Already overdrawn – Swedish newspaper Svenska Dagbladet

The Riksbank will cut interest rates further, perhaps down to minus 0.5 per cent, is a widespread view among economists. And for large business customers, less the interest rate started to take effect. Some of them will now have to pay to have their money in the bank.

But the step to put less interest paid on private customers’ accounts are far.

– If you put less interest is only one signal in it: you will not want your money here. I would not have left my money then, says Ylva Yngveson, detached private economist.

The banks also rejects that such a thing is going on.

– Into the longest we will avoid negative interest or other charges, says SEB’s press officer Anna Helsén.

But you can belong them in practice already had negative development for several years. Swedish households had at year-end 1361 billion in bank accounts. Some are in savings accounts with decent interest rates, but large sums located in accounts in banks where the interest rate for several years has been zero or very low.

Normally the rents, prices of food and other things in society rises each year. And when inflation rises, eroding the value of money by the corresponding percentage. In order to save capital should not lose value therefore required an interest rate that compensates for it, and even for the 30 percent tax deducted on income from capital, ie the interest rate.

For this will also the fees paid by customers to the bank.

– It is easy to just look at the interest rate. To look at inflation also is adding a factor. There are probably many who do not, says Bodil Hallin, savings economist at Ikano Bank.

– Discussion of less interest might lead to more thinking about this.

Bodil Hallin think that it will continue to be account options with interest, albeit low, the next few years. As a customer you have to miniminera the sums they have on wage and current accounts, where conditions are the worst. On the consumer banking and insurance agency can compare Sparinstitutens conditions.

– You should be critical and price conscious as a bank customer, as with everything else. One can have many payments linked to an account that makes it harder to switch banks. But just saving money tend not to be so hard to move on. With the Internet, we are more mobile, says Ylva Yngveson.