Bank rate sheets32 days · TRY 100,00012 banks · November 2, 2026

Time Deposit Interest Rates

The annual gross rate banks pay on Turkish lira time deposits. Below are bank rates by term and amount, a tool to find the highest rate and an interest calculator.

39.23%

Highest: 43.00% · Alternatifbank
Policy rate: 36.00%
Annual CPI: 29.73%

The average annual gross rate 12 banks pay on a 32-day TRY 100,000 deposit is 39.23%; the highest is 43.00% at Alternatifbank.

Highest rates by term (TRY 100,000): 32 days 43.00% (Alternatifbank), 92 days 42.00% (Odeabank), 181 days 40.00% (GetirFinans), 365 days 38.00% (DenizBank).

The CBRT policy rate is 36.00%.

With annual inflation at 29.73%, the average deposit rate is 9.50 pp above inflation.

See the net return after withholding tax by amount and term with the interest calculator, using current bank rates.

Bank Deposit Interest Rates Compared (TRY 100,000)


Anadolubank	43.00%	36.00%	36.00%	36.00%
Alternatifbank	43.00%	33.00%	33.00%	33.00%
Odeabank	42.00%	42.00%	35.50%	35.50%
Fibabanka	42.00%	33.00%	33.00%	33.00%
DenizBank	41.00%	38.00%	38.00%	38.00%
QNB Finansbank	41.00%	37.25%	31.00%	—
CEPTETEB	40.50%	31.50%	31.50%	—
TEB	40.50%	31.50%	31.50%	—
GetirFinans	40.00%	40.00%	40.00%	—
Türkiye İş Bankası	36.00%	36.00%	33.50%	31.00%
Halkbank	32.00%	31.00%	26.00%	20.00%
Enpara	29.75%	26.75%	23.75%	—

Rates are bank rate sheet data dated November 2, 2026; annual gross, before tax. Promotional and new-customer rates depend on the bank’s terms.12 / 12

Find the Bank with the Highest Rate

Deposit Interest Calculator

Results are gross amounts; tax is not deducted.

Highest Rates by Term (TRY)


Alternatifbank	1–45 days	20,000–500,000	43.00%
Anadolubank	1–90 days	18,000,000–20,000,000	43.00%
Anadolubank	1–90 days	15,000,000–17,999,999	43.00%
Anadolubank	1–90 days	10,000,000–14,999,999	43.00%
Anadolubank	1–90 days	8,500,000–9,999,999	43.00%
Anadolubank	1–90 days	7,000,000–8,499,999	43.00%
Anadolubank	1–90 days	5,000,000–6,999,999	43.00%
Anadolubank	1–90 days	4,000,000–4,999,999	43.00%
Anadolubank	1–90 days	3,000,000–3,999,999	43.00%
Anadolubank	1–90 days	2,000,000–2,999,999	43.00%
Anadolubank	1–90 days	1,000,000–1,999,999	43.00%
Anadolubank	1–90 days	250,000–499,999	43.00%
Anadolubank	1–90 days	100,000–249,999	43.00%
Anadolubank	1–90 days	50,000–99,999	43.00%
Anadolubank	1–90 days	1,000–49,999	43.00%
Anadolubank	1–90 days	500,000–999,999	43.00%
Fibabanka	1–60 days	100,000–249,999	42.00%
Fibabanka	1–60 days	250,000–499,999	42.00%
Fibabanka	1–60 days	500,000–999,999	42.00%
Fibabanka	1–60 days	1,000,000–1,999,999	42.00%
Fibabanka	1–60 days	2,000,000–2,999,999	42.00%
Fibabanka	1–60 days	3,000,000–3,999,999	42.00%
Fibabanka	1–60 days	4,000,000–4,999,999	42.00%
Alternatifbank	1–45 days	500,001–2,000,000	42.00%
Odeabank	1–100 days	10,000–22,000,000	42.00%
Odeabank	1–100 days	7,500–22,000,000	42.00%
Fibabanka	1–60 days	7,500,000–10,000,000	42.00%
Fibabanka	1–60 days	5,000,000–7,499,999	42.00%
Fibabanka	1–60 days	25,000–49,999	42.00%
Fibabanka	1–60 days	10,000–24,999	42.00%
Fibabanka	1–60 days	50,000–99,999	42.00%
Alternatifbank	1–45 days	2,000,001–5,000,000	42.00%
Alternatifbank	1–45 days	5,000,001–10,000,000	42.00%
Alternatifbank	1–45 days	10,000,001–15,000,000	42.00%
QNB Finansbank	1–45 days	7,500–9,999,999	41.00%
DenizBank	1–90 days	10,000–999,999	41.00%
TEB	1–32 days	2,000–10,000,000	40.50%
Alternatifbank	1–45 days	15,000,001–100,000,000	40.50%
CEPTETEB	1–32 days	2,000–10,000,000	40.50%
GetirFinans	1–300 days	2,500–4,500,000	40.00%
DenizBank	1–90 days	1,000,000–20,000,000	40.00%
Halkbank	28–31 days	5,000,001–10,000,000	36.00%
Halkbank	28–31 days	1,000,001–5,000,000	36.00%
Halkbank	28–31 days	250,001–1,000,000	35.00%
Türkiye İş Bankası	28–31 days	10,000,001–100,000,000	35.00%
Halkbank	18–27 days	5,000,001–10,000,000	35.00%
Halkbank	18–27 days	1,000,001–5,000,000	35.00%
Türkiye İş Bankası	28–31 days	500,001–1,000,000	34.75%
Türkiye İş Bankası	28–31 days	250,001–500,000	34.75%
Türkiye İş Bankası	28–31 days	1,000,001–10,000,000	34.75%
Türkiye İş Bankası	28–31 days	5,000–100,000	34.50%
Türkiye İş Bankası	28–31 days	100,001–250,000	34.50%
Halkbank	18–27 days	250,001–1,000,000	34.00%
Halkbank	7–17 days	5,000,001–10,000,000	34.00%
Halkbank	7–17 days	1,000,001–5,000,000	34.00%
Halkbank	7–17 days	250,001–1,000,000	33.00%
Halkbank	1–6 days	5,000,001–10,000,000	33.00%
Halkbank	1–6 days	1,000,001–5,000,000	33.00%
Halkbank	28–31 days	25,001–250,000	32.00%
Halkbank	1–6 days	250,001–1,000,000	32.00%
Halkbank	18–27 days	25,001–250,000	31.00%
GetirFinans	1–300 days	4,500,001–5,500,001	30.00%
Halkbank	7–17 days	25,001–250,000	30.00%
Enpara	31–32 days	1,000–149,999	29.75%
Halkbank	1–6 days	25,001–250,000	29.00%
QNB Finansbank	1–45 days	10,000,000–29,999,999	26.00%

Highest Rates by Amount (TRY)


Anadolubank	1–90 days	1,000–49,999	43.00%
Anadolubank	1–90 days	50,000–99,999	43.00%
Anadolubank	1–90 days	100,000–249,999	43.00%
Alternatifbank	1–45 days	20,000–500,000	43.00%
Odeabank	1–100 days	7,500–22,000,000	42.00%
Fibabanka	1–60 days	100,000–249,999	42.00%
Fibabanka	1–60 days	50,000–99,999	42.00%
Fibabanka	1–60 days	25,000–49,999	42.00%
Fibabanka	1–60 days	10,000–24,999	42.00%
Odeabank	1–100 days	10,000–22,000,000	42.00%
DenizBank	1–90 days	10,000–999,999	41.00%
QNB Finansbank	1–45 days	7,500–9,999,999	41.00%
TEB	1–32 days	2,000–10,000,000	40.50%
CEPTETEB	1–32 days	2,000–10,000,000	40.50%
GetirFinans	1–300 days	2,500–4,500,000	40.00%
DenizBank	32–45 days	5,000–20,000,000	38.00%
DenizBank	91–365 days	10,000–20,000,000	38.00%
DenizBank	372–410 days	5,000–20,000,000	38.00%
Odeabank	92–95 days	10,000–25,000,000	38.00%
DenizBank	92–95 days	5,000–20,000,000	37.75%
Odeabank	46–61 days	10,000–25,000,000	37.50%
QNB Finansbank	46–91 days	100,000–2,499,999	37.50%
Odeabank	32–45 days	10,000–25,000,000	37.50%
QNB Finansbank	32–35 days	5,000–4,999,999	37.50%
DenizBank	274–371 days	5,000–20,000,000	37.50%
QNB Finansbank	92–120 days	5,000–10,000,000	37.25%
Odeabank	96–180 days	10,000–25,000,000	37.00%
QNB Finansbank	36–45 days	5,000–4,999,999	37.00%
DenizBank	96–273 days	5,000–20,000,000	37.00%
DenizBank	46–91 days	5,000–20,000,000	37.00%
Odeabank	62–91 days	10,000–25,000,000	36.75%
QNB Finansbank	46–60 days	5,000–10,000,000	36.75%
QNB Finansbank	46–91 days	7,500–99,999	36.75%
QNB Finansbank	61–91 days	5,000–10,000,000	36.50%
Türkiye İş Bankası	46–91 days	5,000–100,000	36.00%
Türkiye İş Bankası	32–35 days	5,000–100,000	36.00%
Türkiye İş Bankası	36–45 days	5,000–100,000	36.00%
Türkiye İş Bankası	92–100 days	5,000–100,000	36.00%
Anadolubank	91–1,000 days	1,000–49,999	36.00%
Anadolubank	91–1,000 days	50,000–99,999	36.00%
Anadolubank	91–1,000 days	100,000–249,999	36.00%
GetirFinans	32–45 days	2,500–249,999	35.50%
Odeabank	181–370 days	10,000–25,000,000	35.50%
GetirFinans	46–91 days	2,500–249,999	34.50%
Türkiye İş Bankası	28–31 days	5,000–100,000	34.50%
QNB Finansbank	92–120 days	100,000–499,999	34.50%
QNB Finansbank	92–120 days	50,000–99,999	34.00%
Türkiye İş Bankası	101–182 days	5,000–100,000	33.50%
QNB Finansbank	121–150 days	100,000–499,999	33.50%
Fibabanka	61–1,000 days	25,000–49,999	33.00%
Fibabanka	61–1,000 days	100,000–249,999	33.00%
Fibabanka	61–1,000 days	50,000–99,999	33.00%
Fibabanka	61–1,000 days	10,000–24,999	33.00%
QNB Finansbank	92–120 days	7,500–49,999	33.00%
Alternatifbank	46–365 days	20,000–500,000	33.00%
GetirFinans	92–120 days	2,500–249,999	32.50%
Halkbank	32–40 days	25,001–250,000	32.00%
Halkbank	28–31 days	25,001–250,000	32.00%
TEB	33–360 days	100,000–299,999	31.50%
CEPTETEB	33–360 days	100,000–299,999	31.50%
Halkbank	41–65 days	25,001–250,000	31.50%
Türkiye İş Bankası	183–364 days	5,000–100,000	31.00%
QNB Finansbank	151–364 days	100,000–499,999	31.00%
QNB Finansbank	121–150 days	50,000–99,999	31.00%
Türkiye İş Bankası	365–366 days	5,000–100,000	31.00%
Halkbank	92–107 days	25,001–250,000	31.00%
Halkbank	18–27 days	25,001–250,000	31.00%
Halkbank	66–91 days	25,001–250,000	30.50%
QNB Finansbank	121–150 days	7,500–49,999	30.00%
Halkbank	7–17 days	25,001–250,000	30.00%
Enpara	31–32 days	1,000–149,999	29.75%
GetirFinans	121–182 days	2,500–499,999	29.50%
QNB Finansbank	151–364 days	50,000–99,999	29.25%
Halkbank	1–6 days	25,001–250,000	29.00%
Halkbank	108–138 days	25,001–250,000	29.00%
Enpara	46–46 days	1,000–149,999	28.75%
Halkbank	139–180 days	25,001–250,000	28.00%
QNB Finansbank	151–364 days	7,500–49,999	27.25%
Enpara	92–92 days	1,000–149,999	26.75%
Halkbank	181–230 days	25,001–250,000	26.00%
Halkbank	231–291 days	25,001–250,000	24.00%
Enpara	181–181 days	1,000–149,999	23.75%
Halkbank	292–364 days	25,001–250,000	23.00%
CEPTETEB	33–360 days	50,000–99,999	22.50%
TEB	33–360 days	50,000–99,999	22.50%
Halkbank	365–999 days	25,001–250,000	20.00%
TEB	33–360 days	2,000–49,999	12.50%
CEPTETEB	33–360 days	2,000–49,999	12.50%

Related Indicators

Real Return

Annual CPI: 29.73%
Policy rate: 36.00%
Real policy rate (rate − CPI): 6.27 pp
Average deposit rate (32 days): 39.23%
Real deposit rate (rate − CPI): 9.50 pp

About Time Deposit Rates

Rates are the annual gross rates banks publish for Turkish lira time deposits and vary by amount and term. Calculations are gross, before tax. Compare the rate with annual inflation for the real return. Promotional and new-customer rates depend on each bank’s terms.

Frequently Asked Questions

Which bank pays the highest deposit rate?

For a 32-day TRY 100,000 deposit the highest annual gross rate is 43.00% at Alternatifbank. Rates vary by amount and term; pick your own in the tables.

Which bank pays the highest deposit rate for each term?

Highest annual gross rates by term for TRY 100,000: 32 days 43.00% (Alternatifbank), 92 days 42.00% (Odeabank), 181 days 40.00% (GetirFinans), 365 days 38.00% (DenizBank).

Which banks pay the highest deposit rate for 32 days?

The highest annual gross rates for a 32-day TRY 100,000 deposit: Alternatifbank 43.00%, Anadolubank 43.00%, Fibabanka 42.00%, Odeabank 42.00%, DenizBank 41.00%. Click a bank name for all its rates by term and amount.

When were the deposit rates last updated?

The rates come from bank rate sheets dated November 2, 2026 and update automatically when the sheets change. Check each bank’s terms for promotional and new-customer rates.

How is the return on a deposit calculated?

Gross interest = amount × annual rate × days / 36,500. Interest is paid together with the principal at maturity; calculations are gross, before tax.

Does a deposit protect against inflation?

The real return on a deposit is (1 + rate) / (1 + inflation) − 1. If the rate falls short of annual inflation, purchasing power shrinks, so the rate should be read together with annual CPI.

How does the policy rate affect deposit rates?

Banks set deposit rates largely off the CBRT policy rate; hikes lift deposit rates and cuts lower them.