Hayat Finans Mobile

Türkiye's First Digital Bank

What is Participation Account?

The Participation Account does not have a pre-defined and committed income and it is based on the profit-loss partnership principle of projects provided with finance by the bank within the framework of an interest-free banking approach. Participation Account profit share rates vary depending on the type and amount of the investment.

Features of Participation Account

  • You can open your Participation Account for 3 months, 6 months and 12 months with maturities starting from 32 days.
  • When the Participation Account is opened, you need to deposit a minimum of 1,000 TL and 250 USD/EUR your account, whichever is suitable for the account type you selected.
  • You can easily withdraw money from your account without waiting for maturity when you have a cash need. After meeting your cash need from your account, you can receive your profit share at the end of the maturity over the remaining amount. To receive the profit share at the end of maturity, you need to make sure that your account has the balance corresponding to the minimum amount required at account opening.
  • If you want to open a digital Participation Account and grow your savings by benefitting from participation income, you can open Hayat Finans Participation Account.
* The total of Private Current Accounts and Participation Accounts is under the guarantee of Savings Deposit Insurance Fund (SDIF) of up to 650.000 TL for natural and legal persons. 

Profit Sharing Ratios

Turkish Lira
3 Months6 Months1 YearOver 1 Year
Minimum Account Balance: 1.000 TL*90% - 10%91% - 9%93% - 7%93% - 7%
Foreign Currency (Dollar & Euro)
3 Months6 Months1 YearOver 1 Year
Minimum Account Balance: 250 USD/EUR*70% - 30%70% - 30%72% - 28%72% - 28%

*The minimum balance required in the Participation Account to be eligible for profit sharing at the end of the maturity period in case of withdrawal during the term.

Profit Share Rates

1 Month3 Months
Turkish Lira42,36%43,93%
*Profit share rates are not a forward-looking commitment but are indicative.

Withholding Tax Rates Applied to Participation Accounts

Up to 6 Months (6 Months Included) 6 Month - 1 Year (1 Year Included)Over 1 year

Turkish Lira


Foreign Currency


Precious Metal


* The total of current accounts and participation accounts is covered under the Savings Deposit Insurance Fund (TMSF) up to TRY 650,000 for both individuals and legal entities.

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The Perfect Time to Become a Part of Hayat Finans!

Become a Member of Hayat Finans

You can become a member of the Hayat Finans family from anywhere you want to benefit from the advantages of Digital Banking. 

Current Account

Current Account

You can keep your savings secure by opening a Current Account in Turkish Lira, foreign currency, or precious metals. Through the current account, you can withdraw a portion or all of your Money at any time you want.

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