Türkiye citizenship by investment: property and deposits compared by threshold, term and cost
Property and bank deposits are two investment routes to Turkish citizenship. The choice extends beyond their minimum amounts to the asset’s purpose, continuing costs and when the family may need access to its capital.
Minimum investment is not total cost or a guarantee of approval. Property requires valuation, title and sale restrictions; deposits follow conversion, currency and account rules, without an assumption of dollar holding or exchange-rate protection.
The official guide sets a minimum of US$400,000 for qualifying property and US$500,000, or equivalent foreign currency, for a bank deposit. Both carry a restriction of at least three years. The investment must then receive eligibility confirmation and the citizenship application undergo review.[1]
Minimum amounts and holding periods
| Dimension | Property | Bank deposit |
|---|---|---|
| Official threshold | US$400,000 or equivalent | US$500,000 or equivalent |
| Restriction | No resale for at least three years, recorded on title | No withdrawal for at least three years |
| Confirmation | Qualifying property and transaction attested by the relevant authority | Conditions attested by the banking regulator |
| Further checks | Use, valuation, title, upkeep and resale | Account terms, currency, restrictions and maturity |
The table follows the official guide on thresholds, restrictions and confirming authorities. Application expenses come on top of those minimum amounts, and reaching a threshold does not confer citizenship automatically.[1]
Property eligibility and the cost of ownership
A purchase has two tests: whether the property and transaction qualify for citizenship, and whether the asset suits the buyer. Authorities determine the first; location, use, price, management costs and resale prospects inform the second. A qualifying price leaves both assessments to be completed.[1]
Title, valuation, payment records and eligibility documents need examination before signing. Applicable taxes, legal work, valuation, insurance and property management should each have an itemised estimate in the budget.
Deposit terms and account currency
A deposit removes the work of selecting and managing a property, but the required funds remain unavailable for at least three years. The eligibility calculation, account currency, conversion process and eventual withdrawal or outward transfer all require attention to the applicable procedure and bank terms.[1]
Currency-protection products need to be assessed under current terms. On 23 August 2025, the central bank ended new KKM accounts and renewals, except for YUVAM. That exception does not make every citizenship applicant eligible for YUVAM or another product; the bank’s current written conditions determine eligibility.[2]
Total cost and access to capital
Property costs include the purchase, transaction and application charges, continuing ownership and eventual sale. Deposits tie up principal and add application, banking and currency costs where applicable. The gap between the minimum investments therefore does not measure the gap in total expense.
A family that may need the capital within three years should give the restriction particular weight. Property values, interest and exchange rates also need independent assessment. An investment’s eligibility for citizenship guarantees neither a return nor an exit value.
Common questions
Is property US$100,000 less expensive overall?
US$100,000 is the difference between the official minimum investments. Transaction, holding and exit expenses vary, so the difference in overall cost needs a separate calculation.[1]
Is the original capital guaranteed after three years?
The end of the three-year period does not guarantee the original amount back. Property prices depend on the market and sale terms; a deposit’s currency, withdrawal and transfer conditions follow the bank contract.
Does the qualifying investment automatically lead to a passport?
Meeting the threshold leaves eligibility confirmation, the citizenship decision and the passport application to be completed. It does not produce a passport automatically.[1]
Sources and verification
This article draws on the official sources below, checked on 24 September 2026. Policies and fees may change; the requirements applicable at the time of an individual application should be confirmed.
Conatus Mobility provides consultation and coordination services and is not a government body. This is general information, not individual legal, tax or investment advice. Services are governed by written agreement; decisions remain with the relevant authorities.
Enquire about Turkish citizenship
Discuss qualifying investments, supporting documents and the application process.
Request a consultation ↗