Grow Your Savings, Maintain Your Benefits!
An effective way to boost your financial strength: With the Hayat Advantage Account, your savings grow while your benefits never end.
The Hayat Advantage Account, regardless of your savings size, you can always grow your savings safely by taking advantage of our high profit-sharing ratio. Your advantage continues as long as your account remains open and you remain active in your financial transactions.
Everyone in an Advantage Participation Account starts with the Gold segment advantage and earns a 99% profit sharing rate. Your segment is updated based on your product usage, transaction diversity, and account activity.
This way, the advantage is always with you.
This way, the advantage is always with you.
What is The Hayat Advantage Account?
The Hayat Advantage Account is a special participation account managed in accordance with participation finance principles, offering equal and sustainable advantages to every investor.
✔ High Profit Sharing Rate: It starts with a higher rate than standard accounts, offering a 99% profit sharing advantage upon opening.
✔ Equal Advantage for All: All investors with deposits from 50,000 TL to 2,000,000 TL can benefit from the same advantageous rates.
✔ Flexible Maturity Options: With maturities starting from 32 days, you can manage your savings according to your plan.
✔ Advantageous Rates by Segment: The Advantage Account has three different segments. Everyone starts with the Gold segment benefit and receives a 99% profit-sharing rate. Your segment is updated based on your account usage, transaction diversity, and account activity.
✔ High Profit Sharing Rate: It starts with a higher rate than standard accounts, offering a 99% profit sharing advantage upon opening.
✔ Equal Advantage for All: All investors with deposits from 50,000 TL to 2,000,000 TL can benefit from the same advantageous rates.
✔ Flexible Maturity Options: With maturities starting from 32 days, you can manage your savings according to your plan.
✔ Advantageous Rates by Segment: The Advantage Account has three different segments. Everyone starts with the Gold segment benefit and receives a 99% profit-sharing rate. Your segment is updated based on your account usage, transaction diversity, and account activity.
- Gold Segment: 99% profit-sharing rate*
- Silver Segment: 95% profit-sharing rate*
- Bronze Segment: 90% profit-sharing rate*
Why is it advantageous?
✔ High Equal Rates for Everyone: You benefit from a high profit-sharing ratio regardless of your savings.
✔ Continuous Advantage: This advantage isn't limited to the initial account opening it continues as long as your account remains open and you actively use Hayat Finans.
✔ Ethical and Secure: It offers a fair and sustainable advantage model that complies with participatory finance principles.
✔ Flexible Planning: You can flexibly determine the maturity and amount based on your needs.
✔ Flexible and Easy to Use: Accounts opened or funds received after 16.00 begin earning from the next day. This ensures that even late deposits start generating benefits without delay.
✔ Continuous Advantage: This advantage isn't limited to the initial account opening it continues as long as your account remains open and you actively use Hayat Finans.
✔ Ethical and Secure: It offers a fair and sustainable advantage model that complies with participatory finance principles.
✔ Flexible Planning: You can flexibly determine the maturity and amount based on your needs.
✔ Flexible and Easy to Use: Accounts opened or funds received after 16.00 begin earning from the next day. This ensures that even late deposits start generating benefits without delay.
You can easily access your Advantageous Participation Account through the Hayat Finans Mobile App.
Complete your application immediately by following the steps: All Transactions → Accounts → The Hayat Advantage Account.
Complete your application immediately by following the steps: All Transactions → Accounts → The Hayat Advantage Account.
Everyone starts with the Gold segment advantage and receives 99% profit sharing. Maintain your segment advantage by keeping your account active and always stay ahead of the curve.
The Hayat Advantage Account is categorized into Bronze, Silver, and Gold segments based on financial activity. Upon initial account opening, it is possible to start with Gold segment benefits and receive a 99% profit-sharing rate. Segments are updated according to usage frequency and transaction characteristics.
Product Usage Details
| Kriter | Kapsam | Tanım | Bronz | Gümüş | Altın |
|---|---|---|---|---|---|
| Save or Spend | Average Portfolio Size | Current Account + Investment Account + Investment Fund + Financing | 0-19.999 TL | 20.000-84.999 TL | 85.000 TL + |
| Set Instructions, Earn | Automatic Bill Payment | Number of automatic collections in the last 30 days | 0-1 | 2 | 3 + |
Frequently Asked Questions
The benefits are not a short-term promotional campaign. Hayat Finans designed this product as an equitable and sustainable model. As long as your account remains open and you remain active in your financial transactions, your benefits will continue. While the segment structure allows you to update your benefit level based on your usage habits, the system prioritizes the continuity of the benefits.
No, the benefits aren't limited to the initial start. Everyone with an The Hayat Advantage Account starts with the Gold segment upon opening and benefits from a profit-sharing ratio of up to 99%. This isn't just a welcome offer it's a benefit that lasts as long as you keep your account active and use Hayat Finans products regularly.
No, the benefits aren't exclusive to a specific group.
The Hayat Advantage Account is a model that aims to offer equal and ongoing advantages to everyone. Everyone who invests between 50,000 TL and 2,000,000 TL can benefit from the same high rates.
The Hayat Advantage Account is a model that aims to offer equal and ongoing advantages to everyone. Everyone who invests between 50,000 TL and 2,000,000 TL can benefit from the same high rates.
Yes, you can. The Hayat Advantage Account offers a high profit-sharing ratio, regardless of the size of your savings. Everyone starts with the Gold segment advantage upon first account opening and benefits from profit-sharing rates of up to 99%. This means even small savings can generate returns.
To achieve the Gold Segment, you must meet at least one of the following criteria. Calculations are based on the last 30 days.
Give Instructions, Earn
- At least 3 bills must be paid via automatic payment instructions.
Save or Spend
- The total of your current account and/or investment account average balance, investment fund holdings or financing risk amount must be at least TRY 85,000.
To achieve the Silver Segment, you must meet at least one of the following criteria. Calculations are based on the last 30 days.
Give Instructions, Earn
Save or Spend
Give Instructions, Earn
- At least 2 bills must be paid via automatic payment instructions.
Save or Spend
- The total of your current account and/or investment account average balance, investment fund holdings, or financing risk amount must be at least TRY 20,000.
The Hayat Advantage Account is a type of account designed in accordance with participation finance principles, offering a higher profit-sharing rate at initial account opening compared to standard accounts.
All individual customers who wish to save in accordance with participation finance principles can open an Advantage Participation Account through the Hayat Finans Mobile application.
The minimum amount for account opening is TRY 50,000, and the maximum amount is TRY 2,000,000.
You can open as many Advantage Participation Accounts as you wish, provided the upper limit is not exceeded.
You can open as many Advantage Participation Accounts as you wish, provided the upper limit is not exceeded.
For accounts opened after 4:00 PM, the return will be credited on the following business day.
As of April 8, 2026, the segment structure of the Advantage Account will be updated. Customers who already have an Advantage Account, as well as those who open one after April 8, 2026, can benefit from the updated segment structure and the corresponding advantageous profit-sharing rates.