N Kolay Bond Offers Daily Earning with an Interest of 52%!

N Kolay does not offer temporary "Welcome" interest rates! It features a "Glad To Be Here" interest rate that is high for everyone and never lost.

Features

⦁ When required, you can withdraw the portion of your money as you wish with the interest thereon, and continue to win with the remaining amount.


⦁ The interest yield of the bond you hold will remain unchanged until the end of the maturity even if the interest rates decrease at the market.


⦁ You can perform your EFT money transfer and bill payment transactions free of charge without any conditions.


⦁ N Kolay card provides you with the opportunity to transact at the ATMs of all banks in Turkey without being required to pay any cost.


⦁ You can have an account opened and invest your savings with a high interest immediately.


  • Daily earning, withdraw flexibility
  • Guaranteed Interest
  • Ability to transact free of charge
  • Freedom to withdraw cash free of charge
  • Convenience to win without visiting a branch

N Kolay Bond Details


N Kolay Bond details applicable as of 23.05.2024

Transaction Date ISIN Interest Rate Selling Price Maturity Date VKG
23.05.2024
TRFAKYB52429 52 99.013 30.05.2024 7
23.05.2024
TRSAKYB62417 52 96.164 20.06.2024 28
23.05.2024
TRFAKYB62436 52 96.032 21.06.2024 29
23.05.2024
TRSAKYB72424 52 94.736 01.07.2024 39
23.05.2024
TRSAKYB82432 52 93.350 12.07.2024 50
23.05.2024
TRSAKYB92442 52 89.198 16.08.2024 85
23.05.2024
TRSAKYB92433 52 86.880 06.09.2024 106
23.05.2024
TRSAKYB92425 52 85.818 16.09.2024 116
23.05.2024
TRSAKYBE2414 52 82.587 18.10.2024 148
23.05.2024
TRSAKYB92416 52 80.967 04.11.2024 165
23.05.2024
TRSAKYB92424 52 80.135 13.11.2024 174
23.05.2024
TRSAKYBK2440 52 79.006 22.11.2024 183
23.05.2024
TRSAKYB92418 52 78.110 02.12.2024 193
23.05.2024
TRSAKYB92511 52 68.754 07.04.2025 319


N Kolay Bond is an investment product offered by Aktif Yatırım Bankası A.Ş.
N Kolay Bond is not a deposit product, and it is not subject to SDIF (Savings Deposits Insurance Fund).
Borsa Istanbul or CMB (Capital Markets Board) does not intervene in price determination.
ISIN Maturity Date indicates the redemption date as determined for the N Kolay Bond purchased. You can liquidate your N Kolay Bond by placing a selling order at any time before the date of redemption, and get the return that will have been generated till then. If you prefer not to place a selling order, the net return amount, to appear on the Trading Result Form or the bond buying approval screen, will be transferred to your account on the date of redemption. The date of redemption for N Kolay Bond is determined automatically in line with the availability of the Bank's stocks. While buying any bond newly or after the date of redemption, you will trade on the basis of the interest rate to apply on the date of redemption. For further information and restrictions, please click on the offering circular on Turkish web site for the bond you have bought.

Frequently Asked Questions

What is N Kolay Bond? What kind of advantages does it offer?


⦁ 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

What is the difference of the N Kolay Bond from the time deposit accounts?


⦁ 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

What is the difference of N Kolay bond from the bonds of the other banks?


⦁ 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

How can the interest offered by N Kolay bond be higher?


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

What is the withholding rate of N Kolay bond?

⦁ 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.


Can I purchase bonds only at high amounts from N Kolay?


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

Can I receive the same interest rate for all amounts?


⦁ 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.

Who can purchase a N Kolay bond?


⦁ 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.

I am a foreign national, can I purchase a bond from N Kolay?


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

Will I pay any transaction fee while purchasing a bond from N Kolay?


⦁ No; you will not pay any transaction fee.

Will I execute any agreement while purchasing a bond from N Kolay?


⦁ 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.

How can I calculate the net earnings I will derive by means of a bond from N Kolay?

⦁ 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.

What is the maximum amount with which I can purchase a bond from N Kolay?


⦁ 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.

When can I receive the earnings I will derive by means of a bond from N Kolay?


⦁ 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

From where and how can I purchase a N Kolay bond?


⦁ 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.

Between which hours can I purchase a bond from N Kolay?


⦁ 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.

I just missed the trading hours, what shall I do?


⦁ 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.

All transactions are in your pocket
with N Kolay Mobile app!

N Kolay Mobile is available for all your banking needs! You can make all your transactions, get loan, and make investment.