Banky team Reviewed editorial answerThe payout schedule is a condition of the product itself, and each certificate or deposit sets the schedules it offers: monthly, quarterly, half-yearly, yearly, at maturity, or upfront. If the product you like does not offer the schedule you need, it will not change on request.
You usually have two routes:
Stay with this product on the schedule it offers, and fit your expenses to its payout dates.
Or look for products that offer the schedule you need, and compare them at the same amount and term.
The schedule itself is not an advantage or a drawback; it decides when the money reaches you, and each schedule's rate can differ slightly within the same product. Do not estimate the return of a schedule that does not exist by dividing another schedule's return, because its rate could be different.
Check the key-facts statement for the payout options and the rate of each.