Cumulative Participation Account

Do you want to make long-term investments with small savings? Then, the Cumulative Participation Account offered by Kuveyt Türk is just for you!

About Cumulative Participation Account

The Cumulative Participation Account is a participation account suitable for those who wish to make long-term savings with small amounts. You can open an account with a minimum term of 3 years and save at a high rate over time.

How to Open a Cumulative Participation Account

You must be a Kuveyt Türk customer to open an account. Do not worry if you are not a Kuveyt Türk customer! Visit our nearest branch to become a customer. Then, you can open your Cumulative Participation Account.

Details on Cumulative Participation Account

• You can open an account with a minimum term of 3 years and a maximum term of 10 years.
• You can make your payments in 1-month or 3-month periods.
• You must have a minimum of 150 TRY, 100 USD, 100 EUR, or 50 g of gold in your account in the beginning.
• The minimum amount you can deposit in the period you set is 50 TRY, 50 USD, 50 EUR, or 1 gram of gold.
• You can make payments with your credit cards in addition to the instructions you can give from your current account.
• You can update your instruction at any time and increase or decrease the amount to be deposited.
• You can make a lump sum payment at account opening if you wish.
• You can skip up to 5 payments if you are unable to make regular payments.
• You can only withdraw money three times before the term or withdraw any amount up to 50% of the principal at once.
• If you close your account before the term, 50% of the gross profit share is calculated over the amount accumulated in your account until the date of closure is paid.
• Regardless of whether you are a natural person or a legal entity, accounts are under the guarantee of the Savings Deposit Insurance Fund if the total balance in your Cumulative Participation Account and current accounts is a maximum of 950,000 TRY.

Advantages of Cumulative Participation Account

• You do not need to pay an additional fee to open a Cumulative Participation Account.
• You can make regular savings by giving a single instruction and changing your instructions at any time.
• You can save in dollars, euros, or gold in addition to Turkish lira thanks to the Cumulative Participation Account.
• You can make monthly payments using your current account or credit card.

Transaction Limits of Cumulative Participation Account

Cumulative Participation Account transaction limits vary for TRY, USD, EUR, and gold. Please see the table below for opening balances, profit share rates by term, and withholding tax rates

*Valid for accounts opened and renewed between 01.02.2025 and 30.04.2025.

Channels to Apply for Cumulative Participation Account

• You can apply through the Internet Branch or by visiting a Kuveyt Türk branch.

Open your Cumulative Participation Account by choosing the application method that suits you the best, and start investing your savings today!

Frequently Asked Questions