BNP Paribas Cardif introduces a rewarding year-end BES campaign, offering exclusive benefits and incentives for dedicated savers.
BNP Paribas Cardif Pension Inc., a prominent name in Turkey’s insurance and private pension sector, has introduced a new initiative to empower its customers’ savings. Beginning on November 1, the company unveiled its campaign titled “We’ll Contribute to Your Savings!”, crafted specifically for participants in the Individual Pension System (BES). With this campaign, customers who deposit a single contribution or initial capital payment of at least 100,000 TL receive an additional benefit of up to 2,500 TL.
This attractive incentive enhances the appeal of BNP Paribas Cardif’s BES plan, especially when combined with the government’s state contribution. For 2025, the state contribution cap has been set at 312,066 TL. Correspondingly, participants can receive up to 93,619.8 TL in state contributions. Those making single contributions of 100,000 TL or more can thus maximize both the company’s reward and the state’s incentive—making this campaign particularly beneficial for long-term investors.
BES customers may participate in this campaign, running until December 31, through various channels such as the online branch, Cepte Cardif mobile app, the dedicated customer hotline, or through authorized agents. Payments can be easily made via bank transfer or credit card, ensuring flexibility and convenience for contributors.
The Individual Pension System continues to grow as one of the most effective personal savings models in Turkey. Enhanced by state-backed contributions, transparency, and professional fund management, BES attracts increasing attention every year. Milestones such as the inclusion of participants under 18, the launch of the BEFAS platform, and raising the state contribution rate from 25% to 30% have all contributed to its expansion.
Based on data from the Pension Supervision Center (EGM) dated October 17, 2025, the number of voluntary BES participants has reached nearly 10 million, totaling 1 trillion 658 billion TL in participant funds. When combined with approximately 192 billion TL in state contributions, the system’s overall fund size now exceeds 1 trillion 850 billion TL. This upward trend is expected to continue, pushing the number of participants beyond 10 million before the year ends.
BNP Paribas Cardif Pension, known for its innovative approach, continues to grow its customer base and fund volume in harmony with the overall market. Through its cooperation with TEB Portfolio Management, the company ensures professional and transparent fund management for all BES participants. Customer-centered strategies, regular updates on fund performance, and accessible digital channels define BNP Paribas Cardif’s modern approach to pension savings.
In pursuit of digital innovation, the company launched its digital BES solution to make pension enrollment even simpler. Since April 2025, even new customers can join BNP Paribas Cardif’s BES through its e-branch or CepteCardif app. These digital platforms offer an effortless way for individuals to plan their retirement and secure their future from anywhere, at any time.
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