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Daily Yield Account

The Ease of Any Time Withdrawal from the Demand Deposit Account Combined with the Interest Earning of the Time Deposit Account!

Do not give up the comfort of the demand deposit account, while earning on your savings every day with favorable interest rates.

  • Favorable daily interest rates,
  • The benefit of seeing your earnings in the account at the end of the day,
  • The advantage of meeting urgent cash needs, without worrying about the original term of the account,
  • The freedom of transacting on a single account, while earning daily interest on the savings.

The Features of the Daily Yield Account

  • Using the Daily Yield Account, you can carry out all transactions that can be made using a demand deposit account, such as money transfers, bill payments and regular payments. 
  • When opening the account, you can set a minimum limit, provided that this is not below the minimum limit specified by the bank.
  • The portion of the balance of your account that is above the minimum limit you have set cannot be used between 22:30 and 05:00 hours. Within this interval, your balance is transferred to a time deposit account, and daily interest accrues on it. You can use the portion of the balance of your account that is below the minimum limit you have set, at any time as you wish. 
  • The minimum limit specified by the bank is minimum TRY 10,000 for retail TRY accounts, and EUR/USD 5,000 for EUR/USD accounts. 
  • You can change the minimum limit of your Daily Yield Account at any time, at our branches, at the QNB Mobile, at hte Call Center, or at the Internet Branch.
  • Interest rate that will be applied to the account will be specified in the bank’s discretion, considering the prevailing interest rates on the account opening date, the currency of the account, and the amount of the balance of your linked time deposit account. Interest accrues daily; therefore the rate can be changed by the bank.
  • Following the introductory interest rate period of the Daily Yield Account, you can benefit from favorable interest rates until the 150th day following the account opening date. Throughout the term of the campaign, the bank can change the interest rates, and the corresponding terms. 
  • *In order to open a Daily Yield Account, the total of your assets with QNB  should be TRY 750,000 (or the equivalent in USD/EUR).

Introductory Interest Rate for the Daily Yield Account

  • Introductory interest rates are favorable rates, which you can benefit for your first Daily Yield Account opened in TRY currency for once.
  • Introductory interest rate will apply for the days on which you have a balance up to TRY 2,000,000, excluding the minimum limit. Where your balance exceeds this amount, you earn interest by the current standard Daily Yield Account interest rate. 
  • Introductory interest rate is the applicable rate on the date your account is opened.
  • Introductory interest rate will be applied for a period of 45 days, beginning with the account opening date.

How can I Open an Account?

  • You can open a Daily Yield Account instantly, at QNB  branches, by calling the Call Center at the number +90 850 222 0974 , at the "QNB Mobil" and the Internet Branch.
  • You can open your Daily Yield Account by visiting the nearest QNB branch. Please click here for the nearest QNB  branch.

Frequently Asked Questions

What are the prerequisites to open a Daily Yield Account

In order to open a Daily Yield Account, the total of your assets with QNB  should be TRY 750,000 (or the equivalent in USD/EUR), at the moment the account is opened.

In which currencies can I open this account?

You can open your Daily Yield Account in Turkish Lira, US Dollar and Euro.

Can I define one of my existing accounts as a Daily Yield Account?

Yes, you can define your existing demand deposit accounts as Daily Yield Account However, the following accounts cannot be defined as Daily Yield Account: Salary Accounts, Saving Accounts, and regular repo transaction accounts.

After 5:00 PM, when the amount exceeding the minimum limit is transferred to the time deposit account, can I use those funds if I need cash?

After the amount is transferred to the time deposit account, you can call the Call Center at the number +90 850 222 0974  any time, requesting to close the time deposit account and to transfer any amount to the demand deposit account.  This means that you will not earn interest for that day in question.