Turkish Citizenship by Bank Deposit 2025 – Complete and Detailed Process Guide

1. Legal Basis

Turkish citizenship by bank deposit is defined under:

• Turkish Citizenship Law No. 5901,

• Implementation Regulation Article 20/2-ç, which requires depositing USD 500,000 into a Turkish bank and keeping it for 3 years.

  
  

2. General Overview of the Process

1. Power of attorney → Same-day bank account opening

2. USD 500,000 → Sale to the Central Bank & DAB issuance

3. Opening TL time-deposit account → 3-year blocking commitment

4. Application to BDDK for the conformity letter

5. BDDK review: 2–3 weeks

6. Residence permit application is submitted

7. Citizenship application is filed

8. At the end of 3 years from the BDDK application date, the blocking will be released.

   
   

3. Fastest Account Opening – With IGA Law Firm

• We open accounts at QNB Finansbank, VakıfBank, and Ziraat Bankası on the same day we receive the scanned copy of the Power of Attorney.

• Mobile banking access is granted immediately.

  
  

4. Selling USD 500,000 to the Central Bank (DAB Process)

Steps:

1. USD reaches the investor’s bank account.

2. The amount is sold to TCMB (the Turkish Central Bank).

3. DAB – Foreign Exchange Purchase Document is issued.

4. With the TL obtained, a time-deposit account is opened.

5. A 3-year blocking commitment is applied.

   
   

5. TL Time-Deposit Account & Blocking

• Principal must remain in the account for 3 years.

• Interest earnings can be freely transferred abroad.

• Maturity options: 32 days, 3/6/12/24/36 months

• Interest rates change daily; we secure the highest rates for clients.

  
  

6. BDDK - Conformity Certificate

• After the application is submitted, the review of BDDK takes around 2–3 weeks.

• After approval:

  • File is forwarded to the Directorate of Migration Management & Civil Registry.

  • Residence permit application is submitted.

  • Citizenship application follows.

    
    

7. Full Process Flow

1. Passport + POA → same-day account opening

2. USD 500,000 → sale to TCMB (DAB)

3. TL account → 3-year block

4. Bank → BDDK application

5. 2–3 weeks review

6. Residence permit application is submitted

7. Citizenship application filed

8. Principal becomes free at the end of 3 years from the BDDK application date

   
   

8. Advantages of This Method

• Government-backed, low-risk investment

• Regular interest income

• Earnings can be transferred abroad

• Entire family (spouse & children under 18) included

• No real estate management or tenant issues

• Fully transparent banking-based process

  
  

9. IGA Law Firm’s Added Value

• Fastest account opening in Türkiye

• Accurate management of TCMB sale & DAB issuance

• Daily interest rate monitoring

• Same-day activation of mobile banking

• Full management of BDDK process

• Structuring the 3-year blocking correctly

• Residence permit application is submitted, then citizenship filing

• Full, end-to-end legal representation

Contact Us Today

If you are considering Turkish citizenship by bank deposit 2025, our experienced legal team is ready to manage the entire process — from same-day bank account opening to BDDK conformity, residence permit and full citizenship filing.

Start your Turkish citizenship journey with confidence. Contact us today for a consultation.