DijiBES Standard 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 deduction equivalent to 6.375% of the gross minimum wage announced for that year will be deducted from your savings.

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

Discover the DijiBES Payroll Plan today through Garanti BBVA Mobile or Internet Banking. Whether you choose the basic savings option or the advantageous package, you can easily create your contract and start saving immediately without wasting any 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).

    The fastest and easiest way to enroll yourself or your children in BES is through the DijiBES Payroll Plan. Without visiting a branch, you can instantly create your contract via 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 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 make a monthly contribution of TRY 1,000, the state adds TRY 200, bringing the total 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 can 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 under your plan, or make additional contributions during interim periods to grow your fund. You may also suspend your contributions for certain periods whenever 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 during the five-year period will be deducted from your accumulated savings as an exit fee at the time of withdrawal.

    The deferred entrance fee is calculated as:

    Gross Minimum Wage × 8.5% × 5

    Management Expense 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.