Banky team Reviewed editorial answerMany certificates are sold with a minimum, and any amount above it must be a multiple of a figure the bank sets. The part that is not a multiple is not placed in the certificate; it stays in your account, and the return is calculated on the placed amount only.
A hypothetical example with small figures: if a product is sold in multiples of 300 EGP and you have 700, 600 is placed and 100 stays outside the certificate.
This matters in two ways: the return you get is calculated on less than the amount you hold, and the remainder can serve as liquid money, or you may decide to add to it to reach the next multiple.
Being above the minimum does not by itself mean the product is open to you; there are other conditions, and the bank confirms.
Check the key-facts statement: the minimum to open, the multiples and the worked example, and ask the bank before buying how much of your money will actually be placed.