Obviously banks will always put a interest rate which is profitable to for them and not to us. This is really a joke where you keep your money at the interest rate of 1.3% while on the other hand the same bank will distribute the money as loan to other customers at the f* rates of 13% - 15% depending on the type of the loan they are taking. I mean thats ridiculous they earn all the way 10% commission by using our own money. Its better to take loan license and spread the eggs by all yourself. Earn yourself and keep the banks drained with your account. The devils of the financing sector!