Banky team Reviewed editorial answerحد نصحني ما أحطش المبلغ كله في شهادة واحدة.
The idea is that instead of locking the whole sum in one product that matures on one day, the sum is split into parts, each with a different term, so a part comes back to you every so often. This changes several things. First, money returns on known dates without breaking anything, but each part stays locked until its own date, and breaking it early is subject to the bank's penalty. Second, each part is priced at the amount it holds and term; a small part can drop into another tier or below a product's minimum. Third, at each maturity you take a new decision at the rates available then, and if the product renews automatically, the renewal rate follows its terms. Fourth, parts with different terms cannot have their returns added into one figure and compared with a single certificate. This approach is not a rule you must follow; it is another way to spread the dates your money comes back, and the terms come from the dates you might need money. For each part, check the key-facts statement for the minimum and its multiples, the break-penalty table and the auto-renewal rules.