Banky team Reviewed editorial answerشايف إعلانين، واحد لشهادة وواحد لوديعة، ومش عارف مين أكسب.
When two products differ in term and payout frequency, comparing them directly misleads. A three-year certificate paying every three months and a twelve-month deposit paying at the end produce figures of different kinds: one is a single one-year total paid once, the other is a series of payments over three years with the money locked far longer. A hypothetical example per 100 EGP: a twelve-month deposit at 20% pays 20 EGP at the end, while a three-year certificate at 18% pays 4.5 EGP every three months. These figures cannot be set side by side with one called higher. A fair comparison uses the same amount, term and payout, so check whether a term and payout are offered by both products. If none is, the choice rests on your needs: when you want the money back, how you prefer the return to reach you, and how likely you are to need to break. Note that deposits often renew automatically, and the renewal rate is not known in advance. Check both key-facts statements for the terms and payouts offered, the calculation basis, renewal and breaking.