ICBC Turkey uses cookies to offer you a better browsing experience. By using our site, you accept our cookie policy. For further information you can visit "cookie policy".

ICBC Turkey Mobil Branch

DOWNLOAD

Türkçe

Branch & ATMs TR

Internet Banking

Retail
Corporate

For You
- Money Transfer
- - Direct Money Transfer to China
  - Swift
  - EFT
  - Remittance
- Online Banking
- - How To Do
  - Mobile Branch
  - Campaigns
  - Internet Branch
  - Telephone Branch
  - ATM’S
  - Security
- Campaign
- - E Deposit
- Consumer Loans
- - Cash Loans
  - Car Loan
  - Housing Loan
  - Overdraft Account
  - Loan Calculator
- Accounts
- - Time Deposit Calculator
  - Saving Deposit Account
  - Daily Time Deposit Account
  - Currency Protected TRY Time Deposit Account
  - Yuvam Account
  - Citizenship Application
  - TL/FX Time Deposit Accounts Tax ( Withholding Tax ) Rates
- Cards
- - QR Code Features
  - - QR Code Payment
    - QR Code Withdrawal/Deposit
  - Credit Cards
  - Virtual Card
  - Contacless Credit Card
  - Digital Receipt
  - Cash Advance in Installments
  - Masterpass
  - DragonPass
  - Creating Credit Card Password and Activation for Foreign Customers
  - BKM Express
- Payments
- - Company Salary Payments
- Investment
- - Mutual Funds
  - Treasury Bills and Government Bonds
  - Eurobonds
  - Repo
  - Stock Trading Services
  - Derivatives
- Safe Deposit Boxes
- Insurance Services
- Life Insurances
- Individual Pension System (IPS)
For Your Company
- Money Transfer
- POS and Merchant Services
- Domestic Financing
- Export Financing
- Risk Management
- Eximbank Loans
- Foreign Credits
- Non-Cash Loans
- Investment
- Trade Finance & RMB
- Organizations
- - Import Expo 2021
- Cash Management
- Insurance Services
About Us
- Our Vision - Mission
- Our Values
- History
- About ICBC
Contact Us
- Call Us
- How Can We Help You
- Branch & ATMs
- Accessible Banking
- Head Office
- TBA- Customer Complaints Arbitration Panel
Announcements
- Announcements
- Planned Work Announcements
Human Resources
International Business
- SSI (Standard Settlement Instructions)
Investor Relations
- Corporate Governance
- Sustainability
- Shareholding Structure
- Public Disclosures
- General Assembly Meeting
- - Ordinary General Assembly Meeting
  - Extraordinary General Assembly Meeting
- Financial Information
- Half Year Performance Reports
- Presentations
- Ratings
- Share Information
- - Listing
  - Share Price & Mcap
- Capital Increase
- Mandatory Tender Offer
- Fifth Year Anniversary
Annual Reports & Financials
Compliance & Other Info
- AML and KYC Policies
- USA Patriot Act Certification
- FATCA
- Compliance Reminder
- Corporate Internet Branch
- Retail Internet Branch
Security
- What We Do For Your Security
- The Most Common Fraud Methods
- Things You Should Pay Attention To For Your Safety
Privacy
LPPD
- LPPD
- Cookie Policy
Accessible Banking

For You

Yuvam Account

YUVAM - Deposit Account for Citizens Residing Abroad

YUVAM account is a Turkish Lira account that allows real persons and legal entities living abroad to invest their savings in USD, EUR, GBP, and CHF currencies in our bank, and in addition to currency protection, it also offers a guaranteed additional income ranging from 3% to 6%.

Who can open an account?

Turkish citizens who have a residence or work permit abroad or whose place of residence is registered as a foreign address in the Address Registration System and blue card holders.
Non-Turkish citizens who meet the account opening requirements at banks in Turkey as real persons or legal entities.
Companies incorporated abroad under the laws of that country, having their legal residence outside of Turkey, and where the shareholders are residing abroad.

Account Features

The account can be opened in Turkish Lira for 3, 6, 12, and 24 months maturities, and account openings cannot be made with breach maturities. If the maturity date falls on a holiday, the maturity date is determined as the first business day.
Account openings can be carried out through ICBC Turkey branches on business days between 10:00 AM and 4:00 PM.
No income tax withholding is applied for this product.
Withdrawals or deposits cannot be done from the account during the maturity period.
Yuvam Account is a Turkish Lira account, and the foreign currency balance is automatically converted to TL at the time of account opening. The conversion rate is the most recent foreign currency purchase rate announced by the Central Bank of the Republic of Turkey (CBRT) at 10:00, 11:00, 12:00, 13:00, 14:00, and 15:00 at the time of the conversion.
The exchange rate on the maturity date announced by Central Bank of the Republic of Turkey (CBRT) at 11:00 AM is taken into account. The exchange rate difference calculation is done according to the foreign currency deposit account's currency; the difference between the purchase rate (maturity rate) at 11:00 AM on the maturity date, as announced by the Central Bank of the Republic of Turkey (CBRT), and the purchase rate (conversion rate) applicable at the date and time when the account was opened is taken into consideration.

* In case the maturity rate is lower than the conversion rate at maturity date, the customer will be paid “principal + interest amount calculated based on the interest rate applied to this account + additional income amount”.

* In case the maturity rate is higher than the conversion rate at maturity date, and if the interest amount is higher than the exchange rate difference amount, customer will be paid “principal + interest amount + additional income amount” by the Bank.

* In case the maturity rate is higher than the conversion rate at maturity date, and if the interest amount is lower than the exchange rate difference amount, customer will be paid “principal + interest amount + (exchange rate difference - interest amount) + additional income amount” by the Bank.

Additional incomes calculated at the rates specified below for each maturity interval on the foreign currency amounts converted to YUVAM TL Term Accounts are paid in Turkish Lira by the Central Bank of the Republic of Turkey (CBRT).

Central Bank of the Republic of Turkey (CBRT) Annual Gross Additional Income Rates

3 Months Maturity: 1% 6 Months Maturity: 2% 12 Months Maturity: 3% 24 Months Maturity: 4%

If the account is closed before maturity date, the opening rate of the account is compared with the rate announced by the Central Bank of the Republic of Turkey (CBRT) at 11:00 AM on the date the account is closed. If the opening rate is lower than the closing rate, no exchange rate difference payment shall be made. If the opening rate is higher than the closing rate, the exchange rate difference is taken from your account.
At the end of the maturity, after the interest accrual is completed, the account is automatically closed and the balance is transferred to the demand deposit account.

ICBC Turkey is a member of ICBC Group.