DijiBES Plus Planı

It's Time to Join a Private Pension Plan Digitally!

Start building your savings today with a monthly contribution of TRY 7,000 or more. Once the total contributions paid into your contract reach TRY 84,000 or above, no management expense deduction will be applied.

If the total amount paid during a year remains below this threshold, a management fee deduction equal to 8.5% of the Gross Minimum Wage announced for the first six months of the corresponding calendar year will be applied for each contract year.

Although we hope it never happens, if you leave your contract or transfer it to another pension company before completing five years, any management fee deductions due will be deducted from your savings as an “deferred entrance fee” at the time of withdrawal.

  • Advantages

    How to Join

    Discover the DijiBES Plus Plan through Garanti BBVA Mobile or Internet Banking. Whether you choose the standard savings option or the advantageous package, you can easily create your contract and start saving today while benefiting from the 20% state contribution.

    Contribution Amount

    You can save with a monthly contribution of TRY 7,000 or more. Once the total contributions paid into your contract exceed TRY 84,000, no management fee deduction will apply.

    For savings below this threshold, a management fee deduction equal to 8.5% of the annual gross minimum wage will be charged.

    Take a Step Today Toward Your Future Dreams

    The fastest and easiest way to enroll yourself or your children in BES is through the DijiBES Plus Plan. Without visiting a branch, you can instantly create your contract through the “Application” menu in Garanti BBVA Mobile and join the system immediately.

    You may also create your BES contract instantly through the Application menu in Garanti BBVA Internet Banking and join the system right away.

    Advantageous Contribution Plan

    With the DijiBES Plus Plan, if you contribute at least TRY 7,000 per month to your BES account or make additional contributions so that your total annual payments reach TRY 84,000 or more, you will not pay any management expense deduction.*

    TRY 1,000 from You, TRY 200 from the Government

    The 20% state contribution is one of the unique advantages of the Private Pension System. For example, if you make a monthly contribution of TRY 1,000, the state adds TRY 200, increasing the amount credited to your retirement savings account to TRY 1,200.

    For more detailed information about the state contribution, please refer to the relevant information page.

    Plan and Fund Changes

    You may change your pension plan up to four times per year and evaluate your savings under a plan that you believe better suits your needs. In addition, you may determine which funds your savings are invested in and change your fund allocation up to twelve times per year.

    You Are in Control of Your Payments

    Private pension plans offer flexible payment options. You may increase your monthly contributions at any time, reduce them to the minimum contribution amount required by your plan, or make additional contributions during interim periods to grow your fund. You may also suspend your contributions whenever you wish.

    Our Financial Advisors Are Always by Your Side

    Our Financial Advisors support you throughout your savings journey and provide solutions tailored to your needs.

    The Sapphire service line is available to customers with BES savings exceeding USD 17,000, while the Diamond service line is available to customers with BES savings exceeding USD 47,000.

  • Important Details

    Deferred Entry Fee

    Although we hope this never happens, if you leave the system or transfer your contract before completing five years, the total management service fees that could not be collected during the five-year period will be deducted from your accumulated savings as an deferred entrance fee at the time of withdrawal.

    The deferred entrance fee is calculated as:

    Gross Minimum Wage × 8.5% × 5

    Management Fee Deduction

    With the Advantageous BES Package, if the total amount you pay within a year reaches TRY 84,000 or more, you will not pay any management fee deduction.*

    For the first five contract years only, an amount equal to 8.5% of the Gross Minimum Wage announced for the first six months of the calendar year corresponding to each contract year will be charged as a management expense deduction and collected from your savings in installments.