Sorry Alper that I missed you the other day as you were at lunch. Not happy with Garanti as they have mucked up and also tell me that they only guarantee 50k TL on a joint account, whereas other banks say 100k is the norm. Is your bank Belgian owned still or by BNP of France now? and what interest rates are your bank giving presently? I have been told that Zirhaat Bank guarantees all of your money so need to check that also.