An exclusive digital private pension plan suitable for those who want to make small savings and those who want to save more by choosing the advantageous package! You can directly apply from our digital channels, without calling our Customer Communication Center or going to the branch!
If the total amount you pay in a year is TRY 84,000 or more, you do not pay any management fee*!
To meet the DijiBES Pension Plan, come to Garanti BBVA Mobile/Internet now, choose the small savings or advantageous package, create your contract easily and start saving right away!
Contribution: You have two package options at DijiBES Pension Plan.
With the “Small Savings BES” package, start saving in a way that suits your budget by paying at least TRY 1,000 per month!
With the "Advantageous BES" package, deposit at least TRY 7,000 per month into your BES account, or make interim payments and increase the total amount you pay in a year to at least TRY 84,000 and take advantage of the opportunity to save without paying any management fee specific to this package!
Take the fastest step towards your future dreams with private pension system! You can join the system immediately by creating your contract under the Garanti BBVA Internet / Mobile Application menu without going to the branch.
Easily access your savings goals and the most suitable plan through Garanti BBVA Mobile. You can diversify your plan suggestions based on your profile and add value to your savings with multiple plan options.
All you need to do is log in to Garanti BBVA Mobile and choose the plans that suit your profile! Start benefiting from the privileged world of BES today!
You can find the plan details below.
You can accumulate savings with monthly contributions of TRY 7,000 or more. When your total contributions exceed TRY 84,000, no management fee deduction will be applied. For savings below this amount, a management fee deduction of 8.5% of the minimum gross wage will be applied annually.
If you withdraw from your contract before 5 years or transfer your contract to another pension company, any management fee deduction not yet collected from you will be deducted from your savings as an "exit fee" at the time of withdrawal.
You can accumulate savings with monthly contributions of TRY 1,500 or more. For each contract year, a management fee of 8.5% of the minimum gross wage announced for that year will be deducted from your savings.
If you terminate your contract before 5 years or transfer your contract to another pension company, the management fee that has not yet been collected from you will be deducted from your savings as an "exit fee" at the time of exit.
You can accumulate savings with monthly contributions of TRY 1,000 or more. As per regulations, a management fee deduction is applied for each year during the first 5 years of your contract. In your personalized salary plan, a management fee deduction of 6.375% of the minimum gross wage for that year is applied.
If you terminate your contract before 5 years or transfer your contract to another pension company, any management fee deduction not yet collected from you will be deducted from your savings as an "exit fee" at the time of exit.
With the DijiBES Pension Plan, you can guarantee your retirement years just by paying TRY 1,000 each month, without compromising your current life standards. In addition, by depositing at least TRY 7,000 per month into your BES account or by making interim payments, if the total amount you pay per year is TRY 84,000 or more, you will not pay any management fee*!
Our Financial Advisors support you throughout your savings journey and offer solutions tailored to your needs. Click to meet our Financial Advisors!*
*The Sapphire service line is available to customers with PPS savings over USD 17,000, while the Diamond service line serves customers with PPS savings over USD 47,00
20% state contribution is one of the unique advantages of the Private Pension System. In private pension system, every TRY 1,000 you pay becomes TRY 1,200.
You can change your private pension plan 4 times each year to invest your savings in another plan you believe to suit you better. Moreover, you can determine which funds to invest your savings and change the fund distribution 12 times in a year.
Private pension plans offer flexible payment options. You can increase your monthly contributions, reduce it to the minimum contribution level of your pension plan and even halt your payments, any time you want.
We certainly don’t want to see you go, but should you leave the system or transfer your agreement to another provider in the first 5 years, the total management service fee (Gross Minimum Wage * 8.5% * 5) we had withheld for the 5 years will be charged out of your overall savings at the time of exit, as the exit fee.
*If you proceed with the small savings BES package, the amount determined as 8.5% of the Minimum Gross Wage announced for the first six months of the calendar year corresponding to each contract year will be deducted from your savings as administrative fees. The deduction amount that cannot be collected due to insufficient accumulation in the relevant contract year can be collected as long as the contract is valid If you progress with the advantageous BES package and reach the amount of savings that will enable you to benefit from the deduction advantage at the end of the relevant contract year, the administrative fee for the relevant year will not be taken. If you fall below the annual payment amount specified in the contract, the administrative fee will be collected from your savings at the beginning of the following year. After the end of the 5th year of your contract, there will be no collection of Administrative Fees.
