Banky team Reviewed editorial answerكل ما أسأل حد يقولي شهادة شكل، وعايز أعرف الأعلى فعلًا.
'Which certificate is highest' has three meanings, each with a different answer. If you want the advertised rates, a rate belongs to a cell: the term, the payout frequency and sometimes the amount tier, so rates should be read for each term and payout separately, and you cannot place a one-year certificate next to a three-year one and call one higher. An advertised rate is a description, not the return you will receive on your amount. If you want to compare different terms, you need a method that puts the figures on a common footing, because a longer term ties your money up longer and a total over a longer term naturally looks bigger. If you want the highest return for your own money, set the amount, term and payout frequency and compare the cash return at exactly those inputs, because minimums, multiples and tiers change what you receive. Watch stepped certificates: the year-one rate is higher than the rest, so the advertised figure is not the rate for the whole certificate. Check the key-facts statement for the rate table by term and payout, the rate type and the minimum.