Banky team Reviewed editorial answerمثلًا وديعة 1095 يوم وشهادة 3 سنين.
You can if the two terms really are the same term. Many deposits state their term in days, and a 1095-day deposit covers in practice the same period as a 3-year certificate, so adding their returns over the full term makes sense. But there is a difference in method you should know: a deposit's return is usually computed on actual days and a certificate's on months, so the two figures rest on slightly different bases even when the term is the same. If the terms are far apart, such as a 400-day deposit and a one-year certificate, it is clearer to see them side by side without adding. In every case, that total is the return over the whole term, so also check when each part pays: monthly or at the end. And if either product has a variable return, the total is an estimate at today's rate that can change. Ask the bank how a deposit's return gets computed by days and from which day it starts, and check it in both products' key-facts statements.