Ziraat retiree promotion pays TRY 5,000–12,000: what the 3-year pledge means

Ziraat Bank pays TRY 5,000–12,000 upfront in return for a three-year pension-payment commitment. The monthly equivalent and early-exit figures are comparison calculations, not additional payments.

FinRateX ResearchSeptember 26, 2026 · 1:10 PM TRTTürkçe oku

Older person comparing pension-promotion terms on paper and a phone at home — An original, text-free and logo-free editorial image representing an upfront pension promotion and a three-year commitment. Image: FinRateX.

Standard payment5.000–12.000 TLby monthly pension tier

Commitment3 yılpaid upfront

Highest monthly equivalent333.33 TLTRY 12,000 ÷ 36 months

Illustrative refund after 12 months8.000 TLapproximate for the TRY 12,000 tier

Three critical developments

The standard cash promotion ranges from TRY 5,000 to TRY 12,000 based on total monthly pension income; the highest tier starts at TRY 20,000.
The bank pays the promotion upfront for three years. A later increase in the pension does not trigger a top-up during the same commitment period.
If the pension moves to another bank or stops before three years, the promotion attributable to the remaining period is recovered on a daily pro-rata basis.

Ziraat pension promotion: income tier and 36-month equivalent

Dividing the official upfront payment by 36 puts the four tiers on a common time scale. It does not create a monthly payment.

Monthly pension	Upfront payment	36-month equivalent	Approx. refund after 12 months
TRY 0–9,999.99	TRY 5,000	TRY 138.89/month	TRY 3,333.33
TRY 10,000–14,999.99	TRY 8,000	TRY 222.22/month	TRY 5,333.33
TRY 15,000–19,999.99	TRY 10,000	TRY 277.78/month	TRY 6,666.67
TRY 20,000 and above	TRY 12,000	TRY 333.33/month	TRY 8,000

The refund column assumes exactly 12 of 36 months have passed, so 24/36 of the upfront amount remains. Ziraat's binding calculation is daily and the actual figure depends on exact payment and exit dates.

Quick answer: How much does Ziraat pay?

Ziraat Bank's standard cash promotion is TRY 5,000, TRY 8,000, TRY 10,000 or TRY 12,000, based on the retiree's combined one-month pension income paid through the bank. The top TRY 12,000 tier applies from TRY 20,000 a month. It is a one-off upfront payment for a three-year pension-payment commitment, not a monthly award.

Which pension payments are combined?

Under the undertaking, multiple eligible Social Security Institution pensions or survivor-income payments are aggregated and one promotion is paid. The tier is based on the combined one-month amount credited after attachment and alimony deductions. At least one pension payment must already have reached Ziraat when the promotion is paid.

What is the 36-month equivalent?

If the upfront payment is spread evenly over 36 months, the four tiers equal about TRY 138.89, TRY 222.22, TRY 277.78 and TRY 333.33 a month. This is an arithmetic comparison measure. It is not a separate monthly payment, interest rate or investment return offered by Ziraat.

What happens if I change banks after 12 months?

The official rule requires recovery of the promotion attributable to the remaining period if the pension moves or payments stop before three years. In a simple 12-month example, two-thirds remains: about TRY 8,000 on the TRY 12,000 tier and TRY 6,666.67 on the TRY 10,000 tier. Ziraat calculates the binding amount by exact days, so the actual figure may differ.

Do I receive a top-up if my pension rises?

No. Ziraat's undertaking says a pension increase after the promotion is paid does not create an additional promotion. A retiree who received TRY 10,000 while earning TRY 18,000 would not automatically receive the TRY 2,000 difference if the pension later rose above TRY 20,000 during the same three-year period.

How can retirees apply?

Applications are available through branches, online banking, Ziraat Mobile, ATMs, SMS and the call center. The customer must commit to receiving all pension and eligible income payments through Ziraat for three years. Customers with an open collection or enforcement record are reviewed separately after the debt is paid.

Are other retiree offers included in TRY 12,000?

Ziraat separately advertises products such as an interest-free loan, bill-payment refunds, term deposits and toll-tag benefits. They should not be added to the standard TRY 5,000–12,000 cash promotion as unconditional cash; each has separate eligibility, maturity, limit and usage rules. This analysis models only the official standard promotion.

What does it mean for my money?

Compare the headline payment with the three-year lock-in and possible exit cost. If you may move your pension soon, treating the entire upfront amount as permanent free cash can understate the future repayment. Also compare branch access, digital service, card and account charges, and the total cost of any linked product based on your own usage. This article is not investment advice.

Method and limitations

Amounts are based on Ziraat's official standard-promotion table accessed September 26, 2026. The monthly equivalent divides the upfront amount by 36. The 12-month refund example uses a remaining 24/36 share; the bank's binding figure uses daily pro-rata recovery under the undertaking. We do not model tax, withholding, interest income or personalized credit costs. Google Trends measures search interest, not product quality.

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