e-Participation Account

E-Participation Accounts are participation accounts opened via our mobile and online banking channels in TL, USD, EUR, XAU and XAG; under these accounts, the account holder does not receive a pre-determined return—whether in the form of profit or other payments—arising from the use of the accumulated funds, the repayment of the principal in full is not guaranteed, and the accounts are opened with high profit-sharing ratios. A high profit share is offered through the 98/2 profit-sharing ratio specifically defined for TL participation accounts opened by our customers via Mobile and Internet Banking.

• The E-Participation Account is a type of account where returns generated within the framework of a labour-capital partnership between the account holder and Emlak Katılım Bank are shared.
• You can open your Digital Participation Account 24/7 via the Emlak Katılım Mobile App and Online Branch in TL, USD, EUR or XAU, XAG.
• The E-Participation Special Sharing Ratio for accounts opened in TL is 98/2.
• Customers of our digital branch, E-Branch, can benefit from the high profit-sharing ratio campaign via video call.
• As with traditional participation accounts, the rate of return on our E-Participation Accounts is not determined at the start of the term. For this reason, no profit commitment is made prior to the end of the term.
• Once accounts have been opened, no additional funds may be deposited into them during the term. Additional funds may be deposited into the accounts up to the end of the day on the date the account was opened or up to the end of the day on the account’s renewal date.
• You may withdraw funds from the accounts at any time without breaking the term, subject to the limits set by our Bank. If the limits set by our Bank are exceeded during withdrawal transactions, the term of the account is terminated.
• No fees or commissions are charged to our customers for opening an E-Participation account.
• Accounts can be opened effortlessly and free of charge via Mobile Branch and Internet Banking.