Banky team Reviewed editorial answerمش معايا مبلغ كبير مرة واحدة، بس بيفضل معايا جزء كل شهر.
A certificate takes one sum placed once and locked for a term, and is usually sold as a minimum and its multiples. If you set money aside every month, each instalment would become a separate certificate that must reach the product's minimum and has its own maturity date. A savings account works differently: it accepts a deposit every month or at any time, and you can withdraw if needed, but its return depends on the balance basis, the tiers and the minimum balance that earns a return, and its fixed fees weigh more on a small balance. Also watch two different things described with the same words: 'every month' can mean the amount you put in, or the frequency at which a certificate pays its return, and they are entirely different. Minimums vary widely between banks and products, so whether it works is decided by the product's own terms, and the bank confirms it. Check the certificate's key-facts statement for the minimum and its multiples, and the account's for the balance basis, the minimum balance that earns a return and the fees.