29.12.2025 10:46
The deadline is approaching for those who want to receive the full state contribution in the Individual Retirement System (BES) for the year 2025. For those who make payments before the end of the year, the government provides a contribution of 30% of the amount deposited, exceeding 93,000 Turkish Lira.
The last days of the year are critically important for millions of people who are included in or plan to enter the Individual Retirement System (BES). With payments made before the end of December, it becomes possible to benefit from the upper limit of the state contribution for the year 2025.
In order to fully benefit from the state contribution in BES, payments must be made before the end of the year. Otherwise, the advantages granted for this year will be missed.
STATE CONTRIBUTION AT A RATE OF 30%
In order to encourage individual retirement, the state provides a 30% support for each contribution paid into BES. For example, if a participant invests 1,000 lira into the system, the state adds 300 lira to their account. Thus, the total savings reach 1,300 lira.
WHAT IS THE UPPER LIMIT OF STATE CONTRIBUTION?
The state contribution is not unlimited. According to the regulation, this support is limited to 30% of the annual gross minimum wage.
Due to the gross minimum wage being set at 26,005 lira in 2025, if a total of 312,060 lira is paid in contributions throughout the year, the maximum state contribution that can be received is 93,618 lira.
A person making a monthly BES payment of 26,005 lira is considered to have reached the upper limit of the state contribution by the end of the year.
ONLY 3 DAYS LEFT
Those who have a BES account but have not made sufficient payments during the year can complete the missing amount before the year ends to be eligible for the state contribution of 93,618 lira. Those who do not yet have a BES can benefit from the maximum state contribution if they start the system immediately and make a payment of 312,060 lira.
ADVANTAGE OF BES THROUGH FAMILY
The Individual Retirement System can be made not only on an individual basis but also on behalf of family members. If payments for a family of three are made at the upper limit, the total state contribution can reach up to 280,854 lira.
IT IS NOT NECESSARY TO DEPOSIT THE FULL AMOUNT
To benefit from the state contribution in BES, it is not necessary to make a payment equal to the upper limit. For example, a participant who invests 100,000 lira can receive approximately 30,000 lira in state support in return.
PAYMENT METHOD IS IMPORTANT
The method used for BES payments is also of great importance. There are no issues with payments made in cash or directly from the account. However, payments made by credit card may experience delays in entering the system due to the value date.
As the year comes to an end, if payments made by credit card do not reflect in the system on time, it can lead to missing the state contribution. Therefore, experts recommend using cash or bank transfer methods for year-end payments.