{"id":7388,"date":"2025-08-01T14:07:15","date_gmt":"2025-08-01T14:07:15","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=7388"},"modified":"2025-08-01T14:07:17","modified_gmt":"2025-08-01T14:07:17","slug":"bes-nasil-iptal-edilir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/bes-nasil-iptal-edilir\/","title":{"rendered":"BES (Bireysel Emeklilik Sistemi) \u0130ptali Nas\u0131l Yap\u0131l\u0131r?"},"content":{"rendered":"\n<p>Uzun ve yorucu \u00e7al\u0131\u015fma d\u00f6neminin ard\u0131ndan konforlu bir emeklilik hayat\u0131 ya\u015famak herkesin hayali. Tabii bunu elde edebilmek i\u00e7in maddi olarak yeterli bir gelire sahip olmak da olmazsa olmaz. Fakat sadece emekli maa\u015f\u0131n\u0131z, hayal etti\u011finiz emeklili\u011fi ya\u015faman\u0131z i\u00e7in yeterli olmayabilir.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Her ay belli bir miktar yat\u0131r\u0131p emeklili\u011finiz i\u00e7in birikim yapman\u0131za yard\u0131mc\u0131 olan Bireysel Emeklilik Sistemi (BES) bu konuda olduk\u00e7a \u00f6nemli olsa da baz\u0131 nedenlerden dolay\u0131 BES iptali yapt\u0131rmak isteyebilirsiniz. Peki, Bireysel Emeklilik Sistemi iptali nas\u0131l yap\u0131l\u0131r?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bes-nas-l-i-ptal-edilir\"><strong>BES Nas\u0131l \u0130ptal Edilir?<\/strong><\/h2>\n\n\n\n<p>BES iptal i\u015flemini ger\u00e7ekle\u015ftirmek i\u00e7in alternatifleriniz bulunuyor. Bu se\u00e7enekleri \u015fu \u015fekilde s\u0131ralayabiliriz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bireysel Emeklilik Sistemi\u2019ne kay\u0131tl\u0131 oldu\u011funuz bankan\u0131n\/sigorta \u015firketinin BES birimleri ile g\u00f6r\u00fc\u015febilirsiniz.<\/li>\n\n\n\n<li>Anla\u015fmal\u0131 oldu\u011funuz bankan\u0131n\/sigorta \u015firketinin \u00e7a\u011fr\u0131 merkezlerini arayarak destek alabilirsiniz.<\/li>\n\n\n\n<li>Anla\u015fmal\u0131 oldu\u011funuz bankan\u0131n\/sigorta \u015firketinin internet sitelerinden BES iptal formu doldurabilirsiniz.,<\/li>\n<\/ul>\n\n\n\n<p>\u0130ptal i\u00e7in ba\u015fvuru yaparken yukar\u0131da s\u0131ralad\u0131\u011f\u0131m\u0131z se\u00e7enekleri de\u011ferlendirmeniz m\u00fcmk\u00fcn. Ancak BES iptali yaparken ba\u015fvuru \u00f6ncesinde dikkat etmeniz gereken detaylar bulunuyor. Bu detaylar ise asl\u0131nda BES iptalinin ad\u0131mlar\u0131n\u0131 olu\u015fturuyor. Genel olarak bu ad\u0131mlar\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. BES S\u00f6zle\u015fmenizi Kontrol Edin<\/strong><\/h3>\n\n\n\n<p>\u00d6ncelikle hangi emeklilik \u015firketinde BES\u2019iniz oldu\u011funu ve s\u00f6zle\u015fme numaran\u0131z\u0131 \u00f6\u011frenin. Bu bilgiler, iptal ba\u015fvurusu s\u0131ras\u0131nda size sorulacakt\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. E\u011fer \u00c7al\u0131\u015ft\u0131\u011f\u0131n\u0131z \u015eirket BES Yapt\u0131rd\u0131ysa \u0130nsan Kaynaklar\u0131 Birimine Dan\u0131\u015f\u0131n<\/strong><\/h3>\n\n\n\n<p>Otomatik kat\u0131l\u0131m BES, yeni bir i\u015fe ba\u015flad\u0131\u011f\u0131n\u0131zda i\u015fveren taraf\u0131ndan ba\u015flat\u0131labilir. E\u011fer b\u00f6yle bir durum varsa \u00f6ncelikle insan kaynaklar\u0131 departman\u0131n\u0131zdan detayl\u0131 bilgi alman\u0131zda fayda var. \u00c7\u00fcnk\u00fc baz\u0131 durumlarda \u0130K departman\u0131 sizin ad\u0131n\u0131za ilk iptal ad\u0131m\u0131n\u0131 ba\u015flatabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Emeklilik \u015eirketinizin M\u00fc\u015fteri Hizmetlerine Ba\u015fvurun<\/strong><\/h3>\n\n\n\n<p>BES iptalinin en yayg\u0131n yolu, s\u00f6zle\u015fmenizin ba\u011fl\u0131 oldu\u011fu emeklilik \u015firketinin \u00e7a\u011fr\u0131 merkezi veya m\u00fc\u015fteri hizmetleridir. Genelde telefonla SMS g\u00f6ndererek ya da m\u00fc\u015fteri temsilcisi arac\u0131l\u0131\u011f\u0131yla iptal i\u015flemi ba\u015flat\u0131labilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Mobil veya \u0130nternet \u015eubesini Kullan\u0131n<\/strong><\/h3>\n\n\n\n<p>Telefon veya SMS se\u00e7eneklerinin yan\u0131 s\u0131ra bir\u00e7ok emeklilik \u015firketinin mobil uygulamas\u0131 veya internet \u015fubesi \u00fczerinden de BES iptali yap\u0131labilir. Hesab\u0131n\u0131za giri\u015f yapt\u0131ktan sonra \u201cBireysel Emeklilik \u0130\u015flemleri\u201d b\u00f6l\u00fcm\u00fcnde \u201cBES \u0130ptali\u201d sekmesine t\u0131klayarak i\u015flemi ba\u015flatabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Cayma Hakk\u0131n\u0131z\u0131 Kullan\u0131n<\/strong><\/h3>\n\n\n\n<p>E\u011fer BES\u2019e yeni ba\u015flad\u0131ysan\u0131z ve ilk 2 ay i\u00e7indeyseniz cayma hakk\u0131n\u0131 kullanabilirsiniz. 60 g\u00fcnl\u00fck s\u00fcre i\u00e7inde iptal talebinizi bildirirseniz kesilen t\u00fcm katk\u0131 paylar\u0131 size iade edilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. \u0130ptal S\u00fcrecini Takip Edin<\/strong><\/h3>\n\n\n\n<p>Ba\u015fvurunuzu yapt\u0131ktan sonra iptal i\u015fleminin tamamlanmas\u0131 birka\u00e7 i\u015f g\u00fcn\u00fc s\u00fcrebilir. Bu s\u00fcre i\u00e7inde iptalinizin durumunu emeklilik \u015firketinin \u00e7a\u011fr\u0131 merkezi veya online \u015fubesi \u00fczerinden takip edebilirsiniz.<\/p>\n\n\n\n<p>\u201cBES iptali nas\u0131l yap\u0131l\u0131r?\u201d sorusunun yan\u0131t\u0131 verdik. Fakat \u00e7a\u011fr\u0131 merkezinden ya da internet sitesinden iptal i\u015flemi ger\u00e7ekle\u015ftirmek istiyorsan\u0131z elbette arayaca\u011f\u0131n\u0131z numara ya da girece\u011finiz internet sitesi adresi farkl\u0131l\u0131k g\u00f6sterecektir. Bu a\u015famada, Bireysel Emeklilik Sistemi\u2019ne kay\u0131tl\u0131 oldu\u011funuz \u015firketin hizmet verdi\u011fi kanallar\u0131 internetten ara\u015ft\u0131rmak faydal\u0131 olabilir.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-1024x683.jpg\" alt=\"BES \u0130ptali\" class=\"wp-image-7391\" style=\"width:780px;height:520px\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-1024x683.jpg 1024w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-768x513.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-1170x781.jpg 1170w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali-263x175.jpg 263w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-iptali.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>BES Cayma Bedeli Nedir?<\/strong><\/h2>\n\n\n\n<p>Bireysel Emeklilik Sistemi\u2019nden \u00e7\u0131kmak isteyebilirsiniz, fakat bu noktada hesab\u0131n\u0131zda var olan t\u00fcm birikimi \u00e7ekemeyebilece\u011finizi hat\u0131rlatal\u0131m. \u015eimdi, bu konuda ayr\u0131nt\u0131l\u0131 bilgi verelim.<\/p>\n\n\n\n<p>E\u011fer BES\u2019e kaydolduktan sonra 2 ay i\u00e7inde sistemden \u00e7\u0131karsan\u0131z kesinti olmadan \u00e7\u0131k\u0131\u015f yapabilirsiniz. \u0130ki ayl\u0131k s\u00fcre sonras\u0131nda ise stopaj, giri\u015f aidat\u0131 ve devlet katk\u0131s\u0131 kesintileri ya\u015fayabilir, \u00f6dedi\u011finiz katk\u0131 pay\u0131n\u0131 alsan\u0131z da BES devlet katk\u0131s\u0131n\u0131 tam olarak alamayabilirsiniz. Devlet katk\u0131s\u0131 hak etme oran\u0131, BES\u2019te kald\u0131\u011f\u0131n\u0131z s\u00fcreye g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilir.<\/p>\n\n\n\n<p>\u00d6dedi\u011finiz katk\u0131 pay\u0131n\u0131n %25\u2019i oran\u0131nda (\u00fcst s\u0131n\u0131r\u0131 a\u015fmamak ko\u015fuluyla) yap\u0131lan BES devlet katk\u0131s\u0131n\u0131 hak etme oranlar\u0131 \u015fu \u015fekildedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3 y\u0131l i\u00e7inde sistemden \u00e7\u0131kt\u0131\u011f\u0131n\u0131z durumda devlet katk\u0131 pay\u0131ndan yararlanamazs\u0131n\u0131z.<\/li>\n\n\n\n<li>3-6 y\u0131l aras\u0131nda devlet katk\u0131 pay\u0131n\u0131n %15\u2019i,<\/li>\n\n\n\n<li>6-10 y\u0131l aras\u0131nda devlet katk\u0131 pay\u0131n\u0131n %35\u2019i,<\/li>\n\n\n\n<li>10. y\u0131l\u0131n sonunda devlet katk\u0131 pay\u0131n\u0131n %60\u2019\u0131,<\/li>\n\n\n\n<li>BES\u2019te 10 y\u0131l doldu\u011funda ve sigortal\u0131 56 ya\u015f\u0131n\u0131 doldurdu\u011funda tamam\u0131 \u00f6denir.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-id=\"7396\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-1024x683.jpg\" alt=\"Bes Nas\u0131l \u0130ptal Edilir\" class=\"wp-image-7396\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-1024x683.jpg 1024w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-768x512.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-1170x780.jpg 1170w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir-263x175.jpg 263w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/10\/BES-nasil-iptal-edilir.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>BES\u2019ten \u00c7\u0131kt\u0131\u011f\u0131n\u0131zda Paran\u0131z\u0131 Ne Zaman Alabilirsiniz?<\/strong><\/h2>\n\n\n\n<p>Bireysel Emeklilik Sistemi\u2019nden erken \u00e7\u0131k\u0131\u015f ba\u015fvurusunun sonu\u00e7lanmas\u0131 20 i\u015f g\u00fcn\u00fcn\u00fc bulabilir. Ba\u015fvurunun sonu\u00e7lanmas\u0131n\u0131n ard\u0131ndan BES\u2019teki birikiminiz, sistemde kay\u0131tl\u0131 banka hesab\u0131n\u0131za yat\u0131r\u0131l\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Gelece\u011finizi G\u00fcvence Alt\u0131na Alman\u0131n Farkl\u0131 Yollar\u0131 Var<\/strong><\/h2>\n\n\n\n<p>\u201cBireysel Emeklilik iptali i\u00e7in ne yapmal\u0131y\u0131m?\u201d sorusunun yan\u0131t\u0131n\u0131 verdik. Ama iptal i\u015flemlerini ba\u015flatmadan \u00f6nce bu birikimin gelece\u011finizi g\u00fcvence alt\u0131na almak ad\u0131na olduk\u00e7a \u00f6nemli oldu\u011funu bir kez daha hat\u0131rlatmak isteriz. Dilerseniz <a href=\"https:\/\/www.mapfre.com.tr\/blog\/dusle\/bes-in-avantajlari\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bireysel Emeklilik Sistemi\u2019nin avantajlar\u0131n\u0131<\/a> anlatt\u0131\u011f\u0131m\u0131z yaz\u0131m\u0131z\u0131 okuyarak bu konuda ayr\u0131nt\u0131l\u0131 bilgi alabilirsiniz.<\/p>\n\n\n\n<p>Tabii BES d\u0131\u015f\u0131nda hem kendinizi hem de ailenizi g\u00fcvence alt\u0131na alman\u0131n farkl\u0131 yollar\u0131 da var. Evet, hayat sigortalar\u0131ndan bahsediyoruz! Hayat sigortalar\u0131n\u0131n teminatlar\u0131 sayesinde kar\u015f\u0131la\u015fma ihtimaliniz olan pek \u00e7ok olumsuz duruma kar\u015f\u0131 g\u00fcvence olu\u015fturabilirsiniz. Hayat sigortas\u0131n\u0131 daha yak\u0131ndan tan\u0131mak i\u00e7in \u201c<a href=\"https:\/\/www.mapfre.com.tr\/blog\/yasa\/iyi-yasam\/hayat-sigortasina-giris-nedir-ne-ise-yarar\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hayat sigortas\u0131 ne i\u015fe yarar<\/a>?\u201d sorusuna cevap verdi\u011fimiz yaz\u0131m\u0131z\u0131 okuyabilir ya da <a href=\"https:\/\/form.mapfre.com.tr\/iletisim\/formlar\/acenteler\" target=\"_blank\" rel=\"noreferrer noopener\">sat\u0131\u015f kanallar\u0131m\u0131z<\/a> ile ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n\n\n\n<p>MAPFRE Sigorta<br><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Emeklilik d\u00f6neminizi maddi anlamda rahat ge\u00e7irmeniz i\u00e7in BES \u00f6nemli olsa da baz\u0131 nedenlerden dolay\u0131 BES iptali isteyebilirsiniz. Peki, BES nas\u0131l iptal edilir?<\/p>\n","protected":false},"author":3,"featured_media":7393,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-7388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iyi-yasam","category-yasa","tag-ipucu"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/7388","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=7388"}],"version-history":[{"count":5,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/7388\/revisions"}],"predecessor-version":[{"id":10467,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/7388\/revisions\/10467"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/7393"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=7388"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=7388"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=7388"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}