DijiBES Salary Plan

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

You can start building your savings with a monthly contribution of TRY 1,000 or more.

For each contract year, a management fee equivalent to 6.375% of the gross minimum wage announced for that year will be deducted from your accumulated savings.

If you withdraw from your contract or transfer it to another pension company before completing 5 years, any management fees that have not yet been collected will be deducted from your savings at the time of exit as an deferred entrance fee.

Discover the DijiBES Payroll Plan today through Garanti BBVA Mobile or Internet Banking. Choose either the small-savings option or the advantageous package, create your contract easily, and start saving immediately without losing time!

  • Advantages

    Contributions

    You can save with a monthly contribution of TRY 1,000 or more.

    Take a step today toward achieving your future goals and those of your loved ones through the Private Pension System (BES).

    DijiBES Payroll Plan is the fastest and easiest way to enroll in BES for yourself and your children. Without visiting a branch, you can instantly create your contract through the Application menu in Garanti BBVA Mobile and join the system right away.

    You can also create your BES contract instantly through the Application menu in Garanti BBVA Internet Banking and start participating immediately.

    Advantageous Contribution Option

    With the DijiBES Standard Plan, you can build your savings by contributing at least TRY 1,500 per month to your BES account.

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

    A 20% state contribution is one of the unique advantages of the Private Pension System. For example, if you contribute TRY 1,000 per month, the state adds TRY 200, resulting in a total monthly contribution of TRY 1,200 credited to your retirement savings account.

    For 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 4 times per year, allowing you to evaluate your savings under a plan that you consider more suitable. In addition, you can choose the funds in which your savings are invested and change your fund allocation up to 12 times per year.

    You Control Your Payments

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

    Our Financial Advisors Are Always by Your Side

    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.

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

  • Important Details

    Deferred Entry Fee

    Although we hope this never happens, if you leave the system or transfer your contract before completing 5 years, the total management service fees that could not be collected over the 5-year period will be deducted from your accumulated savings at the time of exit as an exit fee.

    The deferred entrance fee is calculated as:

    Gross Minimum Wage × 8.5% × 5

    Management Fee Deduction

    Only during the first 5 years, 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 fee deduction and collected from your savings in installments.