Alternatif Bank Mobil
Alternatif Bank A.Ş.

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VOV Account

Earn a lot with 56% advantageous interest rate in VOV Account moreover endless welcome interest are waiting for you in VOV Account.

Earn a lot with 56% advantageous interest rate in VOV Account

While you earn high income with advantageous interest rate, you have the opportunity to earn welcome interest by receiving additional interest rate for every product that you use after expiration of the welcome interest rate period.

VOV Account Features


  • It is a drawing account equipped with daily time deposit features.
  • VOV Account can be opened through all Digital and Branch channels.
  • VOV Account Has A 90-Day Welcome Period.
  • VOV Account can be opened for real persons, minors, and joint accounts.
  • VOV Account does not have account-based upper limit.
  • Multiple VOV Accounts can be opened in the same currency.
  • An amount to be determined by the Bank shall remain in the drawing account based on the total balance for which VOV account shall be opened.
  • Amounts transferred to the account after 5:00 PM will start earning interest on the following day. Amounts transferred to the time deposit account after 5:00 PM cannot be used in any manner. Only the balance in the drawing account can be used from 12:00 AM to 3:00 PM on weekdays.
  • You can view VOV Account on Online/Mobile Branch and ATM, you can withdraw money from / deposit money to the account.
  • You can make money transfers (EFT, Transfer, Fast, Forward EFT, Late EFT transactions) indefinitely at no charge through digital channels.
  • Transfer/EFT, automatic payment transactions can be performed using the account. You can make consumer loan, overdraft account, and credit card payments.
  • Welcome interest, determined daily by the bank according to market conditions, can be applied at different rates depending on the balance in your account and it is announced on the corporate website of the bank. 
  • Interest rate of the account reverts to the standard interest of VOV Account after the advantageous period expires. Standard interest rate is determined daily by the bank according to market conditions, it can be applied at different rates depending on the balance in your account, and it is announced on the corporate website of the bank.
  • During the VOV Account standard interest period: you can earn additional interest up to a maximum of 15% by using the products offered to you as you wish and benefit from the welcome interest indefinitely.
  • You need to have opened VOV account for the first time during last 1 year in order to be in the welcome period.


Advantageous TRY Welcome Interest Rate

% 56

Valid up to 5,000,000 TL.

Advantageous USD Welcome Interest Rate

% 2

Advantageous EUR Welcome Interest Rate

% 1

Advantageous GOLD Welcome Interest Rate

% 0.40

VOV Account Interest Rates

VOV Account Interest Rates

Currency Unit Range of Amount Advantageous Welcome Interest Rates Standard Interest Rates* Amounts That Will Remain in Demand Account
TL 5.000-6.000 56% 41% 4.000TL
TL 6.001-10.000 56% 41% 5.000TL
TL 10.001-25.000 56% 41% 5.000TL
TL 25.001-50.000 56% 41% 5.000TL
TL 50.001-100.000 56% 41% 7.500TL
TL 100.001-150.000 56% 41% 12.500TL
TL 150.001-200.000 56% 41% 17.500TL
TL 200.001-250.000 56% 41% 22.500TL
TL 250.001-300.000 56% 41% 27.500TL
TL 300.001-350.000 56% 41% 32.500TL
TL 350.001-400.000 56% 41% 37.500TL
TL 400.001-450.000 56% 41% 42.500TL
TL 450.001-500.000 56% 41% 47.500TL
TL 500.001-1.000.000 56% 41% 75.000TL
TL 1.000.001-1.500.000 56% 41% 125.000TL
TL 1.500.001-2.000.000 56% 41% 175.000TL
TL 2.000.001-3.000.000 56% 41% 250.000TL
TL 3.000.001-4.000.000 56% 41% 350.000TL
TL 4.000.001-5.000.000 56% 41% 450.000TL
TL 5.000.001-above 35% 20% 500.000TL
USD 1.500-3.000 2% 1% 500USD
USD 3.001-5.000 2% 1% 1.000USD
USD 5.001-10.000 2% 1% 2.000USD
USD 10.001-15.000 2% 1% 3.000USD
USD 15.001-20.000 2% 1% 4.000USD
USD 20.001-25.000 2% 1% 5.000USD
USD 25.001-50.000 2% 1% 10.000USD
USD 50.001-75.000 2% 1% 15.000USD
USD 75.001-100.000 2% 1% 20.000USD
USD 100.001-125.000 2% 1% 25.000USD
USD 125.001-150.000 2%
1%
30.000USD
USD 150.001-200.000 2%
1%
50.000USD
USD 200.001-300.000 2%
1%
75.000USD
USD 300.001-400.000 2%
1%
100.000USD
USD 400.001-above 2%
1%
125.000USD
EUR 1.500-3.000 1%
0.75%
500EUR
EUR 3.001-5.000 1%
0.75%
1.000EUR
EUR 5.001-10.000 1%
0.75%
2.000EUR
EUR 10.001-15.000 1%
0.75%
3.000EUR
EUR 15.001-20.000 1%
0.75%
4.000EUR
EUR 20.001-25.000 1%
0.75%
5.000EUR
EUR 25.001-50.000 1%
0.75%
10.000EUR
EUR 50.001-75.000 1%
0.75%
15.000EUR
EUR 75.001-100.000 1%
0.75%
20.000EUR
EUR 100.001-125.000 1%
0.75%
25.000EUR
EUR 125.001-150.000 1%
0.75%
30.000EUR
EUR 150.001-200.000 1%
0.75%
50.000EUR
EUR 200.001-300.000 1%
0.75%
75.000EUR
EUR 300.001-400.000 1%
0.75%
100.000EUR
EUR 400.001-above 1%
0.75%
125.000EUR
GOLD 230-1.030 0.40%
0.20%
30gr
GOLD 1.031-2.000 0.40%
0.20%
50gr
GOLD 2.001-above 0.40%
0.20%
100gr

*At the end of the 90-day welcome interest period, you can reach a maximum of 15 points by using the advantageous products offered by our bank as you wish, and you can continue to benefit from the welcome interest rate indefinitely.

**Minimum interest accrual should be 0.01 and above for interest to be charged to the account. Therefore, abovementioned minimum amount indicates only the lower limit for account opening. The minimum balance should be calculated and accrue 0.01 and above interest for interest to be charged to the account based on the interest rate.


Endless Welcome Interest Product-Based Earnings Statement

Product Usage Criteria TL Deposit Additional Interest Earnings USD Deposit Additional Interest Earnings EUR Deposit Additional Interest Earnings
Stock Certificate The minimum requirement for the value of your stock product is 20.000 TL and your stock balance must be at least 10% of the total amount transferred to your VOV Accounts in TL – FC.  15% 0.10% 0.05%
Consumer Loan It must be used actively 5% 0.10% 0.05%
Investment Fund It must be used actively with a balance of 20.000 TL and above 3% 0.10% 0.05%
Automatic Payment Orders At least 2 payment orders must be provided 3% 0.10% 0.05%
Life Insurance It must be used actively 2% 0.10% 0.05%
Private Pension There must be a valid Private Pension Insurance. Additional points can be earned after the credit card authorization period expires. 2% 0.10% 0.05%
Non-life Insurance It must be used actively 2% 0.10% 0.05%
Overdraft Account It must be used actively 1% 0.10% 0.05%
Debit Card It must be used actively 1% 0.10% 0.05%
Vehicle Loan It must be used actively 1% 0.10% 0.05%
Mortgage It must be used actively 1% 0.10% 0.05%
Credit Card It must be used actively with a limit of 10,000 TL and above 1% 0.10% 0.05%

*The coefficient of the additional stock product is valid between 22 March and 30 April 2024.

**In order to benefit from the unfinished welcome interest, you can reach a total of 15 points using the products you want in the table above and benefit from the welcome interest indefinitely

*** The unfinished welcome interest is calculated on the standard VOV account interest rate at a maximum of +15 points.

**** For the 12 products listed in the table; you can earn additional interest up to 15% on your TL deposit, 0.50% on your USD deposit and 0.25% on your EUR deposit.

Information Form for VOV Account

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    İzinli Pazarlama

    Bu metin Alternatifbank A.Ş. ("BANKAMIZ") olarak 6698 sayılı Kişisel Verilerin Korunması Kanunu ("KVKK")'nun 10 uncu maddesi uyarınca Veri Sorumlusu sıfatıyla kişisel verileri işlenen ilgili kişilerin bilgilendirilmesi yükümlülüğümüz kapsamında hazırlanmıştır.

    Bankamızca kişisel verileriniz aşağıda açıklandığı çerçevede; kaydedilebilecek, saklanabilecek, güncellenebilecek, mevzuatın izin verdiği durumlarda üçüncü kişilere açıklanabilecek, devredilebilecek, sınıflandırılabilecek ve KVKK'da sayılan şekillerde işlenebilecektir.

    Kişisel verilerin işlenme amaçları ve hukuki sebepleri; Kişisel verileriniz, 4358 sayılı Vergi Kimlik Numarası Kullanımının Yaygınlaştırılması Hakkında Kanun, 5411 sayılı Bankacılık Kanunu, 5549 sayılı Suç Gelirlerinin Aklanmasının Önlenmesi Hakkında Kanun, 5684 sayılı Sigortacılık Kanunu, 6102 sayılı Türk Ticaret Kanunu, 6362 sayılı Sermaye Piyasası Kanunu, bu kanunlara ilişkin yapılan alt düzenlemeler ile diğer kanunların Bankamızın faaliyetlerini ilgilendiren hükümleri kapsamında Bankamızın aracı ve acente sıfatıyla sunabilecekleri de dahil olmak üzere mevduat, kredi, havale işlemleri dahil her türlü bankacılık, sermaye piyasası, sigorta acentalığı ve diğer ürün ve hizmetlerinde kullanılmak; işlem sahibinin kimlik, adres ve diğer gerekli bilgilerini tespit etmek; elektronik (SWIFT, internet / mobil bankacılık vs.) veya kağıt ortamındaki işlemleri yerine getirebilmek; ilgili mevzuat, Bankacılık Düzenleme ve Denetleme Kurumu (BDDK), Gümrük ve Ticaret Bakanlığı, Türkiye Cumhuriyet Merkez Bankası, Türkiye Bankalar Birliği ve diğer yetkili mercilerce öngörülen bilgi saklama, raporlama, bilgilendirme yükümlülüklerine uymak; talep edilen / diğer Banka ürün ve hizmetlerini sunabilmek ve tarafı olunan sözleşmelerin kurulmasını ve ifasını yerine getirmek üzere işlenmektedir.

    İzninizin olması durumunda, mevzuat kapsamında olan ve Bankamızla müşteri olma amacınız dışında kalan ürün ve hizmetlerimizin sunulmasında, tanıtımında kullanmak, şahsınıza özel ürün, hizmet ve teklif faaliyetlerini planlamak ve hayata geçirmek, ürün, hizmet çalışma modeli teklifleri geliştirmek, profilleme, segmentasyon, banka içi hedef yaratma, skorlama, risk analizi, müşteri ilişkileri yönetimi, Banka içi performans takibi ile analiz çalışmalarında kullanma, istatistik çalışmaları, pazar araştırması, müşteri memnuniyeti anketleri yürütmek amacıyla da kişisel verileriniz Bankamızca işlenecek ve kullanılabilecektir.

    İşyerinde güvenlik uygulamaları ve Bankamızın meşru menfaatleri için şubelerimizde, elektronik veznelerde (ATM), bölge müdürlükleri, genel müdürlük ve Bankamızca kullanılan binalarda kamera görüntüleriniz kaydedilebilecektir.

    Yukarıda belirtilen amaçlarla, kişisel verilerin aktarılabileceği kişi/kuruluşlar; Bankacılık Kanunu ve diğer mevzuat hükümlerinin izin verdiği kişi veya kuruluşlar; bunlarla sınırlı olmamak üzere 5411 sayılı Bankacılık Kanunu madde 73/4'te sayılan finansal kuruluşlar ile diğer üçüncü kişiler; BDDK, Sermaye Piyasası Kurulu, Mali Suçları Araştırma Kurulu (MASAK), T.C. Maliye Bakanlığı, TCMB gibi kamu tüzel kişileri; Bankamız ana hissedarı The Commercial Bank (P.S.Q.C.) ve iştiraklerimiz Alternatif Finansal Kiralama A.Ş. ve Alternatif Menkul Değerler A.Ş.'de dahil Bankamızın doğrudan / dolaylı yurt içi / yurt dışı iştirakleri; yurt içi ve yurt dışı para ve menkul kıymet transferi, menkul kıymet saklama taleplerinde ilgili transfere aracılık eden/ saklama hizmeti veren yurt içi ve yurt dışı bankalar ve takas kuruluşları, Türkiye Bankalar Birliği Risk Merkezi ile bankacılık faaliyetlerini yürütmek üzere hizmet aldığımız, işbirliği yaptığımız, program ortağı olduğumuz kuruluşlar, yurt içi / yurt dışı banka ve finansal kuruluşlar ile diğer üçüncü kişilerdir.

    Kişisel verilerin toplanma yöntemi ve hukuki sebebi; Kişisel verileriniz, 5411 sayılı Bankacılık Kanunu ve yukarıda belirtilen diğer ilgili mevzuat gereğince onay ve/veya imzanızla düzenlenen bankacılık işlemlerine ilişkin tüm sözleşmeler/bilgilendirme formları ve sair belgelerle, elektronik onay ve/veya imzanız ile yapacağınız bildirimlerle, Genel Müdürlük, Şubelerimiz, ATM'ler, İnternet Bankacılığı, Çağrı Merkezi gibi kanallar aracılığıyla sözlü, yazılı veya elektronik ortamda olmak kaydıyla tamamen veya kısmen otomatik olan ya da herhangi bir veri kayıt sisteminin parçası olarak otomatik olmayan, yurt içi/yurt dışı iştiraklerimiz, işbirliği yaptığımız kurum ve kuruluşlar, resmi kurumlar, yurt içi/yurt dışı Bankalar ve diğer 3.kişiler de dahil olmak üzere Bankamız dışından da elde edilebilecek çeşitli yöntemlerle, Bankamızın yasal ve sözleşmesel yükümlülüklerini tam olarak ifa edilebilmesi amacı ile toplanmaktadır.

    KVKK’nın 11. maddesi gereği müşteri olarak haklarınız; Bankamıza başvurarak, kişisel verilerinizin;

    • İşlenip işlenmediğini öğrenme,
    • İşlenmişse buna ilişkin bilgi talep etme,
    • İşlenme amacını ve amacına uygun kullanılıp kullanılmadığını öğrenme,
    • Yurt içinde veya yurt dışında aktarıldığı üçüncü kişileri bilme,
    • Eksik / yanlış işlenmişse düzeltilmesini isteme,
    • KVKK'nın 7. maddesinde öngörülen şartlar çerçevesinde silinmesini / yok edilmesini isteme,
    • Aktarıldığı üçüncü kişilere yukarıda sayılan (d) ve (e) bentleri uyarınca yapılan işlemlerin bildirilmesini isteme,
    • Münhasıran otomatik sistemler ile analiz edilmesi nedeniyle aleyhinize bir sonucun ortaya çıkmasına itiraz etme,
    • Kanuna aykırı olarak işlenmesi sebebiyle zarara uğramanız hâlinde zararın giderilmesini talep etmedir.

    Frequently Asked Questions About VOV Account

    You may find all details about VOV Account here.

    Can I add VOV feature to all my current accounts?

    By opening more than one VOV Account in the same foreign currency, you can benefit from the advantageous interest rates of the VOV Account in all your current accounts.

    How is the welcome interest rate applied for each newly opened VOV Account?

    The VOV Account welcome interest period starts with your first opened account. Every new VOV Account you open for 90 days earns welcome interest equal to the number of days remaining for the first VOV Account you opened. For example; If the first VOV Account welcome interest is 51 days, the newly opened VOV Account will earn welcome interest for 51 days.

    I would like to deposit/withdraw money into/from my account. How can I do this without breaking my maturity date?

    With VOV Account, you can deposit your money any time you like or withdraw cash without breaking the maturity date.

    For how long can I enjoy the advantageous interest rates?

    You may enjoy the advantageous interest rate for 90 days as of the account opening date.

    What is the endless welcome interest?

    With the welcome interest not ending in the VOV Account, you can use the product as you wish, but you can earn a maximum interest of 15.

    Can I continue to benefit from advantageous interest rates after the welcome interest period?

    With the never-ending welcome interest in the VOV Account, you can reach a maximum of 15 points by using the products you want at the end of the Welcome interest period and benefit from the welcome interest indefinitely.

    What is the minimum amount required to open a VOV Account?

    You can open your account with a balance of minimum TRY 5,000 in TRY, USD/EUR 1,500 in USD/EUR, and minimum 230 gr for GOLD accounts. There is no upper limit for opening a VOV Account. Based on the total amount to be used, the amount between TRY 4,000 and TRY 500,000 in TRY currency, the amount between USD/EUR 500 and USD/EUR 125,000 in USD/EUR currency, and 30 to 100 gr in GOLD accounts will be transferred to the drawing account.

    Where can I view my VOV Account transactions?

    You may view the current deposit account linked to your VOV Account at Alternatif Bank Internet Branch or Alternatif Bank ATMs.


    Other Deposit Products

    retail deposit time deposit account gold time deposit account  image

    TRY Time Deposit Account

    Come to Alternatif Bank to make good use of your savings by selecting one of our attractive interest rates!

    Gold Time Deposit Account

    Your gold savings are safe with Alternatif Bank! With advantageous interest yields!

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    Alternatifbank A.Ş. Informative Text on the Protection and Processing of Personal Data

    This text has been prepared under our obligation to inform the data subjects whose personal data are processed by Alternatifbank A.Ş. ("our Bank") under our capacity as the Data Controller pursuant to article 10 of the Law no. 6698 on Protection of Personal Data ("KVKK").

    Your personal data may be recorded, stored, or updated by our Bank within the framework explained below, or disclosed or transferred to third persons under the conditions permitted by the legislation, or classified and processed in the forms and manner listed in KVKK.

    The purposes and legal reasons for processing your personal data; Your personal data are processed for use in any services related to any kind of banking products and services such as deposits, loans, and bank transfer transactions, as well as capital market, insurance agency and other products and services, including those that may be offered by our Bank under its capacity as the intermediary or agent within the scope of Law no. 4358 on Generalization of the Usage of Tax Identity Numbers; the Banking Law no. 5411, the Law no. 5549 on Prevention of Laundering of Proceeds of Crime, the Insurance Law no. 5684, the Turkish Commercial Code no. 6102, the Capital Markets Law no. 6362, the secondary regulations issued in relation to such laws and the provisions of other laws that are of interest in terms of our Bank’s activities; to identify and record the identity, address and other necessary information and data related with the transaction owner; to execute the transactions electronically (SWIFT, internet / mobile banking, etc.) or in papers; to comply with the data storage, reporting and informing obligations stipulated by the related legislation, the Banking Regulation and Supervision Agency (BRSA), the Ministry of Customs and Trade, the Central Bank of Republic of Türkiye, the Banks Association of Türkiye and the other competent authorities; and to be able to offer the requested / other Bank products and services and to establish and fulfil the requirements of the agreements that the Bank is a party to.

    If you have given consent, your personal data may also be processed and used by our Bank for the purpose of presenting and promoting our products and services beyond the purpose for which you have become a client of our Bank under the applicable legislation; for planning and implementing special product, service and proposal activities that are customized for you; for developing product, service and working model proposals; for usage in profiling, segmentation, intra-bank target setting, scoring, risk analysis, client relations management, intra-Bank performance monitoring and analyses; and for conducting statistical studies, market researches, and customer satisfaction surveys.

    Your camera images may be recorded at our branches, electronic banking machines (ATMs), regional offices, head office and the buildings used by our Bank for the legitimate interests of our Bank and as required by the workplace security practices.

    The persons / entities to whom/which your personal data may be transferred for the abovementioned purposes; the persons or entities permitted by the Banking Law and the provisions of other applicable laws; including, without limitation, the financial institutions and other third persons as specified in article 73/4 of the Banking Law no. 5411 ; public legal entities such as BRSA, Capital Markets Board, Financial Crimes Investigation Board (MASAK), the Ministry of Finance of the Republic of Türkiye, CBRT, etc.; our Bank’s main shareholder The Commercial Bank (P.S.Q.C.) and the direct / indirect domestic / overseas subsidiaries of our Bank including our subsidiaries Alternatif Finansal Kiralama A.Ş. and Alternatif Menkul Değerler A.Ş.; domestic and overseas banks and custody institutions intermediating in the related transfers / providing custodian services in relation to domestic and international fund and security transfers and the requests for security custodian services, the Risk Centre of the Banks Association of Türkiye, and the institutions, domestic / overseas banks and financial institutions and other third persons that we receive services from, cooperate with, or become a program partner with in order to perform banking activities.

    The method of and legal reason for the collection of personal data; Your personal data are collected by our Bank in order to completely fulfil its legal and contractual obligations through any and all agreements/information forms and other documents related with banking transactions and arranged with your consent and/or signature, your notifications that you will send with your electronic consent and/or signature, via the channels like the Head Office, our Branches, ATMs, Internet Banking, Call Centre, etc., and through various methods that may be utilised outside our Bank, including our domestic/overseas subsidiaries, the agencies and institutions that we cooperate with, public agencies and institutions, domestic/overseas Banks and other 3rd persons, whether verbally, in writing or electronically, and whether by automated means, in part or in whole, or non-automated means that are a part of any data recording system, pursuant to the Banking Law no. 5411 and the other related laws and legislation specified above.

    Your rights as a customer pursuant to article 11 of KVKK; You are entitled to apply to our Bank with respect to the processing of your personal data; and