What happens at the end of the deposit term?

This depends on the type of account. For our 1-month and 3-month notice accounts, your money simply sits in them earning interest. When you wish to withdraw some or all of it, you will give us the requisite notice - at the expiry of the notice period, we will pay the money back to you. For our fixed-term 1-year accounts, at the end of the period, unless we receive other instructions from you, we will pay the funds into a rolling 1-month notice account to maximise your interest return.