All customers who open ARI Account for the first time are offered Welcome interest at VakıfBank.

Yıldız ARI Account Features

• VakıfBank Yıldız ARI Account is an investment tool that earns overnight interest and has time deposit features and can be opened in TRY, USD and EUR.
• VakıfBank Yıldız ARI Account can be opened through VakıfBank Branches.
• Accounts opened at VakıfBank Branches between 9:00 a.m. and 5:00 p.m. will mature on the same day and accounts opened after 5:00 p.m. will mature on the next business day. The accounts opened through other channels until 5 p.m. on business days will mature on the same day and the accounts opened after 5 p.m. will mature on the next business day. The maturity date for the accounts opened on weekends or public holidays without a time limit will begin on the next business day.
• At VakıfBank Branches, money can be deposited to and withdrawn from the account as often as desired between 9 a.m. and 5 p.m. only during working days, excluding official and weekend holidays. Deposits and money withdrawal transactions can be made between 9 a.m. and 12 p.m. on half-day holidays.
• In addition to VakıfBank Branches, deposits can be realized via VakıfBank Internet Banking and VakıfBank Mobile application or via VakıfBank Customer Contact Center and ATM, while withdrawals can only be made at VakıfBank Branches. Deposits to be made through these channels can be carried out between 9 a.m. and 5 p.m., including official and weekend holidays.
• Yıldız ARI Account, the minimum balance requirement is TRY 5,000 for TRY accounts, and USD/EUR 250 for USD and EUR accounts.
• Interest to be charged to VakıfBank Yıldız ARI Account is calculated for one day based on the interest rate to be applied and the end-of-day balance of the account and reflected on the balance of the account on the morning of the next day. Withholding Tax (Tax Deduction) is applicable on the interest income earned at the rate specified in the legislation.
• VakıfBank Yıldız ARI Account minimum account opening amount is TRY 5,000 for TRY, USD 1,000 for USD and EUR 1,000 for EUR.
• The customer can withdraw money from the account at any time. However, during the withdrawal process, provided that the balance remaining in the account does not fall below the account sub-amounts, the Bank may prevent the withdrawal of money from the account in cases where the account balance will fall below the account sub-amounts. The Bank reserves the right to make changes regarding the account sub-amount.
• VakıfBank Yıldız ARI Account can be opened by a parent who has a child under the age of 18 in his/her own name or in the name of his/her child.
• The welcome rate has a duration of 30 days and starts from the moment the account is opened.
• At the end of 30 days, the welcome rate will expire and will be replaced by the lapsing rate, which will be published by the Bank on a daily basis. After the welcome interest rate expires, the renewal interest rate that will be applied can change daily.
• The welcome interest can be utilized once for each currency for the first time in VakıfBank Yıldız ARI Account associated with or opened in the name of the same child with the same child's TR ID Number.
• VakıfBank Yıldız ARI Account customers can benefit from welcome interest for each currency denomination only once when they open a VakıfBank ARI/Genç ARI Account for the first time.
• If a customer who previously closed a Yıldız ARI Account wishes to open a new VakıfBank Yıldız ARI Account in the same currency, they may benefit from the introductory interest rate again, provided that 15 days have passed since the closure of the last ARI/Genç ARI/Yıldız ARI Account.
• The welcome interest rate for VakıfBank Yıldız ARI Account is valid up to TRY 100,000 USD 75,000 and EUR 75,000. If the account balance exceeds this amount, a lower interest rate will be applied to the excess amount. This interest rate to be applied may change every day.
• Instant EFT/wire transfers from the account can only be made at VakıfBank Branches and no future and regular EFT/wire orders can be given. Swift transactions cannot be performed.
• EFT/wire transfers to be made from VakıfBank Branches will be charged at an amount to be determined by the Bank. The Bank reserves the right to make changes regarding EFT/wire transfer transaction fees. When any change is made in the EFT/wire transfer transaction fee, the cost information will be notified to the customer before the transaction is made.
• There may be a maximum of one open VakıfBank Yıldız ARI Account in each currency denominated in TRY, USD and EUR associated with the same child's TR ID Number or opened in the name of the same child at the same time.
• No joint account can be opened.
• Campaign terms and interest rates may vary.

Amount of deposit on which no interest will be applied