BES vs Bank Deposit: Which Investment Is Safer and More Profitable in 2025 for Turkish Citizenship?

In 2025, foreign investors choosing between BES vs Bank Deposit for Turkish citizenship often ask the same question:

Which investment offers higher safety and better returns?

Here is the full comparison using real BES fund data, verified gold fund performance, and state-regulated custody structures.

1) Market Returns 2024–2025

• Gold: 87.47%

• Bank Deposit: 45.03%

• Repo: 40.09%

• FX Basket: 26.65%

• Eurobond: 33.35%

• BIST100: 8.99%

  
  

Gold remains the strongest performer.

2) Real BES Gold Fund Yield: 120%+

Annual 120%+ performance of Turkish BES gold funds illustrated with growth chart.

Comparison of BES gold fund returns vs. bank deposit returns in 2025.

Based on the actual BES panel screenshot provided by a client:

• Principal: 16,746,850

• Yield: 21,327,400

• Total: 38,074,250

  
  

Annual performance: 127%

3) Why BES Is Safer Than a Bank Deposit

Simple explanation for clients:

1. The payment is collected from your bank account by Türkiye Hayat Emeklilik.

2. After the fund purchase, your money is NOT held by the insurance company.

3. Fund assets are stored in state custody institutions (Takasbank + MKK).

Funds are not kept by the company; they are protected under state custody.

4) BES vs Bank Deposit Table (2025)

Criteria	Bank Deposit	BES
Annual Return	45%	120%+
Security	Bank risk	State custody
Regulation	BDDK	SEDDK
FX Risk	High	Adjustable
Citizenship Eligibility	Yes	Yes + Higher ROI

 5) Citizenship Timeline with BES

1. Open bank account

2. Invest 500,000 USD in BES

3. Exchange principal in favor of TCMB

4. Custody registration at Takasbank

5. Certificate of Conformity (2–4 weeks)

6. Residence + Citizenship (4–6 months)

6) Why Do 70% of Chinese & Asian Investors Prefer BES in 2025?

• Gold funds deliver 120%+ annual returns

• Funds are safely held under state-regulated custody, not in private companies

• Much higher returns compared to bank deposits

• Fast citizenship approval process

• Flexible exit after the holding period

  
  

7) Advantages We Provide as IGA Law Firm

Since 2018, we have successfully supported over 600 families from China, Pakistan, Iran, and Vietnam in obtaining Turkish citizenship.

Our key advantages:

• Correct fund selection

• Bank account & BES account setup

• Certificate of Conformity follow-up

• Residence permit & citizenship applications

• Support for fund redemption after 3 years

CONCLUSION: The Safest & Most Profitable Method in 2025 → BES

• Bank Deposit Return: 45%

• BES Gold Fund Return: 120%+

Therefore, BES is not only a citizenship route, it is a real investment opportunity with high profitability.