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Enpara Bank review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Enpara Bank gives you a free savings account that pays interest every day, which suits teens and students in Turkey who want their money to earn something. Costs sit at TRY 0 a month and the account is easy-access, so you can reach your money without giving up the rate.

Key facts

Best for
A free, interest-paying savings account you can dip into daily in Turkey.
Monthly fee
TRY 0↗
Currency conversion fee
3%↗
Currencies
3↗
Free ATM withdrawals
TRY 0↗
Transfer fee
TL transfers (EFT, FAST, havale) 0.00 TL; SWIFT outgoing 466.50 TL, incoming 151.00 TL equivalent↗
Legal entity
Enpara Bank A.S.↗
Headquarters
Turkey↗
Founded
2012↗
Support channels
Phone, Email↗
Audience
Teens
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
enpara.com

Savings

Headline rate
26.75% to 36.75%↗
Rate type
Variable↗
Minimum deposit
TRY 0↗
Access terms
Daily interest credited next morning; TL only; deposits and withdrawals daily 05:00-23:00 with no interest penalty; withdrawals to the non-interest-bearing TL account or QNB ATM; no direct payments or spending from the account↗
Account kind
Easy access↗

Money transfer

Payout methods
Bank, Card, Cash-pickup↗
Fee to send 1,000
TRY 0↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
Wikidata

Pros and cons

Pros

  • Interest is credited the next morning, so your balance starts earning the day it lands
  • No monthly fee of TRY 0 and no minimum deposit of TRY 0
  • Free ATM use with an allowance of TRY 0, and withdrawals carry no interest penalty
  • Ranks 1 of 500 brands on monthly fee

Cons

  • You cannot pay directly or spend from the account, since it holds savings only
  • Support runs on phone and email only, with no branch or chat option
  • A currency conversion fee of 3% sits well above the site median of 0.5%
Enpara Bank

Ready to try Enpara Bank?

Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Teens in Turkey who want an account with no monthly fee and no minimum deposit
  • Students and first-time savers who check their balance every day
  • Anyone happy to keep a Turkish lira balance and withdraw when needed

Who should look elsewhere

  • People who want to spend or pay bills straight from the account
  • Anyone planning to hold many currencies, with 3 available
  • People who want a branch or live chat, since support runs on phone and email only

Where it sits among rivals

On monthly fee, Enpara Bank sits at 1 of 500 brands compared, with nothing to pay each month. On currency conversion fee it ranks 262 of 312, so converting money away from the lira costs more than at most rivals. The picture is clear: cheap to hold, pricier to convert.

Rates and terms

The account pays a variable rate of 26.75% to 36.75%, so the figure moves rather than being locked in. Interest is credited the next morning, deposits and withdrawals run daily, and there is no penalty for taking money out. It is an easy-access account, which fits anyone who wants interest without tying the money up.

How Enpara Bank compares

Frequently asked questions

What does Enpara Bank cost each month?+

The monthly fee is TRY 0, so there is nothing to pay to keep the account open. Withdrawals also carry no interest penalty, which means taking money out does not cost you the rate you earned. It is a low-cost way to hold savings.

How is the interest paid on the account?+

Interest is calculated daily and credited the next morning, so your balance starts working as soon as the money lands. The rate is variable at 26.75% to 36.75%, which means it can rise or fall rather than being fixed for a term.

Can I spend from the account or pay bills?+

No. This account is for savings only: there are no direct payments and no spending from it. Money comes out by withdrawal to your non-interest-bearing lira account or through a QNB cash machine.

How do I get money in and out?+

Deposits and withdrawals both run daily, and withdrawals go to your non-interest-bearing lira account or a QNB cash machine. The free ATM allowance is TRY 0, so taking out cash costs nothing.

Is there a minimum amount I need to save?+

No. The minimum deposit is TRY 0, so you can open the account and start saving without putting a set amount in first. That makes it easier for students and younger customers building a balance gradually.

How much does converting currency cost?+

The currency conversion fee is 3%, which is above the site median of 0.5%. The account itself works in lira only, and 3 currencies are available overall, so converting is the part to watch.

What kind of support can I get?+

Support runs on phone and email only, so you can call or email. There is no branch network and no live chat listed, which matters if you prefer to sort a question face to face.

Is the account a good fit for a teen or student?+

It fits well. There is no monthly fee of TRY 0 and no minimum deposit, and the account is built for easy access, so a student can watch the balance grow daily and dip in when needed.

Sources

  • enpara.com checked September 26, 2026

    Backs: Audience, Pricing model, Monthly fee

  • enpara.com/hakkimizda checked September 26, 2026

    Backs: Founded

  • enpara.com/hesaplar/birikim-hesabi checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type

    “Gunluk faiz kazandiran Birikim hesabiyla hayallerinizi gerceklestirebilirsiniz”

  • enpara.com/hesaplar/mevduat-faiz-oranlari checked September 26, 2026

    Backs: Currencies

    “TL USD EUR”

  • enpara.com/iletisim checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Adres: Esentepe Mah. Buyukdere Cad. No: 215 Sisli/Istanbul”

  • enpara.com/ucretler checked September 26, 2026

    Backs: Free ATM withdrawals, Features, Currency conversion fee, Payout methods, Transfer fee, Fee to send 1,000

    “QNB ATM'lerinden yapilan tum islemler 0,00 TL (Ucretsiz)”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection.

Enpara Bank

Enpara Bank

A free, interest-paying savings account you can dip into daily in Turkey.

8.6/10See alternatives