Alternatif Bank Mobil
Alternatif Bank A.Ş.

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Yuvam Account

  • Exchange Rate Protection Against Foreign Exchange Assets
  • Account Opening in All Currencies
  • Extra Yield Advantage

Don't let your foreign currency deposit depreciate in TL

Yuvam account is an advantageous Turkish Lira deposit account type that allows real entities based in or legal entities established in and under the law of a foreign country by real and legal shareholders that are resident in that foreign country, having their headquarters abroad, to evaluate their foreign savings in the banks of our country, which offers exchange rate protection assurance and the opportunity to gain extra yields and thus protects individuals’ earnings under all conditions.

How to Open an Account?

  • 1

    Transfer Your Foreign Deposit to Alternatif Bank.

  • 2

    Open a Yuvam Account at Alternatif Bank.

  • 3

    By the End of the Term, Earn Capital + Interest + Exchange Difference + Extra Yields As Per The Exchange Rate Level.

Features of Yuvam Account

  • Real People based in a foreign country, or legal entities established in and under the law of a foreign country by real and legal shareholders that are resident in that foreign country, having their headquarters out of Türkiye can open an account.
  • Yuvam Account can be opened only in TL currency.
  • Money transfer in all Currencies is possible. However, the related foreign currency amounts are first converted to USD, EUR, GBP, CHF using the cross Exchange rates published by the Turkish Central Bank at 15:30 the day before the transaction, and then Yuvam Account is opened by converting the deposit to Turkish Liras over the conversion rate.
  • It is possible to open accounts with 3-month, 6-month, 1-year and 2-year terms. 
  • There are no lower or upper limits applicable to open an account.
  • For conversion rate difference calculations, the buying exchange rate published by the Turkish Central Bank everyday at 11:00 am shall be used.
  • The account can be closed by the client at any requested date. In the event of money withdrawal from the deposit or participation account before the expiration date, the Turkish Central Bank shall not compensate any exchange rate difference.
  • In the end of the term, once the accrual of interest is realized, the account can be closed automatically and the balance can be transferred to the checking account OR, the term can be extended at client’s will.
  • You can contact our branches for Yuvam account interest rate.

Frequently Asked Questions about the Yuvam Account

How to Open a Yuvam Account

To open a Yuvam Account, you can visit the Alternatif Bank branches. Click here to find the nearest Alternatif Bank.

Who Can Take Advantage of the Yuvam Account?

Real People based in a foreign country, or legal entities established in a foreign country by real and legal shareholders that are resident in that foreign country, having their headquarters out of Türkiye can open a Yuvam Account.

What Term Options Are Available on Account Opening?

3-month, 6-month, 12-month and 24-month term options are available.

How to Calculate the Exchange Rate Difference?

The Exchange Rate Difference calculation bases on the actual «Conversion rate» applicable at time of conversion to Turkish Liras to open a Yuvam account and on the actual «End-Term Exchange Rate» applicable on the expiration date.

What is the Extra Yield?

The Extra Yield is the additional amount payable by the Turkish Central Bank as per the selected term option, which aims to protect the capital money of account owners in foreign currencies.

  • 3% for accounts on 3-month term 
  • 4% for accounts on 6-month term 
  • 5% for accounts on 12-month term 
  • 6% for accounts on 24-month term 

How Many Times Can I Take Advantage of the Yuvam Account and Is There a Limit for Account Opening?

It is possible to open as many “Yuvam Accounts” at any desired amount without any upper or lower limit.

Turkish Airlines Gift Card Campaign

Within the scope of the campaign, for real persons (Beneficiaries) who open a YUVAM account or renew their existing account within the scope of the Communiqué on Deposit and Participation Scheme for Non-Resident Turkish Citizens (YUVAM) Accounts published in the Official Gazette dated 01.02.2022 and numbered 31737, a Gift Card will be designated as of 15.05.2023 by the Turkish Airlines according to the following breakdown of maturities and amounts. 

Maturities Shorter than12 months Maturuties of 12 months or longer
50.000-100.000*250USD THY Gift Card500USD THY Gift Card
100.000 and above**500USD THY Gift Card1.000USD THY Gift Card

*Included. The opening amount will be based on the relevant currency ($/€/£/CHF).
**These Beneficiaries will be able to benefit from the “Turkish Airlines Corporate Club Türkiye Card”.

Campaign Details:

  • In case of opening an account over $/€/£/CHF100,000, the “Turkish Airlines Corporate Club Türkiye Card” will be offered alongside the Gift Card.
  • At Istanbul Airport, Corporate Club Türkiye Card holders will enjoy the right to use the fast track and Business counter check-in facilities, as well as the right to use the M&S Lounge with one guest. At Sabiha Gökçen Airport, card holders will have the right to use Business counter check-in and Lounge facilities.
  • Information of Corporate Club Türkiye Card Beneficiaries will be sent in batches every 15 days. It will take at least two weeks for the cards to be printed, and the cards will be sent to the addresses in Türkiye specified by the Beneficiaries Türkiye. No printed Corporate Club Cards will be sent to the beneficiaries who do not have a Turkish address. Ensuring the accuracy of the specified addresses and the receipt of the cards is the responsibility of the Beneficiaries. The Turkish Airlines shall not be liable for any issues regarding the issuance of a Corporate Club card, such as not submitting information or submitting incomplete information, lack of a Turkish address, inaccurate address, or failure to deliver the card. Beneficiaries will also be able to benefit from the advantages of the Corporate Club Türkiye Card using the Corporate Club Card numbers that will be sent to them by e-mail.
  • A Gift Card can be designated only once under the campaign.
  • A Gift Card will be designated 20 days following the opening / renewal of the account, and can be used within two years from the date it is designated. Gift Card balances that are not used within two years will be cancelled.
  • In order for the card to be usable, both e-mail address and phone number information must be submitted correctly and completely. Otherwise, Beneficiaries will not be able to use the Gift Card. The Turkish Airlines is not responsible for submission of incorrect information.
  • Except for the special conditions of the campaign specified herein, the use of Gift Cards will be subject to the Turkish Airlines Gift Card Rules.
  • If the account is closed before its due date or if it is detected that the necessary criteria such as maturity and amount are not met, no Gift Card or Corporate Club Türkiye Card will be designated, and the already-designated cards will be cancelled.
  • The campaign is valid for a limited number of Gift Cards.
  • Only real persons will be able to benefit from the campaign. For those who request to benefit from the campaign, personal data required for application (Name, Surname, Mobile Number, E-mail address, Postal address (must be a valid postal address in Türkiye)) will be shared with the Central Bank of the Republic of Türkiye and the Turkish Airlines.
  • The Turkish Airlines reserves the right to initiate legal action against those concerned in case of any violation of rules.
  • The campaign will be valid for three months as of 15.05.2023.
  • The Turkish Airlines reserves the right to change the campaign rules and conditions, definitions and other information, or cancel the campaign. 

Yuvam Account Application Form

Please fill in the application form and let us contact you to provide further information about the “Turkish Central Bank Supported Yuvam Account”.

You should enter your identification number.
You should enter your name.
You should enter your surname.
You should enter your phone number.
You should enter your e-email adress
Our Bank may contact you further regarding your completed form.
Confirm security.

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.

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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, Kredi Kayıt Bürosu (KKB) 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