Well then you will have to tell that to the banks. I am not claiming that because I read it somewhere but because of firsthand experience. They are not calling

Well then you will have to tell that to the banks. I am not claiming that because I read it somewhere but because of firsthand experience. They are not calling it negative interest rate but "Verwahrungsgeld", so basically a fee for keeping the money that is a percentage of how much money you hold there. And their policy is, "if you don't like it you are happy to withdraw your money and go somewhere else"