Indeed, in addition the central banks don't just charge negative rates, they also allow borrowing at negative rates (-1%) via the TLTRO which means banks are m

Indeed, in addition the central banks don't just charge negative rates, they also allow borrowing at negative rates (-1%) via the TLTRO which means banks are making money borrowing from the ECB, they currently receive more money from TLTRO loans alone than the ECB charges them. In short, low interest rates are obviously a factor, but banks didn't have to do this. They're charging you because they can and because most banks are following suit.