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a week ago I got an email from Vice with which I have my private and business bank account so I was like all right like well this is because generally emails like you have received cash back as not common my entire lifetime that I lived in Europe I have never seen an email like this so I was very surprised because this is for the first time when the banks start giving you money for keeping money in their bank accounts previously you would always pay some money to the banks to keep your account running with them so here in the email I got you got 7.55 Euros for the money you held in your balances last month which was very interesting I was like okay like I know this from India because then you are putting the money in your bank account youre getting some kind of interest rates but that was never the case in Germany now things essentially started changing back in July when the European Central Bank had this post out which was we have raised interest rates what does this mean for you so