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"Earn 2.25% APY when you have up to $10,000 in your account. Amounts over $10,000 will earn 0.50% APY." suggests that you get 2.25% on a balance _up to_ $10,000, not that that's the minimum for that rate.

Ah… You're right. My mistake.

It's the other way around. They only pay the 2.25% on the first $10k in your account. Any balance above that gets a lower rate (0.50%)

Inflation is 2.3%.

What's your point?

I think his point is that it's a pittance of an interest rate and the bank paying any less than that is basically stealing your money.

Interest in almost all dutch banks is zero, or damn near zero (.1%), if not going negative soon enough.

Is there an option that gives me the liquidity of cash / bank balance, without the loss of money, that isn't a bank account?

Best I can get in an immediate access bank account here is 1.35%. Cash is 0%. I can't pay rent and bills with anything else that I'm aware of.

IE, Is there a way that doesn't result in someone 'basically stealing [my] money', or am I screwed no matter what?