by mail, the current statement fee will be charged to your account. For detailed information; You can visit https://www.teb.com.tr/urun-ve-hizmet-ucretleri/. 

For detailed information about TEB Portfolio Money Market Fund, you can visit the links below.

https://www.teb.com.tr/for-you/para-piyasasi-fonlari/

https://www.tebportfoy.com.tr/tr-TR/fon/TKM