The bank takes it's share in the form of fees. The negative rate is simply because the money market sees negative rates on the 5-10 year horizon. The bank simpl

The bank takes it's share in the form of fees. The negative rate is simply because the money market sees negative rates on the 5-10 year horizon. The bank simply passes the rate of the money market on to the consumer: > Høegh said Jyske Bank is able to go into money markets and borrow from institutional investors at a negative rate, and is simply passing this on to its customers. Negative bond rates happen when there is a surplus of capital looking for "safe havens". Some investors are willing to pay to have money placed safely for a number of years. The Danish real-estate bonds are regarded as a very safe haven.