Personally I couldn’t care less about the interest rates on my bank accounts. The money I have there is money that I intend to use the coming years, e.g. for re

Personally I couldn’t care less about the interest rates on my bank accounts. The money I have there is money that I intend to use the coming years, e.g. for reoccurring expenses or for expenses related to my house. Any money that I don’t intend to use the coming ~5 years I place into index funds.