Banky team Reviewed editorial answerفلوسي داخلة طالعة طول الوقت، ومش حابب وديعة ولا شهادة.
If you do not want to tie your money up in a deposit or certificate, the product that lets you deposit and withdraw at any time is a savings account. Accounts do not all compute the return the same way, and that matters most if money moves in and out constantly. Some compute the return on the daily balance and others on the lowest balance in the month; with the second, a single withdrawal can lower the base for the whole month. There is also a minimum balance that earns a return, and some accounts pay nothing below it. Fees such as account administration, statement or below-minimum fees are fixed amounts, so they take a bigger share when the balance is small. A savings account's return may be lower than that of products locked for a term; that is the price of keeping the money within reach. Before opening one, check its key-facts statement for the balance basis, the balance tiers, the minimum balance that earns a return, and every fee and its frequency. If a field is not stated, ask the bank about it rather than assuming it is absent.