Im assuming you mean you just keep this in your bank account . If that were based on a Central Bank interest then his cash would still be worth the same . $ 100 with a 10 % rate making it $ 110 , would not mean you have more to spend because the currency has just been devalued 10 %. Personal bank accounts usually have a rate very close to the central bank rate . To get something you can use you need to invest the money somewhere . <| sep |> My mistake for not specifying average hungarianrussianpretty much everywhere in Hungary or Russia except shitholes in southern Russia and some commie built BS cities in middle of nowherewell , I think you are kind enough not to send me where , thanks average RussianHungarian enjoys several times better quality of life than average person where I live , so raises second hand