Banky team Reviewed editorial answerبفكر أقسم عشان لو احتجت أكسر جزء بس.
It can. Each certificate is priced at the amount it holds, not at the sum of your money. Many products have amount tiers with different rates, or a variant with a higher minimum and a different rate, so the whole sum may fall in one tier and each part on its own in another. A small part can drop below the product's minimum and fall outside its terms altogether. To compare fairly, keep the same product, the same term and the same total, and ask for the return once for one certificate holding the whole sum and once for each part separately, then add the parts. The gap between the two figures, if there is one, is the price of the flexibility you get from splitting. Also check whether the product itself allows breaking part of a certificate, because then a single certificate may give you similar flexibility. The decision is yours: how much that flexibility matters to you against any difference in return. Check the key-facts statement for the tiers, the minimum and its multiples, whether partial breaking is allowed, and the break-penalty table.