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Savings accounts offer you the freedom to add to your savings when it suits you and access your money when you need it. 

Interest rates on savings accounts are variable and can change at any time and some accounts will pay bonus interest too.

On the flip side, a term deposit offers you a fixed rate of interest for a set period of time (the term) - a sure-fire way to watch your savings grow! You usually can't add further money to the account during the term and by locking your money away you'll know exactly how much you'll have at the end of your term.