Hesapkurdu review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Hesapkurdu is a Turkish comparison service for fixed, on demand and notice deposits, and it suits savers who want a high headline rate on a term deposit with no account cost. Headline rates run 23% to 44%, well above the 3% typical of the savings accounts we track.
Key facts
- Best for
- Savers in Turkey who want a term deposit rate without a monthly fee.
- Headline rate
- 23% to 44%↗
- Rate type
- Variable↗
- Term
- 1 to 12 months↗
- Minimum deposit
- TRY 500↗
- Access terms
- Deposits compared are time deposits (money locked for the term, interest lost if withdrawn early), on-demand deposits and notice deposits with 7 days written notice↗
- Monthly fee
- TRY 0↗
- Account kind
- Fixed↗
- Legal entity
- Hesapkurdu Teknoloji A.S.↗
- Headquarters
- Turkey↗
- Founded
- 2010↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- hesapkurdu.com
Everyday accounts
- Audience
- Business, Students
- Features
- Digital-only
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- No monthly fee: TRY 0 to hold the account
- High interest on fixed term deposits, 23% to 44%
- Choice of access: time deposits, on demand and notice deposits
- Support by email, phone and help centre
Cons
- Money in a time deposit is locked for the term, and interest is lost if you withdraw early
- The TRY 500 opening balance is far above the €21.14 typical on the site
- Digital only is the sole feature listed for the service (digital only), so everything is handled through the app
Who it suits
- Savers in Turkey with money to leave untouched for a term
- Businesses holding a reserve in Turkish lira
- Students starting a first balance
Who should look elsewhere
- Anyone needing instant access to a large balance, since the cheapest rates sit on time deposits
- People who want face to face service, as Hesapkurdu is digital only
- Holders who need branches or cash handling, which the digital only model does not cover
Fees and currency costs
Holding a Hesapkurdu deposit costs TRY 0 each month, and the no monthly fee and fixed rate model means no account keeping charge to worry about. The commitment that matters is the opening balance: a TRY 500 minimum sits well above the €21.14 seen across the savings accounts here, so the saving only makes sense once that sum is genuinely spare. Withdraw early and the interest on a time deposit is lost.
Rates and terms
Interest on the deposits compared runs 23% to 44%, a wide spread that reflects the mix of banks and terms on the table rather than a single promised return. The rate type is variable, so returns follow the central bank's policy path rather than staying locked in. Terms last 1 to 12, and access ranges from locked time deposits through on demand money to notice deposits that need written notice before you take the cash out.
How Hesapkurdu compares
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8.9 vs 9.0
Where Hesapkurdu is available
- Available
- Turkey
- Licence in Turkey
- BDDK (Banking Regulation and Supervision Agency of Turkey), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Hesapkurdu deposit cost to hold?+
There is no monthly account fee: TRY 0 is what the account carries. The real commitment is the TRY 500 opening balance, which is well above the €21.14 typical of the savings accounts on this site.
What interest do Hesapkurdu deposits pay?+
The deposits compared pay 23% to 44%, with a variable rate type. That range sits well above the 3% median across the savings accounts tracked here, though the exact rate depends on the bank and term behind each offer.
How long do I have to leave my money in?+
Terms run 1 to 12. A time deposit locks the money for the full term, and withdrawing early means losing the interest, so choose a term you can genuinely leave alone.
Can I get at my money early?+
The deposits compared include on demand money and notice deposits that need a written notice period before withdrawal, so not every balance is locked. The quickest access comes with less time for the money to earn.
Who regulates Hesapkurdu?+
The operation sits in Turkey, where the regulator is BDDK (Banking Regulation and Supervision Agency of Turkey). Hesapkurdu works as the comparison layer over banks and products in that market rather than replacing the licensed banks themselves.
Is Hesapkurdu only for businesses?+
The service is aimed at business and student savers, so both groups feature. Students fit the no fee fixed deposit, while businesses can use the term deposits to hold a reserve.
How do I get help if something goes wrong?+
Support runs on email, phone and help centre, so you can reach the team by phone, by email or through the help centre. The service is digital only, which means support is online and by phone rather than at a counter.
When was Hesapkurdu founded?+
The company has been trading since 2010, which gives some history behind a service that many savers meet for the first time. It is a young operation compared with the long established banks whose deposits it lists.
Sources
- hesapkurdu.com checked September 26, 2026
Backs: Audience, Features, Monthly fee
“KOBİ Kredisi, Ticari Hesap Açma Fırsatları, Öğrenci Kartları”
- hesapkurdu.com checked September 26, 2026
Backs: Licences
- hesapkurdu.com/hakkimizda checked September 26, 2026
Backs: Founded
- hesapkurdu.com/iletisim checked September 26, 2026
Backs: Headquarters, Support channels
“Barbaros Mahallesi Sebboy Sokak No:4/1 Ice Kapi No:77 Atasehir/Istanbul - Hesapkurdu Teknoloji A.S., Ticaret Sicil Numarasi: 749110”
- hesapkurdu.com/kosullar-ve-gizlilik checked September 26, 2026
Backs: Legal entity
“Site'nin sahibi Barbaros Mahallesi Sebboy Sokak No:4/1 Ice Kapi No:77 Ataşehir, Istanbul adresinde ikamet eden Hesapkurdu Teknoloji A.S.”
- hesapkurdu.com/mevduat checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Min. Mevduat Faiz Orani % 23 ... Max. Mevduat Faiz Orani % 44 (deposit rate table dated 26 Eylul 2026)”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Hesapkurdu
Savers in Turkey who want a term deposit rate without a monthly fee.