Mevduat faizlerindeki bankalar arası rekabet devam ederken, 1 milyon TL’sini kısa vadede yatırmayı planlayan tasarruf sahiplerinin elde edeceği kazanç, bankalar arasında büyük farklılıklar göstermektedir. 32 günlük vade üzerinden yapılan hesaplamalara göre, net kazanç miktarı 21 bin TL ile 33 bin TL arasında değişirken, iki banka arasındaki fark yaklaşık 12 bin TL’ye ulaşmaktadır.
Tasarruflarını vadeli mevduat hesabında değerlendirerek kazanç elde etmek isteyenler için, yalnızca ekranda görülen faiz oranına bakmak yeterli değildir. Bankaların sunduğu kampanyalar, yeni müşteri koşulları, geçerli olan faiz oranının hangi tutara kadar olduğu ve uygulanan stopaj, vade sonunda hesaba geçecek net tutarı doğrudan etkilemektedir.
BANKA BANKA 1 MİLYON TL’NİN 32 GÜNLÜK NET GETİRİSİ
| Banka |
Faiz Oranı |
Net Kazanç |
Vade Sonu Bakiye |
| ING |
%45,00 |
33.066 TL |
1.033.066 TL |
| Akbank |
%41,50 |
30.016 TL |
1.030.016 TL |
| DenizBank |
%41,50 |
30.016 TL |
1.030.016 TL |
| Nkolay |
%40,00 |
29.808 TL |
1.029.808 TL |
| Garanti BBVA |
%41,00 |
29.654 TL |
1.029.654 TL |
| Vakıf Katılım |
%39,50 |
28.968 TL |
1.028.968 TL |
| Ziraat Bankası |
%40,00 |
28.931 TL |
1.028.931 TL |
| ON Dijital |
%40,00 |
28.931 TL |
1.028.931 TL |
| Enpara |
%39,00 |
28.208 TL |
1.028.208 TL |
| İş Bankası |
%38,50 |
27.846 TL |
1.027.846 TL |
| TEB |
%44,00 |
27.472 TL |
1.027.472 TL |
| QNB |
%43,50 |
27.155 TL |
1.027.155 TL |
| Odea |
%46,00 |
27.130 TL |
1.027.130 TL |
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