Central bank interest rates are negative but consumer savings accounts are not negative. A quick google search shows that savings accounts are offering either zero or nominally positive rates (0.02%). I agree that interest rates are super low in Europe right now but they aren't actually negative for consumers.

In Germany, as an existing customer, you have negative rates with many banks.

You also don’t switch banks on a whim. Not only because it’s a hassle to change your payment info on dozens of sites, but also because you’re going to be punished by SCHUFA, a corporate abomination that has a monopoly on credit ratings. Their algorithms try to infer financial responsibility from how many bank accounts you have (fewer is better), and from how often you open new bank accounts (rarely is better). Once it decides to punish you for shopping around, its effects are devastating.

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"