• Only real persons who are Turkish citizens and blue card holders can open a Dowry Account.
• For minors under 18 years of age, a Dowry Account can be opened by a parent or guardian.
• People over 18 years of age must have never been married and must be at least 24 years old to open an account.
• Dowry Account cannot be opened as a joint account.
• Marriage planning couples can benefit from the state contribution separately by opening a Dowry Account separately from each other.

• The account holder cannot open more than one Dowry Account. Dowry Account cannot be transferred between banks.
• If the customer opens more than one account at the bank or at different banks, these accounts cannot be combined.

• Can be opened in TRY and have a minimum maturity of three years.

• The account holder may deposit an amount exceeding the upper limit specified in Article 5 of the Regulation on Dowry Accounts for one time only on the opening date of the Dowry Account. This amount cannot exceed TRY 215,706.58*.
• The amounts to be regularly deposited to the account by the customer on a monthly or quarterly basis can be deposited from the cash box, demand deposit account, if there is insufficient balance in the demand deposit account, if there is an instruction, it can be deposited from the pool account and then from the overdraft account respectively. If there is no regular payment instruction, it can be deposited from any channel provided that it remains within the limits.
• The choice of a monthly or quarterly regular payment period can be changed at the beginning of each 12-month period.
• The lower limit for regular monthly payments* is TRY 1,438.02 and the upper limit is TRY 14,380.41. In case the payments are made according to the quarterly payment plan*, the minimum quarterly payment amount is TRY 4,314.11 and the maximum quarterly payment amount is TRY 43,141.42. Periodic payments can be made in different amounts, within the upper and lower limits.
• Periodic payments can be made in the relevant month or quarter.
• The account holder is deemed to have completed his/her regular payment for the relevant month or quarter when the sum of the payments made under the contract reaches the lower limit.

• If the three-year period has ended, and the customer is eligible for state contributions and applies to the bank, accrued interest calculated at the current interest rates for the period between the payment date and the account closing date for payments made after the end of the three-year period will also be added to the closing balance.
• However, if the customer requests to close the account without applying for state contributions after the three-year period has ended, they will only be entitled to the interest on the periodic payment amounts made up to the last completed period (12-month period). They will not earn interest on the regular payments made in the ongoing but incomplete period. These provisions also apply if the customer wishes to close his/her account between the beginning of the second and the end of the third period.
• In the event that the account is closed before the end of the first period, the customer will not be entitled to any interest on the regular payments made, and only the regular payment amounts in the account will be transferred to the customer's current deposit account.
• The tax deduction will be calculated over the current tax rates at the end of one-year periods. If the account is closed on the day when the interest accrual for the first period is made, any difference between the withholding tax rate applicable to the new term due to the change in the account's original term and the withholding tax rate applicable to the account's intended term will be calculated based on the accrued gross interest and will be collected from the account.

• Money can be withdrawn from the Dowry Account at most twice in one term. If the withdrawal right is used, the balance remaining in the Dowry Account must not be less than the total of the minimum amounts required to be deposited as of the opening date of the account.

• Making regular payments to the Dowry Account for a minimum of three years before the date of marriage,
• Not violating any of the conditions specified in the Fourth, Fifth and Sixth Paragraphs of Article 5 of the Regulation on Withdrawal Rights and Non-Disruption of Regular Payment,
• Having a first marriage before the age of 27,
• The account applicant must apply to our bank within six months from the date of marriage with an international family certificate and a document from the District Population Directorates in accordance with Article 44 of the Population Services Law No. 5490 stating that it is his/her first marriage.

• The amount of savings at the date of marriage is taken as the basis for the calculation of the state contribution.
• No state contribution is paid if savings are made for less than 36 months.
• For 36-47 months, the amount of savings in the account is multiplied by 20 percent; the amount payable cannot exceed TRY 60,202.46.*
• For 48-59 months, the amount of savings in the account is multiplied by 22 percent; the amount payable cannot exceed TRY 69,464.36.*
• For 60 months and above, the amount of savings in the account is multiplied by 25 percent; the amount payable cannot exceed TRY 83,357.28.*
• The account is removed from the "Dowry Account" status after the government contribution payment is made or the right to state contribution is lost, and it will continue to remain open without government contribution unless the customer provides instructions otherwise.

* The minimum and maximum amounts regarding the contributions to be paid and the vested state contribution are valid for 2025 and these amounts will increase at the beginning of each year at the rate of revaluation increase.

• Our Dowry Account gross interest rate is 12.00%.