At a glance

Quick facts

Minimum investment: $500,000; Currency: USD

Typical timeline: 6 months; From application start

Highlights

Turkey citizenship
private pension Turkey
Turkish passport
investment

Program

Program specifics

Route type: Bond; Eligible investment pathway

Holding period: 36 months(~3 yrs); Minimum asset retention

Last updated: Oct 1, 2026; Subject to regulatory change

Information is indicative and may change; confirm current terms with an advisor.

Program overview

Contributing USD 500,000 to a Turkish private pension system and remaining in it for three years qualifies you, your spouse and your children under 18 or dependent for Turkish citizenship.

This route was added on 13 May 2022 by the same Presidential Decision that raised the property threshold to USD 400,000.

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Quick eligibility check

Answer 4 short questions. No data is sent to our servers.

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1Capital for a USD 500,000 pension contribution available?

Yes

No

2Clean background and KYC documents ready?

Yes

No

3Can you transfer the funds in US dollars, euro, pounds sterling or Swiss francs?

Yes

No

4If you are an Indian citizen, do you accept that Indian citizenship ends on acquisition?

Yes

No

Select answers above to get an instant indication and tailored next steps.

Eligibility

Be at least 18 years old.
Clean criminal record and pass thorough due diligence screenings.
No impediment on national-security or public-order grounds (Law 5901, Article 12).
Contribute at least USD 500,000 to a Turkish private pension system and remain in it for three years.

Key benefits

Around 6 months from application to passport on XIPHIAS files. No Turkish government source publishes an overall processing time.
Türkiye permits dual citizenship and requires no renunciation. India does not — see what this means for an Indian passport.
No prior residency requirement in Türkiye.
Visa-free or visa-on-arrival travel to 113 countries.
Family inclusion: your spouse, and children under 18 or dependent. Parents cannot be included.
Nothing to find, value, maintain or resell — administratively the simplest of the seven routes.
Türkiye is a US E-2 treaty country (in force since 18 May 1990). India is not.

Who this program is NOT for

Incomplete or falsified documentation.
Unclear source of funds.

Not a match? Explore other programs in Turkey.

Costs & proof of funds

Costs & funds

Program fees & proof of funds

Estimated program totals

USD: $500,000

Detailed fee table

Program fee breakdown with price, timing and notes.
Item	Price	When	Notes
Private pension contribution (minimum)	$500,000	—	One qualifying investment covers the principal applicant, the spouse, and children under 18 or dependent. Held in the private pension system for three years.

Swipe horizontally to see all columns.

We’ll share a personalized cost sheet after your pre-screen.

Estimates only — final costs may vary by case & government updates.

Cost estimator

Calculator

Cost estimator

Indicative estimate. Excludes exchange/transfer charges and third-party legal costs. Official fees may change without notice.

Choose a base option

Private pension contribution (minimum)$500,000

Family size

Adults (incl. principal)

Children (<18)

Summary

Private pension contribution (minimum)

fixed • Qty 1

$500,000

Estimated total

$500,000

Disclosure

Risk & compliance

Please read carefully. These notes are informational and do not constitute legal or financial advice.

Risk notes

3 items

Indian citizenship ends automatically on acquiring Turkish citizenship. Read what this means for an Indian passport before committing funds.
You must remain in the private pension system for three years without a break. Exiting early breaks the qualification.
Once the foreign currency sale to the Central Bank completes it cannot be reversed or cancelled.

Compliance

8 items

Article 20(2)(f) requires a contribution of at least USD 500,000 to a private pension system, held for three years. Certifying authority: the Insurance and Private Pension Regulation and Supervision Agency (SEDDK).
This route was added by Presidential Decision 5554, effective 13 May 2022 — the same instrument that raised the property threshold to USD 400,000.
Article 20(8) allows switching between investment types to complete the three-year period.
For the property, bank deposit, government debt, fund and pension routes, the foreign currency must be sold to a Turkish bank and by that bank to the Central Bank of Türkiye before the transaction. This does not apply to the fixed capital or job creation routes.
Only US dollars, euro, pounds sterling and Swiss francs are accepted for that conversion.
The USD threshold is tested at the Central Bank effective selling rate and/or cross rate on the determination date (tespit tarihi) — not the contract date and not the application date.
Law 5901 Article 12 includes the foreign spouse, and the applicant’s and spouse’s children who are under 18 or dependent. Parents cannot be included.
The 6 month timeline shown is XIPHIAS’s own observed average. No Turkish government source publishes an overall processing time for this programme.

Checklist

Document checklist

10 total items

Documents vary by family profile; we’ll tailor your list.

Identity & Civil

3 items

Passport copies (valid ≥ 12 months)
Birth and marriage certificates
National ID / residential proof

Financial & Source of Funds

3 items

Bank statements (6–12 months)
Proof of legal source of funds
Bank reference letters

Compliance

2 items

Police clearance / Interpol certificate
Passport-size photos

Investment Proof

2 items

Private pension contract and contribution confirmation
Certificate of conformity from SEDDK

Snapshot

Eligible dependents

2 of 4 categories included

IncludedNot included

Spouse: Included
Yes
Children: Up to 18 years18
Yes
Parents: Not included
No
Siblings: Not included
No

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Private Pension Contribution — Turkey Citizenship by Investment

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Eligibility

Key benefits

Who this program is NOT for

Costs & proof of funds

Program fees & proof of funds

Cost estimator

Cost estimator

Choose a base option

Family size

Summary

Risk & compliance

Risk notes

Compliance

Document checklist

Eligible dependents

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