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Early withdrawal revokes citizenship already granted

Citizenship by investment
via bank deposit in Türkiye

A deposit from $500,000 in a Turkish bank for 3 years — a financial alternative to real estate ($400,000). The same amount and logic apply to government bonds and investment-fund units.

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Deposit from
$500,000
Holding period
3 years, for all routes
Interest/coupons
available during the term
On early withdrawal
citizenship revoked

Four financial routes — the same amount

Besides real estate ($400,000, a separate programme), Turkish CBI accepts three financial instruments at the same $500,000 level, plus a job-creation route with no dollar threshold.

ROUTE
THRESHOLD
WHO VERIFIES
Bank deposit
THRESHOLDfrom $500,000, 3 years
Banking Regulation and Supervision Agency (BRSA)
Government bonds
THRESHOLDfrom $500,000, 3 years
Turkish Ministry of Treasury and Finance
Real estate/venture capital fund units
THRESHOLDfrom $500,000, 3 years
Capital Markets Board of Turkey
Job creation
THRESHOLD50 jobs for Turkish citizens
no dollar threshold — a different logic entirely

What you can and can’t do with the deposit

Holding conditions are the same across all three financial routes — the only difference is the verifying authority.

CONDITION
RULE
CONSEQUENCE
Interest/coupon payments
RULEavailable to the applicant during the term
do not affect status
Deposit currency
RULElira, dollars, or other convertible currency
applicant’s choice
Early withdrawal of principal
RULEprohibited for 3 years
revocation of already-granted citizenship under Art. 13, Law No. 5901

How the process runs

01
Choosing a financial route
Deposit, government bonds, or fund units — the same $500,000 amount, a different verifying authority.
02
Placing the funds
In a Turkish bank, government bonds, or a fund — with official verification by the relevant regulator.
03
Receiving regulator confirmation
BRSA, the Ministry of Finance, or the Capital Markets Board, depending on the chosen route.
04
Filing for citizenship
With investment documents and regulator confirmation.
05
Maintaining the investment for 3 years
A mandatory condition — early withdrawal revokes already-granted citizenship.

A good fit if

You prefer a financial instrument over real estate — then a deposit, government bonds, or fund units are available, all from $500,000.
Keeping access to interest/coupons during the 3-year period matters — this is allowed on all financial routes.
You can guarantee not touching the principal for 3 years — early withdrawal revokes already-granted citizenship.
You are planning the job-creation route (50 jobs for Turkish citizens) — then no dollar threshold applies at all.

A poor fit if

Your capital is below $500,000 — none of the three financial routes is covered (real estate is cheaper, from $400,000 — see the separate programme).
You are not certain the funds won’t be needed before 3 years — this is a legal condition for keeping citizenship, not a recommendation.
You plan to add a spouse/children on top of the standard threshold — in fact a spouse and children under 18 are included in the application at no extra amount, worth confirming in advance to avoid overpaying.
You are relying on an outdated figure below $500,000 from an old source — this is the current 2026 threshold.

Who runs this programme

Your request goes to two or three firms from this list. You see exactly which ones before it is sent, and you can exclude any of them.

Henley & Partners
Лондон, Великобритания · since 1997
The largest advisory firm in the industry — over 70 offices worldwide; also advises governments on designing migration programmes.
NTL Trust
Карибский регион (офисы в Латинской Америке, Европе, на Ближнем Востоке и в Азии) · since 1994
30+ years in citizenship and residence by investment, officially accredited by several Caribbean governments; also trust and corporate services.
Arton Capital
Монреаль, Канада · since 2006
Global financial advisory firm specialising in residence and citizenship by investment.
Astons
Дубай, ОАЭ (основана в Лондоне) · since 1989
One of the oldest firms in the market, over 9,000 clients from 100+ countries; Golden Visa, citizenship and RBI worldwide.
CS Global Partners
Лондон (Мэйфэр), Великобритания · since 2012
Holds an official government mandate to promote the citizenship-by-investment programmes of St Kitts & Nevis, Dominica, and Saint Lucia.
Savory & Partners
Дубай, ОАЭ · since 2009
Over 70 specialists across 8 offices on three continents, 20+ jurisdictions, over 11,000 clients.

This is an independent list of firms in the market, not our partners — we do not forward requests to them or receive payment for referrals. Contact them directly via the link.

Frequent questions

Why can’t the deposit be withdrawn before 3 years?

This is not a banking condition but an immigration one — Law No. 5901, Art. 13 explicitly provides for revoking already-granted Turkish citizenship on early withdrawal of the principal. This applies to all financial CBI routes.

Can I still earn interest on the deposit during the holding period?

Yes — interest and coupon payments remain available to the applicant throughout the 3-year term; the restriction applies only to the principal.

How do the three financial routes differ from each other?

Not by amount — all three ($500,000) are verified by different authorities: deposit by BRSA, government bonds by the Ministry of Finance, fund units by the Capital Markets Board. The choice depends on asset-type preference, not entry price.

Why doesn’t the job-creation route have a dollar figure?

Because the criterion there is fundamentally different — not the amount of capital, but actually creating 50 jobs for Turkish citizens, verified differently from financial contributions.

Is there an extra charge for a spouse and children?

No — a spouse and children under 18 are included in the principal investor’s application at no additional threshold.

How does this differ from the real-estate route?

Real estate (a separate programme on this site) is cheaper, from $400,000, while all three financial routes start at $500,000.

Sources

Legal 500 — complete legal guide to Turkish citizenship by investment for 2026↗

Figures are for reference only. Verified against official sources on 27 August 2026. A precise quote is issued by the appointed firm after document review. This material is not legal advice, a public offer or investment advice.