The long-term low interest rates increase the pressure on banks to introduce negative interest rates for savings accounts. If they don't, this will have a negative impact on their own interest margin. On the other hand, savings deposits are a stable source of financing for banks. So, introducing a negative interest rate for all savings accounts would be a major step for banks. De Nederlandsche Bank does not determine the interest rates for savings accounts. It is up to the commercial banks to determine these rates themselves. A bank can apply different interest rates for different groups of customers. The interest rate for customers with savings up to EUR 100,000 is not negative at the moment. For customers with higher savings, a negative rate may apply.