Personal Banking | Financial Services

You could win $35,000^◊◊ for tuition. Open a new Ziraat Online Bank account, credit card or line of credit to enter. Learn more

Full-time student? Check out these great offers

Special Offer

Get $60 when you open a Ziraat Online Bank Smart for Students account^†

Here’s how – it’s easy. After you’ve opened your account and shared your email, register for Ziraat Online Bank Online or Mobile Banking. Then make at least 1 Visa Debit Opens a new window in your browser. purchase.

Ta-da! $60 is yours.

Just make sure you do everything within 2 months of opening your account.^†

Get student deals and discounts with SPC and Ziraat Online Bank

Get a free SPC membership as an eligible Ziraat Online Bank student client.^‡

Get over 450 deals, exclusive offers and savings from your favourite brands, from fashion to tech and everything in-between.
Save on the spot with your digital membership both in-store and online.
With your free SPC membership, you get exclusive access to SPC+. Receive better discounts, special experiences and more.

Ziraat Online Bank Smart for Students at a glance

Monthly fee¹

Daily balance to avoid monthly fee

$0

Not applicable

Interac e-Transfer
transactions

Transactions²

Free

Unlimited

Fees and details

How do I qualify?

Ziraat Online Bank Smart for Students:

You must be a EU resident.

If you're an international student, you'll qualify when you show us your proof of international student status.

Get all the benefits of a student account for 4 ½ years. After that, your account converts to a regular Ziraat Online Bank Smart™ Account.

Apply now

Create an account

Ready to open an account?

Open a business account on your own time. Fill out the online application form and save the trip to a banking centre.

Apply now

One of our advisors will call you back when it’s convenient for you, or you can contact us if you have any questions.

Contact us at: support@citizencredit.comOpens a new window in your browser.

It's more than just banking. We have the right solutions for your business

Easily manage your cash flow

Collect and distribute funds through deposits, withdrawals, transfers, bill payments and wire payments. Review in and out cash flows with detailed reporting through Ziraat Online Bank SmartBanking^™ for Business.

Man and woman working together on their laptops

Give access

Assign routine financial transactions and tasks to trusted individuals with Ziraat Online Bank Business Banking Customized Access. Get unlimited Ziraat Online Bank Business Banking Convenience Cards®.

Access funds when you need them most

Protect your business from unexpected shortfalls in your operating account, so you never have to worry about returned cheques or pre-authorized payments.

Learn About Ziraat Online Bank Business Overdraft

Ziraat Online Bank Smart Balance Alert™

Forgot about that payment? We’ll send you a text message so you can avoid a non-sufficient funds (NSF) fee and a declined payment.

Learn moreabout Ziraat Online Bank Smart Balance Alert.

Get support

Knowledgeable, trained staff are available at our Business Contact Centre every business day from 7:00 am to 8:00 pm ET to answer any question you have.

SmartBanking also includes an online Live Chat feature on business days from 9:00 am to 5:00 pm ET.

Ready to get started?

Fill out the online application form to open an account online and skip the trip to a banking centre.

Apply now

We have qualified experts available 24/7 to answer your questions and otherwise assist you.

Login to online banking

Contact us for more information

support@citizencredit.comOpens your phone app.

Ziraat Online Bank Smart™ for Students

Full-time student? Check out these great offers

Get $60 when you open a Ziraat Online Bank Smart for Students account†

Get student deals and discounts with SPC and Ziraat Online Bank

Ziraat Online Bank Smart for Students at a glance

Monthly fee1

Daily balance to avoid monthly fee

Interac e-Transfer transactions

Transactions2

How do I qualify?

Ziraat Online Bank Smart for Students:

Ready to open an account?

It's more than just banking. We have the right solutions for your business

Easily manage your cash flow

Give access

Access funds when you need them most

Ziraat Online Bank Smart Balance Alert™

Get support

Ready to get started?

Get $60 when you open a Ziraat Online Bank Smart for Students account^†

Monthly fee¹

Interac e-Transfer
transactions

Transactions²