{"id":2859,"date":"2023-04-04T21:55:55","date_gmt":"2023-04-04T19:55:55","guid":{"rendered":"https:\/\/vakifbank.de\/?page_id=2859"},"modified":"2026-03-23T23:36:52","modified_gmt":"2026-03-23T22:36:52","slug":"glossar-und-bedingungen","status":"publish","type":"page","link":"https:\/\/vakifbank.de\/tr\/glossar-und-bedingungen\/","title":{"rendered":"S\u00f6zl\u00fck ve ko\u015fullar"},"content":{"rendered":"
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Gecelik para ve vadeli mevduatlar i\u00e7in \u00f6zel ko\u015fullar (17 Mart 2026 itibar\u0131yla) \n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Terminoloji\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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VakifBank Int. AG, Viyana, Almanya \u015eubesi<\/b> Vak\u0131fBank olarak adland\u0131r\u0131lm\u0131\u015ft\u0131r.
Vadeli mevduat (veya sabit vadeli mevduat)<\/strong> kararla\u015ft\u0131r\u0131lan bir faiz oran\u0131 ile belirli bir vade i\u00e7in yat\u0131r\u0131lan bir finansal yat\u0131r\u0131m \u015feklidir.
Vadesiz Mevduat<\/strong> g\u00fcnl\u00fck kullan\u0131labilirli\u011fi ve de\u011fi\u015fken faiz oran\u0131 olan bir yat\u0131r\u0131m \u015feklidir.
Vadeli mevduat mutabakat hesab\u0131 (veya mutabakat hesab\u0131)<\/strong> Vak\u0131fBank'ta vadeli mevduatlar\u0131n \u00f6denmesi i\u00e7in m\u00fc\u015fteri ad\u0131na a\u00e7\u0131lan bir hesapt\u0131r. Hesap \u00fccretsizdir.
Referans hesap (veya kontra hesap)<\/strong> hesap sahibinin ad\u0131na olan ve m\u00fc\u015fterinin ev bankas\u0131nda tutulan bir hesapt\u0131r.
Devrilme<\/strong> vadeli bir mevduat\u0131n (veya vadeli mevduat\u0131n) vadesinin uzat\u0131lmas\u0131d\u0131r.<\/p>\n\n\n\n

1. hesap a\u00e7\u0131l\u0131\u015flar\u0131<\/h3>\n\n\n\n

Gecelik veya vadeli mevduat hesaplar\u0131 yaln\u0131zca \u201etek hesap\u201c veya \u201eveya hesap\u201c olarak y\u00f6netilir. \u201eVe hesaplar\u0131\u201c veya \u201ebak\u0131c\u0131 hesaplar\u0131\u201c y\u00f6netilmemektedir. Hesaplar ya \u015fubelerde ya da uzaktan sat\u0131\u015f yoluyla a\u00e7\u0131l\u0131r. Ba\u015fvurunun al\u0131nmas\u0131ndan sonra, me\u015fruluk Postident\/Videoident taraf\u0131ndan kontrol edilir. Me\u015frula\u015ft\u0131rma onayland\u0131ktan sonra, m\u00fc\u015fteri yat\u0131r\u0131m tutar\u0131n\u0131n transferi i\u00e7in yaz\u0131l\u0131 olarak veya metin bi\u00e7iminde \u00f6deme hesab\u0131n\u0131 alacakt\u0131r. Vadeli mevduat i\u00e7in asgari yat\u0131r\u0131m tutar\u0131 5.000 EUR'dur. Hesap \u00f6zetleri ciro \u00fczerine d\u00fczenlenir.<\/p>\n\n\n\n

2. gecelik mevduatlar<\/h3>\n\n\n\n

Gecelik mevduatlar yaln\u0131zca \u00f6zel m\u00fc\u015fteriler i\u00e7in y\u00f6netilmektedir. Yat\u0131r\u0131m, para al\u0131nd\u0131\u011f\u0131nda ge\u00e7erli faiz oran\u0131 \u00fczerinden faiz kazan\u0131r. Ek \u00f6demeler her zaman m\u00fcmk\u00fcnd\u00fcr. Para \u00e7ekme i\u015flemleri telefonla, k\u0131sa mesajla veya yaz\u0131l\u0131 olarak yap\u0131l\u0131r. \u00c7ekilen tutarlar sadece ayn\u0131 g\u00fcn bilinen referans hesab\u0131na aktar\u0131l\u0131r. Banka havalesi veya otomatik \u00f6deme ile \u00f6deme i\u015flemleri m\u00fcmk\u00fcn de\u011fildir. Faiz ekstreleri, vadesiz mevduat hesab\u0131na yat\u0131r\u0131lan faizle birlikte \u00fc\u00e7 ayda bir d\u00fczenlenir. Vadesiz mevduat hesab\u0131n\u0131n vadesi yoktur ve istenildi\u011fi zaman iptal edilebilir. Maksimum yat\u0131r\u0131m tutar\u0131 banka taraf\u0131ndan belirlenir ve Vak\u0131fBank web sitesinde yay\u0131nlan\u0131r. Azami tutar\u0131n a\u015f\u0131lmas\u0131 durumunda, yay\u0131nlanan faiz oran\u0131 uygulanmaz.<\/p>\n\n\n\n

3. vadeli mevduatlar<\/h3>\n\n\n\n

Para al\u0131nd\u0131\u011f\u0131nda ve rezerve edildi\u011finde, m\u00fc\u015fteri s\u00f6zle\u015fme ayr\u0131nt\u0131lar\u0131n\u0131 i\u00e7eren bir hesap \u00f6zeti al\u0131r. Ek \u00f6demeler, para \u00e7ekme ve vade boyunca iptaller hari\u00e7tir. Yat\u0131r\u0131m\u0131n faizi kararla\u015ft\u0131r\u0131lan vade i\u00e7in sabittir. Madde 314 BGB uyar\u0131nca ola\u011fan\u00fcst\u00fc iptal durumunda, kararla\u015ft\u0131r\u0131lan faiz oran\u0131 yerine halihaz\u0131rda yat\u0131r\u0131lm\u0131\u015f olan vade i\u00e7in minimum 0,01% faiz oran\u0131 \u00f6denecektir. Halihaz\u0131rda \u00f6denmi\u015f olan sabit faiz, ola\u011fan\u00fcst\u00fc iptalin ard\u0131ndan yat\u0131r\u0131m tutar\u0131n\u0131n geri \u00f6demesinden d\u00fc\u015f\u00fclebilir. Ayr\u0131nt\u0131l\u0131 bilgi Fiyat ve Hizmet Listesi'nde (https:\/\/vakifbank.de\/de\/konditionen\/) bulunabilir. Vak\u0131fBank'\u0131n faiz teklifleri, takas hesab\u0131n\u0131n g\u00f6nderilmesinden 7 i\u015f g\u00fcn\u00fc sonras\u0131na kadar garantilidir. M\u00fc\u015fteri, s\u00f6zle\u015fmenin sona ermesinden 2 hafta \u00f6nce vade tarihi hakk\u0131nda bilgilendirilecektir. S\u00f6zle\u015fmenin bitiminden \u00f6nceki 2 i\u015f g\u00fcn\u00fc i\u00e7inde aksi y\u00f6nde bir talimat almazsak, yat\u0131r\u0131m ayn\u0131 vade i\u00e7in ve o zaman ge\u00e7erli olan faiz oran\u0131 \u00fczerinden uzat\u0131lacakt\u0131r. Bir y\u0131la kadar olan sabit vadeli mevduatlar\u0131n faiz \u00f6demeleri s\u00f6zle\u015fmenin bitiminde, \u00e7ok y\u0131ll\u0131 sabit vadeli mevduatlar\u0131n faiz \u00f6demeleri ise hesap a\u00e7\u0131l\u0131\u015f tarihinden sonra y\u0131ll\u0131k olarak yap\u0131l\u0131r. Banka, \u00f6zel bir m\u00fc\u015fteri talimat\u0131 olmaks\u0131z\u0131n faizi referans hesaba \u00f6der. Vadesi gelen faiz ve anapara \u00f6demeleri sadece referans hesaba yap\u0131l\u0131r.<\/p>\n\n\n\n

4. Y\u00f6netim<\/h3>\n\n\n\n

G\u00fcnl\u00fck ve vadeli mevduat hesaplar\u0131 telefonla, yaz\u0131l\u0131 olarak, yaz\u0131l\u0131 olarak veya internet bankac\u0131l\u0131\u011f\u0131 arac\u0131l\u0131\u011f\u0131yla y\u00f6netilir. M\u00fc\u015fteri bilgilerinde ve referans hesapta yap\u0131lacak de\u011fi\u015fiklikler yaln\u0131zca yaz\u0131l\u0131 olarak ve t\u00fcm hesap sahipleri taraf\u0131ndan imzalanarak yap\u0131lacakt\u0131r. Bankac\u0131l\u0131k i\u015flemlerinin internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilmesi m\u00fc\u015fteri ile kararla\u015ft\u0131r\u0131lm\u0131\u015fsa, adres de\u011fi\u015fiklikleri, ileti\u015fim bilgilerindeki de\u011fi\u015fiklikler, muafiyet talimatlar\u0131ndaki de\u011fi\u015fiklikler ve referans hesab\u0131ndaki de\u011fi\u015fiklikler internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden yap\u0131labilir. Hesap y\u00f6netimi \u00fccretsizdir. \u00d6zel hizmetler i\u00e7in \u00fccretler Banka'n\u0131n Fiyat ve Hizmetler Listesi'nde listelenmi\u015ftir.<\/p>\n\n\n\n

5. vadeli mevduat takas hesab\u0131n\u0131n hesap kapatma i\u015flemi<\/h3>\n\n\n\n

Takas hesab\u0131n\u0131n bir y\u0131l s\u00fcreyle ciro g\u00f6stermemesi ve cari vadeli mevduat bulunmamas\u0131 halinde, takas hesab\u0131 Vak\u0131fBank taraf\u0131ndan kapat\u0131lacak ve mevcut bakiyeler referans hesaba aktar\u0131lacakt\u0131r.<\/p>\n\n\n\n

6. emlak hesaplar\u0131 \/ vasiyetname \/ bir hesap \u00fczerinde vekaletname<\/h3>\n\n\n\n

Bir hesap sahibinin \u00f6l\u00fcm\u00fc, \u00f6l\u00fcm belgesi ibraz edilerek derhal bankaya bildirilmelidir. Banka, \u00f6l\u00fcm tarihinde kredi bakiyelerini (kanunda \u00f6ng\u00f6r\u00fclen tutardan) ve kiral\u0131k kasalar\u0131 ilgili veraset vergisi dairesine bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Hesap sahibinin \u00f6l\u00fcm\u00fc \u00fczerine hesaplar tereke olarak devam eder. Hesap yetkilendirmeleri \u00f6l\u00fcmden sonra ilgili veraset belgesi ibraz edilene kadar ge\u00e7erli kal\u0131r. Bir veya daha fazla yetkili miras\u00e7\u0131 ve lehtar, a\u00e7\u0131l\u0131\u015f protokol\u00fc veya miras\u00e7\u0131l\u0131k belgesi i\u00e7eren bir vasiyetname ile kendilerini me\u015frula\u015ft\u0131r\u0131r. Emanet hesaplardaki, tereke hesaplar\u0131ndaki ve miras\u00e7\u0131 topluluklar\u0131 hesaplar\u0131ndaki bakiyeler k\u0131smen veya tamamen temlik veya rehin edilemez. Vak\u0131fBank, teredd\u00fct halinde miras\u00e7\u0131lardan ek belge talep etme hakk\u0131n\u0131 sakl\u0131 tutar. Vekaletname sadece ger\u00e7ek bir ki\u015fiye verilebilir. M\u00fc\u015fterek hesaplarda her iki hesap sahibinin de imzas\u0131 gereklidir. Yetkilendirilen ki\u015fi bankaya vergi kimlik numaras\u0131n\u0131 bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Yetkiler vekaletname belgesinde belirtilir.<\/p>\n\n\n\n

7. sermaye kazanc\u0131 \/ muafiyeti<\/h3>\n\n\n\n

Yat\u0131r\u0131m gelirleri, sermaye kazanc\u0131 vergisi ve dayan\u0131\u015fma ek vergisi ile birlikte sabit bir oranda vergilendirilir. Bankalar m\u00fc\u015fterileri i\u00e7in bu kesintiyi yapmakla y\u00fck\u00fcml\u00fcd\u00fcr. 1 Ocak 2015'ten itibaren kilise vergisi de otomatik olarak kesilecek ve dini cemaat \u00fcyeleri taraf\u0131ndan \u00f6denecektir. Faiz gelirleri yasada \u00f6ng\u00f6r\u00fclen miktara kadar muaf tutulabilir. Tahakkuk etmeyen bir belge mevcutsa, faiz geliri kesinti olmaks\u0131z\u0131n vergiden muaft\u0131r. Takvim y\u0131l\u0131n\u0131n sonunda m\u00fc\u015fteri, vergilendirilmi\u015f\/muaf yat\u0131r\u0131m geliri i\u00e7in otomatik olarak y\u0131ll\u0131k bir vergi sertifikas\u0131 veya gelir beyan\u0131 al\u0131r.<\/p>\n\n\n\n

8. GWG'ye g\u00f6re intifa hakk\u0131 sahibi<\/h3>\n\n\n\n

Hesaplar yaln\u0131zca s\u00f6zle\u015fme orta\u011f\u0131n\u0131n veya hesap sahibinin kendi hesab\u0131 i\u00e7in a\u00e7\u0131l\u0131r. Sonu\u00e7 olarak, s\u00f6zle\u015fme taraf\u0131 veya hesap sahibi her zaman mevduat\u0131n ger\u00e7ek sahibidir.<\/p>\n\n\n\n

9. \u015fartlar ve ko\u015fullar<\/h3>\n\n\n\n

M\u00fc\u015fteri bir hesap a\u00e7arak mevcut \"Genel H\u00fck\u00fcm ve Ko\u015fullar\" ile \"Gecelik ve Vadeli Mevduatlar i\u00e7in \u00d6zel H\u00fck\u00fcm ve Ko\u015fullar\u0131\" kabul etmi\u015f olur. Bunlar bankada da g\u00f6r\u00fclebilir veya m\u00fc\u015fteriye g\u00f6nderilebilir. Yarg\u0131 yeri K\u00f6ln'd\u00fcr.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Besondere Bedingungen f\u00fcr Tagesgeld- und Termingeldanlagen (Stand: 17 M\u00e4rz 2026) Terminologie VakifBank Int. AG, Wien, Zweigniederlassung Deutschland wird als VakifBank genannt.Termingeld (oder Festgeld) ist eine Form von Geldanlage, die f\u00fcr eine bestimmte Laufzeit mit einem vereinbarten Zinssatz angelegt wird.Tagesgeld ist eine Form von Geldanlage mit t\u00e4glicher Verf\u00fcgungsm\u00f6glichkeit und einer variablen Verzinsung.Termingeldabwicklungskonto (oder Abwicklungskonto) ist ein […]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-2859","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"Huda Sabagh","author_link":"https:\/\/vakifbank.de\/tr\/author\/huda\/"},"uagb_comment_info":0,"uagb_excerpt":"Besondere Bedingungen f\u00fcr Tagesgeld- und Termingeldanlagen (Stand: 17 M\u00e4rz 2026) Terminologie VakifBank Int. AG, Wien, Zweigniederlassung Deutschland wird als VakifBank genannt.Termingeld (oder Festgeld) ist eine Form von Geldanlage, die f\u00fcr eine bestimmte Laufzeit mit einem vereinbarten Zinssatz angelegt wird.Tagesgeld ist eine Form von Geldanlage mit t\u00e4glicher Verf\u00fcgungsm\u00f6glichkeit und einer variablen Verzinsung.Termingeldabwicklungskonto (oder Abwicklungskonto) ist ein…","_links":{"self":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/2859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/comments?post=2859"}],"version-history":[{"count":18,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/2859\/revisions"}],"predecessor-version":[{"id":4761,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/2859\/revisions\/4761"}],"wp:attachment":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/media?parent=2859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}