N Kolay Bond Offers Daily Earning with an Interest of 50%!

⦁ N Kolay bond is an investment product by which you can invest your money with a high interest during the maturity period of the bond.

⦁ The most notable feature of N Kolay is that it offers daily earning. If and when you wish to sell the bond, you will have purchased from our bank, without waiting for the date of redemption*, you can receive the interest, which will have accrued until the date on which you trade, in addition to the principal in accordance with the terms and conditions as specified in the offering circular.

⦁ Besides, you can perform your transactions quickly through our mobile application, Internet Branch or by dialing 0850 724 26 66, readily.

*maturity date

⦁ N Kolay bond is a commercial paper that is subject to the CMB (Capital Markets Board) regulations and issued by our bank. In respect of the products of the other banks, you may encounter with the probability to not to receive the interest earned if and when you liquidate the time deposit before the maturity date.

⦁ However, N Kolay provides you with the opportunity to receive also the interest, which will have accrued until the date of the selling transaction you will have performed, in addition to your principal if and when you wish to sell your bond before waiting for the date of redemption*. N Kolay bond is not a deposit product, and it is not subject to SDIF (Savings Deposits Insurance Fund).

*maturity date

⦁ Being a customer of our Bank, you can sell the bond at any time as you wish and receive the accumulated earnings. In respect of the bonds and bills issued by the other banks, you may lose your principal and accumulated earnings depending on the market conditions, if and when you wish to sell before waiting for the date of redemption*.

*maturity date

⦁ Since N Kolay bond is entirely a digital product, we offer high earnings as a result of the low and flexible cost oriented strategies.

⦁ As per the Decree, attached to the Presidential Decree, numbered 5752 and issued on the Official Journal, dated June 28, 2022 and bearing the issue number 31880 thereon, a withholding at 5% shall be applied for the income and earnings, derived from the bonds purchased until 31.12.2022 and with a maturity up to 182 days (including 182 days), and a withholding at 3% shall be applied for the income and earnings, derived from the bonds purchased until 31.12.2022 and with a maturity between 183-364 days (including 364 days). For the purpose of benefiting from such withholding advantage of 3% as specified in the said Decree, it is required that the bond is kept for a period of at least 183 days. The withholding rate shall be applied as 5% for any sale made before the elapse of such period of 183 days.

⦁ No, you can benefit from the high interest rate by investing minimum TRY 200 in the N Kolay bond.

⦁ Yes, you can receive the same interest for any amount, whether it be TRY 200 or TRY 1.000.000, while purchasing a bond from N Kolay.

⦁ Any individual, who is elder than 18 years old and who is a national of the Republic of Turkey, and also any commercial company registered in Turkey can purchase bonds from N Kolay.

⦁ Yes; you can purchase a bond from N Kolay.

⦁ No; you will not pay any transaction fee.

⦁ You need to execute a framework agreement, which is required to be executed by the investors trading capital market instruments, and also to complete the introductory/information forms that are required to be completed. Such framework agreement and the introductory/information forms will be made available electronically in our mobile application and Internet Branch. Thus, the only thing you need to do is to complete, read and acknowledge the agreement and such forms through our mobile application or Internet Branch without visiting the branch.

⦁ You can calculate the net yield, you will earn at the-then current interest rate,

⦁ by making use of the calculation tool available in our website;

⦁ Through the Investment Transactions ->N Kolay Bond->Bond Calculator tab available in our Internet Branch;

⦁ In N Kolay mobile app, through the Calculate Bond tab, available on the login screen, or through the Bond Calculation tab available under the Investments menu.  Click here to calculate now.

⦁ A person may purchase multiple bonds; however, the maximum amount with which a person may purchase a bond from N Kolay is TRY 1.000.000.

⦁ N Kolay bond brings in daily. You will earn the interest yield of your bonds on the date of redemption*. If and when you wish to leave from the investment/encash before the date of redemption, then you can sell your bonds and receive the interest yield, you will have earned until the date of selling, in addition to the principal, at the time of performance of such selling.

*maturity date

⦁ If you are a customer of our bank, you can purchase a N Kolay bond through our mobile application or Internet Branch or by dialing 0850 724 26 66, our Communication Center, or from the Aktif Bank branches. You need to complete and acknowledge the agreements and forms, which are required by the regulations for the purpose of purchasing capital market instruments, through our mobile application or Internet Branch before performing your transactions through our Communication Center accessible by dialing 0850 724 26 66.

⦁ If you are not a customer of our bank, then you can become a customer of us by clicking on the "Become a N Kolay customer" available on the login screen of the N Kolay application. Thereafter, you need to sign in our mobile application or Internet Branch and complete the steps as indicated. You can purchase a bond from N Kolay after performing an EFT/FAST from an account, you hold with another bank, to the account opened in your name.

⦁ You can purchase a N Kolay bond between 09:30 and 17:00. You can transact between 09:30 and 12:00 during any half-day public holiday.

⦁ If and when you miss 17:00, the ending time of trading hours, you can place an instruction for the performance of your transaction within the next business day.

⦁ Your instruction for purchasing bonds will be executed on the basis of the then announced interest rate if there is sufficient balance in your account in the next business day.