KT Participation Account
Invest with a plan.
Grow with perspective.
Building wealth often starts with a single step. With the KT Participation Account, you choose a solution designed for long-term thinking and attractive participation opportunities.
Open an account
KT Participation Account
Your money works.
You share in the profit.
Put your savings to work from just €200 – invested in the real economy in line with your values. You receive a fixed share of the profit generated, with no fees at all.
From €200
Get started with small amounts.
3 to 36 months
Choose the term that fits your plans.
Up to 98%
Your share of the net profit generated.
How it works
Invest together.
Profit together.
Your deposit is invested exclusively in Islamic-compliant areas of the real economy. The profit generated is shared according to a ratio agreed in advance – the higher the amount and the longer the term, the bigger your share.
- Real economy
- Fixed profit-sharing ratio
- Islamic-compliant
Your profit share
Invest more.
Receive more.
Sample participation rates – your share of the net profit generated with your deposit.
From €200
Classic
89%
Profit share at 36 months
- 3 months73%
- 6 months78%
- 12 months83%
- 24 months85%
- 36 months89%
From €10,000
Silver
91%
Profit share at 36 months
- 3 months77%
- 6 months82%
- 12 months87%
- 24 months89%
- 36 months91%
From €50,000
Gold
95%
Profit share at 36 months
- 3 months81%
- 6 months86%
- 12 months91%
- 24 months93%
- 36 months95%
From €250,000
Platinum
98%
Profit share at 36 months
- 3 months85%
- 6 months90%
- 12 months94%
- 24 months96%
- 36 months98%
Example: with a deposit of €10,000 and a term of 36 months, you receive 91% of the net profit generated. Rates are examples; future returns cannot be guaranteed.
What could your savings earn?
Choose amount and term – and see your potential return instantly.
Saving that matches your values.
Transparent, flexible and free of charge.
Flexible terms
From 3 to 36 months – you decide how long your money works.
Start small
You can join from just €200.
No fees
No account fees and no hidden costs.
Cancellable after 3 months
After the minimum term, you can cancel at any time.
All in the app
Open, manage and track your return – online or on mobile.
Islamic-compliant
Reviewed and certified under Islamic law. View certificate
In three steps
Getting started is easy.
Fully digital – no paperwork.
Open a current account
Open the free KT Current Account online or in the app – your Participation Account is linked to it.
Receive your login details
Once your account is open, log in to online or mobile banking.
Create your Participation Account
Go to “Accounts” → “Open account” and select the Participation Account – done.
Already a customer? Open your Participation Account directly in online or mobile banking.
Always in view
Your return.
Right in the app.
Term, deposit and profit share – all clearly laid out in KT online and mobile banking. Your credits are paid automatically into your current account.
Here for you
Questions?
We are happy to advise you.
Which term suits you best? Our advisors take the time to help – by phone, by email or in one of our branches.
Ready?
Let your money
work for you.
Open your free current account and start your Participation Account in just a few steps.
The KT Participation Account is not covered by the statutory deposit guarantee scheme. The participation rates shown are examples. Future returns cannot be guaranteed and may be higher or lower depending on business performance. A KT Current Account is required.
