Banky team Reviewed editorial answerمش محتاج دخل دلوقتي، وعايز العائد كله ييجي مع نهاية المدة.
When you choose to let the return 'build up till the end', the bank pays nothing during the term and pays the whole return once, together with the principal, at maturity. This decides when the money reaches you, but it does not necessarily mean the return is compounded: some products compute the return on the principal only, while accumulative products compute it on the principal plus the return already accrued, and the product's terms say which. The key point when comparing is that an 'at maturity' figure is often the total for the whole term, not a yearly rate. A hypothetical example per 100 EGP: a simple annual rate of 20% over 3 years pays 60 EGP at the end, so if you are told 'this one pays 60%' and another certificate pays 22% a year, the two figures are not of the same kind and cannot be compared directly. Always compare at the same term and the same payout frequency. Check the key-facts statement for whether the figure is annual or for the whole term, whether the return is simple or accumulative, and from which day it starts to accrue.