Pot rate today: 39.5% a year, before tax
Everyday money, kept calm.
Fernway sets the bills aside before payday spending starts, pays interest on every pot each day, and keeps every lira safeguarded 1:1 at a partner bank.
4.821,400 reviews on the app storesiOS 16+ and Android 10+
- Licensed e-money institutionLicence no. 00/000 (fictional)
- Safeguarded 1:1Held apart at a partner bank
- ISO/IEC 27001Information security, audited yearly
- PCI DSS Level 1Card data never touches our apps
- KVKK by designWe never sell or rent your data
What it does
Four habits, done for you
Nothing to learn. Fernway runs the routine money tasks most households mean to do and rarely get to.
Pots that earn every day
Up to 10 pots, each with its own goal. Interest is worked out daily and paid on the 1st; take money out any time, no notice period.
One budget for the household
Invite a partner or a parent. Shared pots and shared bills, with each person’s own card and own privacy.
Bills, three days early
Rent, dues and utilities are set aside before payday spending starts, and you get a reminder three days before each one leaves.
Freeze a card in one tap
Freeze, unfreeze or replace a card from the app. Online, contactless and ATM use can be switched off separately.
Goal planner
When will you get there?
Pick a goal and move the sliders. The pot grows with the interest it earns, compounded monthly after the withholding tax.
Saving for
₺400,000
Each month
For
- Pot balance
- ₺498,387
- You put in
- ₺360,000
- Interest earned
- +₺138,387
You reach ₺400,000 in August 2028.
Dec 26 – Nov 28. Pot balance: low ₺15k (Dec 26), high ₺498.4k (Nov 28), average ₺233.1k. You put in: low ₺15k (Dec 26), high ₺360k (Nov 28), average ₺187.5k.
| Month | Pot balance | You put in |
|---|---|---|
| Dec 26 | ₺15k | ₺15k |
| Jan 27 | ₺30.4k | ₺30k |
| Feb 27 | ₺46.2k | ₺45k |
| Mar 27 | ₺62.5k | ₺60k |
| Apr 27 | ₺79.2k | ₺75k |
| May 27 | ₺96.3k | ₺90k |
| Jun 27 | ₺114k | ₺105k |
| Jul 27 | ₺132k | ₺120k |
| Aug 27 | ₺150.6k | ₺135k |
| Sept 27 | ₺169.7k | ₺150k |
| Oct 27 | ₺189.3k | ₺165k |
| Nov 27 | ₺209.5k | ₺180k |
| Dec 27 | ₺230.2k | ₺195k |
| Jan 28 | ₺251.4k | ₺210k |
| Feb 28 | ₺273.2k | ₺225k |
| Mar 28 | ₺295.7k | ₺240k |
| Apr 28 | ₺318.7k | ₺255k |
| May 28 | ₺342.3k | ₺270k |
| Jun 28 | ₺366.6k | ₺285k |
| Jul 28 | ₺391.6k | ₺300k |
| Aug 28 | ₺417.2k | ₺315k |
| Sept 28 | ₺443.6k | ₺330k |
| Oct 28 | ₺470.6k | ₺345k |
| Nov 28 | ₺498.4k | ₺360k |
Illustration only, not an offer. Assumes 39.5% a year gross, 17.5% withholding tax and an unchanged rate; first deposit December 2026. Rates can change.
In figures
Quietly, at scale
- households use Fernway
- 214,000
- Source: Company data, October 2026
- safeguarded at our partner bank
- 4.1bn ₺ bn ₺
- Source: Company data, October 2026
- uptime over the last 12 months
- 99.97% percent
- Source: Company data, October 2026
- median wait for a person in chat
- 38s s
- Source: Company data, October 2026
We moved the rent, the dues and our holiday savings over in one evening. For the first time in years, nothing surprises us on the 1st of the month.
Questions
Before you move your salary
Can’t find your question?Ask a person
Is my money safe if Fernway goes out of business?
Yes. Customer money is not ours to lend. It is held 1:1 in a separate safeguarding account at our partner bank and would be returned to you by an administrator. Safeguarding is not the same as deposit insurance — we explain the difference on the security page.
How is pot interest calculated?
Daily, on the balance at the end of each day, and paid on the 1st of the month. The current illustrative rate is 39.5% a year before the 17.5% withholding tax. Rates can change; we give 30 days’ notice of any cut.
What do I need to open an account?
A Turkish ID card (or a residence permit), a phone number in your name and about six minutes for the video check. Accounts are for people 18 and over.
Can I leave whenever I want?
Yes. Move your balance out and close the account from Settings; there is no closing fee and no minimum term on any plan.
Open an account in about six minutes
Free on Essential. Your ID, your phone and a short video check.
Fernway is a fictional brand used to demonstrate this template.