In recent weeks, many banks have increased their TL deposit interest rates. Following the increase in policy interest, deposit rates approached the 35%-45% band, directing investors to deposit accounts again. Banks are intensifying the competition with campaigns such as “welcome interest”, especially to gain new customers.
Economists state that risk-averse investors in a high interest rate environment are turning to deposits again. Instead of fluctuating instruments such as foreign exchange and stock markets, forward accounts that offer guaranteed returns stand out. Deposits have become attractive again, especially for large investors who follow a short-term parking strategy.
According to experts, competition between banks is expected to increase further in the coming period. The need for liquidity and the desire to attract customers may cause interest rates to remain higher for a certain period of time.
For investors with savings as high as 2 million TL, deposits have become a powerful tool that provides regular monthly income under current conditions. However, the course of interest rates, inflation and Central Bank policies should be followed closely.
As of April 18, 2026, the monthly interest income of 2 million TL was shaped bank by bank as follows:
QNB
Interest Rate 44.5%
Net Earnings 59.545 TL
End of Maturity Amount 2.059.545 TL
Yapı Kredi
Interest Rate 43%
Net Earnings 55.982 TL
End of Maturity Amount 2.055.982 TL
