After the inflation data announced in June, the minimum wage, pensions and then the salaries of civil servants were increased. After this increase, which gave pensioners a big boost, the promotional amounts exceeded 5,000 liras in some banks. So how will the retiree whose contract has not expired benefit from this promotion? Here is the answer…
HOW CAN RETIREES INCREASE THE PROMOTIONAL RATE THEY RECEIVE FROM THE BANK?
Tax expert Muhammet Bayram, who gave a statement to milliyet.com.tr on the matter, said: “Over there, the private banks all set their own rates. Promotions can be obtained at different rates in each bank. Here it varies depending on the size. of salary. The system is as follows: Two days, three days in the banks. To my knowledge, civil servants pay the bank 10 days in advance in the financial system.
Banks manage these deposited funds. It gives day-to-day interest, pensions, and banks earn money on it. Banks do business with a certain rate. Each state unit, for example, pays to the Ministry of Finance. The banks themselves agree on the environment and urban planning. For retirees, the higher the retiree’s salary, the more bonus he has.
This amount varies from one thousand lire to 5,000 lire. Therefore, the promotions that retirees will benefit from are evaluated according to the opportunities of each private bank.
The minimum pension has been increased to 3,500 lire. In fact, the bank offers more promotions as it earns more money.
CAN I REQUEST A PROMOTIONAL DIFFERENCE FROM THE BANK?
When retirees transfer their salary account from one bank to another, they sign an employment contract. As the banks conclude commitment agreements with retirees, they must pay penalty clauses. Indeed, the banks resume some of their promotions. Cancellation is subject to deduction or full refund. Here, retirees can wait until the commitment period expires.
There is the possibility of a new contract, but those who receive the promotion may have to return the old promotion if the offer is cancelled. If there is an exorbitant price difference for it, you can go to consumer arbitration boards and recover the exorbitant amount.
CAN I GET A NEW PROMOTION WITH THE BANK BEFORE THE END OF THE ENGAGEMENT?
SSI freezes pension accounts. Those who will deserve the promotion go to the bank for the removal of this SGK block. The bank says return the promo you bought and I’ll give you the promo.
If retirees cancel the contract and enter into a new contract, they will probably be able to obtain more promotions.
‘SALARY ACCOUNT CAN BE EDITED VIA E-GOVERNMENT’
The promotion can be transferred to another bank via e-Government. You enter the e-Government system and say that you are going to transfer the salary account from bank A to bank B, and the salary account is transferred automatically.
In a statement to milliyet.com.tr about this, Consumer Confederation President Aydın Ağaoğlu used the following statements:
“There has been an increase in pensions. Salary promotions paid by banks to pensioners should also increase. The minimum amount of promotions to be granted by banks from which pensioners receive salaries is determined by public authority.
‘THE PROMOTION MAY BE ENDED BEFORE THE TIME EXPIRES’
Pensioners can go to the banks where they are currently receiving a salary and terminate the contract before the expiration of the promotion period they used to do and request that a promotional commission be paid to them on the new values .
For example, we bought 1500 lira for 3 years. 2 years have passed, we broke it 1 year before. We can return from the contract by refunding the promotional costs corresponding to these months, if there are several months left. For example, if we receive 1500 lira for a 36 month contract. If 24 months have passed, we will refund you 500 lira for the remaining 12 months. We can research the new promotion amount from the banks and request the transfer of your pension to the bank of your choice. For example, they took 490 lira from me and deposited 4000 lira.
IMPORTANT ADVICE FOR RETIREES!
At this point, our advice to retirees is to contact the bank from which they receive a salary and ask how much promotion fee will be paid at this time if they terminate their old contract.
IS THERE A LOWER LIMIT ON PENSION PROMOTIONS?
The lower limit of the determined salary to be paid to pensioners at the banks where pensions are collected should be determined by public authority, but the means of paying higher salaries should be provided in a perfectly competitive environment. Namely, the person who receives a high salary, keeps his pension in the bank and does not withdraw it immediately, and the person who withdraws the money as soon as the pension is paid and pays his bills and expenses should not be the same .
Because banks make money by managing the money of their customers who have balances in their accounts. At this stage, the fact that the high-wage retiree and the low-wage retiree receive the same promotion creates an imbalance.
“THEY SHOULD GET MORE PROMOTIONS THAT KEEP MONEY IN THE BANK LONGER”
In addition, the promotion of the pensioner who withdrew his salary from the past and the pensioner who keeps it in the account should also be different. The minimum promotion determined by the public authority should be granted to all, but pensioners who keep their money longer in the bank and who have higher salaries should naturally receive a higher promotion bonus.
HOW MUCH IS THE UPPER LIMIT OF THE PROMOTION?
There is no upper limit. It is the consumers who enable this in a perfectly competitive environment. In other words, retired consumers should search all banks and defer their salary to the bank that made the highest bid.
It is also possible to change the salary account via e-Government. But since the engagement is broken, they have to make the payment. Retired consumers should go to the customer representatives of the bank branches where they receive their pensions and find out how much promotion fee will be paid to them, then collect offers from other banks and transfer the pension to the bank paying the highest promotion costs.
The important thing for banks is not that the pension is deposited there, but the period for which the pension is kept in the current account and the amount deposited determines the income that the bank will provide to the pensioner’s account. Therefore, although the lower limit has been determined, there is no upper limit.
“THERE MUST BE A DIFFERENCE BETWEEN WHO TAKES 3,000 LIRE AND 9,000 LIRE”
For example, the amount of the promotion of the person who receives a pension of 3000 lira and a pension of 9000 lira should of course be different. If the pensioner does not follow this situation, the banks do not automatically offer these rights to pensioners.
Both retired officers, Bağkur and SSK pensioners can become members of retired officer Sen. Members of these non-governmental organizations can increase the bargaining power of banks by acting together. Because Memur-Sen negotiates with banks and I have 100,000 members. When he says he will carry it to you, his hand will get stronger.
However, pensioners can also increase the promotional amounts they will demand from banks taking into account the average length of their individual accounts in the account.
Now that we are in the information age, every bank can see who keeps the account for how long on the internet, so they create a ladder for retirees who are customers of the bank.
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